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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 661,464 5,091 SH   SOLE   5,091 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 587,219 1,901 SH   SOLE   1,353 0 548
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 2,423,491 55,142 SH   SOLE   55,142 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 1,456,170 65,153 SH   SOLE   53,665 0 11,488
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 1,328,019 53,614 SH   SOLE   51,146 0 2,468
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,893,184 62,276 SH   SOLE   62,276 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 308,421 13,732 SH   SOLE   13,599 0 133
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 758,320 14,825 SH   SOLE   14,825 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 767,957 36,310 SH   SOLE   31,099 0 5,211
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 BBG01BGVG000 316,112 6,309 SH   SOLE   6,309 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 3,359,781 100,352 SH   SOLE   100,352 0 0
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 865,444 8,026 SH   SOLE   4,851 0 3,175
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 430,194 2,008 SH   SOLE   2,008 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 361,534 2,384 SH   SOLE   2,384 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 285,430 1,180 SH   SOLE   1,180 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 756,509 1,969 SH   SOLE   1,969 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 263,575 2,500 SH   SOLE   2,500 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 286,206 1,620 SH   SOLE   1,620 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 868,018 3,294 SH   SOLE   3,294 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 435,839 1,817 SH   SOLE   1,817 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 511,311 3,374 SH   SOLE   3,374 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 216,393 3,412 SH   SOLE   3,412 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 425,113 22,038 SH   SOLE   21,794 0 244
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 729,793 30,832 SH   SOLE   30,585 0 247
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,622,772 24,580 SH   SOLE   24,484 0 96
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 743,059 13,374 SH   SOLE   13,374 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,189,064 36,916 SH   SOLE   36,916 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 446,744 11,028 SH   SOLE   10,882 0 146
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 304,925 4,221 SH   SOLE   4,082 0 139
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 700,002 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 776,415 10,461 SH   SOLE   10,258 0 203
STOCK YDS BANCORP INC COM 861025104 BBG001SBG219 1,017,137 15,653 SH   SOLE   15,653 0 0
SUMMIT FINL GROUP INC COM 86606G101 BBG001SDPJC6 258,740 10,395 SH   SOLE   10,395 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 46,720,011 620,617 SH   SOLE   607,595 0 13,022
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 2,748,663 57,952 SH   SOLE   46,449 0 11,503
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,173,532 7,390 SH   SOLE   7,390 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 207,326 1,477 SH   SOLE   1,226 0 251
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 269,297 3,265 SH   SOLE   3,265 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 241,722 688 SH   SOLE   688 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 35,385,009 166,041 SH   SOLE   164,856 0 1,185
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 20,007,695 99,769 SH   SOLE   98,912 0 857
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 872,724 20,794 SH   SOLE   20,794 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 294,903 7,485 SH   SOLE   7,485 0 0