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
3M CO COM 88579Y101 289 2,618 SH   SOLE   0 0 2,618
ABBOTT LABS COM 002824100 12,344 127,573 SH   SOLE   0 0 127,573
ABBVIE INC COM 00287Y109 16,496 122,910 SH   SOLE   0 0 122,910
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 401 1,557 SH   SOLE   0 0 1,557
ADOBE SYSTEMS INCORPORATED COM 00724F101 565 2,053 SH   SOLE   0 0 2,053
AGILON HEALTH INC COM 00857U107 800 34,149 SH   SOLE   0 0 34,149
AIRBNB INC COM CL A 009066101 317 3,020 SH   SOLE   0 0 3,020
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 340 4,255 SH   SOLE   0 0 4,255
ALPHABET INC CAP STK CL A 02079K305 1,753 18,329 SH   SOLE   0 0 18,329
ALPHABET INC CAP STK CL C 02079K107 1,657 17,234 SH   SOLE   0 0 17,234
ALTRIA GROUP INC COM 02209S103 291 7,208 SH   SOLE   0 0 7,208
AMAZON COM INC COM 023135106 2,335 20,660 SH   SOLE   0 0 20,660
AMBEV SA SPONSORED ADR 02319V103 34 11,893 SH   SOLE   0 0 11,893
AMERICAN ELEC PWR CO INC COM 025537101 654 7,563 SH   SOLE   0 0 7,563
AMERICAN EXPRESS CO COM 025816109 219 1,624 SH   SOLE   0 0 1,624
AMERICAN TOWER CORP NEW COM 03027X100 305 1,419 SH   SOLE   0 0 1,419
AMGEN INC COM 031162100 282 1,253 SH   SOLE   0 0 1,253
APPLE INC COM 037833100 17,590 127,276 SH   SOLE   0 0 127,276
APTOSE BIOSCIENCES INC COM NEW 03835T200 6 10,000 SH   SOLE   0 0 10,000
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 97 19,490 SH   SOLE   0 0 19,490
ASML HOLDING N V N Y REGISTRY SHS N07059210 327 787 SH   SOLE   0 0 787
ASTRAZENECA PLC SPONSORED ADR 046353108 401 7,316 SH   SOLE   0 0 7,316
AT&T INC COM 00206R102 323 21,041 SH   SOLE   0 0 21,041
AUTOMATIC DATA PROCESSING IN COM 053015103 424 1,876 SH   SOLE   0 0 1,876
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 65 14,499 SH   SOLE   0 0 14,499
BANCO BRADESCO S A SP ADR PFD NEW 059460303 48 13,085 SH   SOLE   0 0 13,085
BANCO SANTANDER S.A. ADR 05964H105 47 20,368 SH   SOLE   0 0 20,368
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 265 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104 514 15,756 SH   SOLE   0 0 15,756
BECTON DICKINSON & CO COM 075887109 254 1,138 SH   SOLE   0 0 1,138
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,588 17,183 SH   SOLE   0 0 17,183
BK OF AMERICA CORP COM 060505104 340 11,246 SH   SOLE   0 0 11,246
BOEING CO COM 097023105 216 1,785 SH   SOLE   0 0 1,785
BRISTOL-MYERS SQUIBB CO COM 110122108 416 5,851 SH   SOLE   0 0 5,851
BROADCOM INC COM 11135F101 336 756 SH   SOLE   0 0 756
CANADIAN NATL RY CO COM 136375102 296 2,737 SH   SOLE   0 0 2,737
CARDINAL HEALTH INC COM 14149Y108 342 5,127 SH   SOLE   0 0 5,127
CATERPILLAR INC COM 149123101 256 1,561 SH   SOLE   0 0 1,561
CHEVRON CORP NEW COM 166764100 689 4,795 SH   SOLE   0 0 4,795
CHUBB LIMITED COM H1467J104 229 1,259 SH   SOLE   0 0 1,259
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502 209 5,888 SH   SOLE   0 0 5,888
