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
ABBOTT LABS COM 002824100 1,201 8,534 SH   SOLE   0 0 8,534
ABBVIE INC COM 00287Y109 821 6,062 SH   SOLE   0 0 6,062
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,306 3,150 SH   SOLE   0 0 3,150
ACTIVISION BLIZZARD INC COM 00507V109 263 3,950 SH   SOLE   0 0 3,950
AGILON HEALTH INC COM 00857U107 1,328 49,195 SH   SOLE   0 0 49,195
AIR PRODS & CHEMS INC COM 009158106 358 1,178 SH   SOLE   0 0 1,178
ALMADEN MINERALS LTD COM CL B 020283305 4 15,000 SH   SOLE   0 0 15,000
ALPHABET INC CAP STK CL C 02079K107 443 153 SH   SOLE   0 0 153
ALPHABET INC CAP STK CL A 02079K305 1,283 443 SH   SOLE   0 0 443
AMAZON COM INC COM 023135106 2,197 659 SH   SOLE   0 0 659
AMERICAN ELEC PWR CO INC COM 025537101 339 3,809 SH   SOLE   0 0 3,809
AMERICAN EXPRESS CO COM 025816109 675 4,123 SH   SOLE   0 0 4,123
AMERIPRISE FINL INC COM 03076C106 270 894 SH   SOLE   0 0 894
APPLE INC COM 037833100 5,080 28,610 SH   SOLE   0 0 28,610
APPLIED MATLS INC COM 038222105 292 1,855 SH   SOLE   0 0 1,855
AVALONBAY CMNTYS INC COM 053484101 459 1,817 SH   SOLE   0 0 1,817
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,068 3,573 SH   SOLE   0 0 3,573
BK OF AMERICA CORP COM 060505104 398 8,954 SH   SOLE   0 0 8,954
BLACKROCK INC COM 09247X101 354 387 SH   SOLE   0 0 387
BROADCOM INC COM 11135F101 224 337 SH   SOLE   0 0 337
CAPITAL ONE FINL CORP COM 14040H105 507 3,495 SH   SOLE   0 0 3,495
CATERPILLAR INC COM 149123101 534 2,583 SH   SOLE   0 0 2,583
CHARTER COMMUNICATIONS INC N CL A 16119P108 517 793 SH   SOLE   0 0 793
CHEVRON CORP NEW COM 166764100 653 5,568 SH   SOLE   0 0 5,568
CHIPOTLE MEXICAN GRILL INC COM 169656105 446 255 SH   SOLE   0 0 255
CHUBB LIMITED COM H1467J104 636 3,290 SH   SOLE   0 0 3,290
CHURCHILL DOWNS INC COM 171484108 213 885 SH   SOLE   0 0 885
CISCO SYS INC COM 17275R102 367 5,791 SH   SOLE   0 0 5,791
CIVISTA BANCSHARES INC COM NO PAR 178867107 203 8,333 SH   SOLE   0 0 8,333
COCA COLA CO COM 191216100 301 5,087 SH   SOLE   0 0 5,087
COMCAST CORP NEW CL A 20030N101 352 6,985 SH   SOLE   0 0 6,985
COSTCO WHSL CORP NEW COM 22160K105 853 1,502 SH   SOLE   0 0 1,502
CROWN CASTLE INTL CORP NEW COM 22822V101 598 2,866 SH   SOLE   0 0 2,866
CVS HEALTH CORP COM 126650100 301 2,918 SH   SOLE   0 0 2,918
D R HORTON INC COM 23331A109 848 7,822 SH   SOLE   0 0 7,822
DANAHER CORPORATION COM 235851102 453 1,376 SH   SOLE   0 0 1,376
DEERE & CO COM 244199105 348 1,014 SH   SOLE   0 0 1,014
DELTA AIR LINES INC DEL COM NEW 247361702 323 8,277 SH   SOLE   0 0 8,277
DISNEY WALT CO COM 254687106 425 2,745 SH   SOLE   0 0 2,745
DOW INC COM 260557103 207 3,641 SH   SOLE   0 0 3,641
DUKE ENERGY CORP NEW COM NEW 26441C204 253 2,410 SH   SOLE   0 0 2,410
ECOLAB INC COM 278865100 250 1,067 SH   SOLE   0 0 1,067
EDWARDS LIFESCIENCES CORP COM 28176E108 598 4,613 SH   SOLE   0 0 4,613
EMERSON ELEC CO COM 291011104 437 4,700 SH   SOLE   0 0 4,700
FISERV INC COM 337738108 524 5,050 SH   SOLE   0 0 5,050
FORD MTR CO DEL COM 345370860 356 17,136 SH   SOLE   0 0 17,136
GENERAL MTRS CO COM 37045V100 275 4,691 SH   SOLE   0 0 4,691
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,079 10,781 SH   SOLE   0 0 10,781
HILTON WORLDWIDE HLDGS INC COM 43300A203 326 2,089 SH   SOLE   0 0 2,089
