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
AT & T INC COM 00206R102 392 15,947 SH   SOLE   0 0 15,947
ABBOTT LABORATORIES COM 002824100 299 2,128 SH   SOLE   0 0 2,128
ACCENTURE PLC IRELAND SHARES CLASS A SHS CLASS A G1151C101 246 594 SH   SOLE   0 0 594
ALPHABET INC VOTING CAP STK CL A CAP STK CL A 02079K305 342 118 SH   SOLE   0 0 118
ALPHABET INC NON VOTING CAP STK CL C CAP STK CL C 02079K107 541 187 SH   SOLE   0 0 187
AMAZON COM INC COM 023135106 1,510 453 SH   SOLE   0 0 453
ANALOG DEVICES INC COM 032654105 229 1,300 SH   SOLE   0 0 1,300
APPLE INC COM 037833100 2,329 13,118 SH   SOLE   0 0 13,118
APPLIED MATERIALS INC COM 038222105 413 2,622 SH   SOLE   0 0 2,622
BANK NEW YORK MELLON CORP COM 064058100 254 4,381 SH   SOLE   0 0 4,381
BERKSHIRE HATHAWAY INC SERIES B NEW CL B NEW 084670702 1,349 4,511 SH   SOLE   0 0 4,511
CAPITAL ONE FINANCIAL CORP COM 14040H105 343 2,364 SH   SOLE   0 0 2,364
CHEVRON CORPORATION COM 166764100 688 5,859 SH   SOLE   0 0 5,859
CHUBB LTD COM H1467J104 254 1,312 SH   SOLE   0 0 1,312
CISCO SYSTEMS INC COM 17275R102 239 3,771 SH   SOLE   0 0 3,771
COCA-COLA COMPANY COM 191216100 201 3,400 SH   SOLE   0 0 3,400
COMCAST CORP NEW CL A CL A 20030N101 221 4,389 SH   SOLE   0 0 4,389
DUKE ENERGY CORP COM NEW COM NEW 26441C204 212 2,023 SH   SOLE   0 0 2,023
EXXON MOBIL CORP COM 30231G102 412 6,736 SH   SOLE   0 0 6,736
META PLATFORMS INC CLASS A CL A 30303M102 408 1,212 SH   SOLE   0 0 1,212
FIRST CAPITAL INC COM 31942S104 844 20,836 SH   SOLE   0 0 20,836
FORD MOTOR COMPANY COM 345370860 267 12,841 SH   SOLE   0 0 12,841
ISHARES NATIONAL ETF MUNI BOND NATIONAL MUN ETF 464288414 11,097 95,431 SH   SOLE   0 0 95,431
HOME DEPOT INC COM 437076102 242 584 SH   SOLE   0 0 584
ISHARES MSCI EAFE IN ETF MSCI EAFE ETF 464287465 541 6,882 SH   SOLE   0 0 6,882
ISHARES CORE S&P 500 ETF S&P 500 INDEX FD CORE S&P500 ETF 464287200 8,157 17,102 SH   SOLE   0 0 17,102
INTEL CORP COM 458140100 252 4,888 SH   SOLE   0 0 4,888
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101 220 1,642 SH   SOLE   0 0 1,642
INVESCO TR II ETF NATL AMT-FREE MUN BD NATL AMT MUNI 46138E537 1,883 69,444 SH   SOLE   0 0 69,444
INVESCO OPTIMUM YLD ETF DIVERSIFIED COMMODITY STRATEGY NO K-1 OPTIMUM YIELD 46090F100 1,637 116,429 SH   SOLE   0 0 116,429
INVESCO QQQ TR ETF UNIT SER 1 UNIT SER 1 46090E103 291 731 SH   SOLE   0 0 731
JOHNSON & JOHNSON COM 478160104 638 3,732 SH   SOLE   0 0 3,732
ELI LILLY & CO COM 532457108 633 2,291 SH   SOLE   0 0 2,291
LINDE PLC SHS G5494J103 310 895 SH   SOLE   0 0 895
LOWES COMPANIES INC COM 548661107 325 1,258 SH   SOLE   0 0 1,258
MCDONALDS CORP COM 580135101 243 905 SH   SOLE   0 0 905
MICROSOFT CORP COM 594918104 1,602 4,765 SH   SOLE   0 0 4,765
MOODY'S CORP COM 615369105 345 884 SH   SOLE   0 0 884
JPMORGAN CHASE & CO COM 46625H100 2,228 14,069 SH   SOLE   0 0 14,069
NEXTERA ENERGY INC COM 65339F101 239 2,565 SH   SOLE   0 0 2,565
NORFOLK SOUTHERN CORP COM 655844108 232 780 SH   SOLE   0 0 780
PNC FINANCIAL SERVICES GROUP COM 693475105 496 2,472 SH   SOLE   0 0 2,472
