# EDGAR Filing Document

**Accession Number:** 0001730810
**File Stem:** 0001765380-23-000006
**Filing Date:** 2023-2
**Character Count:** 27824
**Document Hash:** aae1a00658d843f60760efb6517c8ed5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-23-000006.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001765380-23-000006

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Legacy Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001730810
- **IRS NUMBER:** 204972254
- **STATE OF INCORPORATION:** KY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18306
- **FILM NUMBER:** 23590083

**BUSINESS ADDRESS:**
- **STREET 1:** 117 EAST FOURTH STREET
- **CITY:** COVINGTON
- **STATE:** KY
- **ZIP:** 41011
- **BUSINESS PHONE:** 859-655-3865

**MAIL ADDRESS:**
- **STREET 1:** 117 EAST FOURTH STREET
- **CITY:** COVINGTON
- **STATE:** KY
- **ZIP:** 41011

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Legacy Financial Advisors Inc.<br>**Address:** 117 EAST FOURTH STREET<br>COVINGTON, KY 41011

**Form 13F File Number:** 028-18306

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Jonathan G. Kasting<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-977-8234

**Signature, Place, and Date of Signing:**

Jonathan G. Kasting  Cincinnati, OH  02-06-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 242

**Form 13F Information Table Value Total:** $464152322

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMAZON.COM INC | Stock | 023135106 |  | 1326376 | 15790 | SH |  | SOLE |  | 15790 | 0 | 0 |
| SIRIUS XM RADIO INC | Stock | 82968B103 |  | 83202 | 14247 | SH |  | SOLE |  | 14247 | 0 | 0 |
| STARBUCKS CORP | Stock | 855244109 |  | 650814 | 6561 | SH |  | SOLE |  | 6560 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP INC COM | Stock | 744573106 |  | 637875 | 10411 | SH |  | SOLE |  | 10410 | 0 | 0 |
| ELEVANCE HEALTH INC COM | Stock | 036752103 |  | 334354 | 652 | SH |  | SOLE |  | 651 | 0 | 0 |
| DOLLAR GEN CORP | Stock | 256677105 |  | 238359 | 968 | SH |  | SOLE |  | 967 | 0 | 0 |
| MONSTER BEVERAGE CORP | Stock | 61174X109 |  | 372026 | 3664 | SH |  | SOLE |  | 3664 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 3012000 | 17051 | SH |  | SOLE |  | 17050 | 0 | 0 |
| WASTE MANAGEMENT INC | Stock | 94106L109 |  | 217279 | 1385 | SH |  | SOLE |  | 1385 | 0 | 0 |
| VANGUARD TOTAL STK MKT | ETF | 922908769 |  | 4537321 | 23732 | SH |  | SOLE |  | 23732 | 0 | 0 |
| COSTCO WHOLESALE CORP | Stock | 22160K105 |  | 457780 | 1003 | SH |  | SOLE |  | 1002 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Stock | 38141G104 |  | 344256 | 1003 | SH |  | SOLE |  | 1002 | 0 | 0 |
| TOYOTA MOTOR CORP ADS | ADR | 892331307 |  | 352304 | 2579 | SH |  | SOLE |  | 2579 | 0 | 0 |
| ROYAL DUTCH SHELL PLC-ADR | ADR | 780259305 |  | 570115 | 10011 | SH |  | SOLE |  | 10010 | 0 | 0 |
| YUM! BRANDS INC | Stock | 988498101 |  | 294324 | 2298 | SH |  | SOLE |  | 2297 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 12327762 | 81339 | SH |  | SOLE |  | 81339 | 0 | 0 |
| COCA COLA CO COM | Stock | 191216100 |  | 1844696 | 29000 | SH |  | SOLE |  | 29000 | 0 | 0 |
| GENERAL MLS INC COM | Stock | 370334104 |  | 257537 | 3071 | SH |  | SOLE |  | 3071 | 0 | 0 |
