The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMCOR PLC ORD G0250X107   263,959 23,195 SH   SOLE   0 0 23,195
EATON CORP PLC SHS G29183103   252,898 1,476 SH   SOLE   0 0 1,476
LINDE PLC SHS G54950103   366,814 1,032 SH   SOLE   0 0 1,032
MEDTRONIC PLC SHS G5960L103   274,672 3,407 SH   SOLE   0 0 3,407
PENTAIR PLC SHS G7S00T104   317,139 5,738 SH   SOLE   0 0 5,738
STERIS PLC SHS USD G8473T100   459,072 2,400 SH   SOLE   0 0 2,400
CHUBB LIMITED COM H1467J104   266,415 1,372 SH   SOLE   0 0 1,372
AFLAC INC COM 001055102   268,597 4,163 SH   SOLE   0 0 4,163
AT&T INC COM 00206R102   309,507 16,078 SH   SOLE   0 0 16,078
ABBOTT LABS COM 002824100   297,097 2,934 SH   SOLE   0 0 2,934
ABBVIE INC COM 00287Y109   436,196 2,737 SH   SOLE   0 0 2,737
AIR PRODS & CHEMS INC COM 009158106   281,179 979 SH   SOLE   0 0 979
ALBEMARLE CORP COM 012653101   241,597 1,093 SH   SOLE   0 0 1,093
ALPHABET INC CAP STK CL C 02079K107   208,416 2,004 SH   SOLE   0 0 2,004
ALPHABET INC CAP STK CL A 02079K305   649,350 6,260 SH   SOLE   0 0 6,260
AMAZON COM INC COM 023135106   815,165 7,892 SH   SOLE   0 0 7,892
AMERICAN EXPRESS CO COM 025816109   448,994 2,722 SH   SOLE   0 0 2,722
APPLE INC COM 037833100   903,250 5,478 SH   SOLE   0 0 5,478
ARCHER DANIELS MIDLAND CO COM 039483102   285,661 3,586 SH   SOLE   0 0 3,586
ATMOS ENERGY CORP COM 049560105   270,113 2,404 SH   SOLE   0 0 2,404
AUTOMATIC DATA PROCESSING IN COM 053015103   311,459 1,399 SH   SOLE   0 0 1,399
BECTON DICKINSON & CO COM 075887109   277,740 1,122 SH   SOLE   0 0 1,122
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   855,602 2,771 SH   SOLE   0 0 2,771
BROWN FORMAN CORP CL B 115637209   270,641 4,211 SH   SOLE   0 0 4,211
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   1,540,650 67,602 SH   SOLE   0 0 67,602
CARDINAL HEALTH INC COM 14149Y108   283,352 3,753 SH   SOLE   0 0 3,753
CATERPILLAR INC COM 149123101   285,821 1,249 SH   SOLE   0 0 1,249
CHEVRON CORP NEW COM 166764100   275,904 1,691 SH   SOLE   0 0 1,691
CINCINNATI FINL CORP COM 172062101   343,850 3,068 SH   SOLE   0 0 3,068
CINTAS CORP COM 172908105   326,652 706 SH   SOLE   0 0 706
CLOROX CO DEL COM 189054109   308,884 1,952 SH   SOLE   0 0 1,952
COCA COLA CO COM 191216100   450,214 7,258 SH   SOLE   0 0 7,258
COLGATE PALMOLIVE CO COM 194162103   293,912 3,911 SH   SOLE   0 0 3,911
CONSOLIDATED EDISON INC COM 209115104   265,197 2,772 SH   SOLE   0 0 2,772
CORVEL CORP COM 221006109   261,825 1,376 SH   SOLE   0 0 1,376
CRONOS GROUP INC COM 22717L101   35,118 18,102 SH   SOLE   0 0 18,102
DBX ETF TR XTRACK USD HIGH 233051432   2,596,555 74,721 SH   SOLE   0 0 74,721
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   360,549 8,115 SH   SOLE   0 0 8,115
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   350,037 7,866 SH   SOLE   0 0 7,866
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   470,316 18,458 SH   SOLE   0 0 18,458
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   534,207 15,956 SH   SOLE   0 0 15,956
DOVER CORP COM 260003108   330,014 2,172 SH   SOLE   0 0 2,172
ECOLAB INC COM 278865100   254,420 1,537 SH   SOLE   0 0 1,537
EMERSON ELEC CO COM 291011104   278,848 3,200 SH   SOLE   0 0 3,200
ESSEX PPTY TR INC COM 297178105   221,270 1,058 SH   SOLE   0 0 1,058
EXPEDITORS INTL WASH INC COM 302130109   309,988 2,815 SH   SOLE   0 0 2,815
EXXON MOBIL CORP COM 30231G102   638,351 5,821 SH   SOLE   0 0 5,821
META PLATFORMS INC CL A 30303M102   761,500 3,593 SH   SOLE   0 0 3,593
FARMERS & MERCHANTS BANCORP COM 30779N105   282,282 11,607 SH   SOLE   0 0 11,607
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   259,626 2,627 SH   SOLE   0 0 2,627
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   223,862 4,395 SH   SOLE   0 0 4,395
FRANKLIN RESOURCES INC COM 354613101   249,653 9,267 SH   SOLE   0 0 9,267
GAMESTOP CORP NEW CL A 36467W109   200,159 8,695 SH   SOLE   0 0 8,695
GENERAL DYNAMICS CORP COM 369550108   341,429 1,496 SH   SOLE   0 0 1,496