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 28 13,928 SH   SOLE   0 0 13,928
CIGNA CORP NEW COM 125523100 521 1,876 SH   SOLE   0 0 1,876
CINCINNATI FINL CORP COM 172062101 1,791 19,995 SH   SOLE   0 0 19,995
CISCO SYS INC COM 17275R102 755 18,870 SH   SOLE   0 0 18,870
CMS ENERGY CORP COM 125896100 385 6,614 SH   SOLE   0 0 6,614
COCA COLA CO COM 191216100 3,159 56,393 SH   SOLE   0 0 56,393
COMCAST CORP NEW CL A 20030N101 265 9,034 SH   SOLE   0 0 9,034
CONOCOPHILLIPS COM 20825C104 901 8,800 SH   SOLE   0 0 8,800
COSTCO WHSL CORP NEW COM 22160K105 365 772 SH   SOLE   0 0 772
CREDIT SUISSE GROUP SPONSORED ADR 225401108 48 12,134 SH   SOLE   0 0 12,134
DANAHER CORPORATION COM 235851102 353 1,368 SH   SOLE   0 0 1,368
DEERE & CO COM 244199105 1,900 5,692 SH   SOLE   0 0 5,692
DISNEY WALT CO COM 254687106 604 6,407 SH   SOLE   0 0 6,407
DUKE ENERGY CORP NEW COM NEW 26441C204 203 2,185 SH   SOLE   0 0 2,185
EATON CORP PLC SHS G29183103 737 5,528 SH   SOLE   0 0 5,528
ELEVANCE HEALTH INC COM 036752103 468 1,030 SH   SOLE   0 0 1,030
EMERSON ELEC CO COM 291011104 364 4,966 SH   SOLE   0 0 4,966
ENBRIDGE INC COM 29250N105 205 5,512 SH   SOLE   0 0 5,512
EXXON MOBIL CORP COM 30231G102 1,327 15,204 SH   SOLE   0 0 15,204
FORD MTR CO DEL COM 345370860 262 23,357 SH   SOLE   0 0 23,357
GREIF INC CL B 397624206 560 9,214 SH   SOLE   0 0 9,214
GREIF INC CL A 397624107 513 8,620 SH   SOLE   0 0 8,620
HOME DEPOT INC COM 437076102 973 3,525 SH   SOLE   0 0 3,525
HSBC HLDGS PLC SPON ADR NEW 404280406 209 8,006 SH   SOLE   0 0 8,006
HUNTINGTON BANCSHARES INC COM 446150104 319 24,231 SH   SOLE   0 0 24,231
ILLINOIS TOOL WKS INC COM 452308109 234 1,293 SH   SOLE   0 0 1,293
INFOSYS LTD SPONSORED ADR 456788108 230 13,527 SH   SOLE   0 0 13,527
INTEL CORP COM 458140100 366 14,215 SH   SOLE   0 0 14,215
INTERNATIONAL BUSINESS MACHS COM 459200101 394 3,320 SH   SOLE   0 0 3,320
INTUIT COM 461202103 232 600 SH   SOLE   0 0 600
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 401 11,440 SH   SOLE   0 0 11,440
INVESCO EXCHANGE TRADED FD T DWA BASIC MATL 46137V704 144 2,058 SH   SOLE   0 0 2,058
INVESCO QQQ TR UNIT SER 1 46090E103 326 1,221 SH   SOLE   0 0 1,221
ISHARES GOLD TR ISHARES NEW 464285204 385 12,219 SH   SOLE   0 0 12,219
ISHARES INC MSCI GBL MIN VOL 464286525 358 4,047 SH   SOLE   0 0 4,047
ISHARES INC MSCI EMERG MRKT 464286533 221 4,362 SH   SOLE   0 0 4,362
ISHARES INC CORE MSCI EMKT 46434G103 2,691 62,616 SH   SOLE   0 0 62,616
ISHARES INC MSCI EMRG CHN 46434G764 277 6,263 SH   SOLE   0 0 6,263
ISHARES TR CORE S&P MCP ETF 464287507 27,793 126,756 SH   SOLE   0 0 126,756
ISHARES TR CORE S&P500 ETF 464287200 30,883 86,109 SH   SOLE   0 0 86,109
ISHARES TR RUS 1000 VAL ETF 464287598 280 2,055 SH   SOLE   0 0 2,055
ISHARES TR RUS 1000 GRW ETF 464287614 223 1,061 SH   SOLE   0 0 1,061
ISHARES TR RUS 2000 VAL ETF 464287630 844 6,546 SH   SOLE   0 0 6,546