| TRUIST FINL CORP COM | Stock | 89832Q109 |  | 836426 | 19438 | SH |  | SOLE |  | 19438 | 0 | 0 |
| UNITED PARCEL SERVICE INC | Stock | 911312106 |  | 958155 | 5512 | SH |  | SOLE |  | 5511 | 0 | 0 |
| INTEL CORP COM | Stock | 458140100 |  | 1172190 | 44351 | SH |  | SOLE |  | 44350 | 0 | 0 |
| CHICAGO MERCANTILE HLDGS INC | Stock | 12572Q105 |  | 247041 | 1469 | SH |  | SOLE |  | 1469 | 0 | 0 |
| MEDTRONIC PLC SHS | Stock | G5960L103 |  | 606775 | 7807 | SH |  | SOLE |  | 7807 | 0 | 0 |
| CLOROX CO DEL COM | Stock | 189054109 |  | 484181 | 3450 | SH |  | SOLE |  | 3450 | 0 | 0 |
| COMERICA INC COM | Stock | 200340107 |  | 264659 | 3959 | SH |  | SOLE |  | 3959 | 0 | 0 |
| NETFLIX COM INC | Stock | 64110L106 |  | 911179 | 3090 | SH |  | SOLE |  | 3090 | 0 | 0 |
| PAYCHEX INC | Stock | 704326107 |  | 587659 | 5085 | SH |  | SOLE |  | 5085 | 0 | 0 |
| HESS CORP COM | Stock | 42809H107 |  | 781111 | 5508 | SH |  | SOLE |  | 5507 | 0 | 0 |
| ISHARES INTERNATIONAL DIVIDEND GROWTH ETF | ETF | 46435G524 |  | 848066 | 14716 | SH |  | SOLE |  | 14715 | 0 | 0 |
| PROLOGIS SHARE BENEFICIAL INT | REIT | 74340W103 |  | 335900 | 2980 | SH |  | SOLE |  | 2979 | 0 | 0 |
| MERCK  CO INC | Stock | 58933Y105 |  | 1979452 | 17841 | SH |  | SOLE |  | 17840 | 0 | 0 |
| MASTERCARD INC | Stock | 57636Q104 |  | 1058571 | 3044 | SH |  | SOLE |  | 3044 | 0 | 0 |
| ILLINOIS TOOL WKS INC COM | Stock | 452308109 |  | 202676 | 920 | SH |  | SOLE |  | 920 | 0 | 0 |
| ALLSTATE CORP | Stock | 020002101 |  | 419316 | 3092 | SH |  | SOLE |  | 3092 | 0 | 0 |
| DIAGEO PLC | ADR | 25243Q205 |  | 291915 | 1638 | SH |  | SOLE |  | 1638 | 0 | 0 |
| AMERICAN FINL GROUP INC O | Stock | 025932104 |  | 718524 | 5234 | SH |  | SOLE |  | 5234 | 0 | 0 |
| VERTEX PHARMACEUTICALS IN | Stock | 92532F100 |  | 374259 | 1296 | SH |  | SOLE |  | 1296 | 0 | 0 |
| VERIZON COMMUNICATIONS | Stock | 92343V104 |  | 1340604 | 34025 | SH |  | SOLE |  | 34025 | 0 | 0 |
| CHUBB LIMITED COM | Stock | H1467J104 |  | 442903 | 2008 | SH |  | SOLE |  | 2007 | 0 | 0 |
| SNAP ON INC COM | Stock | 833034101 |  | 1342408 | 5875 | SH |  | SOLE |  | 5875 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 1494779 | 8274 | SH |  | SOLE |  | 8273 | 0 | 0 |
| TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS | ADR | 874060205 |  | 366475 | 23492 | SH |  | SOLE |  | 23492 | 0 | 0 |
| HONEYWELL INTL INC | Stock | 438516106 |  | 1010585 | 4716 | SH |  | SOLE |  | 4715 | 0 | 0 |
| FIRSTENERGY CORP | Stock | 337932107 |  | 726988 | 17334 | SH |  | SOLE |  | 17334 | 0 | 0 |
| FORD MOTOR COMPANY | Stock | 345370860 |  | 150667 | 12955 | SH |  | SOLE |  | 12955 | 0 | 0 |
| ISHARES ESG AWARE MSCI USA ETF | ETF | 46435G425 |  | 1850262 | 21832 | SH |  | SOLE |  | 21832 | 0 | 0 |
| US BANCORP DEL COM NEW | Stock | 902973304 |  | 2181539 | 50024 | SH |  | SOLE |  | 50023 | 0 | 0 |
| XCEL ENERGY INC COM | Stock | 98389B100 |  | 302805 | 4319 | SH |  | SOLE |  | 4319 | 0 | 0 |
| BP PLC SPONSORED ADR | ADR | 055622104 |  | 605794 | 17343 | SH |  | SOLE |  | 17343 | 0 | 0 |
| HOME DEPOT | Stock | 437076102 |  | 1435281 | 4544 | SH |  | SOLE |  | 4544 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC COM | Stock | 053015103 |  | 1056956 | 4425 | SH |  | SOLE |  | 4425 | 0 | 0 |
