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
iShares MSCI USA Min Vol COM 46429B697 32,736 404,653 SH   SOLE 86,086 0 318,567
iBonds Dec 2023 Corp COM 46434VAX8 10,230 398,503 SH   SOLE 48,807 0 349,696
iBonds Dec 2024 Corp COM 46434VBG4 10,060 387,967 SH   SOLE 48,388 0 339,579
VanEck Floating Rate COM 92189F486 7,828 309,779 SH   SOLE 36,271 0 273,508
iBonds Dec 2022 Corp COM 46434VBA7 7,171 285,258 SH   SOLE 35,630 0 249,628
SPDR Floating Rate COM 78468R200 8,171 267,114 SH   SOLE 30,905 0 236,209
iShares MSCI USA Quality COM 46432F339 23,401 160,763 SH   SOLE 34,635 0 126,128
iShares Core Dividend Growth COM 46434V621 7,126 128,216 SH   SOLE 26,844 0 101,372
SPDR Portfolio Total Stock Market COM 78464A805 6,555 112,145 SH   SOLE 22,882 0 89,263
iShares ESG MSCI EAFE COM 46435G516 8,299 104,443 SH   SOLE 15,383 0 89,060
Vanguard Value COM 922908744 13,415 91,193 SH   SOLE 18,870 0 72,323
Invesco FTSE RAFI US 1000 COM 46137V613 14,611 85,093 SH   SOLE 18,620 0 66,473
Goldman Sachs ActiveBeta Intl Equity COM 381430107 2,248 63,751 SH   SOLE 9,435 0 54,316
iShares MSCI USA Momentum COM 46432F396 9,175 50,461 SH   SOLE 10,774 0 39,687
Vanguard Mid-Cap COM 922908629 10,653 41,816 SH   SOLE 5,928 0 35,888
Vanguard FTSE All-World ex-US COM 922042775 2,368 38,636 SH   SOLE 7,725 0 30,911
Vanguard Small-Cap ETF COM 922908751 8,602 38,061 SH   SOLE 5,511 0 32,550
iShares MSCI EAFE Min Vol COM 46429B689 2,843 37,030 SH   SOLE 4,630 0 32,400
Cincinnati Financial COM 172062101 2,932 25,731 SH   SOLE 0 0 25,731
Vanguard Growth COM 922908736 7,769 24,211 SH   SOLE 5,275 0 18,936
CSX Corporation COM 126408103 635 16,890 SH   SOLE 0 0 16,890
Apple Inc. COM 037833100 2,500 14,081 SH   SOLE 3,652 0 10,429
iShares MSCI International Quality COM 46434V456 551 14,000 SH   SOLE 336 0 13,664
iShares MSCI Intl Momentum COM 46434V449 497 13,065 SH   SOLE 335 0 12,730
Bandwidth Inc. COM 05988J103 912 12,711 SH   SOLE 0 0 12,711
iBonds Dec 2025 Corp COM 46434VBD1 222 8,419 SH   SOLE 3,160 0 5,259
Intel Corp COM 458140100 345 6,690 SH   SOLE 0 0 6,690
Microsoft COM 594918104 1,914 5,692 SH   SOLE 1,062 0 4,630
Berkshire Hathaway Cl B COM 084670702 1,605 5,367 SH   SOLE 1,027 0 4,340
Procter & Gamble COM 742718109 780 4,770 SH   SOLE 1,170 0 3,600
Vanguard U.S. Momentum COM 921935508 453 3,404 SH   SOLE 67 0 3,337
Union Pacific COM 907818108 792 3,142 SH   SOLE 20,072 0 152,308
Pepsico COM 713448108 534 3,076 SH   SOLE 0 0 3,076
Nike Inc. COM 654106103 400 2,400 SH   SOLE 20,072 0 152,308
iShares S&P 100 Index COM 464287101 447 2,042 SH   SOLE 1,632 0 410
McDonalds COM 580135101 295 1,100 SH   SOLE 0 0 1,100
Invesco QQQ Trust COM 46090E103 339 853 SH   SOLE 0 0 853
Costco Wholesale COM 22160K105 434 765 SH   SOLE 0 0 765
Alphabet Inc Cl C COM 02079K107 1,389 480 SH   SOLE 126 0 354
Amazon.com COM 023135106 1,124 337 SH   SOLE 86 0 251