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
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109   498,585 2,806 SH   SOLE   0 0 2,806
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   289,613 823 SH   SOLE   0 0 823
AFLAC INC COM 001055102   927,694 8,968 SH   SOLE   0 0 8,968
AGNC INVT CORP COM 00123Q104   709,128 76,995 SH   SOLE   0 0 76,995
ALPHABET INC CAP STK CL C 02079K107   738,467 3,878 SH   SOLE   0 0 3,878
ALPHABET INC CAP STK CL A 02079K305   1,945,007 10,275 SH   SOLE   0 0 10,275
ALTRIA GROUP INC COM 02209S103   330,378 6,318 SH   SOLE   0 0 6,318
AMAZON COM INC COM 023135106   2,933,902 13,373 SH   SOLE   0 0 13,373
ANGEL OAK FUNDS TRUST INCOME ETF 03463K760   221,481 10,757 SH   SOLE   0 0 10,757
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   482,375 26,359 SH   SOLE   0 0 26,359
APPLE INC COM 037833100   6,407,737 25,588 SH   SOLE   0 0 25,588
AT&T INC COM 00206R102   221,202 9,715 SH   SOLE   0 0 9,715
BANK AMERICA CORP COM 060505104   738,605 16,806 SH   SOLE   0 0 16,806
BERKLEY W R CORP COM 084423102   269,566 4,606 SH   SOLE   0 0 4,606
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,254,097 7,179 SH   SOLE   0 0 7,179
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   6,495,371 126,739 SH   SOLE   0 0 126,739
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   1,365,724 26,254 SH   SOLE   0 0 26,254
BLACKSTONE INC COM 09260D107   212,434 1,232 SH   SOLE   0 0 1,232
BROADCOM INC COM 11135F101   635,438 2,741 SH   SOLE   0 0 2,741
BROOKFIELD CORP CL A LTD VT SH 11271J107   488,340 8,500 SH   SOLE   0 0 8,500
BROOKFIELD INFRASTRUCTURE CO COM SUB VTG A 11276H106   210,157 5,253 SH   SOLE   0 0 5,253
CATERPILLAR INC COM 149123101   672,358 1,853 SH   SOLE   0 0 1,853
CHEVRON CORP NEW COM 166764100   568,246 3,923 SH   SOLE   0 0 3,923
CHUBB LIMITED COM H1467J104   387,102 1,401 SH   SOLE   0 0 1,401
CISCO SYS INC COM 17275R102   382,427 6,460 SH   SOLE   0 0 6,460
COCA COLA CO COM 191216100   585,578 9,405 SH   SOLE   0 0 9,405
CORNERSTONE STRATEGIC INVEST COM 21924B302   134,157 15,618 SH   SOLE   0 0 15,618
CORNERSTONE TOTAL RETURN FD COM 21924U300   237,459 27,326 SH   SOLE   0 0 27,326
COSTCO WHSL CORP NEW COM 22160K105   329,573 360 SH   SOLE   0 0 360
CROWDSTRIKE HLDGS INC CL A 22788C105   203,585 595 SH   SOLE   0 0 595
CSX CORP COM 126408103   1,599,824 49,576 SH   SOLE   0 0 49,576
DEERE & CO COM 244199105   208,280 492 SH   SOLE   0 0 492
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   6,512,206 160,835 SH   SOLE   0 0 160,835
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,438,121 49,251 SH   SOLE   0 0 49,251
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   583,544 23,001 SH   SOLE   0 0 23,001
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   15,317,576 442,833 SH   SOLE   0 0 442,833
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,878,364 75,558 SH   SOLE   0 0 75,558
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   524,299 20,529 SH   SOLE   0 0 20,529
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   543,929 8,478 SH   SOLE   0 0 8,478
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583   1,940,552 36,732 SH   SOLE   0 0 36,732
