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
Amazon.com Inc Stock 023135106   244,466 1,265 SH   SOLE   0 0 0
Anthem Inc Stock 036752103   488,216 901 SH   SOLE   0 0 0
iShares Core International Aggt Bd ETF ETF 46435G672   295,144 5,912 SH   SOLE   0 0 0
Johnson & Johnson Stock 478160104   938,249 6,419 SH   SOLE   0 0 0
Vanguard Total Stock Market ETF ETF 922908769   562,178 2,102 SH   SOLE   0 0 0
iShares MSCI Emerging Markets ETF ETF 464287234   252,147 5,920 SH   SOLE   0 0 0
Shell PLC ADR 780259305   267,810 3,710 SH   SOLE   0 0 0
Procter & Gamble Co Stock 742718109   6,421,721 38,938 SH   SOLE   0 0 0
United Parcel Service Inc Stock 911312106   265,091 1,937 SH   SOLE   0 0 0
Vanguard Real Estate ETF ETF 922908553   439,718 5,250 SH   SOLE   0 0 0
Merck & Co Inc Stock 58933Y105   507,758 4,101 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   253,362 2,423 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   851,660 1,565 SH   SOLE   0 0 0
Illinois Tool Works Inc Stock 452308109   327,242 1,381 SH   SOLE   0 0 0
iShares Core US REIT ETF ETF 464288521   204,396 3,816 SH   SOLE   0 0 0
American Financial Group Inc Stock 025932104   307,603 2,500 SH   SOLE   0 0 0
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF ETF 00162Q395   223,636 5,424 SH   SOLE   0 0 0
Verizon Communications Inc Stock 92343V104   445,595 10,805 SH   SOLE   0 0 0
PepsiCo Inc Stock 713448108   497,030 3,014 SH   SOLE   0 0 0
Trane Technologies PLC Stock G8994E103   561,656 1,708 SH   SOLE   0 0 0
U.S. Bancorp Stock 902973304   261,455 6,586 SH   SOLE   0 0 0
The Home Depot Inc Stock 437076102   910,502 2,645 SH   SOLE   0 0 0
Automatic Data Processing Inc Stock 053015103   357,377 1,497 SH   SOLE   0 0 0
Southern Co Stock 842587107   208,882 2,693 SH   SOLE   0 0 0
iShares Russell 1000 Growth ETF ETF 464287614   3,349,910 9,190 SH   SOLE   0 0 0
Schwab US Broad Market ETF ETF 808524102   802,607 12,766 SH   SOLE   0 0 0
Schwab International Equity ETF ETF 808524805   245,905 6,400 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   22,604,223 211,928 SH   SOLE   0 0 0
iShares iBonds Dec 2027 Term Corp ETF ETF 46435UAA9   1,086,418 45,782 SH   SOLE   0 0 0
Berkshire Hathaway Inc Stock 084670702   889,614 2,187 SH   SOLE   0 0 0
Adobe Inc Stock 00724F101   287,219 517 SH   SOLE   0 0 0
Alphabet Inc Stock 02079K305   942,303 5,173 SH   SOLE   0 0 0
Fiserv Inc Stock 337738108   347,561 2,332 SH   SOLE   0 0 0
CSX Corp Stock 126408103   962,558 28,776 SH   SOLE   0 0 0
Comcast Corp Stock 20030N101   319,070 8,148 SH   SOLE   0 0 0
iShares iBonds Dec 2024 Term Muni Bond ETF 46435U697   438,021 16,818 SH   SOLE   0 0 0
Microsoft Corp Stock 594918104   2,811,087 6,289 SH   SOLE   0 0 0
First Trust TCW Unconstrained Plus Bond ETF ETF 33740F888   306,442 12,533 SH   SOLE   0 0 0
KEURIG DR PEPPER INC COM Stock 49271V100   207,907 6,225 SH   SOLE   0 0 0
Ameriprise Financial Inc Stock 03076C106   200,300 469 SH   SOLE   0 0 0
Vanguard Small-Cap ETF ETF 922908751   398,879 1,829 SH   SOLE   0 0 0
