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
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 88,665 1,038,843 SH   SOLE   1,038,843 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 88,409 373,318 SH   SOLE   373,318 0 0
ISHARES TR CORE S&P MCP ETF 464287507 71,671 498,199 SH   SOLE   498,199 0 0
VANGUARD TAX-MANAGED FD FTSE DEV MKT ETF 921943858 63,538 1,905,772 SH   SOLE   1,905,772 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 51,356 942,315 SH   SOLE   942,315 0 0
ISHARES TR CORE S&P SCP ETF 464287804 32,842 585,310 SH   SOLE   585,310 0 0
VANGUARD INDEX FDS REIT ETF 922908553 23,767 340,262 SH   SOLE   340,262 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,964 624,873 SH   SOLE   624,873 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,618 293,012 SH   SOLE   293,012 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 11,482 96,948 SH   SOLE   96,948 0 0
ISHARES TR CORE S&P 500 ETF 464287200 9,124 35,309 SH   SOLE   35,309 0 0
ISHARES TR BARCLY USAGG B 464287226 7,779 67,428 SH   SOLE   67,428 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,021 53,331 SH   SOLE   53,331 0 0
ISHARES TR S&P500 GRWT ETF 464287309 6,254 37,889 SH   SOLE   37,889 0 0
ISHARES TR S&P 500 VAL ETF 464287408 5,891 61,206 SH   SOLE   61,206 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,648 125,983 SH   SOLE   125,983 0 0
MICROSOFT CORP COM 594918104 5,578 35,369 SH   SOLE   35,369 0 0
APPLE INC COM 037833100 5,497 21,618 SH   SOLE   21,618 0 0
VANGUARD INDEX FDS SMALL CAP ETF 922908751 4,869 42,177 SH   SOLE   42,177 0 0
ISHARES TR RUS MID CAP ETF 464287499 3,985 92,305 SH   SOLE   92,305 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,932 73,560 SH   SOLE   73,560 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,377 130,676 SH   SOLE   130,676 0 0
INTEL CORP COM 458140100 3,317 61,292 SH   SOLE   61,292 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,290 13,194 SH   SOLE   13,194 0 0
ISHARES TR MBS ETF 464288588 3,131 28,354 SH   SOLE   28,354 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,058 75,562 SH   SOLE   75,562 0 0
WAL MART STORES INC COM 931142103 2,918 25,685 SH   SOLE   25,685 0 0
ISHARES TR INTRM TR CRP ETF 464288638 2,888 52,582 SH   SOLE   52,582 0 0
JOHNSON & JOHNSON COM 478160104 2,608 19,890 SH   SOLE   19,890 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,195 22,130 SH   SOLE   22,130 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,080 18,175 SH   SOLE   18,175 0 0
ISHARES TR MICRO -CAP ETF 464288869 1,934 28,856 SH   SOLE   28,856 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,848 22,994 SH   SOLE   22,994 0 0
VISA INC COM CL A 92826C839 1,565 9,714 SH   SOLE   9,714 0 0
ISHARES 3 7 YR TREAS BD 464288661 1,561 11,707 SH   SOLE   11,707 0 0
AMAZON COM INC COM 023135106 1,488 763 SH   SOLE   763 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,457 5,654 SH   SOLE   5,654 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 1,434 15,646 SH   SOLE   15,646 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,432 36,554 SH   SOLE   36,554 0 0
CHEVRON CORP NEW COM 166764100 1,369 18,900 SH   SOLE   18,900 0 0
TJX COS INC NEW COM 872540109 1,364 28,527 SH   SOLE   28,527 0 0
