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
ABBVIE INC COM 00287Y109 201 1,785 SH   SOLE   0 0 1,785
AERPIO PHARMACEUTICALS INC COM 00810B105 17 10,219 SH   SOLE   0 0 10,219
AIR TRANSPORT SERVICES GRP I COM 00922R105 382 16,465 SH   SOLE   0 0 16,465
ALPHABET INC CAP STK CL C 02079K107 273 109 SH   SOLE   0 0 109
ALPHABET INC CAP STK CL A 02079K305 461 189 SH   SOLE   0 0 189
ALTRIA GROUP INC COM 02209S103 210 4,400 SH   SOLE   0 0 4,400
AMAZON COM INC COM 023135106 1,280 372 SH   SOLE   0 0 372
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,179 18,221 SH   SOLE   18,221 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,811 40,420 SH   SOLE   40,420 0 0
AMERICAN CENTY ETF TR US ML CP VALU 025072877 59,184 778,734 SH   SOLE   778,734 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104 216 1,731 SH   SOLE   0 0 1,731
ANNALY CAPITAL MANAGEMENT IN COM 035710409 124 14,000 SH   SOLE   0 0 14,000
APPLE INC COM 037833100 6,511 47,537 SH   SOLE   0 0 47,537
AUTOZONE INC COM 053332102 448 300 SH   SOLE   0 0 300
BERKSHIRE HATHAWAY INC DEL CL A 084670702 2,512 6 SH   SOLE   0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,717 6,177 SH   SOLE   0 0 6,177
BRISTOL-MYERS SQUIBB CO COM 110122108 247 3,693 SH   SOLE   0 0 3,693
CINCINNATI FINL CORP COM 172062101 12,275 105,254 SH   SOLE   0 0 105,254
CINTAS CORP COM 172908105 409 1,071 SH   SOLE   0 0 1,071
COINBASE GLOBAL INC COM CL A 19260Q107 253 1,000 SH   SOLE   0 0 1,000
COMCAST CORP NEW CL A 20030N101 849 14,886 SH   SOLE   0 0 14,886
COSTCO WHSL CORP NEW COM 22160K105 295 746 SH   SOLE   0 0 746
CVS HEALTH CORP COM 126650100 3,722 44,610 SH   SOLE   0 0 44,610
EXXON MOBIL CORP COM 30231G102 232 3,686 SH   SOLE   0 0 3,686
FACEBOOK INC CL A 30303M102 4,579 13,170 SH   SOLE   0 0 13,170
FIRST FINL BANCORP OH COM 320209109 215 9,099 SH   SOLE   0 0 9,099
FRANKLIN STR PPTYS CORP COM 35471R106 396 75,218 SH   SOLE   0 0 75,218
GENERAL ELECTRIC COM 369604103 519 38,574 SH   SOLE   0 0 38,574
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 437 5,079 SH   SOLE   5,079 0 0
HOME DEPOT INC COM 437076102 609 1,909 SH   SOLE   0 0 1,909
I SHARES TR MSCI EMG MKT ETF 464287234 1,904 34,524 SH   SOLE   34,524 0 0
I SHARES TR MSCI EAFE INDEX 464287465 1,730 21,927 SH   SOLE   21,927 0 0
I SHARES TR CORE S&P500 ETF 464287200 104,241 242,466 SH   SOLE   242,466 0 0
I SHARES TR RUS 1000 GRW ETF 464287614 7,329 26,997 SH   SOLE   26,997 0 0
I SHARES TR RUSSELL MCP GR 464287481 24,897 219,938 SH   SOLE   219,938 0 0
I SHARES TR RUSSELL 3000 464287689 17,580 68,695 SH   SOLE   68,695 0 0
ILLINOIS TOOL WKS INC COM 452308109 201 899 SH   SOLE   0 0 899
INTEL CORP COM 458140100 460 8,193 SH   SOLE   0 0 8,193
INTERNATIONAL BUSINESS MACHS COM 459200101 262 1,787 SH   SOLE   0 0 1,787
INVESCO QQQ TR UNIT SER 1 46090E103 926 2,612 SH   SOLE   2,612 0 0
ISHARES INC MSCI EMRG CHN 46434G764 413 6,626 SH   SOLE   6,626 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,826 27,254 SH   SOLE   27,254 0 0
ISHARES TR CORE US AGGBD ET 464287226 319 2,768 SH   SOLE   2,768 0 0
ISHARES TR CORE MSCI EAFE 46432F842 95,612 1,277,215 SH   SOLE   1,277,215 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,424 5,300 SH   SOLE   5,300 0 0
ISHARES TR S&P MC 400GR ETF 464287606 694 8,579 SH   SOLE   8,579 0 0
ISHARES TR CORE S&P SCP ETF 464287804 857 7,586 SH   SOLE   7,586 0 0
ISHARES TR CORE S&P TTL STK 464287150 44,209 447,636 SH   SOLE   447,636 0 0
ISHARES TR S&P 500 VAL ETF 464287408 450 3,050 SH   SOLE   3,050 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 862 11,848 SH   SOLE   11,848 0 0
ISHARES TR RUS 1000 ETF 464287622 1,053 4,350 SH   SOLE   4,350 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 624 3,931 SH   SOLE   3,931 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 285 1,241 SH   SOLE   1,241 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 310 1,872 SH   SOLE   1,872 0 0
ISHARES TR RUS MDCP VAL ETF 464287499 404 5,103 SH   SOLE   5,103 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 659 5,728 SH   SOLE   5,728 0 0
ISHARES TR NATIONAL MUN ETF 464288414 562 4,798 SH   SOLE   4,798 0 0
ISHARES TR S&P 100 ETF 464287101 758 3,865 SH   SOLE   3,865 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 339 12,241 SH   SOLE   12,241 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,191 25,435 SH   SOLE   25,435 0 0
ISHARES TR TRS FLT RT BD 46434V860 392 7,803 SH   SOLE   7,803 0 0
JOHNSON & JOHNSON COM 478160104 464 2,819 SH   SOLE   0 0 2,819