| DUPONT DE NEMOURS INC COM | Stock | 26614N102 |  | 211765 | 3086 | SH |  | SOLE |  | 3085 | 0 | 0 |
| ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF | ETF | 46435G243 |  | 394701 | 16605 | SH |  | SOLE |  | 16605 | 0 | 0 |
| BHP GROUP LTD SPONSORED ADS | ADR | 088606108 |  | 216989 | 3497 | SH |  | SOLE |  | 3496 | 0 | 0 |
| SOUTHERN CO COM | Stock | 842587107 |  | 336344 | 4710 | SH |  | SOLE |  | 4710 | 0 | 0 |
| AMERISOURCEBERGEN CORP COM | Stock | 03073E105 |  | 322657 | 1947 | SH |  | SOLE |  | 1947 | 0 | 0 |
| WHIRLPOOL CORP COM | Stock | 963320106 |  | 306261 | 2165 | SH |  | SOLE |  | 2165 | 0 | 0 |
| AON CORP | Stock | G0403H108 |  | 308290 | 1027 | SH |  | SOLE |  | 1027 | 0 | 0 |
| HENRY JACK  ASSOC INC | Stock | 426281101 |  | 259365 | 1477 | SH |  | SOLE |  | 1477 | 0 | 0 |
| LINCOLN ELEC HLDGS INC | Stock | 533900106 |  | 270052 | 1869 | SH |  | SOLE |  | 1869 | 0 | 0 |
| MSC INDL DIRECT INC CL A | Stock | 553530106 |  | 663176 | 8117 | SH |  | SOLE |  | 8117 | 0 | 0 |
| ISHARES S SMALLCAP 600 ETF | ETF | 464287804 |  | 887155 | 9374 | SH |  | SOLE |  | 9374 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 1254628 | 4062 | SH |  | SOLE |  | 4061 | 0 | 0 |
| ADOBE SYS INC | Stock | 00724F101 |  | 423860 | 1260 | SH |  | SOLE |  | 1259 | 0 | 0 |
| GOOGLE INC | Stock | 02079K305 |  | 1351772 | 15321 | SH |  | SOLE |  | 15321 | 0 | 0 |
| PROGRESSIVE CORP COM | Stock | 743315103 |  | 708865 | 5465 | SH |  | SOLE |  | 5465 | 0 | 0 |
| O REILLY AUTOMOTIVE INC | Stock | 67103H107 |  | 332717 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| EASTMAN CHEMICAL CO | Stock | 277432100 |  | 400685 | 4920 | SH |  | SOLE |  | 4920 | 0 | 0 |
| PRINCIPAL FINANCIAL GROUP INC COM | Stock | 74251V102 |  | 386656 | 4607 | SH |  | SOLE |  | 4607 | 0 | 0 |
| INTUIT INC | Stock | 461202103 |  | 224191 | 576 | SH |  | SOLE |  | 576 | 0 | 0 |
| UNILEVER PLC SPON ADR NEW | ADR | 904767704 |  | 472775 | 9390 | SH |  | SOLE |  | 9389 | 0 | 0 |
| CSX CORP | Stock | 126408103 |  | 850304 | 27447 | SH |  | SOLE |  | 27446 | 0 | 0 |
| COMCAST CORP NEW CL A | Stock | 20030N101 |  | 584703 | 16720 | SH |  | SOLE |  | 16720 | 0 | 0 |
| MICROSOFT | Stock | 594918104 |  | 6156151 | 25670 | SH |  | SOLE |  | 25669 | 0 | 0 |
| CVS HEALTH CORP COM | Stock | 126650100 |  | 374997 | 4024 | SH |  | SOLE |  | 4024 | 0 | 0 |
| SIMON PROPERTY GROUP INC | REIT | 828806109 |  | 221131 | 1882 | SH |  | SOLE |  | 1882 | 0 | 0 |
| V F CORP COM | Stock | 918204108 |  | 328607 | 11902 | SH |  | SOLE |  | 11901 | 0 | 0 |
| BOEING CO COM | Stock | 097023105 |  | 934190 | 4904 | SH |  | SOLE |  | 4904 | 0 | 0 |
| NEXTERA ENERGY INC COM | Stock | 65339F101 |  | 704008 | 8421 | SH |  | SOLE |  | 8421 | 0 | 0 |
| NIKE INC CLASS B | Stock | 654106103 |  | 621803 | 5314 | SH |  | SOLE |  | 5314 | 0 | 0 |
| TESLA MOTORS INC | Stock | 88160R101 |  | 690991 | 5610 | SH |  | SOLE |  | 5609 | 0 | 0 |
| ISHARES ESG AWARE US AGGREGATE BOND ETF | ETF | 46435U549 |  | 917553 | 19631 | SH |  | SOLE |  | 19631 | 0 | 0 |
| LINDE PLC SHS | Stock | G5494J103 |  | 348690 | 1069 | SH |  | SOLE |  | 1069 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | ETF | 46434G764 |  | 16260310 | 342539 | SH |  | SOLE |  | 342538 | 0 | 0 |
