# EDGAR Filing Document

**Accession Number:** 0000838618
**File Stem:** 0000838618-23-000001
**Filing Date:** 2023-1
**Character Count:** 25797
**Document Hash:** 627c03daa5dffe3d7d1d00a4550ee717
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000838618-23-000001.hdr.sgml**: 20230127

**ACCESSION NUMBER**: 0000838618-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230127

**DATE AS OF CHANGE**: 20230126

**EFFECTIVENESS DATE**: 20230127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PDS Planning, Inc
- **CENTRAL INDEX KEY:** 0000838618
- **IRS NUMBER:** 311255560
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18459
- **FILM NUMBER:** 23558826

**BUSINESS ADDRESS:**
- **STREET 1:** 475 METRO PL S., STE 460
- **CITY:** DUBLIN
- **STATE:** OH
- **ZIP:** 43017
- **BUSINESS PHONE:** 6144818449

**MAIL ADDRESS:**
- **STREET 1:** 475 METRO PL S., STE 460
- **CITY:** DUBLIN
- **STATE:** OH
- **ZIP:** 43017

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PDS PLANNING INC                                        /ADV
- **DATE OF NAME CHANGE:** 19880829

### 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:** PDS Planning Inc<br>**Address:** 475 METRO PL S. STE 460<br>DUBLIN, OH 43017

**Form 13F File Number:** 028-18459

**CRD Number (if applicable):** 000106895

**SEC File Number (if applicable):** 801-33041

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:** Kurt M. Brown<br>**Title:** Chief Compliance Officer<br>**Phone:** 614-481-8449

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

Kurt M. Brown  Columbus, OH  01-26-2023<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:** 225