GENUINE PARTS CO COM 372460105   329,601 1,970 SH   SOLE   0 0 1,970
GRAINGER W W INC COM 384802104   380,223 552 SH   SOLE   0 0 552
HORMEL FOODS CORP COM 440452100   244,464 6,130 SH   SOLE   0 0 6,130
IDEXX LABS INC COM 45168D104   481,577 963 SH   SOLE   0 0 963
ILLINOIS TOOL WKS INC COM 452308109   376,861 1,548 SH   SOLE   0 0 1,548
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   1,037,158 44,957 SH   SOLE   0 0 44,957
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   252,138 3,054 SH   SOLE   0 0 3,054
INTERNATIONAL BUSINESS MACHS COM 459200101   276,862 2,112 SH   SOLE   0 0 2,112
INVESCO QQQ TR UNIT SER 1 46090E103   247,974 773 SH   SOLE   0 0 773
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   512,107 13,992 SH   SOLE   0 0 13,992
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563   745,207 37,410 SH   SOLE   0 0 37,410
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,166,877 42,649 SH   SOLE   0 0 42,649
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,283,950 98,319 SH   SOLE   0 0 98,319
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   215,669 3,456 SH   SOLE   0 0 3,456
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   594,734 28,593 SH   SOLE   0 0 28,593
ISHARES INC EM MKTS DIV ETF 464286319   2,701,167 110,072 SH   SOLE   0 0 110,072
ISHARES TR CORE S&P500 ETF 464287200   218,695 532 SH   SOLE   0 0 532
ISHARES TR CORE US AGGBD ET 464287226   2,004,558 20,118 SH   SOLE   0 0 20,118
ISHARES TR CORE S&P SCP ETF 464287804   257,319 2,661 SH   SOLE   0 0 2,661
ISHARES TR ISHS 5-10YR INVT 464288638   3,932,150 76,680 SH   SOLE   0 0 76,680
ISHARES TR FLTG RATE NT ETF 46429B655   307,278 6,098 SH   SOLE   0 0 6,098
ISHARES TR IBONDS DEC2023 46435G318   228,870 9,000 SH   SOLE   0 0 9,000
ISHARES TR CORE INTL AGGR 46435G672   763,669 15,601 SH   SOLE   0 0 15,601
JOHNSON & JOHNSON COM 478160104   450,170 2,904 SH   SOLE   0 0 2,904
KIMBERLY-CLARK CORP COM 494368103   286,023 2,131 SH   SOLE   0 0 2,131
LEGGETT & PLATT INC COM 524660107   225,360 7,069 SH   SOLE   0 0 7,069
LOWES COS INC COM 548661107   473,129 2,366 SH   SOLE   0 0 2,366
MACYS INC COM 55616P104   208,498 11,921 SH   SOLE   0 0 11,921
MCCORMICK & CO INC COM NON VTG 579780206   323,021 3,882 SH   SOLE   0 0 3,882
MCDONALDS CORP COM 580135101   418,856 1,498 SH   SOLE   0 0 1,498
MICROSOFT CORP COM 594918104   1,366,853 4,741 SH   SOLE   0 0 4,741
NEXTERA ENERGY INC COM 65339F101   241,723 3,136 SH   SOLE   0 0 3,136
NUCOR CORP COM 670346105   411,971 2,667 SH   SOLE   0 0 2,667
NVIDIA CORPORATION COM 67066G104   966,508 3,480 SH   SOLE   0 0 3,480
PDC ENERGY INC COM 69327R101   291,570 4,543 SH   SOLE   0 0 4,543
PPG INDS INC COM 693506107   308,971 2,313 SH   SOLE   0 0 2,313
PEPSICO INC COM 713448108   391,398 2,147 SH   SOLE   0 0 2,147
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   407,391 12,489 SH   SOLE   0 0 12,489
PIMCO ETF TR INTER MUN BD ACT 72201R866   460,567 8,813 SH   SOLE   0 0 8,813
PRICE T ROWE GROUP INC COM 74144T108   257,525 2,281 SH   SOLE   0 0 2,281
PROCTER AND GAMBLE CO COM 742718109   661,819 4,451 SH   SOLE   0 0 4,451
PROGRESSIVE CORP COM 743315103   553,070 3,866 SH   SOLE   0 0 3,866
PROSHARES TR BITCOIN STRATE 74347G440   356,952 20,374 SH   SOLE   0 0 20,374
REALTY INCOME CORP COM 756109104   273,226 4,315 SH   SOLE   0 0 4,315
R1 RCM INC COM 77634L105   173,520 11,568 SH   SOLE   0 0 11,568
ROPER TECHNOLOGIES INC COM 776696106   300,551 682 SH   SOLE   0 0 682
S&P GLOBAL INC COM 78409V104   304,432 883 SH   SOLE   0 0 883
SPDR GOLD TR GOLD SHS 78463V107   282,708 1,543 SH   SOLE   0 0 1,543
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,873,194 54,884 SH   SOLE   0 0 54,884
SPDR SER TR BBG CONV SEC ETF 78464A359   1,155,281 17,225 SH   SOLE   0 0 17,225
SPDR SER TR PORTFOLIO INTRMD 78464A375   309,955 9,540 SH   SOLE   0 0 9,540
SPDR SER TR PORTFOLIO SHORT 78464A474   4,056,169 136,894 SH   SOLE   0 0 136,894
