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 2024 Corp COM 46434VBG4 9,879 374,626 SH   SOLE 42,694 0 331,932
iBonds Dec 2023 Corp COM 46434VAX8 9,351 358,637 SH   SOLE 42,154 0 316,483
iShares MSCI USA Min Vol COM 46429B697 23,584 320,386 SH   SOLE 69,921 0 250,465
iBonds Dec 2022 Corp COM 46434VBA7 7,112 279,989 SH   SOLE 32,460 0 247,529
iShares Core Dividend Growth COM 46434V621 12,481 247,839 SH   SOLE 53,572 0 194,267
SPDR Floating Rate COM 78468R200 7,013 228,824 SH   SOLE 25,527 0 203,297
iShares MSCI USA Quality COM 46432F339 21,511 161,896 SH   SOLE 35,083 0 126,813
Vanguard FTSE All-World ex-US COM 922042775 8,951 141,203 SH   SOLE 22,667 0 118,536
Vanguard Mortgage-Backed COM 92206C771 7,040 131,914 SH   SOLE 15,720 0 116,194
SPDR Portfolio Total Stock Market COM 78464A805 5,921 111,781 SH   SOLE 23,656 0 88,125
iShares ESG MSCI EAFE COM 46435G516 8,374 105,961 SH   SOLE 15,716 0 90,245
Vanguard Value COM 922908744 13,075 95,121 SH   SOLE 21,458 0 73,663
WisdomTree Emerging Mkts ex SOE COM 97717X578 3,857 91,677 SH   SOLE 13,440 0 78,237
Invesco FTSE RAFI US 1000 COM 46137V613 14,004 87,345 SH   SOLE 19,032 0 68,313
Vanguard Short-Term Corp. Bond COM 92206C409 6,339 76,645 SH   SOLE 8,346 0 68,299
iShares MSCI USA Momentum COM 46432F396 11,466 66,114 SH   SOLE 14,432 0 51,682
VanEck Floating Rate COM 92189F486 1,350 53,201 SH   SOLE 7,800 0 45,401
Vanguard Mid-Cap COM 922908629 12,011 50,606 SH   SOLE 7,344 0 43,262
iShares Core High Dividend COM 46429B663 4,563 47,274 SH   SOLE 10,413 0 36,861
Vanguard Small-Cap ETF COM 922908751 8,757 38,870 SH   SOLE 5,651 0 33,219
Vanguard Growth COM 922908736 6,859 23,913 SH   SOLE 5,156 0 18,757
Cincinnati Financial COM 172062101 2,747 23,557 SH   SOLE 0 0 23,557
CSX Corporation COM 126408103 542 16,890 SH   SOLE 0 0 16,890
Bandwidth Inc. COM 05988J103 2,139 15,511 SH   SOLE 0 0 15,511
iShares MSCI International Quality COM 46434V456 557 14,446 SH   SOLE 458 0 13,988
iShares MSCI Intl Momentum COM 46434V449 551 14,239 SH   SOLE 335 0 13,904
Goldman Sachs ActiveBeta Intl Equity COM 381430107 358 10,260 SH   SOLE 247 0 10,013
Apple Inc. COM 037833100 1,401 10,230 SH   SOLE 3,718 0 6,512
Microsoft COM 594918104 1,234 4,556 SH   SOLE 1,136 0 3,420
Berkshire Hathaway Cl B COM 084670702 1,214 4,368 SH   SOLE 1,042 0 3,326
Vanguard U.S. Momentum COM 921935508 562 4,276 SH   SOLE 60 0 4,216
GameStop Corp COM 36467W109 513 2,400 SH   SOLE 0 0 2,400
iShares S&P 100 Index COM 464287101 416 2,120 SH   SOLE 1,710 0 410
Procter & Gamble COM 742718109 280 2,071 SH   SOLE 1,350 0 721
Amazon.com COM 023135106 2,154 626 SH   SOLE 155 0 471
Alphabet Inc Cl C COM 02079K107 1,436 573 SH   SOLE 138 0 435