ISHARES TR U.S.TECH ETF 464287721 1,331 6,511 SH   SOLE   6,511 0 0
LOCKHEED MARTIN CORP COM 539830109 1,311 3,868 SH   SOLE   3,868 0 0
JPMORGAN CHASE & CO COM 46625H100 1,301 14,451 SH   SOLE   14,451 0 0
ISHARES TR U.S. REAL ES ETF 464287739 1,297 18,638 SH   SOLE   18,638 0 0
ISHARES TR RUS 1000 ETF 464287622 1,246 8,802 SH   SOLE   8,802 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,211 12,186 SH   SOLE   12,186 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,210 8,031 SH   SOLE   8,031 0 0
ISHARES TR COHEN STEER REIT 464287564 1,169 12,769 SH   SOLE   12,769 0 0
3M CO COM 88579Y101 1,152 8,435 SH   SOLE   8,435 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,146 10,639 SH   SOLE   10,639 0 0
LAUDER ESTEE COS INC CL A 518439104 1,133 7,114 SH   SOLE   7,114 0 0
HOME DEPOT INC COM 437076102 1,108 5,934 SH   SOLE   5,934 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,087 20,225 SH   SOLE   20,225 0 0
PEPSICO INC COM 713448108 1,034 8,612 SH   SOLE   8,612 0 0
NIKE INC COM 654106103 1,009 12,191 SH   SOLE   12,191 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 961 5,886 SH   SOLE   5,886 0 0
DISNEY WALT CO COM DISNEY 254687106 931 9,638 SH   SOLE   9,638 0 0
PROCTER & GAMBLE CO COM 742718109 859 7,805 SH   SOLE   7,805 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 820 4,486 SH   SOLE   4,486 0 0
GOOGLE INC CL A 38259P508 795 684 SH   SOLE   684 0 0
ROCKWELL AUTOMATION INC COM 773903109 773 5,121 SH   SOLE   5,121 0 0
ANTHEM INC COM 036752103 767 3,378 SH   SOLE   3,378 0 0
CUMMINS INC COM 231021106 763 5,638 SH   SOLE   5,638 0 0
COMCAST CORP NEW CL A 20030N101 757 22,006 SH   SOLE   22,006 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 743 3,905 SH   SOLE   3,905 0 0
EXXON MOBIL CORP COM 30231G102 740 19,489 SH   SOLE   19,489 0 0
DEERE & CO COM 244199105 698 5,055 SH   SOLE   5,055 0 0
NORFOLK SOUTHERN CORP COM 655844108 691 4,734 SH   SOLE   4,734 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 678 12,172 SH   SOLE   12,172 0 0
ISHARES TR US HLTHCARE ETF 464287762 667 3,550 SH   SOLE   3,550 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 627 7,232 SH   SOLE   7,232 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 620 7,628 SH   SOLE   7,628 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 615 2,044 SH   SOLE   2,044 0 0
MARATHON PETE CORP COM 56585A102 609 25,791 SH   SOLE   25,791 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 606 17,746 SH   SOLE   17,746 0 0
MASCO CORP COM 574599106 598 17,296 SH   SOLE   17,296 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 595 3,795 SH   SOLE   3,795 0 0
SYSCO CORP COM 871829107 589 12,899 SH   SOLE   12,899 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 580 3,861 SH   SOLE   3,861 0 0
TEXAS INSTRS INC COM 882508104 580 5,799 SH   SOLE   5,799 0 0
CAPITAL ONE FINL CORP COM 14040H105 577 11,435 SH   SOLE   11,435 0 0
GENERAL DYNAMICS CORP COM 369550108 571 4,315 SH   SOLE   4,315 0 0
EMERSON ELEC CO COM 291011104 561 11,780 SH   SOLE   11,780 0 0
STARBUCKS CORP COM 855244109 559 8,507 SH   SOLE   8,507 0 0
ISHARES TR SH TR CRPORT ETF 464288646 559 10,667 SH   SOLE   10,667 0 0
OMNICOM GROUP INC COM 681919106 550 10,015 SH   SOLE   10,015 0 0
