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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Amazon.com Inc Stock 023135106   329,383 1,501 SH   SOLE   0 0 0
Anthem Inc Stock 036752103   332,379 901 SH   SOLE   0 0 0
iShares Core International Aggt Bd ETF ETF 46435G672   283,030 5,670 SH   SOLE   0 0 0
Johnson & Johnson Stock 478160104   1,038,057 7,178 SH   SOLE   0 0 0
Vanguard Total Stock Market ETF ETF 922908769   2,309,245 7,968 SH   SOLE   0 0 0
iShares MSCI Emerging Markets ETF ETF 464287234   471,859 11,283 SH   SOLE   0 0 0
Shell PLC ADR 780259305   227,334 3,629 SH   SOLE   0 0 0
Procter & Gamble Co Stock 742718109   8,022,866 47,855 SH   SOLE   0 0 0
United Parcel Service Inc Stock 911312106   235,082 1,864 SH   SOLE   0 0 0
Vanguard Real Estate ETF ETF 922908553   439,981 4,939 SH   SOLE   0 0 0
Merck & Co Inc Stock 58933Y105   640,454 6,438 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   226,519 2,148 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   1,232,264 2,103 SH   SOLE   0 0 0
Illinois Tool Works Inc Stock 452308109   288,890 1,139 SH   SOLE   0 0 0
iShares Core US REIT ETF ETF 464288521   204,615 3,570 SH   SOLE   0 0 0
American Financial Group Inc Stock 025932104   355,392 2,595 SH   SOLE   0 0 0
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF ETF 00162Q395   222,125 5,081 SH   SOLE   0 0 0
Verizon Communications Inc Stock 92343V104   411,062 10,279 SH   SOLE   0 0 0
PepsiCo Inc Stock 713448108   448,274 2,948 SH   SOLE   0 0 0
Trane Technologies PLC Stock G8994E103   553,624 1,499 SH   SOLE   0 0 0
U.S. Bancorp Stock 902973304   325,449 6,804 SH   SOLE   0 0 0
The Home Depot Inc Stock 437076102   1,001,391 2,574 SH   SOLE   0 0 0
Automatic Data Processing Inc Stock 053015103   421,462 1,440 SH   SOLE   0 0 0
Southern Co Stock 842587107   209,255 2,542 SH   SOLE   0 0 0
iShares Russell 1000 Growth ETF ETF 464287614   3,252,959 8,100 SH   SOLE   0 0 0
Schwab US Broad Market ETF ETF 808524102   624,905 27,529 SH   SOLE   0 0 0
Schwab International Equity ETF ETF 808524805   445,724 24,093 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   25,513,766 221,435 SH   SOLE   0 0 0
iShares iBonds Dec 2027 Term Corp ETF ETF 46435UAA9   970,394 40,501 SH   SOLE   0 0 0
Berkshire Hathaway Inc Stock 084670702   834,424 1,841 SH   SOLE   0 0 0
Adobe Inc Stock 00724F101   247,509 557 SH   SOLE   0 0 0
Alphabet Inc Stock 02079K305   990,461 5,232 SH   SOLE   0 0 0
Fiserv Inc Stock 337738108   455,827 2,219 SH   SOLE   0 0 0
CSX Corp Stock 126408103   928,602 28,776 SH   SOLE   0 0 0
Comcast Corp Stock 20030N101   297,647 7,931 SH   SOLE   0 0 0
Microsoft Corp Stock 594918104   2,826,693 6,706 SH   SOLE   0 0 0
First Trust TCW Unconstrained Plus Bond ETF ETF 33740F888   325,477 13,204 SH   SOLE   0 0 0
Ameriprise Financial Inc Stock 03076C106   249,645 469 SH   SOLE   0 0 0
Vanguard Small-Cap ETF ETF 922908751   417,647 1,738 SH   SOLE   0 0 0
NextEra Energy Inc Stock 65339F101   295,558 4,123 SH   SOLE   0 0 0
iShares iBonds Dec 2028 Term Corporate ETF ETF 46435U515   948,158 38,079 SH   SOLE   0 0 0
VICTORYSHARES CORE INTERMEDIATE BOND ETF ETF 92647N527   935,631 20,358 SH   SOLE   0 0 0
Norfolk Southern Corp Stock 655844108   404,882 1,725 SH   SOLE   0 0 0
