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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 TR NATIONAL MUN ETF 464288414 6,174 53,092 SH   SOLE   0 0 53,092
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 280 2,609 SH   SOLE   0 0 2,609
ISHARES TR SHRT NAT MUN ETF 464288158 1,656 15,422 SH   SOLE   0 0 15,422
DISNEY WALT CO COM 254687106 213 1,377 SH   SOLE   0 0 1,377
VANGUARD INDEX FDS LARGE CAP ETF 922908637 355 1,608 SH   SOLE   0 0 1,608
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,440 184,873 SH   SOLE   0 0 184,873
AMAZON COM INC COM 023135106 1,094 328 SH   SOLE   0 0 328
APPLE INC COM 037833100 2,414 13,593 SH   SOLE   0 0 13,593
AT&T INC COM 00206R102 218 8,851 SH   SOLE   0 0 8,851
VANGUARD INDEX FDS GROWTH ETF 922908736 959 2,990 SH   SOLE   0 0 2,990
PROCTER AND GAMBLE CO COM 742718109 250 1,530 SH   SOLE   0 0 1,530
EDWARDS LIFESCIENCES CORP COM 28176E108 267 2,064 SH   SOLE   0 0 2,064
PHILIP MORRIS INTL INC COM 718172109 334 3,514 SH   SOLE   0 0 3,514
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,908 172,062 SH   SOLE   0 0 172,062
SPDR SER TR S&P 600 SMCP VAL 78464A300 5,474 64,613 SH   SOLE   0 0 64,613
JPMORGAN CHASE & CO COM 46625H100 216 1,365 SH   SOLE   0 0 1,365
SPDR SER TR S&P 600 SMCP GRW 78464A201 5,093 54,868 SH   SOLE   0 0 54,868
VANGUARD INDEX FDS VALUE ETF 922908744 895 6,081 SH   SOLE   0 0 6,081
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 306 4,993 SH   SOLE   0 0 4,993
SPDR SER TR S&P 400 MDCP VAL 78464A839 5,986 84,191 SH   SOLE   0 0 84,191
VANGUARD INDEX FDS MID CAP ETF 922908629 7,951 31,210 SH   SOLE   0 0 31,210
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,658 5,885 SH   SOLE   0 0 5,885
MARSH & MCLENNAN COS INC COM 571748102 534 3,070 SH   SOLE   0 0 3,070
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,485 33,120 SH   SOLE   0 0 33,120
CITIGROUP INC COM NEW 172967424 274 4,542 SH   SOLE   0 0 4,542
BATH & BODY WORKS INC COM 070830104 237 3,396 SH   SOLE   0 0 3,396
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,681 22,176 SH   SOLE   0 0 22,176
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 841 5,597 SH   SOLE   0 0 5,597
SPDR SER TR PORTFOLIO S&P400 78464A847 39,130 786,685 SH   SOLE   0 0 786,685
VERIZON COMMUNICATIONS INC COM 92343V104 246 4,729 SH   SOLE   0 0 4,729
MICROSOFT CORP COM 594918104 366 1,087 SH   SOLE   0 0 1,087
SPDR SER TR PORTFOLIO AGRGTE 78464A649 42,918 1,448,937 SH   SOLE   0 0 1,448,937
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,921 383,738 SH   SOLE   0 0 383,738
META PLATFORMS INC CL A 30303M102 214 635 SH   SOLE   0 0 635
SPDR SER TR PRTFLO S&P500 GW 78464A409 7,934 109,477 SH   SOLE   0 0 109,477
SPDR SER TR PORTFOLIO S&P600 78468R853 38,755 867,200 SH   SOLE   0 0 867,200
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 44,492 1,219,634 SH   SOLE   0 0 1,219,634
ISHARES TR EAFE VALUE ETF 464288877 6,945 137,820 SH   SOLE   0 0 137,820
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,247 45,433 SH   SOLE   0 0 45,433
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 366 6,019 SH   SOLE   0 0 6,019
ISHARES TR CORE S&P500 ETF 464287200 53,085 111,291 SH   SOLE   0 0 111,291
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,482 85,387 SH   SOLE   0 0 85,387
ISHARES TR EAFE GRWTH ETF 464288885 6,501 58,947 SH   SOLE   0 0 58,947
SPDR SER TR S&P 400 MDCP GRW 78464A821 5,542 67,976 SH   SOLE   0 0 67,976
UNITED PARCEL SERVICE INC CL B 911312106 3,068 14,315 SH   SOLE   0 0 14,315
SPDR SER TR PRTFLO S&P500 VL 78464A508 8,021 190,967 SH   SOLE   0 0 190,967
ARDELYX INC COM 039697107 12 11,000 SH   SOLE   0 0 11,000
WORTHINGTON INDS INC COM 981811102 243 4,447 SH   SOLE   0 0 4,447
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 24,035 435,741 SH   SOLE   0 0 435,741
PPG INDS INC COM 693506107 2,442 14,164 SH   SOLE   0 0 14,164
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,898 7,456 SH   SOLE   0 0 7,456
SPDR SER TR PORTFOLI S&P1500 78464A805 2,138 36,577 SH   SOLE   0 0 36,577
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,072 5,992 SH   SOLE   0 0 5,992