PAYCHEX INC COM 704326107 294 2,154 SH   SOLE   0 0 2,154
PEPSICO INCORPORATED COM 713448108 399 2,300 SH   SOLE   0 0 2,300
PFIZER INCORPORATED COM 717081103 300 5,082 SH   SOLE   0 0 5,082
PROCTER & GAMBLE CO COM 742718109 264 1,615 SH   SOLE   0 0 1,615
REPUBLIC BANCORP INC KY CL A CL A 760281204 243 4,784 SH   SOLE   0 0 4,784
SPDR NUVEEN ETF BLOOMBERG SHORT TERM MUNICIPAL BOND ETF NUVEEN BLMBRG SH 78468R739 4,113 83,634 SH   SOLE   0 0 83,634
SPDR BLOOMBERG ETF HIGH YIELD BD ETF BLOOMBERG HIGH Y 78468R622 4,786 44,087 SH   SOLE   0 0 44,087
TESLA INC COM 88160R101 872 825 SH   SOLE   0 0 825
TEXAS INSTRUMENTS INC COM 882508104 221 1,174 SH   SOLE   0 0 1,174
3M CO COM 88579Y101 1,099 6,187 SH   SOLE   0 0 6,187
UMPQUA HLDGS CORP COM 904214103 883 45,918 SH   SOLE   0 0 45,918
UNITED PARCEL SERVICE-B CL B 911312106 1,131 5,277 SH   SOLE   0 0 5,277
US BANCORP NEW COM NEW 902973304 362 6,451 SH   SOLE   0 0 6,451
VANECK VECTORS ETF HIGH YIELD MUNI ETF HIGH YLD MUNIETF 92189H409 4,416 70,741 SH   SOLE   0 0 70,741
VANGUARD SHORT TERM ETF ETF SHORT TRM BOND 921937827 3,357 41,530 SH   SOLE   0 0 41,530
VANGUARD LONG TERM ETF BOND LONG TERM BOND 921937793 1,431 13,907 SH   SOLE   0 0 13,907
VANGUARD WHITEHALL ETF FDS EMERGING MKT GOVT BD INDEX FD EMERG MKT BD ETF 921946885 6,259 80,590 SH   SOLE   0 0 80,590
VANGUARD TOTAL INTL ETF STOCK INDEX FUND VG TL INTL STK F 921909768 4,004 62,989 SH   SOLE   0 0 62,989
VANGUARD INTERMEDIAT ETF BOND ETF INTERMED TERM 921937819 10,257 117,062 SH   SOLE   0 0 117,062
VANGUARD CONSUMER ETF DISCRETONARY CONSUM DIS ETF 92204A108 6,150 18,053 SH   SOLE   0 0 18,053
VANGUARD INDUSTRIALS ETF INDUSTRIAL ETF 92204A603 5,448 26,845 SH   SOLE   0 0 26,845
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504 6,825 25,616 SH   SOLE   0 0 25,616
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 7,076 73,271 SH   SOLE   0 0 73,271
VANGUARD ENERGY ETF ENERGY ETF 92204A306 1,378 17,755 SH   SOLE   0 0 17,755
VANGUARD INFORMATION ETF TECHNOLOGY INF TECH ETF 92204A702 15,781 34,444 SH   SOLE   0 0 34,444
VANGUARD INTL EQUITY ETF INDEX FDS FTSE EMERGING MKTS ETF FTSE EMR MKT ETF 922042858 14,217 287,444 SH   SOLE   0 0 287,444
VANGUARD ETF COMMUNICATION SERVICES COMM SRVC ETF 92204A884 6,816 50,281 SH   SOLE   0 0 50,281
VANGUARD MATERIALS ETF MATERIALS ETF 92204A801 1,244 6,317 SH   SOLE   0 0 6,317
VANGUARD INDEX FDS ETF REAL ESTATE INDEX FD REAL ESTATE ETF 922908553 1,349 11,632 SH   SOLE   0 0 11,632
VANGUARD MID CAP ETF MID CAP ETF 922908629 28,291 111,047 SH   SOLE   0 0 111,047
VANGUARD TOTAL STOCK ETF MARKET ETF TOTAL STK MKT 922908769 215 892 SH   SOLE   0 0 892
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 11,848 52,423 SH   SOLE   0 0 52,423
VERIZON COMMUNICATIONS COM COM 92343V104 285 5,493 SH   SOLE   0 0 5,493
WALMART INC COM 931142103 709 4,897 SH   SOLE   0 0 4,897
WEC ENERGY GROUP INC COM 92939U106 254 2,616 SH   SOLE   0 0 2,616
ANTHEM INC COM 036752103 412 888 SH   SOLE   0 0 888
WELLS FARGO & CO NEW COM 949746101 594 12,386 SH   SOLE   0 0 12,386
WESBANCO INC COM 950810101 22,875 653,750 SH   SOLE   0 0 653,750