iShares iBonds Dec 2025 Term Muni Bd ETF ETF 46435U432   403,487 15,160 SH   SOLE   0 0 0
VICTORYSHARES SHORT-TERM BOND ETF ETF 92647N535   670,899 13,365 SH   SOLE   0 0 0
Vanguard S&P 500 ETF ETF 922908363   1,642,873 3,049 SH   SOLE   0 0 0
iShares iBonds Dec 2026 Term Muni Bond ETF ETF 46435U259   215,234 8,454 SH   SOLE   0 0 0
Fifth Third Bancorp Stock 316773100   232,803 5,506 SH   SOLE   0 0 0
LCNB Corp Stock 50181P100   1,133,125 74,893 SH   SOLE   0 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   509,517 2,908 SH   SOLE   0 0 0
iShares iBonds Dec 2027 Term Muni Bd ETF ETF 46435U283   214,796 8,544 SH   SOLE   0 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   776,296 8,017 SH   SOLE   0 0 0
Air Products & Chemicals Inc Stock 009158106   313,043 1,079 SH   SOLE   0 0 0
iShares Russell 2000 ETF ETF 464287655   1,107,190 5,011 SH   SOLE   0 0 0
Duke Energy Corp Stock 26441C204   380,811 3,535 SH   SOLE   0 0 0
Carrier Global Corp Stock 14448C104   377,776 5,534 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   301,517 4,307 SH   SOLE   0 0 0
EV Tax-Mgd Gbl Div Equity Income CEF 27829F108   207,897 25,446 SH   SOLE   0 0 0
iShares MSCI EAFE Value ETF ETF 464288877   668,666 12,744 SH   SOLE   0 0 0
Energy Transfer LP Stock 29273V100   630,247 32,172 SH   SOLE   0 0 0
Visa Inc Stock 92826C839   416,612 1,318 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   264,600 2,980 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   421,151 1,026 SH   SOLE   0 0 0
Meta Platforms Inc Stock 30303M102   453,127 774 SH   SOLE   0 0 0
Palo Alto Networks Inc Stock 697435105   249,383 1,371 SH   SOLE   0 0 0
SPDR SSgA Multi-Asset Real Return ETF ETF 78467V103   1,079,101 39,937 SH   SOLE   0 0 0
Broadcom Inc Stock 11135F101   1,154,116 4,978 SH   SOLE   0 0 0
iShares Core MSCI Total Intl Stk ETF ETF 46432F834   730,939 11,051 SH   SOLE   0 0 0
Accenture PLC Stock G1151C101   347,389 987 SH   SOLE   0 0 0
NVIDIA Corp Stock 67066G104   345,445 2,572 SH   SOLE   0 0 0
iShares 1-5 Year invmt Grd Corp Bd ETF ETF 464288646   242,376 4,688 SH   SOLE   0 0 0
EOG Resources Inc Stock 26875P101   252,399 2,059 SH   SOLE   0 0 0
AbbVie Inc Stock 00287Y109   690,031 3,883 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   367,499 7,038 SH   SOLE   0 0 0
Vanguard FTSE All-Wld ex-US ETF ETF 922042775   609,224 10,612 SH   SOLE   0 0 0
Qualcomm Inc Stock 747525103   499,026 3,248 SH   SOLE   0 0 0
McDonald's Corp Stock 580135101   215,396 743 SH   SOLE   0 0 0
New Residential Investment Corp REIT 64828T201   295,248 27,262 SH   SOLE   0 0 0
Cisco Systems Inc Stock 17275R102   273,118 4,613 SH   SOLE   0 0 0
iShares Russell Mid-Cap ETF ETF 464287499   1,805,320 20,422 SH   SOLE   0 0 0
Strive 500 ETF ETF 02072L680   212,801 5,630 SH   SOLE   0 0 0
GE VERNOVA INC COM Stock 36828A101   471,028 1,432 SH   SOLE   0 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   627,141 21,116 SH   SOLE   0 0 0
General Electric Co Stock 369604301   797,707 4,783 SH   SOLE   0 0 0
SPDR Portfolio Short Term Treasury ETF ETF 78468R101   1,109,094 38,231 SH   SOLE   0 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   860,248 4,831 SH   SOLE   0 0 0
