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
ABBOTT LABS COM 002824100   540,496 4,923 SH   SOLE   0 0 4,923
ABBVIE INC COM 00287Y109   313,506 1,940 SH   SOLE   0 0 1,940
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   468,159 1,754 SH   SOLE   0 0 1,754
ADOBE SYSTEMS INCORPORATED COM 00724F101   364,114 1,082 SH   SOLE   0 0 1,082
ALPHABET INC CAP STK CL C 02079K107   680,914 7,674 SH   SOLE   0 0 7,674
ALPHABET INC CAP STK CL A 02079K305   469,472 5,321 SH   SOLE   0 0 5,321
AMAZON COM INC COM 023135106   929,811 11,069 SH   SOLE   0 0 11,069
AMBEV SA SPONSORED ADR 02319V103   57,857 20,776 SH   SOLE   0 0 20,776
AMERICAN INTL GROUP INC COM NEW 026874784   337,600 5,338 SH   SOLE   0 0 5,338
APPLE INC COM 037833100   1,430,789 11,012 SH   SOLE   0 0 11,012
AUTODESK INC COM 052769106   204,987 1,097 SH   SOLE   0 0 1,097
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   109,238 18,176 SH   SOLE   0 0 18,176
BANCO SANTANDER S.A. ADR 05964H105   68,998 23,389 SH   SOLE   0 0 23,389
BANK AMERICA CORP COM 060505104   493,448 14,899 SH   SOLE   0 0 14,899
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   791,835 2,563 SH   SOLE   0 0 2,563
BROWN FORMAN CORP CL A 115637100   211,881 3,212 SH   SOLE   0 0 3,212
BROWN FORMAN CORP CL B 115637209   65,714 998 SH   SOLE   0 0 998
CATERPILLAR INC COM 149123101   389,281 1,625 SH   SOLE   0 0 1,625
CHEVRON CORP NEW COM 166764100   401,233 2,235 SH   SOLE   0 0 2,235
CISCO SYS INC COM 17275R102   435,272 9,137 SH   SOLE   0 0 9,137
COCA COLA CO COM 191216100   233,798 3,675 SH   SOLE   0 0 3,675
CONOCOPHILLIPS COM 20825C104   330,490 2,799 SH   SOLE   0 0 2,799
DANAHER CORPORATION COM 235851102   210,874 794 SH   SOLE   0 0 794
DEERE & CO COM 244199105   3,047,693 7,107 SH   SOLE   0 0 7,107
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   189,338 15,951 SH   SOLE   0 0 15,951
EXXON MOBIL CORP COM 30231G102   369,151 3,347 SH   SOLE   0 0 3,347
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   670,529 25,123 SH   SOLE   0 0 25,123
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   4,994 112 SH   SOLE   0 0 112
GENERAL MTRS CO COM 37045V100   201,011 5,975 SH   SOLE   0 0 5,975
GOLDMAN SACHS GROUP INC COM 38141G104   388,015 1,130 SH   SOLE   0 0 1,130
HCA HEALTHCARE INC COM 40412C101   609,021 2,538 SH   SOLE   0 0 2,538
HOME DEPOT INC COM 437076102   524,628 1,661 SH   SOLE   0 0 1,661
HONEYWELL INTL INC COM 438516106   244,617 1,141 SH   SOLE   0 0 1,141
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   595,742 40,307 SH   SOLE   0 0 40,307
INVESCO QQQ TR UNIT SER 1 46090E103   248,439 933 SH   SOLE   0 0 933
ISHARES GOLD TR ISHARES NEW 464285204   295,399 8,540 SH   SOLE   0 0 8,540
ISHARES INC CORE MSCI EMKT 46434G103   722,741 15,476 SH   SOLE   0 0 15,476
ISHARES INC MSCI EMRG CHN 46434G764   322,226 6,788 SH   SOLE   0 0 6,788
ISHARES INC MSCI TAIWAN ETF 46434G772   6,024 150 SH   SOLE   0 0 150
ISHARES INC MSCI JPN ETF NEW 46434G822   54,440 1,000 SH   SOLE   0 0 1,000
ISHARES INC ESG AWR MSCI EM 46434G863   14,163 471 SH   SOLE   0 0 471
ISHARES TR S&P 100 ETF 464287101   1,194 7 SH   SOLE   0 0 7
ISHARES TR TIPS BD ETF 464287176   16,679 157 SH   SOLE   0 0 157
ISHARES TR CORE S&P500 ETF 464287200   1,083,876 2,821 SH   SOLE   0 0 2,821