ISHARES TR CORE US AGGBD ET 464287226 36,394 377,766 SH   SOLE   0 0 377,766
ISHARES TR ISHS 1-5YR INVS 464288646 18,192 369,146 SH   SOLE   0 0 369,146
ISHARES TR NATIONAL MUN ETF 464288414 7,174 69,937 SH   SOLE   0 0 69,937
ISHARES TR SHRT NAT MUN ETF 464288158 5,357 52,186 SH   SOLE   0 0 52,186
ISHARES TR MSCI USA MIN VOL 46429B697 584 8,828 SH   SOLE   0 0 8,828
ISHARES TR MSCI EAFE MIN VL 46429B689 479 8,409 SH   SOLE   0 0 8,409
ISHARES TR CORE MSCI EAFE 46432F842 7,923 150,431 SH   SOLE   0 0 150,431
ISHARES TR CORE 1 5 YR USD 46432F859 658 14,283 SH   SOLE   0 0 14,283
ISHARES TR GLOBAL REIT ETF 46434V647 14,706 691,404 SH   SOLE   0 0 691,404
ISHARES TR CORE INTL AGGR 46435G672 4,639 95,996 SH   SOLE   0 0 95,996
ISHARES TR ESG AW MSCI EAFE 46435G516 231 4,107 SH   SOLE   0 0 4,107
ISHARES TR ESG AWRE 1 5 YR 46435G243 334 14,231 SH   SOLE   0 0 14,231
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 2,494 49,728 SH   SOLE   0 0 49,728
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 7,358 146,292 SH   SOLE   0 0 146,292
JOHNSON & JOHNSON COM 478160104 1,691 10,352 SH   SOLE   0 0 10,352
JPMORGAN CHASE & CO COM 46625H100 3,410 32,630 SH   SOLE   0 0 32,630
KIMBERLY-CLARK CORP COM 494368103 244 2,171 SH   SOLE   0 0 2,171
LG DISPLAY CO LTD SPONS ADR REP 50186V102 92 22,589 SH   SOLE   0 0 22,589
LILLY ELI & CO COM 532457108 1,085 3,355 SH   SOLE   0 0 3,355
LINDE PLC SHS G5494J103 302 1,122 SH   SOLE   0 0 1,122
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 61 34,040 SH   SOLE   0 0 34,040
LOCKHEED MARTIN CORP COM 539830109 407 1,054 SH   SOLE   0 0 1,054
LOWES COS INC COM 548661107 570 3,035 SH   SOLE   0 0 3,035
MARATHON PETE CORP COM 56585A102 267 2,688 SH   SOLE   0 0 2,688
MASTERCARD INCORPORATED CL A 57636Q104 617 2,170 SH   SOLE   0 0 2,170
MCDONALDS CORP COM 580135101 549 2,379 SH   SOLE   0 0 2,379
MEDPACE HLDGS INC COM 58506Q109 370 2,354 SH   SOLE   0 0 2,354
MERCK & CO INC COM 58933Y105 625 7,262 SH   SOLE   0 0 7,262
META PLATFORMS INC CL A 30303M102 777 5,729 SH   SOLE   0 0 5,729
MICROSOFT CORP COM 594918104 5,661 24,305 SH   SOLE   0 0 24,305
NAVIDEA BIOPHARMACEUTICALS I COM NEW 63937X202 3 10,565 SH   SOLE   0 0 10,565
NETFLIX INC COM 64110L106 249 1,058 SH   SOLE   0 0 1,058
NEXTERA ENERGY INC COM 65339F101 794 10,128 SH   SOLE   0 0 10,128
NIO INC SPON ADS 62914V106 878 55,660 SH   SOLE   0 0 55,660
NISOURCE INC COM 65473P105 437 17,347 SH   SOLE   0 0 17,347
NOKIA CORP SPONSORED ADR 654902204 89 20,933 SH   SOLE   0 0 20,933
NORTHROP GRUMMAN CORP COM 666807102 288 613 SH   SOLE   0 0 613
NOVARTIS AG SPONSORED ADR 66987V109 213 2,800 SH   SOLE   0 0 2,800
NOVO-NORDISK A S ADR 670100205 362 3,630 SH   SOLE   0 0 3,630
NVIDIA CORPORATION COM 67066G104 820 6,758 SH   SOLE   0 0 6,758
ORACLE CORP COM 68389X105 545 8,917 SH   SOLE   0 0 8,917