HOME DEPOT INC COM 437076102 862 2,078 SH   SOLE   0 0 2,078
HONEYWELL INTL INC COM 438516106 218 1,046 SH   SOLE   0 0 1,046
HUNTINGTON BANCSHARES INC COM 446150104 293 19,011 SH   SOLE   0 0 19,011
ILLINOIS TOOL WKS INC COM 452308109 1,079 4,370 SH   SOLE   0 0 4,370
INTEL CORP COM 458140100 329 6,380 SH   SOLE   0 0 6,380
INTERNATIONAL BUSINESS MACHS COM 459200101 277 2,070 SH   SOLE   0 0 2,070
INTUITIVE SURGICAL INC COM NEW 46120E602 727 2,024 SH   SOLE   0 0 2,024
ISHARES GOLD TR ISHARES NEW 464285204 903 25,932 SH   SOLE   0 0 25,932
ISHARES INC CORE MSCI EMKT 46434G103 106,288 1,775,613 SH   SOLE   0 0 1,775,613
ISHARES TR CORE MSCI EAFE 46432F842 1,297 17,378 SH   SOLE   0 0 17,378
ISHARES TR CORE MSCI INTL 46435G326 275 4,076 SH   SOLE   0 0 4,076
ISHARES TR SHORT TREAS BD 464288679 1,719 15,571 SH   SOLE   0 0 15,571
ISHARES TR CORE S&P TTL STK 464287150 1,801 16,835 SH   SOLE   0 0 16,835
ISHARES TR TIPS BD ETF 464287176 527 4,080 SH   SOLE   0 0 4,080
ISHARES TR MSCI EAFE ETF 464287465 685 8,703 SH   SOLE   0 0 8,703
ISHARES TR CORE S&P MCP ETF 464287507 1,534 5,418 SH   SOLE   0 0 5,418
ISHARES TR S&P MC 400VL ETF 464287705 123,174 1,112,888 SH   SOLE   0 0 1,112,888
ISHARES TR CORE S&P SCP ETF 464287804 286 2,499 SH   SOLE   0 0 2,499
ISHARES TR CORE S&P500 ETF 464287200 1,123 2,354 SH   SOLE   0 0 2,354
ISHARES TR RUS 1000 ETF 464287622 10,411 39,371 SH   SOLE   0 0 39,371
JOHNSON & JOHNSON COM 478160104 554 3,238 SH   SOLE   0 0 3,238
JPMORGAN CHASE & CO COM 46625H100 1,118 7,060 SH   SOLE   0 0 7,060
KIMBERLY-CLARK CORP COM 494368103 408 2,855 SH   SOLE   0 0 2,855
LANCASTER COLONY CORP COM 513847103 2,284 13,795 SH   SOLE   0 0 13,795
LILLY ELI & CO COM 532457108 353 1,277 SH   SOLE   0 0 1,277
LOWES COS INC COM 548661107 385 1,491 SH   SOLE   0 0 1,491
LULULEMON ATHLETICA INC COM 550021109 226 578 SH   SOLE   0 0 578
M & T BK CORP COM 55261F104 354 2,302 SH   SOLE   0 0 2,302
MACYS INC COM 55616P104 212 8,084 SH   SOLE   0 0 8,084
MASTERCARD INCORPORATED CL A 57636Q104 1,274 3,546 SH   SOLE   0 0 3,546
MCDONALDS CORP COM 580135101 467 1,743 SH   SOLE   0 0 1,743
MEDTRONIC PLC SHS G5960L103 484 4,681 SH   SOLE   0 0 4,681
MERCK & CO INC COM 58933Y105 432 5,641 SH   SOLE   0 0 5,641
META PLATFORMS INC CL A 30303M102 660 1,963 SH   SOLE   0 0 1,963
METLIFE INC COM 59156R108 220 3,516 SH   SOLE   0 0 3,516
MICROSOFT CORP COM 594918104 3,696 10,988 SH   SOLE   0 0 10,988
MORGAN STANLEY COM NEW 617446448 456 4,644 SH   SOLE   0 0 4,644
NETFLIX INC COM 64110L106 275 457 SH   SOLE   0 0 457
NEXTERA ENERGY INC COM 65339F101 992 10,623 SH   SOLE   0 0 10,623
NORFOLK SOUTHN CORP COM 655844108 248 833 SH   SOLE   0 0 833
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 742 19,095 SH   SOLE   0 0 19,095
NVIDIA CORPORATION COM 67066G104 1,565 5,320 SH   SOLE   0 0 5,320
ORACLE CORP COM 68389X105 529 6,063 SH   SOLE   0 0 6,063
OREILLY AUTOMOTIVE INC COM 67103H107 882 1,249 SH   SOLE   0 0 1,249
PACCAR INC COM 693718108 225 2,544 SH   SOLE   0 0 2,544
PARKER-HANNIFIN CORP COM 701094104 575 1,807 SH   SOLE   0 0 1,807
PAYPAL HLDGS INC COM 70450Y103 647 3,430 SH   SOLE   0 0 3,430
PEPSICO INC COM 713448108 450 2,590 SH   SOLE   0 0 2,590
PFIZER INC COM 717081103 362 6,137 SH   SOLE   0 0 6,137
PIONEER NAT RES CO COM 723787107 388 2,134 SH   SOLE   0 0 2,134