ISHARES TR CORE US AGGBD ET 464287226   2,870,516 29,596 SH   SOLE   0 0 29,596
ISHARES TR MSCI EMG MKT ETF 464287234   193,138 5,096 SH   SOLE   0 0 5,096
ISHARES TR IBOXX INV CP ETF 464287242   174,170 1,652 SH   SOLE   0 0 1,652
ISHARES TR S&P 500 GRWT ETF 464287309   156,780 2,680 SH   SOLE   0 0 2,680
ISHARES TR S&P 500 VAL ETF 464287408   182,208 1,256 SH   SOLE   0 0 1,256
ISHARES TR MSCI EAFE ETF 464287465   5,152,018 78,489 SH   SOLE   0 0 78,489
ISHARES TR RUS MDCP VAL ETF 464287473   3,012,935 28,602 SH   SOLE   0 0 28,602
ISHARES TR RUS MD CP GR ETF 464287481   35,279 422 SH   SOLE   0 0 422
ISHARES TR RUS MID CAP ETF 464287499   729,472 10,815 SH   SOLE   0 0 10,815
ISHARES TR CORE S&P MCP ETF 464287507   160,615 664 SH   SOLE   0 0 664
ISHARES TR RUS 1000 VAL ETF 464287598   2,409,264 15,887 SH   SOLE   0 0 15,887
ISHARES TR RUS 1000 GRW ETF 464287614   3,407,487 15,905 SH   SOLE   0 0 15,905
ISHARES TR RUS 1000 ETF 464287622   225,256 1,070 SH   SOLE   0 0 1,070
ISHARES TR RUS 2000 VAL ETF 464287630   167,652 1,209 SH   SOLE   0 0 1,209
ISHARES TR RUS 2000 GRW ETF 464287648   110,478 515 SH   SOLE   0 0 515
ISHARES TR RUSSELL 2000 ETF 464287655   1,497,927 8,591 SH   SOLE   0 0 8,591
ISHARES TR RUSSELL 3000 ETF 464287689   3,814 17 SH   SOLE   0 0 17
ISHARES TR U.S. TECH ETF 464287721   81,523 1,094 SH   SOLE   0 0 1,094
ISHARES TR US HLTHCARE ETF 464287762   26,669 94 SH   SOLE   0 0 94
ISHARES TR U.S. ENERGY ETF 464287796   25,755 554 SH   SOLE   0 0 554
ISHARES TR CORE S&P SCP ETF 464287804   2,493,516 26,347 SH   SOLE   0 0 26,347
ISHARES TR EUROPE ETF 464287861   86,459 1,909 SH   SOLE   0 0 1,909
ISHARES TR S&P SML 600 GWT 464287887   22,911 212 SH   SOLE   0 0 212
ISHARES TR SHRT NAT MUN ETF 464288158   45,775 439 SH   SOLE   0 0 439
ISHARES TR GL CLEAN ENE ETF 464288224   12,109 610 SH   SOLE   0 0 610
ISHARES TR MSCI ACWI ETF 464288257   854,826 10,071 SH   SOLE   0 0 10,071
ISHARES TR EAFE SML CP ETF 464288273   56,367 998 SH   SOLE   0 0 998
ISHARES TR JPMORGAN USD EMG 464288281   3,011,658 35,603 SH   SOLE   0 0 35,603
ISHARES TR NATIONAL MUN ETF 464288414   163,662 1,551 SH   SOLE   0 0 1,551
ISHARES TR INTL SEL DIV ETF 464288448   529,348 19,490 SH   SOLE   0 0 19,490
ISHARES TR IBOXX HI YD ETF 464288513   2,424,120 32,923 SH   SOLE   0 0 32,923
ISHARES TR MBS ETF 464288588   287,466 3,099 SH   SOLE   0 0 3,099
ISHARES TR ISHS 5-10YR INVT 464288638   73,671 1,488 SH   SOLE   0 0 1,488
ISHARES TR ISHS 1-5YR INVS 464288646   25,956 521 SH   SOLE   0 0 521
ISHARES TR 10-20 YR TRS ETF 464288653   113,704 1,051 SH   SOLE   0 0 1,051
ISHARES TR 3 7 YR TREAS BD 464288661   23,093 201 SH   SOLE   0 0 201
ISHARES TR EAFE VALUE ETF 464288877   285,286 6,218 SH   SOLE   0 0 6,218
ISHARES TR EAFE GRWTH ETF 464288885   175,304 2,093 SH   SOLE   0 0 2,093
ISHARES TR US TREAS BD ETF 46429B267   121,681 5,356 SH   SOLE   0 0 5,356
ISHARES TR CORE HIGH DV ETF 46429B663   874,574 8,390 SH   SOLE   0 0 8,390
ISHARES TR MSCI USA MIN VOL 46429B697   346,576 4,807 SH   SOLE   0 0 4,807
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,266 44 SH   SOLE   0 0 44
ISHARES TR MSCI USA QLT FCT 46432F339   655,270 5,750 SH   SOLE   0 0 5,750
ISHARES TR MSCI USA VALUE 46432F388   24,061 264 SH   SOLE   0 0 264
ISHARES TR MSCI USA MMENTM 46432F396   65,305 448 SH   SOLE   0 0 448