**Form 13F Information Table Value Total:** $625676931

      (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 |
| 3M CO | COM | 88579Y101 |  | 400250 | 3338 | SH |  | SOLE |  | 0 | 0 | 3338 |
| ABB LTD | SPONSORED ADR | 000375204 |  | 219403 | 7203 | SH |  | SOLE |  | 0 | 0 | 7203 |
| ABBOTT LABS | COM | 002824100 |  | 14010831 | 127615 | SH |  | SOLE |  | 0 | 0 | 127615 |
| ABBVIE INC | COM | 00287Y109 |  | 19755674 | 122243 | SH |  | SOLE |  | 0 | 0 | 122243 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 416804 | 1562 | SH |  | SOLE |  | 0 | 0 | 1562 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 656570 | 1951 | SH |  | SOLE |  | 0 | 0 | 1951 |
| AGILON HEALTH INC | COM | 00857U107 |  | 549680 | 34057 | SH |  | SOLE |  | 0 | 0 | 34057 |
| AIRBNB INC | COM CL A | 009066101 |  | 215289 | 2518 | SH |  | SOLE |  | 0 | 0 | 2518 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 318710 | 3618 | SH |  | SOLE |  | 0 | 0 | 3618 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1602698 | 18165 | SH |  | SOLE |  | 0 | 0 | 18165 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1478597 | 16664 | SH |  | SOLE |  | 0 | 0 | 16664 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 389395 | 8519 | SH |  | SOLE |  | 0 | 0 | 8519 |
| AMAZON COM INC | COM | 023135106 |  | 1629180 | 19395 | SH |  | SOLE |  | 0 | 0 | 19395 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 32349 | 11893 | SH |  | SOLE |  | 0 | 0 | 11893 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 708802 | 7465 | SH |  | SOLE |  | 0 | 0 | 7465 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 259784 | 1758 | SH |  | SOLE |  | 0 | 0 | 1758 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 204021 | 963 | SH |  | SOLE |  | 0 | 0 | 963 |
| AMGEN INC | COM | 031162100 |  | 293106 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 221720 | 2912 | SH |  | SOLE |  | 0 | 0 | 2912 |
| APPLE INC | COM | 037833100 |  | 16659983 | 128223 | SH |  | SOLE |  | 0 | 0 | 128223 |
| APPLIED MATLS INC | COM | 038222105 |  | 223098 | 2291 | SH |  | SOLE |  | 0 | 0 | 2291 |
| APTOSE BIOSCIENCES INC | COM NEW | 03835T200 |  | 5800 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ASE TECHNOLOGY HLDG CO LTD | SPONSORED ADS | 00215W100 |  | 131350 | 20949 | SH |  | SOLE |  | 0 | 0 | 20949 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 446955 | 818 | SH |  | SOLE |  | 0 | 0 | 818 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 500771 | 7386 | SH |  | SOLE |  | 0 | 0 | 7386 |
| AT INC | COM | 00206R102 |  | 428495 | 23275 | SH |  | SOLE |  | 0 | 0 | 23275 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 451107 | 1889 | SH |  | SOLE |  | 0 | 0 | 1889 |
| BANCO BILBAO VIZCAYA ARGENTA | SPONSORED ADR | 05946K101 |  | 95493 | 15889 | SH |  | SOLE |  | 0 | 0 | 15889 |
| BANCO SANTANDER S.A. | ADR | 05964H105 |  | 66605 | 22578 | SH |  | SOLE |  | 0 | 0 | 22578 |
| BANK AMERICA CORP | COM | 060505104 |  | 297194 | 8973 | SH |  | SOLE |  | 0 | 0 | 8973 |
| BARCLAYS BANK PLC | DJUBS CMDT ETN36 | 06738C778 |  | 271939 | 8067 | SH |  | SOLE |  | 0 | 0 | 8067 |
| BATH  BODY WORKS INC | COM | 070830104 |  | 664506 | 15769 | SH |  | SOLE |  | 0 | 0 | 15769 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 284260 | 1118 | SH |  | SOLE |  | 0 | 0 | 1118 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 5350148 | 17320 | SH |  | SOLE |  | 0 | 0 | 17320 |
| BLACKROCK INC | COM | 09247X101 |  | 265028 | 374 | SH |  | SOLE |  | 0 | 0 | 374 |
| BOEING CO | COM | 097023105 |  | 354502 | 1861 | SH |  | SOLE |  | 0 | 0 | 1861 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 426498 | 5928 | SH |  | SOLE |  | 0 | 0 | 5928 |
