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
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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
ABBOTT LABS COM 002824100   1,016,607 10,040 SH   SOLE   0 0 10,040
ABBVIE INC COM 00287Y109   1,059,332 6,647 SH   SOLE   0 0 6,647
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   492,165 1,722 SH   SOLE   0 0 1,722
ADVANCED DRAIN SYS INC DEL COM 00790R104   215,453 2,559 SH   SOLE   0 0 2,559
AFLAC INC COM 001055102   305,244 4,731 SH   SOLE   0 0 4,731
AGILON HEALTH INC COM 00857U107   318,725 13,420 SH   SOLE   0 0 13,420
AIR PRODS & CHEMS INC COM 009158106   358,438 1,248 SH   SOLE   0 0 1,248
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   685,934 6,713 SH   SOLE   0 0 6,713
ALMADEN MINERALS LTD COM CL B 020283305   5,890 31,000 SH   SOLE   0 0 31,000
ALPHABET INC CAP STK CL A 02079K305   274,470 2,646 SH   SOLE   0 0 2,646
ALPHABET INC CAP STK CL C 02079K107   242,632 2,333 SH   SOLE   0 0 2,333
AMAZON COM INC COM 023135106   973,818 9,428 SH   SOLE   0 0 9,428
AMBEV SA SPONSORED ADR 02319V103   33,459 11,865 SH   SOLE   0 0 11,865
AMERICAN ELEC PWR CO INC COM 025537101   283,798 3,119 SH   SOLE   0 0 3,119
AMERICAN EXPRESS CO COM 025816109   514,479 3,119 SH   SOLE   0 0 3,119
AMERIPRISE FINL INC COM 03076C106   214,858 701 SH   SOLE   0 0 701
AMGEN INC COM 031162100   394,536 1,632 SH   SOLE   0 0 1,632
APPLE INC COM 037833100   4,338,359 26,309 SH   SOLE   0 0 26,309
BANCO BRADESCO S A SP ADR PFD NEW 059460303   59,615 22,754 SH   SOLE   0 0 22,754
BANK AMERICA CORP COM 060505104   414,352 14,488 SH   SOLE   0 0 14,488
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,577,506 5,109 SH   SOLE   0 0 5,109
BROADCOM INC COM 11135F101   588,934 918 SH   SOLE   0 0 918
CATERPILLAR INC COM 149123101   271,175 1,185 SH   SOLE   0 0 1,185
CHEVRON CORP NEW COM 166764100   701,280 4,298 SH   SOLE   0 0 4,298
CHUBB LIMITED COM H1467J104   207,967 1,071 SH   SOLE   0 0 1,071
CHURCHILL DOWNS INC COM 171484108   229,546 893 SH   SOLE   0 0 893
CISCO SYS INC COM 17275R102   705,884 13,503 SH   SOLE   0 0 13,503
COCA COLA CO COM 191216100   767,001 12,365 SH   SOLE   0 0 12,365
COMCAST CORP NEW CL A 20030N101   389,601 10,277 SH   SOLE   0 0 10,277
CONOCOPHILLIPS COM 20825C104   274,009 2,762 SH   SOLE   0 0 2,762
COSTCO WHSL CORP NEW COM 22160K105   228,560 460 SH   SOLE   0 0 460
CVS HEALTH CORP COM 126650100   347,790 4,680 SH   SOLE   0 0 4,680
DANAHER CORPORATION COM 235851102   316,169 1,254 SH   SOLE   0 0 1,254
DISNEY WALT CO COM 254687106   303,694 3,033 SH   SOLE   0 0 3,033
ELEVANCE HEALTH INC COM 036752103   264,851 576 SH   SOLE   0 0 576
EMERSON ELEC CO COM 291011104   492,341 5,650 SH   SOLE   0 0 5,650
EQUINOX GOLD CORP COM 29446Y502   130,161 25,274 SH   SOLE   0 0 25,274
EXXON MOBIL CORP COM 30231G102   955,797 8,716 SH   SOLE   0 0 8,716
FORD MTR CO DEL COM 345370860   198,135 15,725 SH   SOLE   0 0 15,725
FRANCO NEV CORP COM 351858105   564,100 3,869 SH   SOLE   0 0 3,869
GENERAL MLS INC COM 370334104   370,311 4,333 SH   SOLE   0 0 4,333
GILEAD SCIENCES INC COM 375558103   288,404 3,476 SH   SOLE   0 0 3,476
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,826,776 18,242 SH   SOLE   0 0 18,242