PROCTER AND GAMBLE CO COM 742718109 490 2,995 SH   SOLE   0 0 2,995
PROLOGIS INC. COM 74340W103 844 5,012 SH   SOLE   0 0 5,012
PRUDENTIAL FINL INC COM 744320102 207 1,913 SH   SOLE   0 0 1,913
QUALCOMM INC COM 747525103 241 1,317 SH   SOLE   0 0 1,317
RAYTHEON TECHNOLOGIES CORP COM 75513E101 277 3,214 SH   SOLE   0 0 3,214
ROCKWELL AUTOMATION INC COM 773903109 465 1,332 SH   SOLE   0 0 1,332
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 443 2,704 SH   SOLE   0 0 2,704
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 76,656 2,587,966 SH   SOLE   0 0 2,587,966
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 40,268 791,904 SH   SOLE   0 0 791,904
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,335 53,029 SH   SOLE   0 0 53,029
SELECT SECTOR SPDR TR ENERGY 81369Y506 190,522 3,432,825 SH   SOLE   0 0 3,432,825
SHERWIN WILLIAMS CO COM 824348106 477 1,355 SH   SOLE   0 0 1,355
SIRIUS XM HOLDINGS INC COM 82968B103 70 11,000 SH   SOLE   0 0 11,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,350 4,947 SH   SOLE   0 0 4,947
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 485 936 SH   SOLE   0 0 936
SPDR SER TR S&P 600 SMCP VAL 78464A300 72,544 856,284 SH   SOLE   0 0 856,284
SPDR SER TR PRTFLO S&P500 VL 78464A508 570,978 13,594,711 SH   SOLE   0 0 13,594,711
SPDR SER TR S&P 600 SML CAP 78464A813 1,117 11,232 SH   SOLE   0 0 11,232
SPDR SER TR NUVEEN BLMBRG SH 78468R739 702 14,283 SH   SOLE   0 0 14,283
SYSCO CORP COM 871829107 337 4,287 SH   SOLE   0 0 4,287
TARGET CORP COM 87612E106 784 3,389 SH   SOLE   0 0 3,389
TESLA INC COM 88160R101 1,248 1,181 SH   SOLE   0 0 1,181
TEXAS INSTRS INC COM 882508104 304 1,614 SH   SOLE   0 0 1,614
THE TRADE DESK INC COM CL A 88339J105 339 3,700 SH   SOLE   0 0 3,700
THERATECHNOLOGIES INC COM 88338H100 534 176,291 SH   SOLE   0 0 176,291
TRUIST FINL CORP COM 89832Q109 316 5,405 SH   SOLE   0 0 5,405
UNION PAC CORP COM 907818108 717 2,847 SH   SOLE   0 0 2,847
UNITED PARCEL SERVICE INC CL B 911312106 495 2,309 SH   SOLE   0 0 2,309
UNITEDHEALTH GROUP INC COM 91324P102 239 475 SH   SOLE   0 0 475
US BANCORP DEL COM NEW 902973304 252 4,494 SH   SOLE   0 0 4,494
V F CORP COM 918204108 360 4,921 SH   SOLE   0 0 4,921
VALERO ENERGY CORP COM 91913Y100 373 4,960 SH   SOLE   0 0 4,960
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 228 3,648 SH   SOLE   0 0 3,648
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,978 13,067 SH   SOLE   0 0 13,067
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,100 13,613 SH   SOLE   0 0 13,613
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 213 2,508 SH   SOLE   0 0 2,508
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,300 2,978 SH   SOLE   0 0 2,978
VANGUARD INDEX FDS SM CP VAL ETF 922908611 305 1,703 SH   SOLE   0 0 1,703
VANGUARD INDEX FDS TOTAL STK MKT 922908769 272 1,125 SH   SOLE   0 0 1,125
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,072 21,681 SH   SOLE   0 0 21,681
VERIZON COMMUNICATIONS INC COM 92343V104 317 6,105 SH   SOLE   0 0 6,105
VISA INC COM CL A 92826C839 1,009 4,658 SH   SOLE   0 0 4,658
WALMART INC COM 931142103 325 2,245 SH   SOLE   0 0 2,245
WEC ENERGY GROUP INC COM 92939U106 367 3,782 SH   SOLE   0 0 3,782
WISDOMTREE TR JAPN HEDGE EQT 97717W851 393 6,281 SH   SOLE   0 0 6,281