BOEING CO COM 097023105 529 3,547 SH   SOLE   3,547 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 518 9,508 SH   SOLE   9,508 0 0
FACEBOOK INC CL A 30303M102 504 3,024 SH   SOLE   3,024 0 0
AMERICAN EXPRESS CO COM 025816109 491 5,737 SH   SOLE   5,737 0 0
KROGER CO COM 501044101 476 15,810 SH   SOLE   15,810 0 0
VALERO ENERGY CORP NEW COM 91913Y100 465 10,261 SH   SOLE   10,261 0 0
MSCI CHINA ETF ISHARES TR 46429B671 460 8,034 SH   SOLE   8,034 0 0
UNITED TECHNOLOGIES CORP COM 913017109 438 4,638 SH   SOLE   4,638 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 436 2,242 SH   SOLE   2,242 0 0
PHILLIPS 66 COM 718546104 436 8,119 SH   SOLE   8,119 0 0
MCDONALDS CORP COM 580135101 431 2,605 SH   SOLE   2,605 0 0
AT&T INC COM 00206R102 421 14,426 SH   SOLE   14,426 0 0
ISHARES TR MSCI KLD400 SOC 464288570 420 4,312 SH   SOLE   4,312 0 0
AMEREN CORP COM 023608102 418 5,737 SH   SOLE   5,737 0 0
WELLS FARGO & CO NEW COM 949746101 405 14,111 SH   SOLE   14,111 0 0
QUALCOMM INC COM 747525103 397 5,867 SH   SOLE   5,867 0 0
QUEST DIAGNOSTICS INC COM 74834L100 392 4,883 SH   SOLE   4,883 0 0
CERNER CORP COM 156782104 389 6,179 SH   SOLE   6,179 0 0
ISHARES TR NATIONAL MUN ETF 464288414 387 3,422 SH   SOLE   3,422 0 0
CISCO SYS INC COM 17275R102 375 9,549 SH   SOLE   9,549 0 0
ISHARES TR TIPS BD ETF 464287176 367 3,116 SH   SOLE   3,116 0 0
US BANCORP DEL COM NEW 902973304 354 10,285 SH   SOLE   10,285 0 0
KIMBERLY CLARK CORP COM 494368103 354 2,770 SH   SOLE   2,770 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 346 3,121 SH   SOLE   3,121 0 0
ISHARES TR U.S. FINLS ETF 464287788 345 3,551 SH   SOLE   3,551 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 345 4,322 SH   SOLE   4,322 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 340 2,640 SH   SOLE   2,640 0 0
MONSTER BEVERAGE CORP COM 611740101 303 5,383 SH   SOLE   5,383 0 0
CVS CAREMARK CORPORATION COM 126650100 294 4,951 SH   SOLE   4,951 0 0
NORTHROP GRUMMAN CORP COM 666807102 294 970 SH   SOLE   970 0 0
PFIZER INC COM 717081103 287 8,807 SH   SOLE   8,807 0 0
ABBOTT LABS COM 002824100 285 3,608 SH   SOLE   3,608 0 0
ENTERPRISE FINL SVCS CORP COM 293712105 282 10,114 SH   SOLE   10,114 0 0
SOUTHWEST ARILS CO COM 844741108 282 7,924 SH   SOLE   7,924 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 273 13,112 SH   SOLE   13,112 0 0
LOWES COS INC COM 548661107 261 3,031 SH   SOLE   3,031 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 254 2,851 SH   SOLE   2,851 0 0
MERCK & CO INC COM 58933Y107 235 3,056 SH   SOLE   3,056 0 0
EDGEWELL PERSONAL CARE CO COM 28035Q102 235 9,746 SH   SOLE   9,746 0 0
NVIDIA CORP COM 67066G104 234 889 SH   SOLE   889 0 0
CATERPILLAR INC DEL COM 149123101 228 1,965 SH   SOLE   1,965 0 0
COCA COLA CO COM 191216100 211 4,763 SH   SOLE   4,763 0 0
ISHARES TR S&P SML 600 GWT 464287887 210 1,526 SH   SOLE   1,526 0 0
JACOBS ENGR GROUP INC DEL COM 469814107 206 2,600 SH   SOLE   2,600 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 206 2,079 SH   SOLE   2,079 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 205 4,991 SH   SOLE   4,991 0 0
SCHWAB STRATEGIC TR US SML CAP ETG 808524607 200 3,884 SH   SOLE   3,884 0 0
