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
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 10,992 216,675 SH   SOLE   0 0 216,675
ISHARES TR CORE S&P MCP ETF 464287507 10,618 59,713 SH   SOLE   0 0 59,713
APPLE INC COM 037833100 7,940 21,764 SH   SOLE   0 0 21,764
MICROSOFT CORP COM 594918104 6,843 33,625 SH   SOLE   0 0 33,625
ALPHABET INC CAP STK CL A 02079K305 4,698 3,313 SH   SOLE   0 0 3,313
THERMO FISHER SCIENTIFIC INC COM 883556102 3,903 10,771 SH   SOLE   0 0 10,771
HOME DEPOT INC COM 437076102 3,658 14,604 SH   SOLE   0 0 14,604
PAYPAL HLDGS INC COM 70450Y103 3,634 20,857 SH   SOLE   0 0 20,857
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,619 49,260 SH   SOLE   0 0 49,260
JPMORGAN CHASE & CO COM 46625H100 3,608 38,359 SH   SOLE   0 0 38,359
VERIZON COMMUNICATIONS INC COM 92343V104 3,347 60,717 SH   SOLE   0 0 60,717
PROCTER AND GAMBLE CO COM 742718109 3,342 27,947 SH   SOLE   0 0 27,947
INTEL CORP COM 458140100 3,179 53,132 SH   SOLE   0 0 53,132
CVS HEALTH CORP COM 126650100 3,051 46,963 SH   SOLE   0 0 46,963
COMCAST CORP NEW CL A 20030N101 2,958 75,880 SH   SOLE   0 0 75,880
QUALCOMM INC COM 747525103 2,944 32,281 SH   SOLE   0 0 32,281
TARGET CORP COM 87612E106 2,835 23,639 SH   SOLE   0 0 23,639
WALMART INC COM 931142103 2,679 22,364 SH   SOLE   0 0 22,364
ABBOTT LABS COM 002824100 2,450 26,792 SH   SOLE   0 0 26,792
MERCK & CO. INC COM 58933Y105 2,416 31,239 SH   SOLE   0 0 31,239
CROWN CASTLE INTL CORP NEW COM 22822V101 2,377 14,206 SH   SOLE   0 0 14,206
UNITED PARCEL SERVICE INC CL B 911312106 2,284 20,543 SH   SOLE   0 0 20,543
ADVANCE AUTO PARTS INC COM 00751Y106 2,227 15,635 SH   SOLE   0 0 15,635
WILLIAMS COS INC COM 969457100 2,225 116,962 SH   SOLE   0 0 116,962
ILLINOIS TOOL WKS INC COM 452308109 2,160 12,351 SH   SOLE   0 0 12,351
ABBVIE INC COM 00287Y109 2,144 21,839 SH   SOLE   0 0 21,839
BROADCOM INC COM 11135F101 2,142 6,788 SH   SOLE   0 0 6,788
JOHNSON & JOHNSON COM 478160104 2,124 15,100 SH   SOLE   0 0 15,100
TRANE TECHNOLOGIES PLC SHS G8994E103 2,050 23,035 SH   SOLE   0 0 23,035
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,043 11,443 SH   SOLE   0 0 11,443
DISNEY WALT CO COM DISNEY 254687106 1,927 17,282 SH   SOLE   0 0 17,282
NORTHROP GRUMMAN CORP COM 666807102 1,907 6,204 SH   SOLE   0 0 6,204
DIAGEO P L C SPON ADR NEW 25243Q205 1,891 14,074 SH   SOLE   0 0 14,074
MONDELEZ INTL INC CL A 609207105 1,876 36,692 SH   SOLE   0 0 36,692
SYNCHRONY FINANCIAL COM 87165B103 1,777 80,169 SH   SOLE   0 0 80,169
AT&T INC COM 00206R102 1,704 56,373 SH   SOLE   0 0 56,373
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,686 57,026 SH   SOLE   0 0 57,026
CITIZENS FINANCIAL GROUP INC COM 174610105 1,666 65,989 SH   SOLE   0 0 65,989
DOW INC COM 260557103 1,559 38,259 SH   SOLE   0 0 38,259
SYSCO CORP COM 871829107 1,555 28,442 SH   SOLE   0 0 28,442
DOMINION ENERGY INC COM 25746U109 1,495 18,422 SH   SOLE   0 0 18,422
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,486 24,121 SH   SOLE   0 0 24,121
WP CAREY INC COM 92936U109 1,463 21,625 SH   SOLE   0 0 21,625
TYSON FOODS INC CL A 902494103 1,370 22,947 SH   SOLE   0 0 22,947
BOEING CO COM 097023105 1,212 6,610 SH   SOLE   0 0 6,610
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,200 36,719 SH   SOLE   0 0 36,719
ALPHABET INC CAP STK CL C 02079K107 1,178 833 SH   SOLE   0 0 833
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,117 5,201 SH   SOLE   0 0 5,201
INVESCO LTD SHS G491BT108 1,014 94,216 SH   SOLE   0 0 94,216
ISHARES TR CORE S&P500 ETF 464287200 898 2,901 SH   SOLE   0 0 2,901
AMERICAN FINL GROUP INC OHIO COM 025932104 804 12,662 SH   SOLE   0 0 12,662
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 682 2,406 SH   SOLE   0 0 2,406
AMAZON COM INC COM 023135106 662 240 SH   SOLE   0 0 240
SPDR S&P 500 ETF TR TR UNIT 78462F103 640 2,077 SH   SOLE   0 0 2,077
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 595 20,002 SH   SOLE   0 0 20,002
CORTEVA INC COM 22052L104 362 13,517 SH   SOLE   0 0 13,517
ZIMMER BIOMET HOLDINGS INC COM 98956P102 350 2,933 SH   SOLE   0 0 2,933
NORFOLK SOUTHERN CORP COM 655844108 335 1,910 SH   SOLE   0 0 1,910
CINCINNATI FINL CORP COM 172062101 323 5,040 SH   SOLE   0 0 5,040
PEPSICO INC COM 713448108 303 2,289 SH   SOLE   0 0 2,289
ISHARES TR MSCI EAFE ETF 464287465 291 4,775 SH   SOLE   0 0 4,775
CHEVRON CORP NEW COM 166764100 283 3,166 SH   SOLE   0 0 3,166
CISCO SYS INC COM 17275R102 271 5,808 SH   SOLE   0 0 5,808
NETFLIX INC COM 64110L106 253 555 SH   SOLE   0 0 555
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 253 3,227 SH   SOLE   0 0 3,227
INTUIT COM 461202103 237 800 SH   SOLE   0 0 800
LOWES COS INC COM 548661107 235 1,742 SH   SOLE   0 0 1,742
WASTE MGMT INC DEL COM 94106L109 233 2,200 SH   SOLE   0 0 2,200
ALLEGHENY TECHNOLOGIES INC COM 01741R102 232 22,750 SH   SOLE   0 0 22,750
MDU RES GROUP INC COM 552690109 222 10,000 SH   SOLE   0 0 10,000
ISHARES TR SH TR CRPORT ETF 464288646 219 4,003 SH   SOLE   0 0 4,003
AFLAC INC COM 001055102 218 6,056 SH   SOLE   0 0 6,056
V F CORP COM 918204108 209 3,435 SH   SOLE   0 0 3,435
PFIZER INC COM 717081103 208 6,350 SH   SOLE   0 0 6,350
GENERAL ELECTRIC CO COM 369604103 76 11,146 SH   SOLE   0 0 11,146
INNERWORKINGS INC COM 45773Y105 19 14,650 SH   SOLE   0 0 14,650