PARK NATL CORP COM 700658107 211 1,698 SH   SOLE   0 0 1,698
PEPSICO INC COM 713448108 986 6,037 SH   SOLE   0 0 6,037
PFIZER INC COM 717081103 815 18,618 SH   SOLE   0 0 18,618
PHILIP MORRIS INTL INC COM 718172109 222 2,675 SH   SOLE   0 0 2,675
PHILLIPS 66 COM 718546104 303 3,759 SH   SOLE   0 0 3,759
PROCTER AND GAMBLE CO COM 742718109 3,219 25,501 SH   SOLE   0 0 25,501
PROLOGIS INC. COM 74340W103 280 2,760 SH   SOLE   0 0 2,760
QUALCOMM INC COM 747525103 262 2,316 SH   SOLE   0 0 2,316
RAYTHEON TECHNOLOGIES CORP COM 75513E101 208 2,543 SH   SOLE   0 0 2,543
REGENERON PHARMACEUTICALS COM 75886F107 254 369 SH   SOLE   0 0 369
S&P GLOBAL INC COM 78409V104 216 707 SH   SOLE   0 0 707
SALESFORCE INC COM 79466L302 290 2,017 SH   SOLE   0 0 2,017
SCHWAB CHARLES CORP COM 808513105 281 3,906 SH   SOLE   0 0 3,906
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 269 6,396 SH   SOLE   0 0 6,396
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 137 4,884 SH   SOLE   0 0 4,884
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 348 5,241 SH   SOLE   0 0 5,241
SHELL PLC SPON ADS 780259305 216 4,348 SH   SOLE   0 0 4,348
SHERWIN WILLIAMS CO COM 824348106 363 1,773 SH   SOLE   0 0 1,773
SPDR GOLD TR GOLD SHS 78463V107 696 4,499 SH   SOLE   0 0 4,499
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 271 7,007 SH   SOLE   0 0 7,007
SPDR S&P 500 ETF TR TR UNIT 78462F103 916 2,565 SH   SOLE   0 0 2,565
SPDR SER TR S&P DIVID ETF 78464A763 1,923 17,246 SH   SOLE   0 0 17,246
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 2,528 70,266 SH   SOLE   0 0 70,266
STARBUCKS CORP COM 855244109 336 3,986 SH   SOLE   0 0 3,986
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 105 19,125 SH   SOLE   0 0 19,125
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 666 9,708 SH   SOLE   0 0 9,708
TARGET CORP COM 87612E106 635 4,278 SH   SOLE   0 0 4,278
TESLA INC COM 88160R101 1,528 5,760 SH   SOLE   0 0 5,760
TEXAS INSTRS INC COM 882508104 485 3,131 SH   SOLE   0 0 3,131
THERMO FISHER SCIENTIFIC INC COM 883556102 795 1,568 SH   SOLE   0 0 1,568
TJX COS INC NEW COM 872540109 214 3,438 SH   SOLE   0 0 3,438
TORONTO DOMINION BK ONT COM NEW 891160509 276 4,505 SH   SOLE   0 0 4,505
TOYOTA MOTOR CORP ADS 892331307 226 1,733 SH   SOLE   0 0 1,733
UBS GROUP AG SHS H42097107 146 10,075 SH   SOLE   0 0 10,075
UNILEVER PLC SPON ADR NEW 904767704 309 7,042 SH   SOLE   0 0 7,042
UNION PAC CORP COM 907818108 426 2,188 SH   SOLE   0 0 2,188
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 144 25,888 SH   SOLE   0 0 25,888
UNITED PARCEL SERVICE INC CL B 911312106 5,525 34,204 SH   SOLE   0 0 34,204
UNITEDHEALTH GROUP INC COM 91324P102 1,555 3,080 SH   SOLE   0 0 3,080
US BANCORP DEL COM NEW 902973304 393 9,751 SH   SOLE   0 0 9,751
VANECK MERK GOLD TR GOLD TRUST 921078101 2,706 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 16,945 226,475 SH   SOLE   0 0 226,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,523 77,429 SH   SOLE   0 0 77,429
