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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIR TRANSPORT SERVICES GRP I COM 00922R105 533 21,260 SH   SOLE   0 0 21,260
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 768 16,255 SH   SOLE   16,255 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,056 39,751 SH   SOLE   39,751 0 0
AMERICAN CENTY ETF TR US ML CP VALU 025072877 2,027 47,331 SH   SOLE   47,331 0 0
APPLE INC COM 037833100 6,777 58,518 SH   SOLE   0 0 58,518
CINCINNATI FINL CORP COM 172062101 6,944 89,061 SH   SOLE   0 0 89,061
COMCAST CORP NEW CL A 20030N101 596 12,884 SH   SOLE   0 0 12,884
CVS HEALTH CORP COM 126650100 2,900 49,651 SH   SOLE   0 0 49,651
FACEBOOK INC CL A 30303M102 3,996 15,256 SH   SOLE   0 0 15,256
FRANKLIN STR PPTYS CORP COM 35471R106 275 75,218 SH   SOLE   0 0 75,218
GENERAL ELECTRIC COM 369604103 301 48,306 SH   SOLE   0 0 48,306
I SHARES TR MSCI EMG MKT ETF 464287234 1,557 35,303 SH   SOLE   35,303 0 0
I SHARES TR MSCI EAFE INDEX 464287465 1,263 19,835 SH   SOLE   19,835 0 0
I SHARES TR CORE S&P TTL STK 464287150 35,997 476,843 SH   SOLE   476,843 0 0
I SHARES TR CORE S&P500 ETF 464287200 6,813 20,274 SH   SOLE   20,274 0 0
I SHARES TR RUS 1000 GRW ETF 464287614 6,008 27,703 SH   SOLE   27,703 0 0
I SHARES TR RUSSELL MCP GR 464287481 20,631 119,344 SH   SOLE   119,344 0 0
I SHARES TR RUSSELL 3000 464287689 14,507 74,124 SH   SOLE   74,124 0 0
INTEL CORP COM 458140100 756 14,602 SH   SOLE   0 0 14,602
ISHARES INC CORE MSCI EMKT 46434G103 1,398 26,482 SH   SOLE   26,482 0 0
ISHARES TR CORE MSCI EAFE 46432F842 80,961 1,343,077 SH   SOLE   1,343,077 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 353 16,798 SH   SOLE   16,798 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,203 25,468 SH   SOLE   25,468 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 454 42,144 SH   SOLE   0 0 42,144
KINDER MORGAN INC DEL COM 49456B101 287 23,234 SH   SOLE   0 0 23,234
PROCTER & GAMBLE CO COM 742718109 32,537 234,094 SH   SOLE   0 0 234,094
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 18,238 228,999 SH   SOLE   228,999 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 37,607 1,197,674 SH   SOLE   1,197,674 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,813 249,153 SH   SOLE   249,153 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 5,697 20,530 SH   SOLE   20,530 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,468 10,354 SH   SOLE   10,354 0 0
SPDR SER TR S&P BK ETF 78464A797 909 30,874 SH   SOLE   30,874 0 0
US BANCORP DEL COM NEW 902973304 1,474 41,122 SH   SOLE   0 0 41,122
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 121,862 1,467,336 SH   SOLE   1,467,336 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,283 20,634 SH   SOLE   20,634 0 0
VANGUARD INDEX FDS REIT ETF 922908553 101,533 1,285,874 SH   SOLE   1,285,874 0 0
VANGUARD INDEX FDS MID CAP GRW ETF 922908538 135,750 753,578 SH   SOLE   753,578 0 0
VANGUARD INDEX FDS STK MRK ETF 922908769 387,994 2,278,162 SH   SOLE   2,278,162 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 90,260 396,555 SH   SOLE   396,555 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,706 53,643 SH   SOLE   53,643 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 7,127 146,614 SH   SOLE   146,614 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,174 50,272 SH   SOLE   50,272 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,168 12,194 SH   SOLE   12,194 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,559 49,045 SH   SOLE   49,045 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 141,345 3,455,856 SH   SOLE   3,455,856 0 0
WESBANCO INC COM 950810101 714 33,443 SH   SOLE   0 0 33,443
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,708 81,000 SH   SOLE   81,000 0 0