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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 3,501 32,227 SH   SOLE   0 0 32,227
ABBVIE INC COM 00287Y109 2,726 17,801 SH   SOLE   0 0 17,801
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,390 12,209 SH   SOLE   0 0 12,209
ADVANCE AUTO PARTS INC COM 00751Y106 3,105 17,940 SH   SOLE   0 0 17,940
AFLAC INC COM 001055102 374 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 8,185 3,756 SH   SOLE   0 0 3,756
ALPHABET INC CAP STK CL C 02079K107 1,113 509 SH   SOLE   0 0 509
AMAZON COM INC COM 023135106 532 5,005 SH   SOLE   0 0 5,005
AMERICAN FINL GROUP INC OHIO COM 025932104 1,758 12,662 SH   SOLE   0 0 12,662
APPLE INC COM 037833100 12,514 91,529 SH   SOLE   0 0 91,529
AT&T INC COM 00206R102 1,152 54,970 SH   SOLE   0 0 54,970
AUTOMATIC DATA PROCESSING IN COM 053015103 3,151 15,002 SH   SOLE   0 0 15,002
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,663 13,416 SH   SOLE   0 0 13,416
BORGWARNER INC COM 099724106 3,220 96,506 SH   SOLE   0 0 96,506
BRISTOL-MYERS SQUIBB CO COM 110122108 214 2,780 SH   SOLE   0 0 2,780
BROADCOM INC COM 11135F101 3,890 8,008 SH   SOLE   0 0 8,008
CHEVRON CORP NEW COM 166764100 570 3,939 SH   SOLE   0 0 3,939
CINCINNATI BANCORP INC COM NEW 17187C102 888 62,462 SH   SOLE   0 0 62,462
CINCINNATI FINL CORP COM 172062101 707 5,940 SH   SOLE   0 0 5,940
CISCO SYS INC COM 17275R102 379 8,894 SH   SOLE   0 0 8,894
CITIZENS FINL GROUP INC COM 174610105 2,735 76,641 SH   SOLE   0 0 76,641
COCA COLA CO COM 191216100 214 3,394 SH   SOLE   0 0 3,394
COMCAST CORP NEW CL A 20030N101 3,403 86,728 SH   SOLE   0 0 86,728
CROWN CASTLE INTL CORP NEW COM 22822V101 2,818 16,735 SH   SOLE   0 0 16,735
CVS HEALTH CORP COM 126650100 3,685 39,766 SH   SOLE   0 0 39,766
DIAGEO PLC SPON ADR NEW 25243Q205 2,846 16,345 SH   SOLE   0 0 16,345
DISNEY WALT CO COM 254687106 2,744 29,067 SH   SOLE   0 0 29,067
DOMINION ENERGY INC COM 25746U109 1,806 22,632 SH   SOLE   0 0 22,632
DOW INC COM 260557103 2,251 43,614 SH   SOLE   0 0 43,614
DUKE ENERGY CORP NEW COM NEW 26441C204 237 2,210 SH   SOLE   0 0 2,210
EXXON MOBIL CORP COM 30231G102 615 7,185 SH   SOLE   0 0 7,185
FISERV INC COM 337738108 2,562 28,798 SH   SOLE   0 0 28,798
HARTFORD FINL SVCS GROUP INC COM 416515104 244 3,734 SH   SOLE   0 0 3,734
HERSHEY CO COM 427866108 215 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102 3,478 12,679 SH   SOLE   0 0 12,679
ILLINOIS TOOL WKS INC COM 452308109 3,027 16,608 SH   SOLE   0 0 16,608
INTEL CORP COM 458140100 253 6,768 SH   SOLE   0 0 6,768
INTUIT COM 461202103 308 800 SH   SOLE   0 0 800
ISHARES GOLD TR ISHARES NEW 464285204 518 15,085 SH   SOLE   0 0 15,085
ISHARES TR CORE S&P MCP ETF 464287507 16,868 74,559 SH   SOLE   0 0 74,559
ISHARES TR CORE S&P500 ETF 464287200 1,178 3,106 SH   SOLE   0 0 3,106
ISHARES TR ISHS 1-5YR INVS 464288646 419 8,296 SH   SOLE   0 0 8,296
ISHARES TR CORE S&P SCP ETF 464287804 365 3,945 SH   SOLE   0 0 3,945
ISHARES TR MSCI EAFE ETF 464287465 327 5,240 SH   SOLE   0 0 5,240
ISHARES TR RUSSELL 2000 ETF 464287655 214 1,265 SH   SOLE   0 0 1,265
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 10,747 214,559 SH   SOLE   0 0 214,559
