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
ABBOTT LABS COM 002824100 983 9,049 SH   SOLE   0 0 9,049
ABBVIE INC COM 00287Y109 1,014 6,622 SH   SOLE   0 0 6,622
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 546 1,965 SH   SOLE   0 0 1,965
AFLAC INC COM 001055102 203 3,665 SH   SOLE   0 0 3,665
AGILON HEALTH INC COM 00857U107 461 21,120 SH   SOLE   0 0 21,120
AIR PRODS & CHEMS INC COM 009158106 294 1,224 SH   SOLE   0 0 1,224
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 258 2,271 SH   SOLE   0 0 2,271
ALMADEN MINERALS LTD COM CL B 020283305 7 31,000 SH   SOLE   0 0 31,000
ALPHABET INC CAP STK CL A 02079K305 455 209 SH   SOLE   0 0 209
ALPHABET INC CAP STK CL C 02079K107 335 153 SH   SOLE   0 0 153
AMAZON COM INC COM 023135106 763 7,180 SH   SOLE   0 0 7,180
AMERICAN ELEC PWR CO INC COM 025537101 309 3,221 SH   SOLE   0 0 3,221
AMERICAN EXPRESS CO COM 025816109 295 2,129 SH   SOLE   0 0 2,129
AMGEN INC COM 031162100 304 1,251 SH   SOLE   0 0 1,251
APPLE INC COM 037833100 3,425 25,052 SH   SOLE   0 0 25,052
AT&T INC COM 00206R102 216 10,300 SH   SOLE   0 0 10,300
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,345 4,925 SH   SOLE   0 0 4,925
BK OF AMERICA CORP COM 060505104 364 11,679 SH   SOLE   0 0 11,679
BRISTOL-MYERS SQUIBB CO COM 110122108 249 3,234 SH   SOLE   0 0 3,234
BROADCOM INC COM 11135F101 229 472 SH   SOLE   0 0 472
CHEVRON CORP NEW COM 166764100 544 3,759 SH   SOLE   0 0 3,759
CHUBB LIMITED COM H1467J104 281 1,428 SH   SOLE   0 0 1,428
CISCO SYS INC COM 17275R102 304 7,127 SH   SOLE   0 0 7,127
COCA COLA CO COM 191216100 541 8,595 SH   SOLE   0 0 8,595
COMCAST CORP NEW CL A 20030N101 386 9,826 SH   SOLE   0 0 9,826
CONOCOPHILLIPS COM 20825C104 218 2,429 SH   SOLE   0 0 2,429
COSTCO WHSL CORP NEW COM 22160K105 263 548 SH   SOLE   0 0 548
CVS HEALTH CORP COM 126650100 413 4,462 SH   SOLE   0 0 4,462
DANAHER CORPORATION COM 235851102 407 1,607 SH   SOLE   0 0 1,607
DISNEY WALT CO COM 254687106 373 3,949 SH   SOLE   0 0 3,949
DUKE ENERGY CORP NEW COM NEW 26441C204 250 2,333 SH   SOLE   0 0 2,333
ELEVANCE HEALTH INC COM 036752103 282 584 SH   SOLE   0 0 584
EMERSON ELEC CO COM 291011104 394 4,957 SH   SOLE   0 0 4,957
EXXON MOBIL CORP COM 30231G102 494 5,767 SH   SOLE   0 0 5,767
FORD MTR CO DEL COM 345370860 206 18,548 SH   SOLE   0 0 18,548
GENERAL MLS INC COM 370334104 300 3,982 SH   SOLE   0 0 3,982
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,156 11,581 SH   SOLE   0 0 11,581
HOME DEPOT INC COM 437076102 289 1,054 SH   SOLE   0 0 1,054
HONEYWELL INTL INC COM 438516106 252 1,451 SH   SOLE   0 0 1,451
HUNTINGTON BANCSHARES INC COM 446150104 341 28,385 SH   SOLE   0 0 28,385
ILLINOIS TOOL WKS INC COM 452308109 331 1,817 SH   SOLE   0 0 1,817
INTEL CORP COM 458140100 270 7,229 SH   SOLE   0 0 7,229
INTERNATIONAL BUSINESS MACHS COM 459200101 404 2,863 SH   SOLE   0 0 2,863
ISHARES GOLD TR ISHARES NEW 464285204 887 25,857 SH   SOLE   0 0 25,857
ISHARES INC CORE MSCI EMKT 46434G103 105,565 2,151,753 SH   SOLE   0 0 2,151,753
ISHARES TR CORE MSCI INTL 46435G326 219 4,076 SH   SOLE   0 0 4,076
ISHARES TR CORE S&P TTL STK 464287150 1,410 16,835 SH   SOLE   0 0 16,835
ISHARES TR RUS 1000 VAL ETF 464287598 422 2,911 SH   SOLE   0 0 2,911
ISHARES TR CORE S&P SCP ETF 464287804 241 2,606 SH   SOLE   0 0 2,606
ISHARES TR JPMORGAN USD EMG 464288281 81,167 951,330 SH   SOLE   0 0 951,330
ISHARES TR TIPS BD ETF 464287176 267 2,342 SH   SOLE   0 0 2,342
ISHARES TR S&P MC 400VL ETF 464287705 119,414 1,264,848 SH   SOLE   0 0 1,264,848
ISHARES TR CORE MSCI EAFE 46432F842 220 3,744 SH   SOLE   0 0 3,744
ISHARES TR RUS 1000 ETF 464287622 7,295 35,113 SH   SOLE   0 0 35,113
ISHARES TR CORE S&P MCP ETF 464287507 1,323 5,847 SH   SOLE   0 0 5,847
ISHARES TR CORE S&P500 ETF 464287200 814 2,146 SH   SOLE   0 0 2,146
JOHNSON & JOHNSON COM 478160104 645 3,636 SH   SOLE   0 0 3,636