AMGEN INC COM 031162100 198 975 SH   SOLE   975 0 0
ISHARES TR MSCI USA ESG SLC 464288802 196 1,785 SH   SOLE   1,785 0 0
SNAP ON INC COM 833034101 195 1,796 SH   SOLE   1,796 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 195 3,461 SH   SOLE   3,461 0 0
BANK AMER CORP COM 060505104 190 8,973 SH   SOLE   8,973 0 0
MORGAN STANLEY COM NEW 617446448 189 5,559 SH   SOLE   5,559 0 0
NUSHARES ETF TR ESG SMALL CAP 67092P607 188 8,700 SH   SOLE   8,700 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 187 883 SH   SOLE   883 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 187 3,168 SH   SOLE   3,168 0 0
CDW CORP COM 12514G108 187 2,000 SH   SOLE   2,000 0 0
MODERNA INC COM 60770K107 181 6,060 SH   SOLE   6,060 0 0
ISHARES TR U.S. MED DVC ETF 464288810 180 800 SH   SOLE   800 0 0
CONOCOPHILLIPS COM 20825C104 176 5,720 SH   SOLE   5,720 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 174 3,498 SH   SOLE   3,498 0 0
ATHERSYS INC NEW COM 04744L106 168 56,000 SH   SOLE   56,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 167 3,490 SH   SOLE   3,490 0 0
NETFLIX INC COM 64110L106 165 439 SH   SOLE   439 0 0
GOOGLE INC CL A 38259P508 163 140 SH   SOLE   140 0 0
MASTERCARD INC CL A 57636Q104 160 661 SH   SOLE   661 0 0
SOUTHERN CO COM 842587107 159 2,940 SH   SOLE   2,940 0 0
TRANE TECHNOLOGIES SHS G8994E103 159 1,925 SH   SOLE   1,925 0 0
INTUITIVE SURGICAL INC COM 46120E602 156 315 SH   SOLE   315 0 0
DANAHER CORPORATION COM 235851102 154 1,116 SH   SOLE   1,116 0 0
ABBVIE INC COM 00287Y109 152 1,997 SH   SOLE   1,997 0 0
BUNGE LIMITED COM G16962105 151 3,680 SH   SOLE   3,680 0 0
HILL ROM HLDGS INC COM 431475102 151 1,500 SH   SOLE   1,500 0 0
PAYPAL HLDGS INC COM 70450Y103 150 1,566 SH   SOLE   1,566 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 141 4,841 SH   SOLE   4,841 0 0
VANGUARD GROUP DIV APP ETF 921908844 138 1,333 SH   SOLE   1,333 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 137 3,250 SH   SOLE   3,250 0 0
HUMANA INC COM 444859102 126 401 SH   SOLE   401 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 125 1,491 SH   SOLE   1,491 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 123 847 SH   SOLE   847 0 0
ISHARES INC MSCI PAC JP ETF 464286665 122 3,608 SH   SOLE   3,608 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 121 1,529 SH   SOLE   1,529 0 0
WD-40 CO COM 929236107 121 600 SH   SOLE   600 0 0
COSTCO WHSL CORP NEW COM 22160K105 117 412 SH   SOLE   412 0 0
FIFTH THIRD BANCORP COM 316773100 114 7,658 SH   SOLE   7,658 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 109 1,230 SH   SOLE   1,230 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 107 1,935 SH   SOLE   1,935 0 0
AMETEK INC NEW COM 031100100 107 1,486 SH   SOLE   1,486 0 0
SQUARE INC CL A 852234103 105 2,009 SH   SOLE   2,009 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 105 5,000 SH   SOLE   5,000 0 0
ILLINOIS TOOL WKS INC COM 452308109 104 735 SH   SOLE   735 0 0
BRINKS CO COM 109696104 104 2,000 SH   SOLE   2,000 0 0
TESLA INC COM 88160R101 101 193 SH   SOLE   193 0 0
CINCINNATI FINL CORP COM 172062101 101 1,333 SH   SOLE   1,333 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 100 1,020 SH   SOLE   1,020 0 0