NextEra Energy Inc Stock 65339F101   333,119 4,704 SH   SOLE   0 0 0
VICTORYSHARES CORE INTERMEDIATE BOND ETF ETF 92647N527   505,278 10,982 SH   SOLE   0 0 0
Norfolk Southern Corp Stock 655844108   343,252 1,599 SH   SOLE   0 0 0
iShares iBonds Dec 2025 Term Muni Bd ETF ETF 46435U432   494,955 18,688 SH   SOLE   0 0 0
Vanguard S&P 500 ETF ETF 922908363   1,561,690 3,123 SH   SOLE   0 0 0
iShares iBonds Dec 2026 Term Muni Bond ETF ETF 46435U259   321,230 12,687 SH   SOLE   0 0 0
Fifth Third Bancorp Stock 316773100   201,874 5,532 SH   SOLE   0 0 0
LCNB Corp Stock 50181P100   1,038,938 74,690 SH   SOLE   0 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   888,104 8,681 SH   SOLE   0 0 0
Air Products & Chemicals Inc Stock 009158106   281,355 1,090 SH   SOLE   0 0 0
Duke Energy Corp Stock 26441C204   393,346 3,924 SH   SOLE   0 0 0
Carrier Global Corp Stock 14448C104   348,303 5,522 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   277,637 4,275 SH   SOLE   0 0 0
EV Tax-Mgd Gbl Div Equity Income COM 27829F108   211,035 24,975 SH   SOLE   0 0 0
iShares MSCI EAFE Value ETF ETF 464288877   4,170,287 78,625 SH   SOLE   0 0 0
Energy Transfer LP Stock 29273V100   502,878 31,004 SH   SOLE   0 0 0
Visa Inc Stock 92826C839   278,549 1,061 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   277,783 3,309 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   428,374 1,145 SH   SOLE   0 0 0
Meta Platforms Inc Stock 30303M102   311,582 618 SH   SOLE   0 0 0
Palo Alto Networks Inc Stock 697435105   206,627 610 SH   SOLE   0 0 0
SPDR SSgA Multi-Asset Real Return ETF ETF 78467V103   965,862 34,957 SH   SOLE   0 0 0
Broadcom Inc Stock 11135F101   932,869 581 SH   SOLE   0 0 0
iShares Core MSCI Total Intl Stk ETF ETF 46432F834   744,694 11,023 SH   SOLE   0 0 0
Accenture PLC Stock G1151C101   341,384 1,125 SH   SOLE   0 0 0
NVIDIA Corp Stock 67066G104   208,740 1,690 SH   SOLE   0 0 0
iShares 1-5 Year invmt Grd Corp Bd ETF ETF 464288646   234,469 4,576 SH   SOLE   0 0 0
EOG Resources Inc Stock 26875P101   261,932 2,081 SH   SOLE   0 0 0
AbbVie Inc Stock 00287Y109   661,106 3,854 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   438,966 8,200 SH   SOLE   0 0 0
Vanguard FTSE All-Wld ex-US ETF ETF 922042775   345,763 5,896 SH   SOLE   0 0 0
Qualcomm Inc Stock 747525103   644,648 3,237 SH   SOLE   0 0 0
New Residential Investment Corp REIT 64828T201   394,895 36,196 SH   SOLE   0 0 0
Cisco Systems Inc Stock 17275R102   218,737 4,604 SH   SOLE   0 0 0
iShares Russell Mid-Cap ETF ETF 464287499   227,515 2,806 SH   SOLE   0 0 0
GE VERNOVA INC COM Stock 36828A101   235,826 1,375 SH   SOLE   0 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   571,828 10,412 SH   SOLE   0 0 0
General Electric Co Stock 369604301   945,520 5,948 SH   SOLE   0 0 0
SPDR Portfolio Short Term Treasury ETF ETF 78468R101   945,449 32,748 SH   SOLE   0 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   892,919 5,229 SH   SOLE   0 0 0
iShares Core S&P 500 ETF ETF 464287200   112,154,209 204,949 SH   SOLE   0 0 0