| BROADCOM INC | COM | 11135F101 |  | 355607 | 636 | SH |  | SOLE |  | 0 | 0 | 636 |
| CANADIAN NATL RY CO | COM | 136375102 |  | 318598 | 2680 | SH |  | SOLE |  | 0 | 0 | 2680 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 405835 | 5279 | SH |  | SOLE |  | 0 | 0 | 5279 |
| CATERPILLAR INC | COM | 149123101 |  | 410616 | 1714 | SH |  | SOLE |  | 0 | 0 | 1714 |
| CHEVRON CORP NEW | COM | 166764100 |  | 899783 | 5013 | SH |  | SOLE |  | 0 | 0 | 5013 |
| CHUBB LIMITED | COM | H1467J104 |  | 281044 | 1274 | SH |  | SOLE |  | 0 | 0 | 1274 |
| CIA ENERGETICA DE MINAS GERA | SP ADR N-V PFD | 204409601 |  | 30375 | 14963 | SH |  | SOLE |  | 0 | 0 | 14963 |
| CIGNA CORP NEW | COM | 125523100 |  | 623501 | 1882 | SH |  | SOLE |  | 0 | 0 | 1882 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 2055502 | 20075 | SH |  | SOLE |  | 0 | 0 | 20075 |
| CISCO SYS INC | COM | 17275R102 |  | 882674 | 18528 | SH |  | SOLE |  | 0 | 0 | 18528 |
| COCA COLA CO | COM | 191216100 |  | 3604835 | 56671 | SH |  | SOLE |  | 0 | 0 | 56671 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 417381 | 11935 | SH |  | SOLE |  | 0 | 0 | 11935 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 1041915 | 8830 | SH |  | SOLE |  | 0 | 0 | 8830 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 375700 | 823 | SH |  | SOLE |  | 0 | 0 | 823 |
| DANAHER CORPORATION | COM | 235851102 |  | 390167 | 1470 | SH |  | SOLE |  | 0 | 0 | 1470 |
| DEERE  CO | COM | 244199105 |  | 2502919 | 5838 | SH |  | SOLE |  | 0 | 0 | 5838 |
| DISNEY WALT CO | COM | 254687106 |  | 464235 | 5343 | SH |  | SOLE |  | 0 | 0 | 5343 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 214229 | 2080 | SH |  | SOLE |  | 0 | 0 | 2080 |
| EATON CORP PLC | SHS | G29183103 |  | 878292 | 5596 | SH |  | SOLE |  | 0 | 0 | 5596 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 510405 | 995 | SH |  | SOLE |  | 0 | 0 | 995 |
| EMERSON ELEC CO | COM | 291011104 |  | 465087 | 4842 | SH |  | SOLE |  | 0 | 0 | 4842 |
| ENBRIDGE INC | COM | 29250N105 |  | 195337 | 4996 | SH |  | SOLE |  | 0 | 0 | 4996 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1713152 | 15532 | SH |  | SOLE |  | 0 | 0 | 15532 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 202865 | 2421 | SH |  | SOLE |  | 0 | 0 | 2421 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 224326 | 2613 | SH |  | SOLE |  | 0 | 0 | 2613 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 209805 | 611 | SH |  | SOLE |  | 0 | 0 | 611 |
| GREIF INC | CL B | 397624206 |  | 727092 | 9294 | SH |  | SOLE |  | 0 | 0 | 9294 |
| GREIF INC | CL A | 397624107 |  | 578057 | 8620 | SH |  | SOLE |  | 0 | 0 | 8620 |
| HOME DEPOT INC | COM | 437076102 |  | 1157665 | 3665 | SH |  | SOLE |  | 0 | 0 | 3665 |
| HONEYWELL INTL INC | COM | 438516106 |  | 235516 | 1099 | SH |  | SOLE |  | 0 | 0 | 1099 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 396991 | 28155 | SH |  | SOLE |  | 0 | 0 | 28155 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 260835 | 1184 | SH |  | SOLE |  | 0 | 0 | 1184 |
| INFOSYS LTD | SPONSORED ADR | 456788108 |  | 268871 | 14929 | SH |  | SOLE |  | 0 | 0 | 14929 |
| INTEL CORP | COM | 458140100 |  | 434304 | 16432 | SH |  | SOLE |  | 0 | 0 | 16432 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 466628 | 3312 | SH |  | SOLE |  | 0 | 0 | 3312 |
| INTUIT | COM | 461202103 |  | 267394 | 687 | SH |  | SOLE |  | 0 | 0 | 687 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 208565 | 786 | SH |  | SOLE |  | 0 | 0 | 786 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 |  | 470399 | 11324 | SH |  | SOLE |  | 0 | 0 | 11324 |
