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
Amazon.com Inc Stock 023135106   264,103 1,417 SH   SOLE 0 0 0 0
Anthem Inc Stock 036752103   468,520 901 SH   SOLE 0 0 0 0
iShares Core International Aggt Bd ETF ETF 46435G672   319,592 6,167 SH   SOLE 0 0 0 0
Johnson & Johnson Stock 478160104   1,148,716 7,088 SH   SOLE 0 0 0 0
Vanguard Total Stock Market ETF ETF 922908769   958,502 3,385 SH   SOLE 0 0 0 0
iShares MSCI Emerging Markets ETF ETF 464287234   517,499 11,284 SH   SOLE 0 0 0 0
Shell PLC ADR 780259305   239,843 3,637 SH   SOLE 0 0 0 0
Procter & Gamble Co Stock 742718109   8,238,340 47,565 SH   SOLE 0 0 0 0
United Parcel Service Inc Stock 911312106   265,875 1,950 SH   SOLE 0 0 0 0
Vanguard Real Estate ETF ETF 922908553   473,488 4,860 SH   SOLE 0 0 0 0
iShares MSCI ACWI ex US ETF ETF 464288240   442,646 7,736 SH   SOLE 0 0 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274   208,758 6,642 SH   SOLE 0 0 0 0
Merck & Co Inc Stock 58933Y105   730,526 6,433 SH   SOLE 0 0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   250,881 2,363 SH   SOLE 0 0 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   1,203,307 2,097 SH   SOLE 0 0 0 0
SPDR S&P 500 12/20/24 360 CALL CALL 5683089LH   695,552 3,200 SH Call SOLE 0 0 0 0
Illinois Tool Works Inc Stock 452308109   341,259 1,302 SH   SOLE 0 0 0 0
Diageo PLC ADR 25243Q205   203,117 1,447 SH   SOLE 0 0 0 0
iShares Core US REIT ETF ETF 464288521   237,069 3,850 SH   SOLE 0 0 0 0
American Financial Group Inc Stock 025932104   338,409 2,514 SH   SOLE 0 0 0 0
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF ETF 00162Q395   228,813 5,077 SH   SOLE 0 0 0 0
Verizon Communications Inc Stock 92343V104   462,109 10,290 SH   SOLE 0 0 0 0
PepsiCo Inc Stock 713448108   512,532 3,014 SH   SOLE 0 0 0 0
Trane Technologies PLC Stock G8994E103   631,583 1,625 SH   SOLE 0 0 0 0
U.S. Bancorp Stock 902973304   301,606 6,595 SH   SOLE 0 0 0 0
The Home Depot Inc Stock 437076102   1,061,100 2,619 SH   SOLE 0 0 0 0
Automatic Data Processing Inc Stock 053015103   403,340 1,458 SH   SOLE 0 0 0 0
Southern Co Stock 842587107   243,108 2,696 SH   SOLE 0 0 0 0
iShares Russell 1000 Growth ETF ETF 464287614   3,038,536 8,095 SH   SOLE 0 0 0 0
Schwab US Broad Market ETF ETF 808524102   803,254 12,075 SH   SOLE 0 0 0 0
Schwab International Equity ETF ETF 808524805   501,005 12,184 SH   SOLE 0 0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   25,317,681 216,464 SH   SOLE 0 0 0 0
iShares iBonds Dec 2027 Term Corp ETF ETF 46435UAA9   1,062,744 43,609 SH   SOLE 0 0 0 0
Berkshire Hathaway Inc Stock 084670702   858,780 1,866 SH   SOLE 0 0 0 0
Adobe Inc Stock 00724F101   279,420 540 SH   SOLE 0 0 0 0
Alphabet Inc Stock 02079K305   862,049 5,198 SH   SOLE 0 0 0 0
Fiserv Inc Stock 337738108   400,979 2,232 SH   SOLE 0 0 0 0
CSX Corp Stock 126408103   993,636 28,776 SH   SOLE 0 0 0 0
Comcast Corp Stock 20030N101   338,370 8,101 SH   SOLE 0 0 0 0
iShares iBonds Dec 2024 Term Muni Bond ETF 46435U697   438,946 16,818 SH   SOLE 0 0 0 0
Microsoft Corp Stock 594918104   2,841,115 6,603 SH   SOLE 0 0 0 0
CVS Health Corp Stock 126650100   214,085 3,405 SH   SOLE 0 0 0 0
ISHARES EUROPE ETF ETF 464287861   374,560 6,428 SH   SOLE 0 0 0 0
First Trust TCW Unconstrained Plus Bond ETF ETF 33740F888   338,633 13,475 SH   SOLE 0 0 0 0
KEURIG DR PEPPER INC COM Stock 49271V100   229,931 6,135 SH   SOLE 0 0 0 0
Ameriprise Financial Inc Stock 03076C106   220,284 469 SH   SOLE 0 0 0 0
Vanguard Small-Cap ETF ETF 922908751   410,581 1,731 SH   SOLE 0 0 0 0
