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
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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
DISNEY WALT CO COM 254687106   450,638 5,560 SH   SOLE   701 0 4,859
PFIZER INC COM 717081103   638,422 19,247 SH   SOLE   1,528 0 17,719
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,252,891 19,306 SH   SOLE   200 0 19,106
ISHARES TR SHRT NAT MUN ETF 464288158   209,320 2,035 SH   SOLE   0 0 2,035
KIMBERLY-CLARK CORP COM 494368103   254,481 2,106 SH   SOLE   434 0 1,672
DEERE & CO COM 244199105   746,263 1,977 SH   SOLE   0 0 1,977
MASTERCARD INCORPORATED CL A 57636Q104   431,201 1,089 SH   SOLE   315 0 774
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   426,185 3,008 SH   SOLE   370 0 2,638
VANGUARD INDEX FDS LARGE CAP ETF 922908637   229,153 1,171 SH   SOLE   0 0 1,171
ABBOTT LABS COM 002824100   407,653 4,209 SH   SOLE   292 0 3,917
PEPSICO INC COM 713448108   593,769 3,504 SH   SOLE   512 0 2,992
ISHARES TR SELECT DIVID ETF 464287168   607,206 5,641 SH   SOLE   800 0 4,841
AMERICAN FINL GROUP INC OHIO COM 025932104   249,247 2,232 SH   SOLE   0 0 2,232
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   13,472,542 196,852 SH   SOLE   3,449 0 193,403
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   1,834,444 15,365 SH   SOLE   1,227 0 14,138
NOVARTIS AG SPONSORED ADR 66987V109   234,991 2,307 SH   SOLE   278 0 2,029
CATERPILLAR INC COM 149123101   308,737 1,131 SH   SOLE   93 0 1,038
AT&T INC COM 00206R102   271,145 18,052 SH   SOLE   1,161 0 16,891
AMAZON COM INC COM 023135106   1,430,532 11,253 SH   SOLE   1,015 0 10,238
APPLE INC COM 037833100   11,099,185 64,828 SH   SOLE   3,277 0 61,551
ISHARES TR MSCI USA QLT FCT 46432F339   1,065,510 8,085 SH   SOLE   51 0 8,034
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   401,676 1,308 SH   SOLE   75 0 1,233
QUALCOMM INC COM 747525103   536,408 4,830 SH   SOLE   264 0 4,566
LOWES COS INC COM 548661107   523,965 2,521 SH   SOLE   448 0 2,073
ORACLE CORP COM 68389X105   591,775 5,587 SH   SOLE   614 0 4,973
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,899,747 217,091 SH   SOLE   3,297 0 213,794
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,853,976 237,515 SH   SOLE   18,447 0 219,068
DELTA AIR LINES INC DEL COM NEW 247361702   347,852 9,401 SH   SOLE   232 0 9,169
BOEING CO COM 097023105   536,436 2,799 SH   SOLE   0 0 2,799
CINCINNATI FINL CORP COM 172062101   905,164 8,849 SH   SOLE   0 0 8,849
PROCTER AND GAMBLE CO COM 742718109   22,875,869 156,834 SH   SOLE   946 0 155,888
ISHARES TR ESG AW MSCI EAFE 46435G516   534,098 7,726 SH   SOLE   0 0 7,726
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   395,418 7,880 SH   SOLE   0 0 7,880
VANGUARD INDEX FDS GROWTH ETF 922908736   590,008 2,167 SH   SOLE   100 0 2,067
PHILIP MORRIS INTL INC COM 718172109   493,772 5,333 SH   SOLE   73 0 5,260
ISHARES TR RUS 2000 VAL ETF 464287630   2,069,482 15,267 SH   SOLE   114 0 15,153
WALMART INC COM 931142103   432,709 2,706 SH   SOLE   37 0 2,669
INTEL CORP COM 458140100   606,560 17,062 SH   SOLE   0 0 17,062
DUKE ENERGY CORP NEW COM NEW 26441C204   1,281,688 14,522 SH   SOLE   1,160 0 13,362
NIKE INC CL B 654106103   233,828 2,445 SH   SOLE   351 0 2,094
INSIGHT SELECT INCOME FD COM 45781W109   223,128 14,846 SH   SOLE   0 0 14,846
GENERAL ELECTRIC CO COM NEW 369604301   688,677 6,230 SH   SOLE   50 0 6,180
BRISTOL-MYERS SQUIBB CO COM 110122108   721,502 12,431 SH   SOLE   1,380 0 11,051