INNOVATOR EQUITY DEFINED PROTECTION ETF - 6MO JAN/JUL ETF 45783Y244   218,160 8,000 SH   SOLE   0 0 0
iShares S&P 500 Growth ETF ETF 464287309   218,559 2,153 SH   SOLE   0 0 0
iShares Core S&P 500 ETF ETF 464287200   128,320,511 217,980 SH   SOLE   0 0 0
iShares IBonds Dec. 2026 Corporate Bond ETF ETF 46435GAA0   971,931 40,379 SH   SOLE   0 0 0
Cintas Corp Stock 172908105   709,593 3,884 SH   SOLE   0 0 0
Northrop Grumman Corp Stock 666807102   282,241 601 SH   SOLE   0 0 0
Thermo Fisher Scientific Inc Stock 883556102   303,193 583 SH   SOLE   0 0 0
Lockheed Martin Corp Stock 539830109   1,209,967 2,490 SH   SOLE   0 0 0
JPMorgan Chase & Co Stock 46625H100   1,241,136 5,178 SH   SOLE   0 0 0
The Hartford Financial Services Group Inc Stock 416515104   350,080 3,200 SH   SOLE   0 0 0
Chevron Corp Stock 166764100   602,387 4,159 SH   SOLE   0 0 0
iShares National Muni Bond ETF ETF 464288414   1,391,345 13,058 SH   SOLE   0 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   503,186 10,522 SH   SOLE   0 0 0
Cincinnati Financial Corp Stock 172062101   307,359 2,139 SH   SOLE   0 0 0
TJX Companies Inc Stock 872540109   495,428 4,101 SH   SOLE   0 0 0
Walmart Inc Stock 931142103   838,009 9,275 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661   988,467 8,554 SH   SOLE   0 0 0
International Business Machines Corp Stock 459200101   340,229 1,548 SH   SOLE   0 0 0
Raytheon Technologies Corp Stock 75513E101   669,974 5,790 SH   SOLE   0 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   676,826 15,368 SH   SOLE   0 0 0
Target Corp Stock 87612E106   218,103 1,613 SH   SOLE   0 0 0
Alphabet Inc Stock 02079K107   459,702 2,414 SH   SOLE   0 0 0
Amgen Inc Stock 031162100   385,935 1,481 SH   SOLE   0 0 0
Otis Worldwide Corp Stock 68902V107   256,172 2,766 SH   SOLE   0 0 0
Williams Companies Inc Stock 969457100   601,473 11,114 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   308,411 1,575 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440   817,647 8,844 SH   SOLE   0 0 0
iShares Core US Aggregate Bond ETF ETF 464287226   895,853 9,245 SH   SOLE   0 0 0
Citizens Financial Group Inc Stock 174610105   292,801 6,691 SH   SOLE   0 0 0
Hillenbrand Inc Stock 431571108   634,899 20,627 SH   SOLE   0 0 0
PNC Financial Services Group Inc Stock 693475105   233,429 1,210 SH   SOLE   0 0 0
Bristol-Myers Squibb Co Stock 110122108   405,020 7,161 SH   SOLE   0 0 0
Exxon Mobil Corp Stock 30231G102   470,475 4,374 SH   SOLE   0 0 0
Colgate-Palmolive Co Stock 194162103   374,051 4,115 SH   SOLE   0 0 0
Charles Schwab Corp Stock 808513105   353,806 4,781 SH   SOLE   0 0 0
Crown Castle International Corp REIT 22822V101   257,350 2,836 SH   SOLE   0 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   21,344,910 342,560 SH   SOLE   0 0 0
iShares MSCI EAFE ETF ETF 464287465   666,513 8,815 SH   SOLE   0 0 0
Apple Inc Stock 037833100   5,797,864 23,153 SH   SOLE   0 0 0
iShares iBonds Dec. 2025 Corporate Bond ETF ETF 46434VBD1   995,414 39,737 SH   SOLE   0 0 0
Abbott Laboratories Stock 002824100   511,355 4,521 SH   SOLE   0 0 0
iShares Russell 1000 ETF ETF 464287622   225,961 701 SH   SOLE   0 0 0
iShares Russell 1000 Value ETF ETF 464287598   651,817 3,521 SH   SOLE   0 0 0