ISHARES TR CORE MSCI EAFE 46432F842   1,352,681 21,945 SH   SOLE   0 0 21,945
ISHARES TR 0-5YR HI YL CP 46434V407   727,718 17,797 SH   SOLE   0 0 17,797
ISHARES TR CORE TOTAL USD 46434V613   557,958 12,418 SH   SOLE   0 0 12,418
ISHARES TR HDG MSCI JAPAN 46434V886   16,638 636 SH   SOLE   0 0 636
ISHARES TR CONV BD ETF 46435G102   33,767 486 SH   SOLE   0 0 486
ISHARES TR MSCI INTL VLU FT 46435G409   88,301 3,811 SH   SOLE   0 0 3,811
ISHARES TR ESG AWR MSCI USA 46435G425   479,793 5,661 SH   SOLE   0 0 5,661
ISHARES TR FALN ANGLS USD 46435G474   27,160 1,104 SH   SOLE   0 0 1,104
ISHARES TR ESG MSCI LEADR 46435U218   42,571 642 SH   SOLE   0 0 642
ISHARES TR US INFRASTRUC 46435U713   25,998 717 SH   SOLE   0 0 717
ISHARES TR BROAD USD HIGH 46435U853   114,743 3,323 SH   SOLE   0 0 3,323
ISHARES TR CORE DIVID ETF 46435U861   18,755 500 SH   SOLE   0 0 500
JOHNSON & JOHNSON COM 478160104   471,035 2,666 SH   SOLE   0 0 2,666
JPMORGAN CHASE & CO COM 46625H100   10,132,214 75,557 SH   SOLE   0 0 75,557
LCNB CORP COM 50181P100   417,564 23,198 SH   SOLE   0 0 23,198
LILLY ELI & CO COM 532457108   251,319 687 SH   SOLE   0 0 687
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   40,459 18,391 SH   SOLE   0 0 18,391
LOWES COS INC COM 548661107   207,601 1,042 SH   SOLE   0 0 1,042
MASTERCARD INCORPORATED CL A 57636Q104   337,347 970 SH   SOLE   0 0 970
MATADOR RES CO COM 576485205   941,598 16,450 SH   SOLE   0 0 16,450
MCDONALDS CORP COM 580135101   210,032 797 SH   SOLE   0 0 797
MERCK & CO INC COM 58933Y105   295,539 2,654 SH   SOLE   0 0 2,654
MICROSOFT CORP COM 594918104   4,179,652 17,428 SH   SOLE   0 0 17,428
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   37,459 13,190 SH   SOLE   0 0 13,190
MONDELEZ INTL INC CL A 609207105   206,338 3,080 SH   SOLE   0 0 3,080
MORGAN STANLEY COM NEW 617446448   8,632,846 101,539 SH   SOLE   0 0 101,539
NETFLIX INC COM 64110L106   405,745 1,376 SH   SOLE   0 0 1,376
NEXTERA ENERGY INC COM 65339F101   294,196 3,519 SH   SOLE   0 0 3,519
NORFOLK SOUTHN CORP COM 655844108   4,999,533 20,289 SH   SOLE   0 0 20,289
NVIDIA CORPORATION COM 67066G104   230,881 1,580 SH   SOLE   0 0 1,580
PEPSICO INC COM 713448108   409,056 2,259 SH   SOLE   0 0 2,259
PFIZER INC COM 717081103   338,645 6,609 SH   SOLE   0 0 6,609
PIMCO ETF TR INTER MUN BD ACT 72201R866   3,421,446 66,591 SH   SOLE   0 0 66,591
PINNACLE FINL PARTNERS INC COM 72346Q104   268,644 3,660 SH   SOLE   0 0 3,660
PRICE T ROWE GROUP INC COM 74144T108   331,659 3,041 SH   SOLE   0 0 3,041
PROCTER AND GAMBLE CO COM 742718109   593,661 3,917 SH   SOLE   0 0 3,917
PROSHARES TR S&P 500 DV ARIST 74348A467   1,036,235 11,515 SH   SOLE   0 0 11,515
SALESFORCE INC COM 79466L302   346,932 2,617 SH   SOLE   0 0 2,617
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   86,536 637 SH   SOLE   0 0 637
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   26,316 353 SH   SOLE   0 0 353
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   18,082 140 SH   SOLE   0 0 140
SELECT SECTOR SPDR TR ENERGY 81369Y506   39,362 450 SH   SOLE   0 0 450
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   55,199 1,614 SH   SOLE   0 0 1,614
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   48,418 493 SH   SOLE   0 0 493
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   17,546 141 SH   SOLE   0 0 141