| INVESCO EXCHANGE TRADED FD T | DWA BASIC MATL | 46137V704 |  | 152683 | 1931 | SH |  | SOLE |  | 0 | 0 | 1931 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 337909 | 1269 | SH |  | SOLE |  | 0 | 0 | 1269 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 423030 | 12230 | SH |  | SOLE |  | 0 | 0 | 12230 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 385725 | 4059 | SH |  | SOLE |  | 0 | 0 | 4059 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 231551 | 4365 | SH |  | SOLE |  | 0 | 0 | 4365 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 8179316 | 175146 | SH |  | SOLE |  | 0 | 0 | 175146 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 211391 | 7030 | SH |  | SOLE |  | 0 | 0 | 7030 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 300005 | 6320 | SH |  | SOLE |  | 0 | 0 | 6320 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 32183329 | 133049 | SH |  | SOLE |  | 0 | 0 | 133049 |
| ISHARES TR | CORE S ETF | 464287200 |  | 33838882 | 88074 | SH |  | SOLE |  | 0 | 0 | 88074 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 312819 | 2063 | SH |  | SOLE |  | 0 | 0 | 2063 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 228031 | 1064 | SH |  | SOLE |  | 0 | 0 | 1064 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 909486 | 6559 | SH |  | SOLE |  | 0 | 0 | 6559 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 37960317 | 391384 | SH |  | SOLE |  | 0 | 0 | 391384 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 18873846 | 378841 | SH |  | SOLE |  | 0 | 0 | 378841 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 11741347 | 111271 | SH |  | SOLE |  | 0 | 0 | 111271 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 1281620 | 27176 | SH |  | SOLE |  | 0 | 0 | 27176 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 7350042 | 70490 | SH |  | SOLE |  | 0 | 0 | 70490 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 641517 | 8898 | SH |  | SOLE |  | 0 | 0 | 8898 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 535418 | 8421 | SH |  | SOLE |  | 0 | 0 | 8421 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 10193935 | 165379 | SH |  | SOLE |  | 0 | 0 | 165379 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 4117231 | 88657 | SH |  | SOLE |  | 0 | 0 | 88657 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 16443794 | 724077 | SH |  | SOLE |  | 0 | 0 | 724077 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 5750274 | 120931 | SH |  | SOLE |  | 0 | 0 | 120931 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 271253 | 4126 | SH |  | SOLE |  | 0 | 0 | 4126 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 223810 | 2641 | SH |  | SOLE |  | 0 | 0 | 2641 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 330820 | 13918 | SH |  | SOLE |  | 0 | 0 | 13918 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 3957564 | 78946 | SH |  | SOLE |  | 0 | 0 | 78946 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 6090196 | 120514 | SH |  | SOLE |  | 0 | 0 | 120514 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1834149 | 10383 | SH |  | SOLE |  | 0 | 0 | 10383 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 4444565 | 33144 | SH |  | SOLE |  | 0 | 0 | 33144 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 |  | 209390 | 1224 | SH |  | SOLE |  | 0 | 0 | 1224 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 262073 | 1931 | SH |  | SOLE |  | 0 | 0 | 1931 |
| KOREA ELEC PWR CORP | SPONSORED ADR | 500631106 |  | 120459 | 13942 | SH |  | SOLE |  | 0 | 0 | 13942 |
| LG DISPLAY CO LTD | SPONS ADR REP | 50186V102 |  | 90991 | 18345 | SH |  | SOLE |  | 0 | 0 | 18345 |
| LILLY ELI  CO | COM | 532457108 |  | 1232936 | 3370 | SH |  | SOLE |  | 0 | 0 | 3370 |