SPDR SER TR S&P DIVID ETF 78464A763   722,219 5,838 SH   SOLE   0 0 5,838
SPDR SER TR BLOOMBERG INVT 78468R200   1,092,802 35,912 SH   SOLE   0 0 35,912
SPDR SER TR PORTFLI HIGH YLD 78468R606   762,683 33,189 SH   SOLE   0 0 33,189
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,103,771 33,803 SH   SOLE   0 0 33,803
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   272,713 5,873 SH   SOLE   0 0 5,873
SAIA INC COM 78709Y105   294,391 1,082 SH   SOLE   0 0 1,082
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   472,091 7,244 SH   SOLE   0 0 7,244
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   315,435 4,649 SH   SOLE   0 0 4,649
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   642,129 20,535 SH   SOLE   0 0 20,535
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   591,217 16,989 SH   SOLE   0 0 16,989
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   672,971 14,346 SH   SOLE   0 0 14,346
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   297,180 6,091 SH   SOLE   0 0 6,091
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,071,021 19,978 SH   SOLE   0 0 19,978
SHERWIN WILLIAMS CO COM 824348106   251,518 1,119 SH   SOLE   0 0 1,119
SMITH A O CORP COM 831865209   298,866 4,322 SH   SOLE   0 0 4,322
STANLEY BLACK & DECKER INC COM 854502101   205,640 2,552 SH   SOLE   0 0 2,552
SYSCO CORP COM 871829107   325,370 4,213 SH   SOLE   0 0 4,213
TARGET CORP COM 87612E106   307,775 1,858 SH   SOLE   0 0 1,858
TESLA INC COM 88160R101   238,164 1,148 SH   SOLE   0 0 1,148
3M CO COM 88579Y101   308,183 2,932 SH   SOLE   0 0 2,932
UNITEDHEALTH GROUP INC COM 91324P102   414,164 876 SH   SOLE   0 0 876
VANECK ETF TRUST IG FLOATING RATE 92189F486   1,181,156 47,303 SH   SOLE   0 0 47,303
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   223,413 4,318 SH   SOLE   0 0 4,318
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,699,583 24,022 SH   SOLE   0 0 24,022
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   671,177 6,644 SH   SOLE   0 0 6,644
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,641,692 99,579 SH   SOLE   0 0 99,579
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,133,000 27,886 SH   SOLE   0 0 27,886
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   375,536 3,560 SH   SOLE   0 0 3,560
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,453,013 46,865 SH   SOLE   0 0 46,865
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,774,589 28,480 SH   SOLE   0 0 28,480
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   520,752 12,890 SH   SOLE   0 0 12,890
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,496,329 18,653 SH   SOLE   0 0 18,653
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   270,504 719 SH   SOLE   0 0 719
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   367,950 4,431 SH   SOLE   0 0 4,431
VANGUARD INDEX FDS SML CP GRW ETF 922908595   490,985 2,269 SH   SOLE   0 0 2,269
VANGUARD INDEX FDS SM CP VAL ETF 922908611   469,246 2,956 SH   SOLE   0 0 2,956
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,204,906 6,450 SH   SOLE   0 0 6,450
VANGUARD INDEX FDS GROWTH ETF 922908736   289,049 1,159 SH   SOLE   0 0 1,159
VANGUARD INDEX FDS VALUE ETF 922908744   2,803,909 20,302 SH   SOLE   0 0 20,302
VANGUARD INDEX FDS SMALL CP ETF 922908751   914,784 4,826 SH   SOLE   0 0 4,826
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,103,572 15,206 SH   SOLE   0 0 15,206
VISA INC COM CL A 92826C839   621,593 2,757 SH   SOLE   0 0 2,757
WALMART INC COM 931142103   427,437 2,899 SH   SOLE   0 0 2,899
WALGREENS BOOTS ALLIANCE INC COM 931427108   224,735 6,499 SH   SOLE   0 0 6,499
WEST PHARMACEUTICAL SVSC INC COM 955306105   320,485 925 SH   SOLE   0 0 925
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   401,387 8,562 SH   SOLE   0 0 8,562
WISDOMTREE TR US HIGH DIVIDEND 97717W208   615,791 7,485 SH   SOLE   0 0 7,485
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,008,165 20,055 SH   SOLE   0 0 20,055