NextEra Energy Inc Stock 65339F101   350,440 4,146 SH   SOLE 0 0 0 0
VICTORYSHARES CORE INTERMEDIATE BOND ETF ETF 92647N527   554,039 11,559 SH   SOLE 0 0 0 0
Norfolk Southern Corp Stock 655844108   398,690 1,604 SH   SOLE 0 0 0 0
iShares iBonds Dec 2025 Term Muni Bd ETF ETF 46435U432   498,225 18,688 SH   SOLE 0 0 0 0
Vanguard S&P 500 ETF ETF 922908363   1,581,291 2,997 SH   SOLE 0 0 0 0
iShares iBonds Dec 2026 Term Muni Bond ETF ETF 46435U259   325,480 12,687 SH   SOLE 0 0 0 0
Fifth Third Bancorp Stock 316773100   235,331 5,493 SH   SOLE 0 0 0 0
LCNB Corp Stock 50181P100   1,125,578 74,690 SH   SOLE 0 0 0 0
iShares iBonds Dec 2027 Term Muni Bd ETF ETF 46435U283   203,473 7,995 SH   SOLE 0 0 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   936,670 8,701 SH   SOLE 0 0 0 0
Air Products & Chemicals Inc Stock 009158106   321,652 1,080 SH   SOLE 0 0 0 0
iShares Russell 2000 ETF ETF 464287655   1,103,375 4,995 SH   SOLE 0 0 0 0
Duke Energy Corp Stock 26441C204   447,945 3,885 SH   SOLE 0 0 0 0
Carrier Global Corp Stock 14448C104   445,294 5,532 SH   SOLE 0 0 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   307,830 4,292 SH   SOLE 0 0 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866   296,236 3,779 SH   SOLE 0 0 0 0
EV Tax-Mgd Gbl Div Equity Income CEF 27829F108   220,437 25,279 SH   SOLE 0 0 0 0
iShares MSCI EAFE Value ETF ETF 464288877   829,824 14,424 SH   SOLE 0 0 0 0
Energy Transfer LP Stock 29273V100   513,408 31,988 SH   SOLE 0 0 0 0
Visa Inc Stock 92826C839   348,565 1,268 SH   SOLE 0 0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   299,610 3,281 SH   SOLE 0 0 0 0
Vanguard Growth ETF ETF 922908736   393,846 1,026 SH   SOLE 0 0 0 0
Meta Platforms Inc Stock 30303M102   400,367 699 SH   SOLE 0 0 0 0
Palo Alto Networks Inc Stock 697435105   206,710 605 SH   SOLE 0 0 0 0
SPDR SSgA Multi-Asset Real Return ETF ETF 78467V103   1,075,701 37,429 SH   SOLE 0 0 0 0
Broadcom Inc Stock 11135F101   963,962 5,588 SH   SOLE 0 0 0 0
iShares Core MSCI Total Intl Stk ETF ETF 46432F834   788,568 10,857 SH   SOLE 0 0 0 0
Accenture PLC Stock G1151C101   385,400 1,090 SH   SOLE 0 0 0 0
The Kroger Co Stock 501044101   233,824 4,081 SH   SOLE 0 0 0 0
NVIDIA Corp Stock 67066G104   201,995 1,663 SH   SOLE 0 0 0 0
iShares 1-5 Year invmt Grd Corp Bd ETF ETF 464288646   243,452 4,623 SH   SOLE 0 0 0 0
EOG Resources Inc Stock 26875P101   253,355 2,061 SH   SOLE 0 0 0 0
AbbVie Inc Stock 00287Y109   788,870 3,995 SH   SOLE 0 0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   465,369 8,106 SH   SOLE 0 0 0 0
Vanguard FTSE All-Wld ex-US ETF ETF 922042775   773,896 12,284 SH   SOLE 0 0 0 0
Qualcomm Inc Stock 747525103   535,296 3,148 SH   SOLE 0 0 0 0
McDonald's Corp Stock 580135101   225,167 739 SH   SOLE 0 0 0 0
New Residential Investment Corp REIT 64828T201   363,101 31,991 SH   SOLE 0 0 0 0
Cisco Systems Inc Stock 17275R102   245,301 4,609 SH   SOLE 0 0 0 0
iShares Russell Mid-Cap ETF ETF 464287499   3,291,234 37,341 SH   SOLE 0 0 0 0
Strive 500 ETF ETF 02072L680   206,797 5,614 SH   SOLE 0 0 0 0
GE VERNOVA INC COM Stock 36828A101   363,613 1,426 SH   SOLE 0 0 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   628,789 10,555 SH   SOLE 0 0 0 0
General Electric Co Stock 369604301   1,099,594 5,831 SH   SOLE 0 0 0 0
SPDR Portfolio Short Term Treasury ETF ETF 78468R101   966,630 32,867 SH   SOLE 0 0 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   887,623 4,950 SH   SOLE 0 0 0 0
INNOVATOR EQUITY DEFINED PROTECTION ETF - 6MO JAN/JUL ETF 45783Y244   213,440 8,000 SH   SOLE 0 0 0 0