HOME DEPOT INC COM 437076102   663,430 2,248 SH   SOLE   0 0 2,248
HONEYWELL INTL INC COM 438516106   334,460 1,750 SH   SOLE   0 0 1,750
HUNTINGTON BANCSHARES INC COM 446150104   225,169 20,104 SH   SOLE   0 0 20,104
ILLINOIS TOOL WKS INC COM 452308109   454,765 1,868 SH   SOLE   0 0 1,868
INFOSYS LTD SPONSORED ADR 456788108   274,907 15,763 SH   SOLE   0 0 15,763
INTEL CORP COM 458140100   205,200 6,281 SH   SOLE   0 0 6,281
INTERNATIONAL BUSINESS MACHS COM 459200101   361,684 2,759 SH   SOLE   0 0 2,759
ISHARES GOLD TR ISHARES NEW 464285204   1,064,671 28,490 SH   SOLE   0 0 28,490
ISHARES INC CORE MSCI EMKT 46434G103   116,319,524 2,384,085 SH   SOLE   0 0 2,384,085
ISHARES TR RUS 1000 VAL ETF 464287598   443,229 2,911 SH   SOLE   0 0 2,911
ISHARES TR JPMORGAN USD EMG 464288281   96,947,681 1,123,640 SH   SOLE   0 0 1,123,640
ISHARES TR MSCI EMG MKT ETF 464287234   29,547 29,400 SH Put SOLE   0 0 29,400
ISHARES TR CORE S&P TTL STK 464287150   1,524,409 16,835 SH   SOLE   0 0 16,835
ISHARES TR RUS 1000 ETF 464287622   7,649,261 33,962 SH   SOLE   0 0 33,962
ISHARES TR CORE S&P MCP ETF 464287507   633,905 2,534 SH   SOLE   0 0 2,534
ISHARES TR S&P MC 400VL ETF 464287705   2,274,576 22,133 SH   SOLE   0 0 22,133
ISHARES TR CORE S&P500 ETF 464287200   876,415 2,132 SH   SOLE   0 0 2,132
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   94,079 19,318 SH   SOLE   0 0 19,318
JOHNSON & JOHNSON COM 478160104   644,382 4,157 SH   SOLE   0 0 4,157
JPMORGAN CHASE & CO COM 46625H100   730,127 5,603 SH   SOLE   0 0 5,603
LANCASTER COLONY CORP COM 513847103   2,806,236 13,832 SH   SOLE   0 0 13,832
LEGG MASON ETF INVT CLEARBRIDGE DI 524682309   338,526 8,525 SH   SOLE   0 0 8,525
LILLY ELI & CO COM 532457108   469,521 1,367 SH   SOLE   0 0 1,367
LOCKHEED MARTIN CORP COM 539830109   237,310 502 SH   SOLE   0 0 502
LOWES COS INC COM 548661107   451,067 2,256 SH   SOLE   0 0 2,256
MARATHON PETE CORP COM 56585A102   345,718 2,564 SH   SOLE   0 0 2,564
MASTERCARD INCORPORATED CL A 57636Q104   973,461 2,679 SH   SOLE   0 0 2,679
MCDONALDS CORP COM 580135101   692,874 2,478 SH   SOLE   0 0 2,478
MERCK & CO INC COM 58933Y105   774,781 7,282 SH   SOLE   0 0 7,282
META PLATFORMS INC CL A 30303M102   551,892 2,604 SH   SOLE   0 0 2,604
MICROSOFT CORP COM 594918104   3,571,103 12,387 SH   SOLE   0 0 12,387
MONDELEZ INTL INC CL A 609207105   209,857 3,010 SH   SOLE   0 0 3,010
MORGAN STANLEY COM NEW 617446448   758,817 8,643 SH   SOLE   0 0 8,643
NEXTERA ENERGY INC COM 65339F101   321,424 4,170 SH   SOLE   0 0 4,170
NORFOLK SOUTHN CORP COM 655844108   218,532 1,031 SH   SOLE   0 0 1,031
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   689,371 20,234 SH   SOLE   0 0 20,234
NVIDIA CORPORATION COM 67066G104   603,968 2,174 SH   SOLE   0 0 2,174
ORACLE CORP COM 68389X105   563,560 6,065 SH   SOLE   0 0 6,065
PACCAR INC COM 693718108   314,540 4,297 SH   SOLE   0 0 4,297
PARKER-HANNIFIN CORP COM 701094104   617,098 1,836 SH   SOLE   0 0 1,836
PDF SOLUTIONS INC COM 693282105   212,382 5,009 SH   SOLE   0 0 5,009
PEPSICO INC COM 713448108   659,561 3,618 SH   SOLE   0 0 3,618
PHILIP MORRIS INTL INC COM 718172109   247,210 2,542 SH   SOLE   0 0 2,542
