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   247,288 2,169 SH   SOLE   0 0 2,169
ABBVIE INC COM 00287Y109   445,515 2,256 SH   SOLE   0 0 2,256
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,197,590 3,388 SH   SOLE   0 0 3,388
ALPHABET INC CAP STK CL C 02079K107   504,412 3,017 SH   SOLE   0 0 3,017
ALPHABET INC CAP STK CL A 02079K305   1,097,098 6,615 SH   SOLE   0 0 6,615
AMAZON COM INC COM 023135106   1,293,384 6,941 SH   SOLE   0 0 6,941
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,051,644 15,689 SH   SOLE   15,689 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,744,773 81,290 SH   SOLE   81,290 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   25,104,098 388,608 SH   SOLE   388,608 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   556,273 8,450 SH   SOLE   8,450 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   805,635 8,467 SH   SOLE   8,467 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   215,588,418 2,246,883 SH   SOLE   2,246,883 0 0
AMGEN INC COM 031162100   207,181 643 SH   SOLE   0 0 643
APPLE INC COM 037833100   4,159,703 17,853 SH   SOLE   0 0 17,853
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,073,540 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,590,804 5,629 SH   SOLE   0 0 5,629
BROADCOM INC COM 11135F101   652,395 3,782 SH   SOLE   0 0 3,782
CHEVRON CORP NEW COM 166764100   202,791 1,377 SH   SOLE   0 0 1,377
CINCINNATI FINL CORP COM 172062101   556,322 4,087 SH   SOLE   0 0 4,087
COSTCO WHSL CORP NEW COM 22160K105   464,536 524 SH   SOLE   0 0 524
DENTSPLY SIRONA INC COM 24906P109   0 110,000 SH   SOLE   0 0 110,000
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   1,413,006 22,308 SH   SOLE   22,308 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   201,419 5,874 SH   SOLE   5,874 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   82,644,842 1,485,616 SH   SOLE   1,485,616 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   10,249,089 379,455 SH   SOLE   379,455 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   452,779,150 10,483,426 SH   SOLE   10,483,426 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   124,923,960 4,437,796 SH   SOLE   4,437,796 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   55,544,510 1,973,863 SH   SOLE   1,973,863 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   63,410,388 2,058,111 SH   SOLE   2,058,111 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   126,745,221 2,611,150 SH   SOLE   2,611,150 0 0
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   1,129,450 31,887 SH   SOLE   31,887 0 0
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   2,617,937 73,258 SH   SOLE   73,258 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILITY 25434V716   2,601,612 69,973 SH   SOLE   69,973 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   20,273,242 658,222 SH   SOLE   658,222 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,481,728 23,822 SH   SOLE   23,822 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   76,018,032 1,823,412 SH   SOLE   1,823,412 0 0
DISNEY WALT CO COM 254687106   227,543 2,366 SH   SOLE   0 0 2,366
ELEVANCE HEALTH INC COM 036752103   513,240 987 SH   SOLE   0 0 987
ELI LILLY & CO COM 532457108   409,304 462 SH   SOLE   0 0 462
EMERSON ELEC CO COM 291011104   5,895,633 53,905 SH   SOLE   0 0 53,905
EXXON MOBIL CORP COM 30231G102   800,910 6,833 SH   SOLE   0 0 6,833
GENERAL ELECTRIC CO COM NEW 369604301   437,506 2,320 SH   SOLE   0 0 2,320
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   2,023,565 112,171 SH   SOLE   112,171 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   642,290 5,687 SH   SOLE   5,687 0 0
HOME DEPOT INC COM 437076102   771,906 1,905 SH   SOLE   0 0 1,905
ILLINOIS TOOL WKS INC COM 452308109   272,291 1,039 SH   SOLE   0 0 1,039
INTERNATIONAL BUSINESS MACHS COM 459200101   292,047 1,321 SH   SOLE   0 0 1,321
INTUIT COM 461202103   471,339 759 SH   SOLE   0 0 759
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   200,527 4,078 SH   SOLE   4,078 0 0
INVESCO QQQ TR UNIT SER 1 46090e103   938,322 1,923 SH   SOLE   1,923 0 0
ISHARES INC CORE MSCI EMKT 46434G103   635,173 11,064 SH   SOLE   11,064 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,440,098 31,402 SH   SOLE   31,402 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,188,717 14,214 SH   SOLE   14,214 0 0
ISHARES TR JPMORGAN USD EMG 464288281   274,281 2,931 SH   SOLE   2,931 0 0
ISHARES TR CORE MSCI EAFE 46432F842   135,797,956 1,739,884 SH   SOLE   1,739,884 0 0
ISHARES TR CORE S&P MCP ETF 464287507   801,248 12,857 SH   SOLE   12,857 0 0
ISHARES TR S&P MC 400GR ETF 464287606   830,087 9,030 SH   SOLE   9,030 0 0
ISHARES TR CORE S&P SCP ETF 464287804   752,175 6,431 SH   SOLE   6,431 0 0
ISHARES TR CORE S&P TTL STK 464287150   43,168,758 343,646 SH   SOLE   343,646 0 0
ISHARES TR S&P 500 VAL ETF 464287408   3,761,268 19,076 SH   SOLE   19,076 0 0
ISHARES TR CORE S&P500 ETF 464287200   351,466,610 609,318 SH   SOLE   609,318 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   3,780,801 39,486 SH   SOLE   39,486 0 0