SERVICENOW INC COM 81762P102   219,556 565 SH   SOLE   0 0 565
SHELL PLC SPON ADS 780259305   311,525 5,470 SH   SOLE   0 0 5,470
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   540,358 18,200 SH   SOLE   0 0 18,200
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,416,652 32,460 SH   SOLE   0 0 32,460
SPDR SER TR PORTFOLIO INTRMD 78464A375   68,530 2,153 SH   SOLE   0 0 2,153
SPDR SER TR PORTFOLIO SHORT 78464A474   11,018 375 SH   SOLE   0 0 375
SPDR SER TR S&P REGL BKG 78464A698   29,487 502 SH   SOLE   0 0 502
SPDR SER TR PORTFOLI S&P1500 78464A805   54,147 1,145 SH   SOLE   0 0 1,145
SPDR SER TR PORTFOLIO S&P500 78464A854   132,646 2,949 SH   SOLE   0 0 2,949
SPDR SER TR S&P BIOTECH 78464A870   20,750 250 SH   SOLE   0 0 250
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   136,334 16,999 SH   SOLE   0 0 16,999
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   279,490 3,739 SH   SOLE   0 0 3,739
TEXAS INSTRS INC COM 882508104   316,385 1,915 SH   SOLE   0 0 1,915
THERMO FISHER SCIENTIFIC INC COM 883556102   344,795 626 SH   SOLE   0 0 626
TRUIST FINL CORP COM 89832Q109   209,556 4,870 SH   SOLE   0 0 4,870
UNITEDHEALTH GROUP INC COM 91324P102   762,650 1,438 SH   SOLE   0 0 1,438
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   329,206 937 SH   SOLE   0 0 937
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   170,402 1,260 SH   SOLE   0 0 1,260
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,223,578 26,959 SH   SOLE   0 0 26,959
VANGUARD INDEX FDS SM CP VAL ETF 922908611   171,028 1,077 SH   SOLE   0 0 1,077
VANGUARD INDEX FDS MID CAP ETF 922908629   283,500 1,391 SH   SOLE   0 0 1,391
VANGUARD INDEX FDS GROWTH ETF 922908736   189,455 889 SH   SOLE   0 0 889
VANGUARD INDEX FDS VALUE ETF 922908744   47,024 335 SH   SOLE   0 0 335
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,066,000 5,808 SH   SOLE   0 0 5,808
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,382,581 7,231 SH   SOLE   0 0 7,231
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,318 42 SH   SOLE   0 0 42
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   526,815 13,515 SH   SOLE   0 0 13,515
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   45,389 785 SH   SOLE   0 0 785
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   37,437 532 SH   SOLE   0 0 532
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   209,456 3,800 SH   SOLE   0 0 3,800
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   171,346 2,930 SH   SOLE   0 0 2,930
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   47,804 718 SH   SOLE   0 0 718
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,540,046 19,869 SH   SOLE   0 0 19,869
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,847,642 91,676 SH   SOLE   0 0 91,676
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,189,011 10,988 SH   SOLE   0 0 10,988
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   523,322 8,785 SH   SOLE   0 0 8,785
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   337,036 5,527 SH   SOLE   0 0 5,527
VANGUARD WORLD FD MEGA GRWTH IND 921910816   24,778 144 SH   SOLE   0 0 144
VANGUARD WORLD FD MEGA CAP INDEX 921910873   414,942 3,134 SH   SOLE   0 0 3,134
VISA INC COM CL A 92826C839   566,760 2,728 SH   SOLE   0 0 2,728
WALMART INC COM 931142103   216,570 1,523 SH   SOLE   0 0 1,523