iShares IBonds Dec. 2026 Corporate Bond ETF ETF 46435GAA0   1,082,085 45,428 SH   SOLE   0 0 0
Cintas Corp Stock 172908105   292,792 418 SH   SOLE   0 0 0
Northrop Grumman Corp Stock 666807102   275,187 631 SH   SOLE   0 0 0
Thermo Fisher Scientific Inc Stock 883556102   338,015 611 SH   SOLE   0 0 0
Lockheed Martin Corp Stock 539830109   1,163,056 2,490 SH   SOLE   0 0 0
JPMorgan Chase & Co Stock 46625H100   1,059,216 5,237 SH   SOLE   0 0 0
The Hartford Financial Services Group Inc Stock 416515104   321,728 3,200 SH   SOLE   0 0 0
Chevron Corp Stock 166764100   699,665 4,473 SH   SOLE   0 0 0
iShares National Muni Bond ETF ETF 464288414   1,297,393 12,176 SH   SOLE   0 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   365,547 7,397 SH   SOLE   0 0 0
Cincinnati Financial Corp Stock 172062101   207,147 1,754 SH   SOLE   0 0 0
TJX Companies Inc Stock 872540109   479,344 4,354 SH   SOLE   0 0 0
Walmart Inc Stock 931142103   662,324 9,782 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661   989,597 8,570 SH   SOLE   0 0 0
International Business Machines Corp Stock 459200101   260,989 1,509 SH   SOLE   0 0 0
Raytheon Technologies Corp Stock 75513E101   577,589 5,753 SH   SOLE   0 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   305,289 6,976 SH   SOLE   0 0 0
Target Corp Stock 87612E106   247,638 1,673 SH   SOLE   0 0 0
Alphabet Inc Stock 02079K107   423,160 2,307 SH   SOLE   0 0 0
Amgen Inc Stock 031162100   453,716 1,452 SH   SOLE   0 0 0
Otis Worldwide Corp Stock 68902V107   265,948 2,763 SH   SOLE   0 0 0
Williams Companies Inc Stock 969457100   526,435 12,387 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   306,884 1,681 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440   830,365 8,867 SH   SOLE   0 0 0
iShares Core US Aggregate Bond ETF ETF 464287226   382,160 3,937 SH   SOLE   0 0 0
Citizens Financial Group Inc Stock 174610105   254,549 7,065 SH   SOLE   0 0 0
BorgWarner Inc Stock 099724106   261,773 8,120 SH   SOLE   0 0 0
Hillenbrand Inc Stock 431571108   825,493 20,627 SH   SOLE   0 0 0
Bristol-Myers Squibb Co Stock 110122108   309,661 7,456 SH   SOLE   0 0 0
Exxon Mobil Corp Stock 30231G102   510,348 4,433 SH   SOLE   0 0 0
Charles Schwab Corp Stock 808513105   343,120 4,656 SH   SOLE   0 0 0
Crown Castle International Corp REIT 22822V101   277,289 2,838 SH   SOLE   0 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   17,896,330 305,816 SH   SOLE   0 0 0
iShares MSCI EAFE ETF ETF 464287465   357,419 4,563 SH   SOLE   0 0 0
Apple Inc Stock 037833100   4,887,510 23,205 SH   SOLE   0 0 0
iShares iBonds Dec. 2025 Corporate Bond ETF ETF 46434VBD1   1,084,022 43,605 SH   SOLE   0 0 0
iShares iBonds Dec. 2024 Corporate Bond ETF ETF 46434VBG4   1,021,695 40,656 SH   SOLE   0 0 0
Abbott Laboratories Stock 002824100   476,240 4,583 SH   SOLE   0 0 0
iShares Russell 1000 ETF ETF 464287622   206,242 693 SH   SOLE   0 0 0
iShares Russell 1000 Value ETF ETF 464287598   647,511 3,711 SH   SOLE   0 0 0
HERON THERAPEUTICS INC COM Stock 427746102   102,585 29,310 SH   SOLE   0 0 0