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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 61,428 2,295,507 SH   SOLE   0 0 2,295,507
ISHARES TR NATIONAL MUN ETF 464288414 241 2,081 SH   SOLE   0 0 2,081
MASTERCARD INCORPORATED CL A 57636Q104 428 1,267 SH   SOLE   0 0 1,267
SPDR S&P 500 ETF TR TR UNIT 78462F103 222 662 SH   SOLE   0 0 662
ABBOTT LABS COM 002824100 733 6,731 SH   SOLE   0 0 6,731
ISHARES TR TIPS BD ETF 464287176 491 3,881 SH   SOLE   0 0 3,881
SELECT SECTOR SPDR TR ENERGY 81369Y506 38,599 1,288,774 SH   SOLE   0 0 1,288,774
APPLE INC COM 037833100 1,618 13,969 SH   SOLE   0 0 13,969
HUNTINGTON BANCSHARES INC COM 446150104 170 18,555 SH   SOLE   0 0 18,555
AMAZON COM INC COM 023135106 2,110 670 SH   SOLE   0 0 670
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 255 1,129 SH   SOLE   0 0 1,129
MERCK & CO. INC COM 58933Y105 238 2,870 SH   SOLE   0 0 2,870
ORACLE CORP COM 68389X105 207 3,464 SH   SOLE   0 0 3,464
COMCAST CORP NEW CL A 20030N101 206 4,449 SH   SOLE   0 0 4,449
LCNB CORP COM 50181P100 421 30,869 SH   SOLE   0 0 30,869
ABBVIE INC COM 00287Y109 501 5,723 SH   SOLE   0 0 5,723
THERATECHNOLOGIES INC COM 88338H100 390 176,291 SH   SOLE   0 0 176,291
ISHARES INC CORE MSCI EMKT 46434G103 83,472 1,580,916 SH   SOLE   0 0 1,580,916
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 472 2,216 SH   SOLE   0 0 2,216
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 515 4,005 SH   SOLE   0 0 4,005
ISHARES TR CORE S&P TTL STK 464287150 1,331 17,635 SH   SOLE   0 0 17,635
CIVISTA BANCSHARES INC COM NO PAR 178867107 179 14,333 SH   SOLE   0 0 14,333
ILLINOIS TOOL WKS INC COM 452308109 263 1,362 SH   SOLE   0 0 1,362
ISHARES GOLD TRUST ISHARES 464285105 672 37,343 SH   SOLE   0 0 37,343
ISHARES TR CORE MSCI INTL 46435G326 220 4,076 SH   SOLE   0 0 4,076
SIRIUS XM HOLDINGS INC COM 82968B103 64 12,000 SH   SOLE   0 0 12,000
TESLA INC COM 88160R101 201 468 SH   SOLE   0 0 468
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,639 75,276 SH   SOLE   0 0 75,276
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 502 1,631 SH   SOLE   0 0 1,631
LANCASTER COLONY CORP COM 513847103 1,898 10,617 SH   SOLE   0 0 10,617
ISHARES TR RUS 1000 ETF 464287622 8,384 44,798 SH   SOLE   0 0 44,798
MICROSOFT CORP COM 594918104 1,068 5,079 SH   SOLE   0 0 5,079
MCDONALDS CORP COM 580135101 222 1,010 SH   SOLE   0 0 1,010
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 38,140 740,587 SH   SOLE   0 0 740,587
ALMADEN MINERALS LTD COM CL B 020283305 12 15,000 SH   SOLE   0 0 15,000
ISHARES TR CORE S&P500 ETF 464287200 689 2,051 SH   SOLE   0 0 2,051
ISHARES TR SHORT TREAS BD 464288679 7,060 63,779 SH   SOLE   0 0 63,779
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,122 11,175 SH   SOLE   0 0 11,175
JOHNSON & JOHNSON COM 478160104 207 1,389 SH   SOLE   0 0 1,389
AIR PRODS & CHEMS INC COM 009158106 327 1,097 SH   SOLE   0 0 1,097