JPMORGAN CHASE & CO COM 46625H100 571 5,073 SH   SOLE   0 0 5,073
LANCASTER COLONY CORP COM 513847103 1,782 13,835 SH   SOLE   0 0 13,835
LILLY ELI & CO COM 532457108 328 1,011 SH   SOLE   0 0 1,011
LOWES COS INC COM 548661107 229 1,313 SH   SOLE   0 0 1,313
MASTERCARD INCORPORATED CL A 57636Q104 847 2,684 SH   SOLE   0 0 2,684
MCDONALDS CORP COM 580135101 531 2,152 SH   SOLE   0 0 2,152
MERCK & CO INC COM 58933Y105 523 5,734 SH   SOLE   0 0 5,734
META PLATFORMS INC CL A 30303M102 223 1,381 SH   SOLE   0 0 1,381
METLIFE INC COM 59156R108 234 3,719 SH   SOLE   0 0 3,719
MICROSOFT CORP COM 594918104 1,990 7,747 SH   SOLE   0 0 7,747
MORGAN STANLEY COM NEW 617446448 394 5,174 SH   SOLE   0 0 5,174
NEXTERA ENERGY INC COM 65339F101 454 5,860 SH   SOLE   0 0 5,860
NORFOLK SOUTHN CORP COM 655844108 212 934 SH   SOLE   0 0 934
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 745 22,328 SH   SOLE   0 0 22,328
NVIDIA CORPORATION COM 67066G104 335 2,209 SH   SOLE   0 0 2,209
ORACLE CORP COM 68389X105 437 6,257 SH   SOLE   0 0 6,257
PACCAR INC COM 693718108 225 2,735 SH   SOLE   0 0 2,735
PARKER-HANNIFIN CORP COM 701094104 292 1,185 SH   SOLE   0 0 1,185
PEPSICO INC COM 713448108 562 3,371 SH   SOLE   0 0 3,371
PFIZER INC COM 717081103 317 6,051 SH   SOLE   0 0 6,051
PROCTER AND GAMBLE CO COM 742718109 410 2,851 SH   SOLE   0 0 2,851
PRUDENTIAL FINL INC COM 744320102 331 3,463 SH   SOLE   0 0 3,463
RAYTHEON TECHNOLOGIES CORP COM 75513E101 392 4,084 SH   SOLE   0 0 4,084
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 78,558 1,597,031 SH   SOLE   0 0 1,597,031
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,353 42,161 SH   SOLE   0 0 42,161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 61,010 2,403,849 SH   SOLE   0 0 2,403,849
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 314 5,408 SH   SOLE   0 0 5,408
SELECT SECTOR SPDR TR ENERGY 81369Y506 185,558 2,594,859 SH   SOLE   0 0 2,594,859
SIRIUS XM HOLDINGS INC COM 82968B103 81 13,153 SH   SOLE   0 0 13,153
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,790 4,745 SH   SOLE   0 0 4,745
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 369 891 SH   SOLE   0 0 891
SPDR SER TR S&P 600 SMCP VAL 78464A300 71,754 990,939 SH   SOLE   0 0 990,939
SPDR SER TR PORTFOLIO SHORT 78464A474 6,247 210,133 SH   SOLE   0 0 210,133
SPDR SER TR PRTFLO S&P500 VL 78464A508 544,878 14,798,424 SH   SOLE   0 0 14,798,424
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 361 4,421 SH   SOLE   0 0 4,421
TESLA INC COM 88160R101 371 551 SH   SOLE   0 0 551
TEXAS INSTRS INC COM 882508104 230 1,496 SH   SOLE   0 0 1,496
THERATECHNOLOGIES INC COM 88338H100 400 176,291 SH   SOLE   0 0 176,291
TRUIST FINL CORP COM 89832Q109 313 6,602 SH   SOLE   0 0 6,602
UNION PAC CORP COM 907818108 241 1,129 SH   SOLE   0 0 1,129
UNITEDHEALTH GROUP INC COM 91324P102 262 510 SH   SOLE   0 0 510
US BANCORP DEL COM NEW 902973304 240 5,213 SH   SOLE   0 0 5,213
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,024 41,507 SH   SOLE   0 0 41,507
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,752 13,186 SH   SOLE   0 0 13,186
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 679 1,959 SH   SOLE   0 0 1,959
VANGUARD INDEX FDS SM CP VAL ETF 922908611 257 1,713 SH   SOLE   0 0 1,713
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 566 13,593 SH   SOLE   0 0 13,593
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 85,069 1,115,511 SH   SOLE   0 0 1,115,511
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,771 120,709 SH   SOLE   0 0 120,709
VERIZON COMMUNICATIONS INC COM 92343V104 345 6,791 SH   SOLE   0 0 6,791
VISA INC COM CL A 92826C839 450 2,287 SH   SOLE   0 0 2,287
WALMART INC COM 931142103 279 2,294 SH   SOLE   0 0 2,294
WISDOMTREE TR US QTLY DIV GRT 97717X669 181,125 3,160,451 SH   SOLE   0 0 3,160,451
WISDOMTREE TR JAPN HEDGE EQT 97717W851 568 9,104 SH   SOLE   0 0 9,104