| ITAU UNIBANCO HLDG S A SPON ADR REP PFD | ADR | 465562106 |  | 101379 | 21524 | SH |  | SOLE |  | 21524 | 0 | 0 |
| NORFOLK SOUTHERN CRP | Stock | 655844108 |  | 239027 | 970 | SH |  | SOLE |  | 970 | 0 | 0 |
| CENTERPOINT ENERGY INC COM | Stock | 15189T107 |  | 330748 | 11029 | SH |  | SOLE |  | 11028 | 0 | 0 |
| ASTRAZENECA PLC- SPONS ADR | ADR | 046353108 |  | 448726 | 6618 | SH |  | SOLE |  | 6618 | 0 | 0 |
| FIFTH THIRD BANCORP | Stock | 316773100 |  | 2462813 | 75063 | SH |  | SOLE |  | 75062 | 0 | 0 |
| CORTEVA INC COM | Stock | 22052L104 |  | 235002 | 3998 | SH |  | SOLE |  | 3998 | 0 | 0 |
| HUNTINGTON BANCSHARES INC COM | Stock | 446150104 |  | 449751 | 31897 | SH |  | SOLE |  | 31897 | 0 | 0 |
| LILLY ELI  CO COM | Stock | 532457108 |  | 1106412 | 3024 | SH |  | SOLE |  | 3024 | 0 | 0 |
| AIR PRODS  CHEMS INC COM | Stock | 009158106 |  | 485888 | 1576 | SH |  | SOLE |  | 1576 | 0 | 0 |
| PELOTON INTERACTIVE INC CL A COM | Stock | 70614W100 |  | 82338 | 10370 | SH |  | SOLE |  | 10370 | 0 | 0 |
| VANGUARD RUSSELL 1000 GROWTH ETF | ETF | 92206C680 |  | 14357479 | 260477 | SH |  | SOLE |  | 260476 | 0 | 0 |
| HUNTINGTON INGALLS INDS INC COM | Stock | 446413106 |  | 538209 | 2333 | SH |  | SOLE |  | 2333 | 0 | 0 |
| DUKE ENERGY CORP NEW COM NEW | Stock | 26441C204 |  | 597273 | 5799 | SH |  | SOLE |  | 5799 | 0 | 0 |
| SONY GROUP CORPORATION SPONSORED ADR | ADR | 835699307 |  | 252479 | 3310 | SH |  | SOLE |  | 3309 | 0 | 0 |
| ENTERGY CORP NEW COM | Stock | 29364G103 |  | 233066 | 2072 | SH |  | SOLE |  | 2071 | 0 | 0 |
| MARATHON PETE CORP | Stock | 56585A102 |  | 580526 | 4988 | SH |  | SOLE |  | 4987 | 0 | 0 |
| REGENERON PHARMACEUTICALS INC | Stock | 75886F107 |  | 297975 | 413 | SH |  | SOLE |  | 413 | 0 | 0 |
| ISHARES MSCI EAFE VALUE INDEX ETF | ETF | 464288877 |  | 6802018 | 148257 | SH |  | SOLE |  | 148256 | 0 | 0 |
| SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF | ETF | 78464A284 |  | 560755 | 11451 | SH |  | SOLE |  | 11451 | 0 | 0 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | 808524797 |  | 1284709 | 17007 | SH |  | SOLE |  | 17007 | 0 | 0 |
| ELECTRONICS ARTS | Stock | 285512109 |  | 258056 | 2112 | SH |  | SOLE |  | 2112 | 0 | 0 |
| VISA INC | Stock | 92826C839 |  | 1625305 | 7823 | SH |  | SOLE |  | 7822 | 0 | 0 |
| ISHARES INC MSCI EAFE MINIMUM VOLATILITY INDEX FD | ETF | 46429B689 |  | 15707175 | 247026 | SH |  | SOLE |  | 247026 | 0 | 0 |
| HILLMAN SOLUTIONS CORP COM | Stock | 431636109 |  | 811125 | 112500 | SH |  | SOLE |  | 112500 | 0 | 0 |
| ISHARES TR MSCI USA MINIMUM VOLATILITY INDEX FD | ETF | 46429B697 |  | 46572018 | 645936 | SH |  | SOLE |  | 645936 | 0 | 0 |
| ALLISON TRANSMISSION HLDGS INC COM | Stock | 01973R101 |  | 244914 | 5887 | SH |  | SOLE |  | 5887 | 0 | 0 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 313911 | 1473 | SH |  | SOLE |  | 1473 | 0 | 0 |
| INVESCO S INTERNATIONAL DEVELOPED LOW VOLATILITY ETF | ETF | 46138E230 |  | 334509 | 12491 | SH |  | SOLE |  | 12491 | 0 | 0 |
| PHILLIPS 66 | Stock | 718546104 |  | 605722 | 5820 | SH |  | SOLE |  | 5819 | 0 | 0 |
