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
iBonds Dec 2020 Corp COM 46434VAQ3 9,248 366,528 SH   SOLE 42,818 0 323,710
SPDR Floating Rate Bond COM 78468R200 10,571 345,695 SH   SOLE 34,076 0 311,619
iShares Core Dividend Growth COM 46434V621 9,502 238,812 SH   SOLE 52,901 0 185,911
SPDR Portfolio Total Stock Market COM 78464A805 8,964 219,226 SH   SOLE 47,077 0 172,149
iShares MSCI USA Min Vol COM 46429B697 11,684 183,341 SH   SOLE 41,166 0 142,175
iShares MSCI USA Quality COM 46432F339 17,276 166,530 SH   SOLE 37,029 0 129,501
iShares Floating Rate Bond COM 46429B655 7,311 144,150 SH   SOLE 13,618 0 130,532
Vanguard FTSE All-World ex-US COM 922042775 7,200 142,717 SH   SOLE 21,868 0 120,849
SPDR Gold MiniShares COM 98149E204 2,152 114,494 SH   SOLE 24,038 0 90,456
iShares ESG MSCI EAFE COM 46435G516 6,420 101,142 SH   SOLE 14,379 0 86,763
Vanguard Value COM 922908744 10,398 99,491 SH   SOLE 22,278 0 77,213
iBonds Dec 2021 Corp COM 46434VBK5 2,451 97,829 SH   SOLE 8,213 0 89,616
WisdomTree Bloomberg Floating Rate Treasury COM 97717X628 2,330 92,780 SH   SOLE 11,249 0 81,531
Vanguard Growth COM 922908736 19,542 85,857 SH   SOLE 20,096 0 65,761
iBonds Dec 2022 Corp COM 46434VBA7 2,062 80,468 SH   SOLE 2,200 0 78,268
Vanguard Mortgage-Backed Securities COM 92206C771 4,158 76,621 SH   SOLE 7,270 0 69,351
Vanguard Mid-Cap COM 922908629 9,247 52,463 SH   SOLE 7,222 0 45,241
Vanguard Small-Cap ETF COM 922908751 6,994 45,475 SH   SOLE 6,197 0 39,278
iShares MSCI USA Momentum COM 46432F396 6,641 45,057 SH   SOLE 9,452 0 35,605
Vanguard Short-Term Corporate Bond COM 92206C409 3,604 43,499 SH   SOLE 4,477 0 39,022
iShares MSCI Min Vol Global COM 464286525 3,339 36,333 SH   SOLE 4,767 0 31,566
Cincinnati Financial COM 172062101 1,837 23,557 SH   SOLE 0 0 23,557
Bandwidth Inc. COM 05988J103 3,257 18,656 SH   SOLE 0 0 18,656
iShares MSCI International Quality COM 46434V456 504 16,084 SH   SOLE 789 0 15,295
American Financial Group Inc. COM 025932104 993 14,832 SH   SOLE 3,502 0 11,330
iShares MSCI International Momentum COM 46434V449 405 11,906 SH   SOLE 605 0 11,301
Raytheon Technologies COM 75513E101 682 11,856 SH   SOLE 3,098 0 8,758
Goldman Sachs ActiveBeta International Equity COM 381430107 254 9,024 SH   SOLE 247 0 8,777
Apple Inc. COM 037833100 776 6,697 SH   SOLE 3,193 0 3,504
CSX Corporation COM 126408103 450 5,798 SH   SOLE 0 0 5,798
Microsoft COM 594918104 701 3,331 SH   SOLE 899 0 2,432
iShares S&P 100 Index COM 464287101 366 2,350 SH   SOLE 1,750 0 600
Procter & Gamble COM 742718109 271 1,947 SH   SOLE 1,350 0 597
Invesco FTSE RAFI US 1000 COM 46137V613 211 1,853 SH   SOLE 0 0 1,853
Amazon.com COM 023135106 642 204 SH   SOLE 59 0 145