| LINDE PLC | SHS | G5494J103 |  | 369236 | 1132 | SH |  | SOLE |  | 0 | 0 | 1132 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 |  | 38898 | 17681 | SH |  | SOLE |  | 0 | 0 | 17681 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 532707 | 1095 | SH |  | SOLE |  | 0 | 0 | 1095 |
| LOWES COS INC | COM | 548661107 |  | 598479 | 3004 | SH |  | SOLE |  | 0 | 0 | 3004 |
| MARATHON PETE CORP | COM | 56585A102 |  | 318000 | 2732 | SH |  | SOLE |  | 0 | 0 | 2732 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 229190 | 1385 | SH |  | SOLE |  | 0 | 0 | 1385 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 790738 | 2274 | SH |  | SOLE |  | 0 | 0 | 2274 |
| MCDONALDS CORP | COM | 580135101 |  | 638438 | 2423 | SH |  | SOLE |  | 0 | 0 | 2423 |
| MCKESSON CORP | COM | 58155Q103 |  | 204806 | 546 | SH |  | SOLE |  | 0 | 0 | 546 |
| MEDPACE HLDGS INC | COM | 58506Q109 |  | 500013 | 2354 | SH |  | SOLE |  | 0 | 0 | 2354 |
| MERCK  CO INC | COM | 58933Y105 |  | 856371 | 7719 | SH |  | SOLE |  | 0 | 0 | 7719 |
| META PLATFORMS INC | CL A | 30303M102 |  | 593758 | 4934 | SH |  | SOLE |  | 0 | 0 | 4934 |
| MICROSOFT CORP | COM | 594918104 |  | 5930932 | 24731 | SH |  | SOLE |  | 0 | 0 | 24731 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 60222 | 21205 | SH |  | SOLE |  | 0 | 0 | 21205 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 200217 | 3004 | SH |  | SOLE |  | 0 | 0 | 3004 |
| NAVIDEA BIOPHARMACEUTICALS I | COM NEW | 63937X202 |  | 2219 | 10565 | SH |  | SOLE |  | 0 | 0 | 10565 |
| NETFLIX INC | COM | 64110L106 |  | 335573 | 1138 | SH |  | SOLE |  | 0 | 0 | 1138 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 843858 | 10094 | SH |  | SOLE |  | 0 | 0 | 10094 |
| NIKE INC | CL B | 654106103 |  | 365307 | 3122 | SH |  | SOLE |  | 0 | 0 | 3122 |
| NISOURCE INC | COM | 65473P105 |  | 477406 | 17411 | SH |  | SOLE |  | 0 | 0 | 17411 |
| NOMURA HLDGS INC | SPONSORED ADR | 65535H208 |  | 48638 | 12970 | SH |  | SOLE |  | 0 | 0 | 12970 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 341006 | 625 | SH |  | SOLE |  | 0 | 0 | 625 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 241497 | 2662 | SH |  | SOLE |  | 0 | 0 | 2662 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 503735 | 3722 | SH |  | SOLE |  | 0 | 0 | 3722 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1186077 | 8116 | SH |  | SOLE |  | 0 | 0 | 8116 |
| ORACLE CORP | COM | 68389X105 |  | 701002 | 8576 | SH |  | SOLE |  | 0 | 0 | 8576 |
| PARK NATL CORP | COM | 700658107 |  | 239312 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| PEPSICO INC | COM | 713448108 |  | 1090136 | 6034 | SH |  | SOLE |  | 0 | 0 | 6034 |
| PFIZER INC | COM | 717081103 |  | 983991 | 19204 | SH |  | SOLE |  | 0 | 0 | 19204 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 259082 | 2560 | SH |  | SOLE |  | 0 | 0 | 2560 |
| PHILLIPS 66 | COM | 718546104 |  | 391614 | 3763 | SH |  | SOLE |  | 0 | 0 | 3763 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 218115 | 1381 | SH |  | SOLE |  | 0 | 0 | 1381 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 3874066 | 25561 | SH |  | SOLE |  | 0 | 0 | 25561 |
| PROLOGIS INC. | COM | 74340W103 |  | 393879 | 3494 | SH |  | SOLE |  | 0 | 0 | 3494 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 210181 | 3430 | SH |  | SOLE |  | 0 | 0 | 3430 |
| QUALCOMM INC | COM | 747525103 |  | 237910 | 2164 | SH |  | SOLE |  | 0 | 0 | 2164 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 227676 | 2256 | SH |  | SOLE |  | 0 | 0 | 2256 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 256129 | 355 | SH |  | SOLE |  | 0 | 0 | 355 |
| S GLOBAL INC | COM | 78409V104 |  | 228764 | 683 | SH |  | SOLE |  | 0 | 0 | 683 |
| SALESFORCE INC | COM | 79466L302 |  | 232165 | 1751 | SH |  | SOLE |  | 0 | 0 | 1751 |
