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 2023 Corp COM 46434VAX8 9,976 399,833 SH   SOLE 45,990 0 353,843
iBonds Dec 2024 Corp COM 46434VBG4 9,606 394,512 SH   SOLE 40,827 0 353,685
SPDR Floating Rate COM 78468R200 11,016 363,558 SH   SOLE 36,667 0 326,891
iShares MSCI USA Min Vol COM 46429B697 20,622 311,979 SH   SOLE 63,288 0 248,691
SPDR Portfolio Total Stock Market COM 78464A805 10,176 230,705 SH   SOLE 47,234 0 183,471
iShares Floating Rate Bond COM 46429B655 11,107 220,937 SH   SOLE 22,166 0 198,771
iShares Treasury Floating Rate COM 46434V860 10,167 201,321 SH   SOLE 17,276 0 184,045
iShares MSCI USA Quality COM 46432F339 15,299 147,194 SH   SOLE 30,483 0 116,711
iShares Core Dividend Growth COM 46434V621 5,717 128,567 SH   SOLE 25,577 0 102,990
iBonds Dec 2023 Treasury COM 46436E882 2,962 119,577 SH   SOLE 0 0 119,577
Goldman Sachs ActiveBeta US COM 381430503 8,366 117,792 SH   SOLE 19,353 0 98,439
iShares MSCI USA Momentum COM 46432F396 11,410 86,986 SH   SOLE 17,532 0 69,454
Vanguard FTSE Developed Markets COM 921943858 3,122 85,874 SH   SOLE 10,596 0 75,278
Vanguard Value COM 922908744 10,520 85,197 SH   SOLE 17,109 0 68,088
Invesco FTSE RAFI US 1000 COM 46137V613 11,537 83,139 SH   SOLE 17,115 0 66,024
Vanguard FTSE All-World ex-US COM 922042775 3,547 79,957 SH   SOLE 11,398 0 68,559
iBonds Dec 2024 Treasury COM 46436E874 1,227 51,223 SH   SOLE 0 0 51,223
iShares MSCI EAFE Min Vol COM 46429B689 2,369 41,548 SH   SOLE 4,205 0 37,343
iShares iBonds Dec 2022 Treasury COM 46436E809 1,041 41,000 SH   SOLE 0 0 41,000
Vanguard U.S. Value Factor COM 921935805 3,199 36,839 SH   SOLE 6,619 0 30,220
Vanguard Mid-Cap Value COM 922908512 4,304 35,344 SH   SOLE 4,944 0 30,400
iBonds Dec 2023 Muni COM 46435G318 688 27,251 SH   SOLE 0 0 27,251
Vanguard Growth COM 922908736 5,615 26,242 SH   SOLE 5,220 0 21,022
iBonds Dec 2024 Muni COM 46435U697 669 26,236 SH   SOLE 0 0 26,236
Cincinnati Financial COM 172062101 2,305 25,731 SH   SOLE 0 0 25,731
Vanguard Small Cap Value COM 922908611 3,602 25,116 SH   SOLE 3,347 0 21,769
Vanguard Mid-Cap COM 922908629 4,718 25,097 SH   SOLE 3,338 0 21,759
Vanguard Small-Cap ETF COM 922908751 3,557 20,812 SH   SOLE 2,752 0 18,060
iBonds Dec 2022 Corp COM 46434VBA7 457 18,248 SH   SOLE 459 0 17,789
CSX Corporation COM 126408103 450 16,890 SH   SOLE 0 0 16,890
Apple Inc. COM 037833100 1,807 13,078 SH   SOLE 3,517 0 9,561
Bandwidth Inc. COM 05988J103 151 12,711 SH   SOLE 0 0 12,711
Alphabet Inc Cl C COM 02079K107 938 9,756 SH   SOLE 2,420 0 7,336
iShares ESG MSCI EAFE COM 46435G516 518 9,226 SH   SOLE 219 0 9,007
Amazon.com COM 023135106 764 6,763 SH   SOLE 1,540 0 5,223
Microsoft COM 594918104 1,293 5,551 SH   SOLE 910 0 4,641
Berkshire Hathaway Cl B COM 084670702 1,411 5,283 SH   SOLE 967 0 4,316
Procter & Gamble COM 742718109 590 4,670 SH   SOLE 1,170 0 3,500
Vanguard U.S. Momentum COM 921935508 368 3,477 SH   SOLE 67 0 3,410
Union Pacific COM 907818108 612 3,142 SH   SOLE 0 0 3,142
Pepsico COM 713448108 502 3,076 SH   SOLE 0 0 3,076
iShares Core S&P Small-Cap COM 464287804 201 2,300 SH   SOLE 0 0 2,300
SPDR SSGA US Low Vol COM 78468R804 246 1,993 SH   SOLE 700 0 1,293
Blackrock, Inc. COM 09247X101 844 1,533 SH   SOLE 344 0 1,189
McDonalds COM 580135101 254 1,100 SH   SOLE 0 0 1,100
Costco Wholesale COM 22160K105 342 725 SH   SOLE 0 0 725