JOHNSON & JOHNSON COM 478160104 3,284 18,502 SH   SOLE   0 0 18,502
JPMORGAN CHASE & CO COM 46625H100 4,179 37,111 SH   SOLE   0 0 37,111
LILLY ELI & CO COM 532457108 231 713 SH   SOLE   0 0 713
LOWES COS INC COM 548661107 278 1,592 SH   SOLE   0 0 1,592
MASTERCARD INCORPORATED CL A 57636Q104 210 666 SH   SOLE   0 0 666
MDU RES GROUP INC COM 552690109 270 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105 3,504 38,435 SH   SOLE   0 0 38,435
MICROSOFT CORP COM 594918104 10,161 39,563 SH   SOLE   0 0 39,563
NEXTERA ENERGY INC COM 65339F101 315 4,066 SH   SOLE   0 0 4,066
NORFOLK SOUTHN CORP COM 655844108 458 2,016 SH   SOLE   0 0 2,016
NORTHROP GRUMMAN CORP COM 666807102 3,215 6,719 SH   SOLE   0 0 6,719
PAYPAL HLDGS INC COM 70450Y103 2,298 32,906 SH   SOLE   0 0 32,906
PEPSICO INC COM 713448108 767 4,604 SH   SOLE   0 0 4,604
PFIZER INC COM 717081103 436 8,315 SH   SOLE   0 0 8,315
PRICE T ROWE GROUP INC COM 74144T108 2,276 20,031 SH   SOLE   0 0 20,031
PROCTER AND GAMBLE CO COM 742718109 4,477 31,137 SH   SOLE   0 0 31,137
QUALCOMM INC COM 747525103 4,786 37,466 SH   SOLE   0 0 37,466
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,650 27,570 SH   SOLE   0 0 27,570
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,531 125,164 SH   SOLE   0 0 125,164
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,780 56,992 SH   SOLE   0 0 56,992
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 670 21,301 SH   SOLE   0 0 21,301
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 291 11,460 SH   SOLE   0 0 11,460
SHELL PLC SPON ADS 780259305 2,014 38,509 SH   SOLE   0 0 38,509
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,514 4,012 SH   SOLE   0 0 4,012
SYSCO CORP COM 871829107 2,889 34,101 SH   SOLE   0 0 34,101
TARGET CORP COM 87612E106 2,355 16,672 SH   SOLE   0 0 16,672
THERMO FISHER SCIENTIFIC INC COM 883556102 3,902 7,182 SH   SOLE   0 0 7,182
THOMSON REUTERS CORP. COM NEW 884903709 218 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109 2,445 43,781 SH   SOLE   0 0 43,781
TRANE TECHNOLOGIES PLC SHS G8994E103 3,417 26,310 SH   SOLE   0 0 26,310
TYSON FOODS INC CL A 902494103 2,431 28,242 SH   SOLE   0 0 28,242
UNION PAC CORP COM 907818108 234 1,098 SH   SOLE   0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106 4,084 22,373 SH   SOLE   0 0 22,373
US BANCORP DEL COM NEW 902973304 1,219 26,488 SH   SOLE   0 0 26,488
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 934 2,693 SH   SOLE   0 0 2,693
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 312 3,421 SH   SOLE   0 0 3,421
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 655 15,725 SH   SOLE   0 0 15,725
VERIZON COMMUNICATIONS INC COM 92343V104 3,512 69,211 SH   SOLE   0 0 69,211
VISA INC COM CL A 92826C839 1,885 9,576 SH   SOLE   0 0 9,576
WALMART INC COM 931142103 3,230 26,565 SH   SOLE   0 0 26,565
WASTE MGMT INC DEL COM 94106L109 337 2,200 SH   SOLE   0 0 2,200
WILLIAMS COS INC COM 969457100 4,338 139,003 SH   SOLE   0 0 139,003
WP CAREY INC COM 92936U109 1,981 23,902 SH   SOLE   0 0 23,902
ZIMMER BIOMET HOLDINGS INC COM 98956P102 219 2,083 SH   SOLE   0 0 2,083