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 25,585 536,028 SH   SOLE   0 0 536,028
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,736 20,816 SH   SOLE   0 0 20,816
VANGUARD INDEX FDS VALUE ETF 922908744 1,165 9,433 SH   SOLE   0 0 9,433
VANGUARD INDEX FDS MID CAP ETF 922908629 4,914 26,143 SH   SOLE   0 0 26,143
VANGUARD INDEX FDS SM CP VAL ETF 922908611 39,892 278,185 SH   SOLE   0 0 278,185
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,613 45,067 SH   SOLE   0 0 45,067
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,531 32,362 SH   SOLE   0 0 32,362
VANGUARD INDEX FDS GROWTH ETF 922908736 367 1,715 SH   SOLE   0 0 1,715
VANGUARD INDEX FDS SML CP GRW ETF 922908595 214 1,095 SH   SOLE   0 0 1,095
VANGUARD INDEX FDS LARGE CAP ETF 922908637 207 1,265 SH   SOLE   0 0 1,265
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 969 2,951 SH   SOLE   0 0 2,951
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 30,176 826,961 SH   SOLE   0 0 826,961
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,602 171,364 SH   SOLE   0 0 171,364
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,160 23,271 SH   SOLE   0 0 23,271
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,089 26,488 SH   SOLE   0 0 26,488
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 10,514 218,395 SH   SOLE   0 0 218,395
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 523 6,911 SH   SOLE   0 0 6,911
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 264 3,559 SH   SOLE   0 0 3,559
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 28,134 208,151 SH   SOLE   0 0 208,151
VANGUARD STAR FDS VG TL INTL STK F 921909768 272 5,937 SH   SOLE   0 0 5,937
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 39,835 1,095,571 SH   SOLE   0 0 1,095,571
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 658 6,930 SH   SOLE   0 0 6,930
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,893 62,798 SH   SOLE   0 0 62,798
VANGUARD WORLD FD ESG US STK ETF 921910733 237 3,767 SH   SOLE   0 0 3,767
VANGUARD WORLD FDS ENERGY ETF 92204A306 417 4,109 SH   SOLE   0 0 4,109
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 201 897 SH   SOLE   0 0 897
VANGUARD WORLD FDS INF TECH ETF 92204A702 341 1,108 SH   SOLE   0 0 1,108
VERIZON COMMUNICATIONS INC COM 92343V104 508 13,376 SH   SOLE   0 0 13,376
VICTORIAS SECRET AND CO COMMON STOCK 926400102 191 6,545 SH   SOLE   0 0 6,545
VISA INC COM CL A 92826C839 831 4,680 SH   SOLE   0 0 4,680
WALMART INC COM 931142103 394 3,041 SH   SOLE   0 0 3,041
WENDYS CO COM 95058W100 170 9,120 SH   SOLE   0 0 9,120
WIPRO LTD SPON ADR 1 SH 97651M109 142 30,211 SH   SOLE   0 0 30,211
WORLD GOLD TR SPDR GLD MINIS 98149E303 144 4,364 SH   SOLE   0 0 4,364
WORTHINGTON INDS INC COM 981811102 499 13,078 SH   SOLE   0 0 13,078