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567   764,365 14,532 SH   SOLE   0 0 14,532
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   607,787 15,011 SH   SOLE   0 0 15,011
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,148,166 24,492 SH   SOLE   0 0 24,492
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,233,803 29,896 SH   SOLE   0 0 29,896
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   328,480 6,876 SH   SOLE   0 0 6,876
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   1,994,766 59,034 SH   SOLE   0 0 59,034
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   276,187 11,869 SH   SOLE   0 0 11,869
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,925,649 62,562 SH   SOLE   0 0 62,562
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   648,309 25,696 SH   SOLE   0 0 25,696
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   662,526 24,935 SH   SOLE   0 0 24,935
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,152,847 83,298 SH   SOLE   0 0 83,298
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   347,103 13,243 SH   SOLE   0 0 13,243
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   758,486 28,961 SH   SOLE   0 0 28,961
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   346,501 14,006 SH   SOLE   0 0 14,006
DISNEY WALT CO COM 254687106   287,888 2,585 SH   SOLE   0 0 2,585
DUKE ENERGY CORP NEW COM NEW 26441C204   544,788 5,057 SH   SOLE   0 0 5,057
DYNEX CAP INC COM 26817Q886   147,867 11,689 SH   SOLE   0 0 11,689
EATON CORP PLC SHS G29183103   528,879 1,594 SH   SOLE   0 0 1,594
ELI LILLY & CO COM 532457108   661,630 857 SH   SOLE   0 0 857
EMERSON ELEC CO COM 291011104   251,076 2,026 SH   SOLE   0 0 2,026
EQUITY RESIDENTIAL SH BEN INT 29476L107   222,297 3,098 SH   SOLE   0 0 3,098
EXXON MOBIL CORP COM 30231G102   1,094,672 10,176 SH   SOLE   0 0 10,176
F N B CORP COM 302520101   829,099 56,096 SH   SOLE   0 0 56,096
FEDERATED HERMES ETF TRUST HERMES TOTAL RET 31423L404   419,554 17,000 SH   SOLE   0 0 17,000
FIRSTENERGY CORP COM 337932107   207,061 5,205 SH   SOLE   0 0 5,205
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   504,466 7,121 SH   SOLE   0 0 7,121
GOLDMAN SACHS GROUP INC COM 38141G104   205,576 359 SH   SOLE   0 0 359
HOME DEPOT INC COM 437076102   683,448 1,757 SH   SOLE   0 0 1,757
HUBBELL INC COM 443510607   974,757 2,327 SH   SOLE   0 0 2,327
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   915,747 9,638 SH   SOLE   0 0 9,638
INVESCO MORTGAGE CAPITAL INC COM 46131B704   494,810 61,467 SH   SOLE   0 0 61,467
INVESCO QQQ TR UNIT SER 1 46090E103   256,833 502 SH   SOLE   0 0 502
ISHARES GOLD TR ISHARES NEW 464285204   350,828 7,086 SH   SOLE   0 0 7,086
ISHARES INC MSCI EMRG CHN 46434G764   2,879,166 51,924 SH   SOLE   0 0 51,924
ISHARES INC CORE MSCI EMKT 46434G103   1,313,902 25,161 SH   SOLE   0 0 25,161
ISHARES TR GNMA BOND ETF 46429B333   340,028 7,921 SH   SOLE   0 0 7,921
ISHARES TR MSCI USA MMENTM 46432F396   270,939 1,309 SH   SOLE   0 0 1,309
ISHARES TR MSCI USA QLT FCT 46432F339   6,805,965 38,219 SH   SOLE   0 0 38,219