COMCAST CORP NEW CL A 20030N101   220,558 4,974 SH   SOLE   882 0 4,092
ISHARES TR SP SMCP600VL ETF 464287879   365,980 4,102 SH   SOLE   0 0 4,102
ISHARES TR CORE S&P SCP ETF 464287804   859,218 9,109 SH   SOLE   1,075 0 8,034
SALESFORCE INC COM 79466L302   310,339 1,530 SH   SOLE   84 0 1,446
CISCO SYS INC COM 17275R102   679,961 12,648 SH   SOLE   485 0 12,163
EXXON MOBIL CORP COM 30231G102   2,172,182 18,474 SH   SOLE   1,889 0 16,585
JPMORGAN CHASE & CO COM 46625H100   888,569 6,127 SH   SOLE   611 0 5,516
BROADCOM INC COM 11135F101   301,501 363 SH   SOLE   22 0 341
ISHARES INC CORE MSCI EMKT 46434G103   2,084,615 43,804 SH   SOLE   7,027 0 36,777
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   201,376 3,882 SH   SOLE   0 0 3,882
ABBVIE INC COM 00287Y109   644,195 4,322 SH   SOLE   129 0 4,193
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   850,879 2,429 SH   SOLE   208 0 2,221
CHEVRON CORP NEW COM 166764100   919,051 5,450 SH   SOLE   961 0 4,489
VANGUARD INDEX FDS MID CAP ETF 922908629   1,730,888 8,312 SH   SOLE   378 0 7,934
MONDELEZ INTL INC CL A 609207105   256,780 3,700 SH   SOLE   456 0 3,244
VISA INC COM CL A 92826C839   525,308 2,284 SH   SOLE   102 0 2,182
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   986,779 13,042 SH   SOLE   1,157 0 11,885
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   796,609 5,127 SH   SOLE   1,931 0 3,196
ISHARES TR RUS 1000 VAL ETF 464287598   1,738,186 11,449 SH   SOLE   117 0 11,332
TJX COS INC NEW COM 872540109   268,151 3,017 SH   SOLE   352 0 2,665
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   16,270,956 244,089 SH   SOLE   3,248 0 240,841
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   2,290,086 32,056 SH   SOLE   3,494 0 28,562
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   153,229 11,521 SH   SOLE   0 0 11,521
EXELON CORP COM 30161N101   204,973 5,424 SH   SOLE   0 0 5,424
VANGUARD INDEX FDS SMALL CP ETF 922908751   396,871 2,099 SH   SOLE   905 0 1,194
ISHARES TR CORE US AGGBD ET 464287226   1,594,740 16,958 SH   SOLE   0 0 16,958
ALTRIA GROUP INC COM 02209S103   423,693 10,076 SH   SOLE   316 0 9,760
ORGANOGENESIS HLDGS INC COM 68621F102   242,078 76,125 SH   SOLE   0 0 76,125
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101   171,834 13,573 SH   SOLE   368 0 13,205
HOME DEPOT INC COM 437076102   735,995 2,436 SH   SOLE   117 0 2,319
HUMANA INC COM 444859102   462,498 951 SH   SOLE   0 0 951
VANGUARD INDEX FDS TOTAL STK MKT 922908769   822,973 3,874 SH   SOLE   0 0 3,874
NVIDIA CORPORATION COM 67066G104   1,753,693 4,032 SH   SOLE   384 0 3,648
WASTE MGMT INC DEL COM 94106L109   385,435 2,528 SH   SOLE   77 0 2,451
VERIZON COMMUNICATIONS INC COM 92343V104   409,142 12,624 SH   SOLE   1,461 0 11,163
AMGEN INC COM 031162100   1,026,055 3,818 SH   SOLE   0 0 3,818
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   10,695,739 103,521 SH   SOLE   8,373 0 95,148
INVESCO QQQ TR UNIT SER 1 46090E103   599,746 1,674 SH   SOLE   50 0 1,624
SOUTHERN CO COM 842587107   560,291 8,657 SH   SOLE   0 0 8,657
COCA COLA CO COM 191216100   465,690 8,319 SH   SOLE   1,199 0 7,120
LOCKHEED MARTIN CORP COM 539830109   657,303 1,607 SH   SOLE   6 0 1,601
INTERNATIONAL BUSINESS MACHS COM 459200101   619,841 4,418 SH   SOLE   144 0 4,274
UNITEDHEALTH GROUP INC COM 91324P102   355,949 706 SH   SOLE   179 0 527
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   252,806 5,347 SH   SOLE   0 0 5,347