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 896 45,585 SH   SOLE   0 0 45,585
JPMORGAN CHASE & CO COM 46625H100 385 2,474 SH   SOLE   0 0 2,474
KINDER MORGAN INC DEL COM 49456B101 424 23,234 SH   SOLE   0 0 23,234
KROGER CO COM 501044101 285 7,443 SH   SOLE   0 0 7,443
LOCKHEED MARTIN CORP COM 539830109 371 982 SH   SOLE   0 0 982
MERCK & CO. INC COM 58933Y105 362 4,655 SH   SOLE   0 0 4,655
MICROSOFT CORP COM 594918104 1,439 5,312 SH   SOLE   0 0 5,312
NETFLIX INC COM 64110L106 408 772 SH   SOLE   0 0 772
NVIDIA CORPORATION COM 67066G104 440 550 SH   SOLE   0 0 550
ONEOK INC NEW COM 682680103 334 6,000 SH   SOLE   0 0 6,000
PEPSICO INC COM 713448108 1,014 6,846 SH   SOLE   0 0 6,846
PFIZER INC COM 717081103 281 7,176 SH   SOLE   0 0 7,176
PNC FINL SVCS GROUP INC COM 693475105 422 2,214 SH   SOLE   0 0 2,214
PROCTER & GAMBLE CO COM 742718109 35,766 265,070 SH   SOLE   0 0 265,070
QUALCOMM INC COM 747525103 265 1,856 SH   SOLE   0 0 1,856
RPM INTL INC COM 749685103 414 4,671 SH   SOLE   0 0 4,671
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 22,842 219,062 SH   SOLE   219,062 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 45,257 1,147,209 SH   SOLE   1,147,209 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 10,838 236,680 SH   SOLE   236,680 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 295 2,000 SH   SOLE   0 0 2,000
SMUCKER J M CO COM NEW 832696405 311 2,403 SH   SOLE   0 0 2,403
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 3,281 9,510 SH   SOLE   9,510 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,469 10,439 SH   SOLE   10,439 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 793 1,615 SH   SOLE   1,615 0 0
SPDR SER TR S&P BK ETF 78464A797 1,585 30,890 SH   SOLE   30,890 0 0
SPDR SER TR S&P DIVID ETF 78464A763 268 2,195 SH   SOLE   2,195 0 0
TESLA INC COM 88160R101 554 815 SH   SOLE   0 0 815
UNION PAC CORP COM 907818108 237 1,076 SH   SOLE   0 0 1,076
US BANCORP DEL COM NEW 902973304 2,346 41,179 SH   SOLE   0 0 41,179
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,189 35,000 SH   SOLE   35,000 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 990 5,440 SH   SOLE   5,440 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 155,675 1,894,776 SH   SOLE   1,894,776 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,038 33,768 SH   SOLE   33,768 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 981 11,427 SH   SOLE   11,427 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,723 7,649 SH   SOLE   7,649 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,291 13,193 SH   SOLE   13,193 0 0
VANGUARD INDEX FDS REIT ETF 922908553 108,471 1,065,637 SH   SOLE   1,065,637 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,239 9,433 SH   SOLE   9,433 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,090 7,761 SH   SOLE   7,761 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,096 10,408 SH   SOLE   10,408 0 0
VANGUARD INDEX FDS MID CAP GRW ETF 922908538 180,174 762,319 SH   SOLE   762,319 0 0
VANGUARD INDEX FDS STK MRK ETF 922908769 437,326 1,962,688 SH   SOLE   1,962,688 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 464 3,376 SH   SOLE   3,376 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 117,875 410,986 SH   SOLE   410,986 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 392 2,077 SH   SOLE   2,077 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,998 47,298 SH   SOLE   47,298 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 8,113 139,018 SH   SOLE   139,018 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 402 3,884 SH   SOLE   3,884 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,362 80,310 SH   SOLE   80,310 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,117 11,744 SH   SOLE   11,744 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 666 8,058 SH   SOLE   8,058 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 327 2,113 SH   SOLE   2,113 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,892 44,034 SH   SOLE   44,034 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 208,233 4,041,785 SH   SOLE   4,041,785 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 798 2,000 SH   SOLE   2,000 0 0
VISA INC COM CL A 92826C839 567 2,423 SH   SOLE   0 0 2,423
WALGREENS BOOTS ALLIANCE INC COM 931427108 515 9,786 SH   SOLE   0 0 9,786
WALMART INC COM 931142103 484 3,433 SH   SOLE   0 0 3,433
WESBANCO INC COM 950810101 1,192 33,443 SH   SOLE   0 0 33,443
WISDOMTREE TR US SMALLCAP DIVD 97717W604 2,583 81,000 SH   SOLE   81,000 0 0