ISHARES TR CORE DIV GRWTH 46434V621   250,077 4,077 SH   SOLE   0 0 4,077
ISHARES TR CORE TOTAL USD 46434V613   4,309,891 95,352 SH   SOLE   0 0 95,352
ISHARES TR CONV BD ETF 46435G102   226,643 2,667 SH   SOLE   0 0 2,667
ISHARES TR US INFRASTRUC 46435U713   535,155 11,561 SH   SOLE   0 0 11,561
ISHARES TR ESG AWR MSCI USA 46435G425   1,069,969 8,306 SH   SOLE   0 0 8,306
ISHARES TR 10-20 YR TRS ETF 464288653   523,115 5,255 SH   SOLE   0 0 5,255
ISHARES TR MSCI INTL VLU FT 46435G409   886,698 32,707 SH   SOLE   0 0 32,707
ISHARES TR US TREAS BD ETF 46429B267   253,905 11,049 SH   SOLE   0 0 11,049
ISHARES TR ESG MSCI LEADR 46435U218   478,281 4,642 SH   SOLE   0 0 4,642
ISHARES TR EAFE VALUE ETF 464288877   4,946,298 94,269 SH   SOLE   0 0 94,269
ISHARES TR EAFE GRWTH ETF 464288885   5,194,506 53,646 SH   SOLE   0 0 53,646
ISHARES TR MBS ETF 464288588   1,654,401 18,045 SH   SOLE   0 0 18,045
ISHARES TR NATIONAL MUN ETF 464288414   503,744 4,728 SH   SOLE   0 0 4,728
ISHARES TR JPMORGAN USD EMG 464288281   332,976 3,740 SH   SOLE   0 0 3,740
ISHARES TR CORE US AGGBD ET 464287226   351,755 3,630 SH   SOLE   0 0 3,630
ISHARES TR S&P 100 ETF 464287101   1,007,653 3,488 SH   SOLE   0 0 3,488
ISHARES TR 20 YR TR BD ETF 464287432   853,109 9,769 SH   SOLE   0 0 9,769
ISHARES TR U.S. TECH ETF 464287721   2,338,311 14,658 SH   SOLE   0 0 14,658
ISHARES TR EUROPE ETF 464287861   535,985 10,296 SH   SOLE   0 0 10,296
ISHARES TR S&P 500 VAL ETF 464287408   3,680,034 19,279 SH   SOLE   0 0 19,279
ISHARES TR CORE S&P500 ETF 464287200   10,578,778 17,970 SH   SOLE   0 0 17,970
ISHARES TR S&P 500 GRWT ETF 464287309   7,590,899 74,765 SH   SOLE   0 0 74,765
ISHARES TR RUS 1000 ETF 464287622   786,929 2,443 SH   SOLE   0 0 2,443
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   394,837 6,915 SH   SOLE   0 0 6,915
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   221,190 4,801 SH   SOLE   0 0 4,801
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   2,229,328 21,047 SH   SOLE   0 0 21,047
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   200,248 4,389 SH   SOLE   0 0 4,389
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   421,813 6,664 SH   SOLE   0 0 6,664
J P MORGAN EXCHANGE TRADED F GLOBAL SEL EQUIT 46654Q740   492,506 8,203 SH   SOLE   0 0 8,203
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134   257,442 4,400 SH   SOLE   0 0 4,400
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   336,038 4,147 SH   SOLE   0 0 4,147
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   8,697,205 171,509 SH   SOLE   0 0 171,509
JOHNSON & JOHNSON COM 478160104   907,369 6,274 SH   SOLE   0 0 6,274
JPMORGAN CHASE & CO. COM 46625H100   663,044 2,766 SH   SOLE   0 0 2,766
KIMBERLY-CLARK CORP COM 494368103   307,158 2,344 SH   SOLE   0 0 2,344
KKR & CO INC COM 48251W104   1,016,565 6,873 SH   SOLE   0 0 6,873
LOCKHEED MARTIN CORP COM 539830109   341,114 702 SH   SOLE   0 0 702
LOWES COS INC COM 548661107   542,424 2,198 SH   SOLE   0 0 2,198
MASTERCARD INCORPORATED CL A 57636Q104   658,584 1,251 SH   SOLE   0 0 1,251
MCDONALDS CORP COM 580135101   253,519 875 SH   SOLE   0 0 875
META PLATFORMS INC CL A 30303M102   614,790 1,050 SH   SOLE   0 0 1,050