ISHARES TR RUS 1000 ETF 464287622   1,371,998 4,364 SH   SOLE   4,364 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   498,507 2,626 SH   SOLE   2,626 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   9,430,348 25,122 SH   SOLE   25,122 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   417,261 1,889 SH   SOLE   1,889 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   456,733 2,738 SH   SOLE   2,738 0 0
ISHARES TR RUS MD CP GR ETF 464287481   28,397,522 242,114 SH   SOLE   242,114 0 0
ISHARES TR RUS MID CAP ETF 464287499   371,863 4,219 SH   SOLE   4,219 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   1,173,384 8,872 SH   SOLE   8,872 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   19,845,215 60,739 SH   SOLE   60,739 0 0
ISHARES TR NATIONAL MUN ETF 464288414   482,558 4,442 SH   SOLE   4,442 0 0
ISHARES TR EAFE SML CP ETF 464288273   887,965 13,116 SH   SOLE   13,116 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   37,866,186 356,589 SH   SOLE   356,589 0 0
ISHARES TR MSCI USA MIN VOL 46429b697   282,878 3,098 SH   SOLE   3,098 0 0
JOHNSON & JOHNSON COM 478160104   793,932 4,899 SH   SOLE   0 0 4,899
JPMORGAN CHASE & CO COM 46625H100   487,930 2,314 SH   SOLE   0 0 2,314
META PLATFORMS INC CL A 30303M102   405,860 709 SH   SOLE   0 0 709
MICROSOFT CORP COM 594918104   3,243,601 7,538 SH   SOLE   0 0 7,538
NVIDIA CORPORATION COM 67066G104   2,000,117 16,470 SH   SOLE   0 0 16,470
PEPSICO INC COM 713448108   353,874 2,081 SH   SOLE   0 0 2,081
PIPER SANDLER COMPANIES COM 724078100   551,727 1,944 SH   SOLE   0 0 1,944
PNC FINL SVCS GROUP INC COM 693475105   313,321 1,695 SH   SOLE   0 0 1,695
PROCTER AND GAMBLE CO COM 742718109   21,282,533 122,878 SH   SOLE   0 0 122,878
RPM INTL INC COM 749685103   535,788 4,428 SH   SOLE   0 0 4,428
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   26,279,377 395,060 SH   SOLE   395,060 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   85,692,177 2,083,954 SH   SOLE   2,083,954 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   516,734 4,960 SH   SOLE   4,960 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   220,705 9,525 SH   SOLE   9,525 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   290,475 3,614 SH   SOLE   3,614 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,477,458 95,467 SH   SOLE   95,467 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,861,660 11,959 SH   SOLE   11,959 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   735,431 1,291 SH   SOLE   1,291 0 0
SPDR SER TR S&P DIVID ETF 78464A763   522,281 3,677 SH   SOLE   3,677 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   397,731 5,677 SH   SOLE   5,677 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   427,387 8,085 SH   SOLE   8,085 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   278,593 5,949 SH   SOLE   5,949 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   207,840 336 SH   SOLE   0 0 336
UNITED STS OIL FD LP UNITS 91232N207   261,011 3,733 SH   SOLE   0 0 3,733
UNITEDHEALTH GROUP INC COM 91324P102   632,624 1,082 SH   SOLE   0 0 1,082
US BANCORP DEL COM NEW 902973304   246,119 5,382 SH   SOLE   0 0 5,382
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,922,466 18,200 SH   SOLE   18,200 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,126,062 14,992 SH   SOLE   14,992 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   473,238,797 6,013,964 SH   SOLE   6,013,964 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   889,083 3,748 SH   SOLE   3,748 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,775,144 6,639 SH   SOLE   6,639 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,064,773 25,225 SH   SOLE   25,225 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,017,471 20,709 SH   SOLE   20,709 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,556,333 5,899 SH   SOLE   5,899 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,024,631 6,111 SH   SOLE   6,111 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,508,599 6,649 SH   SOLE   6,649 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   248,814,458 1,021,951 SH   SOLE   1,021,951 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   358,119,060 1,264,723 SH   SOLE   1,264,723 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,395,080 13,720 SH   SOLE   13,720 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   161,668,519 421,089 SH   SOLE   421,089 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   66,169,064 251,316 SH   SOLE   251,316 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   349,211 1,919 SH   SOLE   1,919 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,129,274 33,798 SH   SOLE   33,798 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,203,933 66,958 SH   SOLE   66,958 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,603,523 61,056 SH   SOLE   61,056 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   360,458 1,820 SH   SOLE   1,820 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,902,960 44,840 SH   SOLE   44,840 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858   273,502,736 5,178,995 SH   SOLE   5,178,995 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   879,925 8,656 SH   SOLE   8,656 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   650,407 10,574 SH   SOLE   10,574 0 0
VISA INC COM CL A 92826C839   552,375 2,009 SH   SOLE   0 0 2,009
ZOVIO INC COM 98979V102   0 48,484 SH   SOLE   0 0 48,484