| SAP SE | SPON ADR | 803054204 |  | 274589 | 2661 | SH |  | SOLE |  | 0 | 0 | 2661 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 338535 | 4066 | SH |  | SOLE |  | 0 | 0 | 4066 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 277229 | 6187 | SH |  | SOLE |  | 0 | 0 | 6187 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 164671 | 5112 | SH |  | SOLE |  | 0 | 0 | 5112 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 34479 | 851 | SH |  | SOLE |  | 0 | 0 | 851 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 476941 | 6314 | SH |  | SOLE |  | 0 | 0 | 6314 |
| SERVICENOW INC | COM | 81762P102 |  | 206560 | 532 | SH |  | SOLE |  | 0 | 0 | 532 |
| SHELL PLC | SPON ADS | 780259305 |  | 246821 | 4334 | SH |  | SOLE |  | 0 | 0 | 4334 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 412242 | 1737 | SH |  | SOLE |  | 0 | 0 | 1737 |
| SHINHAN FINANCIAL GROUP CO L | SPN ADR RESTRD | 824596100 |  | 218022 | 7806 | SH |  | SOLE |  | 0 | 0 | 7806 |
| SONY GROUP CORPORATION | SPONSORED ADR | 835699307 |  | 304586 | 3993 | SH |  | SOLE |  | 0 | 0 | 3993 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 759818 | 4479 | SH |  | SOLE |  | 0 | 0 | 4479 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 278325 | 6805 | SH |  | SOLE |  | 0 | 0 | 6805 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 985170 | 2576 | SH |  | SOLE |  | 0 | 0 | 2576 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 2102763 | 16807 | SH |  | SOLE |  | 0 | 0 | 16807 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 242396 | 2650 | SH |  | SOLE |  | 0 | 0 | 2650 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 1675308 | 52633 | SH |  | SOLE |  | 0 | 0 | 52633 |
| SSGA ACTIVE ETF TR | GLOBL ALLO ETF | 78467V400 |  | 2498074 | 66509 | SH |  | SOLE |  | 0 | 0 | 66509 |
| STARBUCKS CORP | COM | 855244109 |  | 409142 | 4124 | SH |  | SOLE |  | 0 | 0 | 4124 |
| STRYKER CORPORATION | COM | 863667101 |  | 281897 | 1153 | SH |  | SOLE |  | 0 | 0 | 1153 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 92278 | 11506 | SH |  | SOLE |  | 0 | 0 | 11506 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 750859 | 10080 | SH |  | SOLE |  | 0 | 0 | 10080 |
| TARGET CORP | COM | 87612E106 |  | 578424 | 3881 | SH |  | SOLE |  | 0 | 0 | 3881 |
| TESLA INC | COM | 88160R101 |  | 599154 | 4864 | SH |  | SOLE |  | 0 | 0 | 4864 |
| TEXAS INSTRS INC | COM | 882508104 |  | 517634 | 3133 | SH |  | SOLE |  | 0 | 0 | 3133 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 849898 | 1543 | SH |  | SOLE |  | 0 | 0 | 1543 |
| TJX COS INC NEW | COM | 872540109 |  | 260451 | 3272 | SH |  | SOLE |  | 0 | 0 | 3272 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 252434 | 3898 | SH |  | SOLE |  | 0 | 0 | 3898 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 246892 | 3977 | SH |  | SOLE |  | 0 | 0 | 3977 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 243932 | 1786 | SH |  | SOLE |  | 0 | 0 | 1786 |
| TURKCELL ILETISIM HIZMETLERI | SPON ADR NEW | 900111204 |  | 60320 | 12593 | SH |  | SOLE |  | 0 | 0 | 12593 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 382340 | 7594 | SH |  | SOLE |  | 0 | 0 | 7594 |
| UNION PAC CORP | COM | 907818108 |  | 437784 | 2114 | SH |  | SOLE |  | 0 | 0 | 2114 |
| UNITED MICROELECTRONICS CORP | SPON ADR NEW | 910873405 |  | 196827 | 30142 | SH |  | SOLE |  | 0 | 0 | 30142 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 5951512 | 34236 | SH |  | SOLE |  | 0 | 0 | 34236 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1666034 | 3142 | SH |  | SOLE |  | 0 | 0 | 3142 |
| US BANCORP DEL | COM NEW | 902973304 |  | 360829 | 8274 | SH |  | SOLE |  | 0 | 0 | 8274 |