iShares S&P 500 Growth ETF ETF 464287309   205,863 2,150 SH   SOLE 0 0 0 0
iShares Core S&P 500 ETF ETF 464287200   121,442,995 210,539 SH   SOLE 0 0 0 0
iShares IBonds Dec. 2026 Corporate Bond ETF ETF 46435GAA0   1,052,715 43,322 SH   SOLE 0 0 0 0
Cintas Corp Stock 172908105   798,472 3,878 SH   SOLE 0 0 0 0
Northrop Grumman Corp Stock 666807102   319,122 604 SH   SOLE 0 0 0 0
Thermo Fisher Scientific Inc Stock 883556102   371,929 601 SH   SOLE 0 0 0 0
Lockheed Martin Corp Stock 539830109   1,455,526 2,490 SH   SOLE 0 0 0 0
JPMorgan Chase & Co Stock 46625H100   1,118,833 5,306 SH   SOLE 0 0 0 0
The Hartford Financial Services Group Inc Stock 416515104   376,352 3,200 SH   SOLE 0 0 0 0
Chevron Corp Stock 166764100   634,763 4,310 SH   SOLE 0 0 0 0
iShares National Muni Bond ETF ETF 464288414   1,385,211 12,752 SH   SOLE 0 0 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   536,571 10,160 SH   SOLE 0 0 0 0
Cincinnati Financial Corp Stock 172062101   277,034 2,035 SH   SOLE 0 0 0 0
TJX Companies Inc Stock 872540109   486,587 4,140 SH   SOLE 0 0 0 0
Walmart Inc Stock 931142103   770,608 9,543 SH   SOLE 0 0 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661   1,023,904 8,561 SH   SOLE 0 0 0 0
International Business Machines Corp Stock 459200101   349,879 1,583 SH   SOLE 0 0 0 0
Raytheon Technologies Corp Stock 75513E101   699,933 5,777 SH   SOLE 0 0 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   745,930 15,589 SH   SOLE 0 0 0 0
Target Corp Stock 87612E106   254,348 1,632 SH   SOLE 0 0 0 0
Alphabet Inc Stock 02079K107   390,392 2,335 SH   SOLE 0 0 0 0
Amgen Inc Stock 031162100   469,475 1,457 SH   SOLE 0 0 0 0
Otis Worldwide Corp Stock 68902V107   287,345 2,765 SH   SOLE 0 0 0 0
Williams Companies Inc Stock 969457100   547,745 11,999 SH   SOLE 0 0 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   311,604 1,573 SH   SOLE 0 0 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440   868,399 8,850 SH   SOLE 0 0 0 0
iShares Core US Aggregate Bond ETF ETF 464287226   692,233 6,836 SH   SOLE 0 0 0 0
Citizens Financial Group Inc Stock 174610105   278,020 6,769 SH   SOLE 0 0 0 0
BorgWarner Inc Stock 099724106   280,687 7,735 SH   SOLE 0 0 0 0
Hillenbrand Inc Stock 431571108   573,431 20,627 SH   SOLE 0 0 0 0
PNC Financial Services Group Inc Stock 693475105   223,129 1,207 SH   SOLE 0 0 0 0
Bristol-Myers Squibb Co Stock 110122108   366,099 7,076 SH   SOLE 0 0 0 0
Exxon Mobil Corp Stock 30231G102   521,222 4,447 SH   SOLE 0 0 0 0
Colgate-Palmolive Co Stock 194162103   426,950 4,113 SH   SOLE 0 0 0 0
PayPal Holdings Inc Stock 70450Y103   206,276 2,644 SH   SOLE 0 0 0 0
Charles Schwab Corp Stock 808513105   305,630 4,716 SH   SOLE 0 0 0 0
Crown Castle International Corp REIT 22822V101   333,938 2,815 SH   SOLE 0 0 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   19,919,235 319,628 SH   SOLE 0 0 0 0
iShares MSCI EAFE ETF ETF 464287465   725,489 8,675 SH   SOLE 0 0 0 0
Apple Inc Stock 037833100   5,377,149 23,078 SH   SOLE 0 0 0 0
iShares iBonds Dec. 2025 Corporate Bond ETF ETF 46434VBD1   1,045,040 41,635 SH   SOLE 0 0 0 0
iShares iBonds Dec. 2024 Corporate Bond ETF ETF 46434VBG4   925,096 36,696 SH   SOLE 0 0 0 0
Abbott Laboratories Stock 002824100   515,840 4,525 SH   SOLE 0 0 0 0
iShares Russell 1000 ETF ETF 464287622   218,611 695 SH   SOLE 0 0 0 0
iShares Russell 1000 Value ETF ETF 464287598   670,853 3,535 SH   SOLE 0 0 0 0
HERON THERAPEUTICS INC COM Stock 427746102   58,327 29,310 SH   SOLE 0 0 0 0