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   594,860 1,515 SH   SOLE   0 0 1,515
3M CO COM 88579Y101   310,783 3,320 SH   SOLE   176 0 3,144
TESLA INC COM 88160R101   1,005,317 4,018 SH   SOLE   282 0 3,736
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   4,566,140 180,195 SH   SOLE   5,805 0 174,390
ISHARES TR CORE MSCI EAFE 46432F842   5,264,956 81,818 SH   SOLE   7,594 0 74,224
ISHARES TR CORE S&P MCP ETF 464287507   650,355 2,608 SH   SOLE   629 0 1,979
ISHARES TR RUS MID CAP ETF 464287499   402,550 5,813 SH   SOLE   0 0 5,813
ISHARES TR S&P 500 VAL ETF 464287408   1,798,543 11,691 SH   SOLE   0 0 11,691
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   186,697 17,900 SH   SOLE   0 0 17,900
MERCK & CO INC COM 58933Y105   1,810,103 17,582 SH   SOLE   439 0 17,143
STARBUCKS CORP COM 855244109   263,048 2,882 SH   SOLE   0 0 2,882
ISHARES TR MSCI EMG MKT ETF 464287234   248,686 6,553 SH   SOLE   1,200 0 5,353
MICROSOFT CORP COM 594918104   5,622,004 17,805 SH   SOLE   1,328 0 16,477
ISHARES TR RUS 1000 GRW ETF 464287614   2,657,446 9,991 SH   SOLE   67 0 9,924
ISHARES TR RUSSELL 2000 ETF 464287655   594,822 3,366 SH   SOLE   0 0 3,366
META PLATFORMS INC CL A 30303M102   389,973 1,299 SH   SOLE   233 0 1,066
MCDONALDS CORP COM 580135101   1,085,350 4,120 SH   SOLE   169 0 3,951
ENBRIDGE INC COM 29250N105   622,778 18,764 SH   SOLE   1,315 0 17,449
ALPHABET INC CAP STK CL A 02079K305   683,136 5,220 SH   SOLE   1,129 0 4,091
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,990,834 459,243 SH   SOLE   9,976 0 449,267
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   367,529 8,406 SH   SOLE   500 0 7,906
BANK AMERICA CORP COM 060505104   215,891 7,885 SH   SOLE   2,336 0 5,549
GENERAL DYNAMICS CORP COM 369550108   233,786 1,058 SH   SOLE   6 0 1,052
ISHARES TR CORE 1 5 YR USD 46432F859   2,885,715 62,219 SH   SOLE   0 0 62,219
ISHARES TR MSCI EAFE ETF 464287465   344,246 4,995 SH   SOLE   900 0 4,095
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   35,695,684 619,717 SH   SOLE   19,676 0 600,041
KROGER CO COM 501044101   609,443 13,619 SH   SOLE   23 0 13,596
ALPHABET INC CAP STK CL C 02079K107   1,434,660 10,881 SH   SOLE   280 0 10,601
EMERSON ELEC CO COM 291011104   301,974 3,127 SH   SOLE   0 0 3,127
ELI LILLY & CO COM 532457108   1,876,503 3,494 SH   SOLE   177 0 3,317
ISHARES TR CORE S&P500 ETF 464287200   17,899,030 41,681 SH   SOLE   409 0 41,272
CONOCOPHILLIPS COM 20825C104   349,693 2,919 SH   SOLE   384 0 2,535
ASTRAZENECA PLC SPONSORED ADR 046353108   335,818 4,959 SH   SOLE   107 0 4,852
ZSCALER INC COM 98980G102   223,272 1,435 SH   SOLE   0 0 1,435
BP PLC SPONSORED ADR 055622104   362,497 9,362 SH   SOLE   1,493 0 7,869
ISHARES TR U.S. REAL ES ETF 464287739   271,830 3,479 SH   SOLE   947 0 2,532
NUVEEN AMT FREE MUN CR INC F COM 67071L106   317,499 30,795 SH   SOLE   0 0 30,795
ISHARES INC MSCI GBL MIN VOL 464286525   2,346,589 24,592 SH   SOLE   107 0 24,485
LULULEMON ATHLETICA INC COM 550021109   326,414 846 SH   SOLE   40 0 806
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   3,276,991 167,879 SH   SOLE   4,983 0 162,896
FIFTH THIRD BANCORP COM 316773100   1,984,120 78,331 SH   SOLE   150 0 78,181
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,316,944 24,588 SH   SOLE   587 0 24,001
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   212,775 3,438 SH   SOLE   385 0 3,053
JOHNSON & JOHNSON COM 478160104   2,388,570 15,336 SH   SOLE   564 0 14,772