| AMERICAN TOWER CORP | REIT | 03027X100 |  | 209165 | 987 | SH |  | SOLE |  | 987 | 0 | 0 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 73225525 | 863509 | SH |  | SOLE |  | 863508 | 0 | 0 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 965608 | 8024 | SH |  | SOLE |  | 8024 | 0 | 0 |
| ASML HOLDING N V N Y REGISTRY SHS | ADR | N07059210 |  | 419344 | 767 | SH |  | SOLE |  | 767 | 0 | 0 |
| INGREDION INC COM | Stock | 457187102 |  | 351471 | 3589 | SH |  | SOLE |  | 3589 | 0 | 0 |
| WARNER BROS DISCOVERY INC COM SER A | Stock | 934423104 |  | 98725 | 10414 | SH |  | SOLE |  | 10414 | 0 | 0 |
| BCE INC COM NEW | Stock | 05534B760 |  | 218784 | 4978 | SH |  | SOLE |  | 4978 | 0 | 0 |
| FIRST FINL BANCORP OH COM | Stock | 320209109 |  | 278064 | 11476 | SH |  | SOLE |  | 11476 | 0 | 0 |
| MONDELEZ INTL INC CL A | Stock | 609207105 |  | 399453 | 5993 | SH |  | SOLE |  | 5993 | 0 | 0 |
| AVAGO TECHNOLOGIES LTD | Stock | 11135F101 |  | 729745 | 1305 | SH |  | SOLE |  | 1305 | 0 | 0 |
| METLIFE INC COM | Stock | 59156R108 |  | 219830 | 3038 | SH |  | SOLE |  | 3037 | 0 | 0 |
| CANADIAN PAC RY LTD COM | Stock | 13645T100 |  | 256146 | 3434 | SH |  | SOLE |  | 3434 | 0 | 0 |
| WISDOMTREE EMERGING MARKETS EX-CHINA FUND | ETF | 97717Y535 |  | 278637 | 11260 | SH |  | SOLE |  | 11260 | 0 | 0 |
| DEUTSCHE BANK A G NAMEN AKT | Stock | D18190898 |  | 248417 | 21564 | SH |  | SOLE |  | 21564 | 0 | 0 |
| HSBC HOLDINGS PLC SPONS ADR | ADR | 404280406 |  | 239804 | 7696 | SH |  | SOLE |  | 7695 | 0 | 0 |
| ING GROEP NV ADR | ADR | 456837103 |  | 134698 | 11068 | SH |  | SOLE |  | 11068 | 0 | 0 |
| MITSUBISHI UFJ FINL GROUP INC SPONSORED | ADR | 606822104 |  | 115211 | 17273 | SH |  | SOLE |  | 17273 | 0 | 0 |
| NOVARTIS AG ADR | ADR | 66987V109 |  | 760946 | 8388 | SH |  | SOLE |  | 8387 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | ETF | 46432F842 |  | 17321099 | 281004 | SH |  | SOLE |  | 281004 | 0 | 0 |
| ROYAL BANK OF CANADA | Stock | 780087102 |  | 382471 | 4068 | SH |  | SOLE |  | 4067 | 0 | 0 |
| TOTAL SA ADR | ADR | 89151E109 |  | 572626 | 9224 | SH |  | SOLE |  | 9224 | 0 | 0 |
| ACCENTURE LTD BERMUDA CL A | Stock | G1151C101 |  | 645647 | 2420 | SH |  | SOLE |  | 2419 | 0 | 0 |
| OMNICOM GROUP INC COM | Stock | 681919106 |  | 449288 | 5508 | SH |  | SOLE |  | 5508 | 0 | 0 |
| GOODYEAR TIRE  RUBR CO COM | Stock | 382550101 |  | 155620 | 15332 | SH |  | SOLE |  | 15332 | 0 | 0 |
| KROGER CO COM | Stock | 501044101 |  | 336044 | 7538 | SH |  | SOLE |  | 7538 | 0 | 0 |
| ENBRIDGE INC COM | Stock | 29250N105 |  | 238724 | 6105 | SH |  | SOLE |  | 6105 | 0 | 0 |
| NVIDIA CORP | Stock | 67066G104 |  | 1272079 | 8705 | SH |  | SOLE |  | 8704 | 0 | 0 |
| EOG RESOURCES INC | Stock | 26875P101 |  | 283171 | 2186 | SH |  | SOLE |  | 2186 | 0 | 0 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 1168421 | 7230 | SH |  | SOLE |  | 7229 | 0 | 0 |
| S GLOBAL INC COM | Stock | 78409V104 |  | 317600 | 948 | SH |  | SOLE |  | 948 | 0 | 0 |
| CABOT OIL  GAS CP COM | Stock | 127097103 |  | 268726 | 10937 | SH |  | SOLE |  | 10937 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS SMALL CAP ETF | ETF | 464286475 |  | 210839 | 4367 | SH |  | SOLE |  | 4367 | 0 | 0 |