| VANECK MERK GOLD TR | GOLD TRUST | 921078101 |  | 2967993 | 167778 | SH |  | SOLE |  | 0 | 0 | 167778 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 15892083 | 211106 | SH |  | SOLE |  | 0 | 0 | 211106 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 8670482 | 120692 | SH |  | SOLE |  | 0 | 0 | 120692 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 25676593 | 541358 | SH |  | SOLE |  | 0 | 0 | 541358 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3293692 | 17227 | SH |  | SOLE |  | 0 | 0 | 17227 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1332355 | 9492 | SH |  | SOLE |  | 0 | 0 | 9492 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5781278 | 28366 | SH |  | SOLE |  | 0 | 0 | 28366 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 45639781 | 287404 | SH |  | SOLE |  | 0 | 0 | 287404 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 5010904 | 60753 | SH |  | SOLE |  | 0 | 0 | 60753 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 7265523 | 39586 | SH |  | SOLE |  | 0 | 0 | 39586 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 309418 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 219915 | 1097 | SH |  | SOLE |  | 0 | 0 | 1097 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1700190 | 9760 | SH |  | SOLE |  | 0 | 0 | 9760 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1118289 | 3183 | SH |  | SOLE |  | 0 | 0 | 3183 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 30212227 | 775070 | SH |  | SOLE |  | 0 | 0 | 775070 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 7300641 | 145605 | SH |  | SOLE |  | 0 | 0 | 145605 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 2227015 | 21661 | SH |  | SOLE |  | 0 | 0 | 21661 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 2698543 | 31309 | SH |  | SOLE |  | 0 | 0 | 31309 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 6927527 | 139978 | SH |  | SOLE |  | 0 | 0 | 139978 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 758160 | 10083 | SH |  | SOLE |  | 0 | 0 | 10083 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 32429131 | 213560 | SH |  | SOLE |  | 0 | 0 | 213560 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 49689394 | 1183926 | SH |  | SOLE |  | 0 | 0 | 1183926 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 751300 | 6943 | SH |  | SOLE |  | 0 | 0 | 6943 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 4441223 | 63783 | SH |  | SOLE |  | 0 | 0 | 63783 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 258666 | 3928 | SH |  | SOLE |  | 0 | 0 | 3928 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 499249 | 4116 | SH |  | SOLE |  | 0 | 0 | 4116 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 235092 | 948 | SH |  | SOLE |  | 0 | 0 | 948 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 354057 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 463548 | 11765 | SH |  | SOLE |  | 0 | 0 | 11765 |
| VICTORIAS SECRET AND CO | COMMON STOCK | 926400102 |  | 234180 | 6545 | SH |  | SOLE |  | 0 | 0 | 6545 |
| VISA INC | COM CL A | 92826C839 |  | 1022387 | 4921 | SH |  | SOLE |  | 0 | 0 | 4921 |
| WALMART INC | COM | 931142103 |  | 443380 | 3127 | SH |  | SOLE |  | 0 | 0 | 3127 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 222016 | 5377 | SH |  | SOLE |  | 0 | 0 | 5377 |
| WENDYS CO | COM | 95058W100 |  | 190522 | 8419 | SH |  | SOLE |  | 0 | 0 | 8419 |
| WIPRO LTD | SPON ADR 1 SH | 97651M109 |  | 147503 | 31653 | SH |  | SOLE |  | 0 | 0 | 31653 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 170708 | 4717 | SH |  | SOLE |  | 0 | 0 | 4717 |
| WORTHINGTON INDS INC | COM | 981811102 |  | 650652 | 13089 | SH |  | SOLE |  | 0 | 0 | 13089 |

---