MICROSOFT CORP COM 594918104   4,103,194 9,735 SH   SOLE   0 0 9,735
NIO INC SPON ADS 62914V106   109,000 25,000 SH   SOLE   0 0 25,000
NORTHROP GRUMMAN CORP COM 666807102   217,447 463 SH   SOLE   0 0 463
NVIDIA CORPORATION COM 67066G104   909,953 6,776 SH   SOLE   0 0 6,776
ONEOK INC NEW COM 682680103   261,828 2,608 SH   SOLE   0 0 2,608
OXFORD LANE CAP CORP COM 691543102   99,576 19,640 SH   SOLE   0 0 19,640
PENNANTPARK FLOATING RATE CA COM 70806A106   110,388 10,100 SH   SOLE   0 0 10,100
PEPSICO INC COM 713448108   206,067 1,355 SH   SOLE   0 0 1,355
PHILIP MORRIS INTL INC COM 718172109   210,421 1,748 SH   SOLE   0 0 1,748
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   256,242 2,554 SH   SOLE   0 0 2,554
PPG INDS INC COM 693506107   293,847 2,460 SH   SOLE   0 0 2,460
PROCTER AND GAMBLE CO COM 742718109   870,180 5,190 SH   SOLE   0 0 5,190
QUALCOMM INC COM 747525103   244,268 1,590 SH   SOLE   0 0 1,590
RTX CORPORATION COM 75513E101   630,678 5,450 SH   SOLE   0 0 5,450
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,297,189 57,145 SH   SOLE   0 0 57,145
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,485,120 109,477 SH   SOLE   0 0 109,477
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   278,501 10,194 SH   SOLE   0 0 10,194
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   261,681 1,125 SH   SOLE   0 0 1,125
SERVISFIRST BANCSHARES INC COM 81768T108   524,693 6,192 SH   SOLE   0 0 6,192
SOFI TECHNOLOGIES INC COM 83406F102   3,084,866 200,316 SH   SOLE   0 0 200,316
SOUTHERN CO COM 842587107   1,021,283 12,406 SH   SOLE   0 0 12,406
SPDR SER TR S&P BIOTECH 78464A870   796,755 8,847 SH   SOLE   0 0 8,847
SPDR SER TR PORTFOLI S&P1500 78464A805   382,944 5,361 SH   SOLE   0 0 5,361
SPDR SER TR PORTFOLIO S&P500 78464A854   9,783,912 141,919 SH   SOLE   0 0 141,919
STARBOARD INVT TR ADAPTIVE ALPHA 85521B742   577,082 21,249 SH   SOLE   0 0 21,249
STARWOOD PPTY TR INC COM 85571B105   333,896 17,620 SH   SOLE   0 0 17,620
STERIS PLC SHS USD G8473T100   264,761 1,288 SH   SOLE   0 0 1,288
STOCK YDS BANCORP INC COM 861025104   1,047,842 14,633 SH   SOLE   0 0 14,633
TESLA INC COM 88160R101   365,071 904 SH   SOLE   0 0 904
TIMOTHY PLAN INTL ETF 887432334   318,607 11,986 SH   SOLE   0 0 11,986
UBER TECHNOLOGIES INC COM 90353T100   218,238 3,618 SH   SOLE   0 0 3,618
VANGUARD INDEX FDS TOTAL STK MKT 922908769   264,017 911 SH   SOLE   0 0 911
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,191,445 23,767 SH   SOLE   0 0 23,767
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   201,033 1,027 SH   SOLE   0 0 1,027
VENUS CONCEPT INC COM NEW 92332W204   3,784 10,050 SH   SOLE   0 0 10,050
VERIZON COMMUNICATIONS INC COM 92343V104   220,181 5,506 SH   SOLE   0 0 5,506
VICTORY PORTFOLIOS II VICTORYSHARES WE 92647P126   857,067 21,304 SH   SOLE   0 0 21,304
VISA INC COM CL A 92826C839   490,233 1,551 SH   SOLE   0 0 1,551
WALMART INC COM 931142103   941,041 10,416 SH   SOLE   0 0 10,416
WORLD GOLD TR SPDR GLD MINIS 98149E303   222,153 4,273 SH   SOLE   0 0 4,273
XAI OCTAGN FLT RAT & ALT INM COM 98400T106   98,350 14,812 SH   SOLE   0 0 14,812