| VALE S A SPONSORED ADS | ADR | 91912E105 |  | 191846 | 11305 | SH |  | SOLE |  | 11305 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MANUFACTURING CO LTD | ADR | 874039100 |  | 404457 | 5430 | SH |  | SOLE |  | 5429 | 0 | 0 |
| VERISIGN INC | Stock | 92343E102 |  | 206262 | 1004 | SH |  | SOLE |  | 1004 | 0 | 0 |
| QUALCOMM INC COM | Stock | 747525103 |  | 357639 | 3253 | SH |  | SOLE |  | 3253 | 0 | 0 |
| T-MOBILE US INC COM | Stock | 872590104 |  | 285880 | 2042 | SH |  | SOLE |  | 2042 | 0 | 0 |
| GENERAL DYNAMICS CORP COM | Stock | 369550108 |  | 1133863 | 4570 | SH |  | SOLE |  | 4570 | 0 | 0 |
| INTUITIVE SURGICAL INC. | Stock | 46120E602 |  | 257655 | 971 | SH |  | SOLE |  | 971 | 0 | 0 |
| CULLEN FROST BANKERS INC COM | Stock | 229899109 |  | 575888 | 4307 | SH |  | SOLE |  | 4307 | 0 | 0 |
| MCDONALDS CORP COM | Stock | 580135101 |  | 1286158 | 4881 | SH |  | SOLE |  | 4880 | 0 | 0 |
| QUEST DIAGNOSTICS INC | Stock | 74834L100 |  | 580626 | 3711 | SH |  | SOLE |  | 3711 | 0 | 0 |
| DOVER CORP COM | Stock | 260003108 |  | 471498 | 3482 | SH |  | SOLE |  | 3482 | 0 | 0 |
| CISCO SYS INC | Stock | 17275R102 |  | 1430813 | 30034 | SH |  | SOLE |  | 30033 | 0 | 0 |
| ISHARES TR RUSSELL MIDCAP INDEX FD | ETF | 464287499 |  | 479300 | 7106 | SH |  | SOLE |  | 7106 | 0 | 0 |
| SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF | ETF | 78468R804 |  | 440526 | 3248 | SH |  | SOLE |  | 3248 | 0 | 0 |
| AUTODESK INC | Stock | 052769106 |  | 365013 | 1953 | SH |  | SOLE |  | 1953 | 0 | 0 |
| AT INC COM | Stock | 00206R102 |  | 707369 | 38423 | SH |  | SOLE |  | 38423 | 0 | 0 |
| GENERAL ELECTRIC CO COM NEW | Stock | 369604301 |  | 348843 | 4163 | SH |  | SOLE |  | 4163 | 0 | 0 |
| MOTOROLA SOLUTIONS INC COM NEW | Stock | 620076307 |  | 706766 | 2742 | SH |  | SOLE |  | 2742 | 0 | 0 |
| ISHARES DJ US TECHNOLOGY | ETF | 464287721 |  | 204028 | 2739 | SH |  | SOLE |  | 2739 | 0 | 0 |
| SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF | ETF | 808524755 |  | 1039020 | 35742 | SH |  | SOLE |  | 35742 | 0 | 0 |
| SKYWORKS SOLUTIONS INC COM | Stock | 83088M102 |  | 403186 | 4424 | SH |  | SOLE |  | 4424 | 0 | 0 |
| ISHARES S 500 INDEX | ETF | 464287200 |  | 3623869 | 9432 | SH |  | SOLE |  | 9432 | 0 | 0 |
| CIGNA CORP NEW COM | Stock | 125523100 |  | 409870 | 1237 | SH |  | SOLE |  | 1237 | 0 | 0 |
| WELLS FARGO CO NEW COM | Stock | 949746101 |  | 296457 | 7180 | SH |  | SOLE |  | 7179 | 0 | 0 |
| UNION PAC CORP COM | Stock | 907818108 |  | 673505 | 3253 | SH |  | SOLE |  | 3252 | 0 | 0 |
| CINTAS CORP | Stock | 172908105 |  | 1080575 | 2393 | SH |  | SOLE |  | 2392 | 0 | 0 |
| SALESFORCE COM | Stock | 79466L302 |  | 302173 | 2279 | SH |  | SOLE |  | 2279 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC | Stock | 595017104 |  | 236087 | 3361 | SH |  | SOLE |  | 3360 | 0 | 0 |
| NORTHROP GRUMMAN CORP COM | Stock | 666807102 |  | 371615 | 681 | SH |  | SOLE |  | 681 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC COM | Stock | 883556102 |  | 606335 | 1101 | SH |  | SOLE |  | 1101 | 0 | 0 |
| LOCKHEED MARTIN CORP | Stock | 539830109 |  | 1140381 | 2344 | SH |  | SOLE |  | 2344 | 0 | 0 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 5119524 | 38177 | SH |  | SOLE |  | 38176 | 0 | 0 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 1932476 | 10766 | SH |  | SOLE |  | 10766 | 0 | 0 |