PROCTER AND GAMBLE CO COM 742718109   679,067 4,567 SH   SOLE   0 0 4,567
QUALCOMM INC COM 747525103   312,316 2,448 SH   SOLE   0 0 2,448
RAYTHEON TECHNOLOGIES CORP COM 75513E101   435,110 4,443 SH   SOLE   0 0 4,443
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   78,742,772 1,613,912 SH   SOLE   0 0 1,613,912
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   68,580,286 2,796,912 SH   SOLE   0 0 2,796,912
SELECT SECTOR SPDR TR ENERGY 81369Y506   209,769,416 2,532,529 SH   SOLE   0 0 2,532,529
SELECT SECTOR SPDR TR ENERGY 81369Y506   10,899 17,300 SH Put SOLE   0 0 17,300
SIFY TECHNOLOGIES LTD SPONSORED ADS 82655M107   17,402 13,811 SH   SOLE   0 0 13,811
SIRIUS XM HOLDINGS INC COM 82968B103   54,262 13,668 SH   SOLE   0 0 13,668
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,648,889 48,312 SH   SOLE   0 0 48,312
SPDR SER TR PORTFOLIO SHORT 78464A474   5,670,530 191,378 SH   SOLE   0 0 191,378
SPDR SER TR PRTFLO S&P500 VL 78464A508   407,861,142 10,016,236 SH   SOLE   0 0 10,016,236
SPDR SER TR PRTFLO S&P500 VL 78464A508   69,363 89,500 SH Put SOLE   0 0 89,500
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,248,506 29,516 SH   SOLE   0 0 29,516
STRYKER CORPORATION COM 863667101   263,446 923 SH   SOLE   0 0 923
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,285,071 13,815 SH   SOLE   0 0 13,815
TARGET CORP COM 87612E106   234,911 1,418 SH   SOLE   0 0 1,418
TESLA INC COM 88160R101   336,500 1,622 SH   SOLE   0 0 1,622
TEXAS INSTRS INC COM 882508104   395,754 2,128 SH   SOLE   0 0 2,128
THE CIGNA GROUP COM 125523100   305,614 1,196 SH   SOLE   0 0 1,196
THERATECHNOLOGIES INC COM 88338H100   142,796 176,291 SH   SOLE   0 0 176,291
TJX COS INC NEW COM 872540109   240,565 3,070 SH   SOLE   0 0 3,070
UNION PAC CORP COM 907818108   269,570 1,339 SH   SOLE   0 0 1,339
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   87,749 10,017 SH   SOLE   0 0 10,017
UNITED PARCEL SERVICE INC CL B 911312106   384,876 1,984 SH   SOLE   0 0 1,984
UNITEDHEALTH GROUP INC COM 91324P102   211,720 448 SH   SOLE   0 0 448
VANECK ETF TRUST IG FLOATING RATE 92189F486   934,364 37,419 SH   SOLE   0 0 37,419
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   6,341,904 43,230 SH   SOLE   0 0 43,230
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   208,917 556 SH   SOLE   0 0 556
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   85,548,337 1,122,240 SH   SOLE   0 0 1,122,240
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   5,258,847 112,972 SH   SOLE   0 0 112,972
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   355,665 5,708 SH   SOLE   0 0 5,708
VERIZON COMMUNICATIONS INC COM 92343V104   226,036 5,812 SH   SOLE   0 0 5,812
VISA INC COM CL A 92826C839   528,704 2,345 SH   SOLE   0 0 2,345
WALMART INC COM 931142103   523,742 3,552 SH   SOLE   0 0 3,552
WELLS FARGO CO NEW COM 949746101   311,674 8,338 SH   SOLE   0 0 8,338
WIPRO LTD SPON ADR 1 SH 97651M109   77,843 17,337 SH   SOLE   0 0 17,337
WISDOMTREE TR JAPN HEDGE EQT 97717W851   1,754,718 24,812 SH   SOLE   0 0 24,812
WISDOMTREE TR US QTLY DIV GRT 97717X669   405,066,217 6,497,694 SH   SOLE   0 0 6,497,694
WORLD GOLD TR SPDR GLD MINIS 98149E303   207,127 5,296 SH   SOLE   0 0 5,296