| ISHARES AMT-FREE MUNI BOND ETF | ETF | 464288414 |  | 14092302 | 133551 | SH |  | SOLE |  | 133551 | 0 | 0 |
| CONOCOPHILLIPS COM | Stock | 20825C104 |  | 681385 | 5774 | SH |  | SOLE |  | 5774 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 1959789 | 46695 | SH |  | SOLE |  | 46695 | 0 | 0 |
| CINCINNATI FINL CORP COM | Stock | 172062101 |  | 285668 | 2790 | SH |  | SOLE |  | 2790 | 0 | 0 |
| DANAHER CORP | Stock | 235851102 |  | 436396 | 1644 | SH |  | SOLE |  | 1644 | 0 | 0 |
| M  T BK CORP COM | Stock | 55261F104 |  | 319422 | 2202 | SH |  | SOLE |  | 2202 | 0 | 0 |
| TJX COS INC NEW COM | Stock | 872540109 |  | 463670 | 5825 | SH |  | SOLE |  | 5825 | 0 | 0 |
| BANK AMERICA CORP COM | Stock | 060505104 |  | 708032 | 21378 | SH |  | SOLE |  | 21377 | 0 | 0 |
| WALMART INC COM | Stock | 931142103 |  | 964454 | 6802 | SH |  | SOLE |  | 6801 | 0 | 0 |
| INTL BUSINESS MACHINES | Stock | 459200101 |  | 1054928 | 7488 | SH |  | SOLE |  | 7487 | 0 | 0 |
| ORACLE CORPORATION | Stock | 68389X105 |  | 1145468 | 14014 | SH |  | SOLE |  | 14013 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP COM | Stock | 75513E101 |  | 1183924 | 11731 | SH |  | SOLE |  | 11731 | 0 | 0 |
| TEXAS INSTRS INC COM | Stock | 882508104 |  | 1286050 | 7784 | SH |  | SOLE |  | 7783 | 0 | 0 |
| TARGET CORP COM | Stock | 87612E106 |  | 213368 | 1432 | SH |  | SOLE |  | 1431 | 0 | 0 |
| PFIZER INC COM | Stock | 717081103 |  | 2069369 | 40386 | SH |  | SOLE |  | 40385 | 0 | 0 |
| MORGAN STANLEY | Stock | 617446448 |  | 496995 | 5846 | SH |  | SOLE |  | 5845 | 0 | 0 |
| 3M CO COM | Stock | 88579Y101 |  | 213458 | 1780 | SH |  | SOLE |  | 1780 | 0 | 0 |
| KLA-TENCOR CORP | Stock | 482480100 |  | 247701 | 657 | SH |  | SOLE |  | 656 | 0 | 0 |
| GILEAD SCIENCES INC | Stock | 375558103 |  | 905418 | 10547 | SH |  | SOLE |  | 10546 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 302241 | 1262 | SH |  | SOLE |  | 1261 | 0 | 0 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 1388880 | 15653 | SH |  | SOLE |  | 15652 | 0 | 0 |
| AMERICAN EXPRESS CO COM | Stock | 025816109 |  | 262346 | 1776 | SH |  | SOLE |  | 1775 | 0 | 0 |
| AMGEN INC | Stock | 031162100 |  | 1167528 | 4445 | SH |  | SOLE |  | 4445 | 0 | 0 |
| APPLIED MATLS INC COM | Stock | 038222105 |  | 366159 | 3760 | SH |  | SOLE |  | 3760 | 0 | 0 |
| ANALOG DEVICES INC COM | Stock | 032654105 |  | 534574 | 3259 | SH |  | SOLE |  | 3259 | 0 | 0 |
| CANADIAN NATL RY CO COM | Stock | 136375102 |  | 203984 | 1716 | SH |  | SOLE |  | 1715 | 0 | 0 |
| ISHARES CORE S U.S. GROWTH ETF | ETF | 464287671 |  | 387709 | 4756 | SH |  | SOLE |  | 4756 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 263004 | 1732 | SH |  | SOLE |  | 1732 | 0 | 0 |
| ISHARES MSCI EAFE SMALL-CAP ETF | ETF | 464288273 |  | 456471 | 8082 | SH |  | SOLE |  | 8082 | 0 | 0 |
| ISHARES AGGREGATE BOND ETF | ETF | 464287226 |  | 27601104 | 284577 | SH |  | SOLE |  | 284576 | 0 | 0 |
| ISHARES CORE DIVIDEND GROWTH ETF | ETF | 46434V621 |  | 40020267 | 800405 | SH |  | SOLE |  | 800405 | 0 | 0 |
| EATON CORP PLC SHS | Stock | G29183103 |  | 390193 | 2486 | SH |  | SOLE |  | 2486 | 0 | 0 |
| ALIBABA GROUP HLDG LTD SPONSORED ADS | ADR | 01609W102 |  | 247533 | 2810 | SH |  | SOLE |  | 2810 | 0 | 0 |
| CITIZENS FINL GROUP INC COM | Stock | 174610105 |  | 549554 | 13959 | SH |  | SOLE |  | 13958 | 0 | 0 |
| C H ROBINSON WORLDWIDE INC COM NEW | Stock | 12541W209 |  | 367156 | 4010 | SH |  | SOLE |  | 4010 | 0 | 0 |
| CRANE HLDGS CO COM | Stock | 224441105 |  | 505292 | 5030 | SH |  | SOLE |  | 5030 | 0 | 0 |
| HELMERICH  PAYNE INC COM | Stock | 423452101 |  | 304310 | 6139 | SH |  | SOLE |  | 6139 | 0 | 0 |
| KIMBALL ELECTRONICS INC COM | Stock | 49428J109 |  | 523478 | 23173 | SH |  | SOLE |  | 23173 | 0 | 0 |
| PHILIP MORRIS INTL INC | Stock | 718172109 |  | 558151 | 5515 | SH |  | SOLE |  | 5514 | 0 | 0 |
| ROBERT HALF INTL INC COM | Stock | 770323103 |  | 243213 | 3294 | SH |  | SOLE |  | 3294 | 0 | 0 |
| VANGUARD MEGA CAP GROWTH ETF | ETF | 921910816 |  | 639584 | 3717 | SH |  | SOLE |  | 3717 | 0 | 0 |
| SYNOPSYS INC COM | Stock | 871607107 |  | 360798 | 1130 | SH |  | SOLE |  | 1130 | 0 | 0 |
| PNC FINL SVCS GROUP INC COM | Stock | 693475105 |  | 2335451 | 14787 | SH |  | SOLE |  | 14786 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO COM | Stock | 110122108 |  | 535524 | 7443 | SH |  | SOLE |  | 7443 | 0 | 0 |
| ISHARES RUSSELL 3000 ETF | ETF | 464287689 |  | 596277 | 2702 | SH |  | SOLE |  | 2702 | 0 | 0 |
| ALTRIA GROUP INC COM | Stock | 02209S103 |  | 291245 | 6372 | SH |  | SOLE |  | 6371 | 0 | 0 |
| CADENCE DESIGN SYSTEM INC COM | Stock | 127387108 |  | 238711 | 1486 | SH |  | SOLE |  | 1486 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 3021614 | 27395 | SH |  | SOLE |  | 27394 | 0 | 0 |
| UNITEDHEALTH GROUP | Stock | 91324P102 |  | 2229134 | 4204 | SH |  | SOLE |  | 4204 | 0 | 0 |
| LLOYDS TSB GROUP PLC | ADR | 539439109 |  | 76582 | 34810 | SH |  | SOLE |  | 34810 | 0 | 0 |
| LOWES COS INC COM | Stock | 548661107 |  | 387211 | 1943 | SH |  | SOLE |  | 1943 | 0 | 0 |
| DEERE  CO COM | Stock | 244199105 |  | 412510 | 962 | SH |  | SOLE |  | 962 | 0 | 0 |
| NOVO-NORDISK A/S ADR ADR CMN | ADR | 670100205 |  | 598482 | 4422 | SH |  | SOLE |  | 4422 | 0 | 0 |
| CHARLES SCHWAB CORP | Stock | 808513105 |  | 332707 | 3996 | SH |  | SOLE |  | 3996 | 0 | 0 |
| ACTIVISION INC | Stock | 00507V109 |  | 272135 | 3555 | SH |  | SOLE |  | 3555 | 0 | 0 |
| TORONTO DOMINION BANK | Stock | 891160509 |  | 212866 | 3287 | SH |  | SOLE |  | 3287 | 0 | 0 |
| BLACKROCK INC | Stock | 09247X101 |  | 380045 | 536 | SH |  | SOLE |  | 536 | 0 | 0 |
| ISHARES CORE S MID CAP ETF | ETF | 464287507 |  | 1315398 | 5438 | SH |  | SOLE |  | 5438 | 0 | 0 |
| WISDOMTREE GLOBAL EX-US QUALITY DIVIDEND GROWTH FUND | ETF | 97717W844 |  | 12906703 | 400518 | SH |  | SOLE |  | 400518 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 234991 | 3580 | SH |  | SOLE |  | 3580 | 0 | 0 |
| APPLE INC | Stock | 037833100 |  | 7671868 | 59046 | SH |  | SOLE |  | 59046 | 0 | 0 |
| ABBOTT LABS COM | Stock | 002824100 |  | 636082 | 5794 | SH |  | SOLE |  | 5793 | 0 | 0 |
| DISNEY WALT CO COM | Stock | 254687106 |  | 486041 | 5594 | SH |  | SOLE |  | 5594 | 0 | 0 |
| MARSH  MCLENNAN COS INC COM | Stock | 571748102 |  | 277857 | 1679 | SH |  | SOLE |  | 1679 | 0 | 0 |

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