# EDGAR Filing Document

**Accession Number:** 0001801989
**File Stem:** 0001398344-23-000697
**Filing Date:** 2023-1
**Character Count:** 12389
**Document Hash:** c9e42633311fd1bba18fcd0a2fa60771
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-000697.hdr.sgml**: 20230118

**ACCESSION NUMBER**: 0001398344-23-000697

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230118

**DATE AS OF CHANGE**: 20230118

**EFFECTIVENESS DATE**: 20230118

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Cardinal Strategic Wealth Guidance
- **CENTRAL INDEX KEY:** 0001801989
- **IRS NUMBER:** 811421751
- **STATE OF INCORPORATION:** KY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19750
- **FILM NUMBER:** 23534330

**BUSINESS ADDRESS:**
- **STREET 1:** 9750 ORMSBY STATION RD
- **STREET 2:** SUITE 102
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223
- **BUSINESS PHONE:** 5028053000

**MAIL ADDRESS:**
- **STREET 1:** 9750 ORMSBY STATION RD
- **STREET 2:** SUITE 102
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223

### 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:** Cardinal Strategic Wealth Guidance<br>**Address:** 9750 ORMSBY STATION RD<br>SUITE 102<br>LOUISVILLE, KY 40223

**Form 13F File Number:** 028-19750

**CRD Number (if applicable):** 000283226

**SEC File Number (if applicable):** 801-107417

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:** Emily Saling<br>**Title:** Chief Compliance Officer<br>**Phone:** 502-805-3000

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

/s/ Emily Saling  Louisville, KY  01-18-2023<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:** 89

**Form 13F Information Table Value Total:** $208041087

      (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 |  | 255586 | 2129 | SH |  | SOLE |  | 2129 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 325637 | 2966 | SH |  | SOLE |  | 2966 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 674431 | 4166 | SH |  | SOLE |  | 4166 | 0 | 0 |
| AGENUS INC | COM NEW | 00847G705 |  | 1464636 | 610265 | SH |  | SOLE |  | 610265 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 505761 | 5700 | SH |  | SOLE |  | 5700 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 416622 | 4722 | SH |  | SOLE |  | 4722 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 381024 | 4536 | SH |  | SOLE |  | 4536 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 2747943 | 21159 | SH |  | SOLE |  | 21159 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 624619 | 2615 | SH |  | SOLE |  | 2615 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1100691 | 3563 | SH |  | SOLE |  | 3563 | 0 | 0 |
| BLACKROCK INC | COM | 09247X101 |  | 227470 | 321 | SH |  | SOLE |  | 321 | 0 | 0 |
| CHURCHILL DOWNS INC | COM | 171484108 |  | 909360 | 4301 | SH |  | SOLE |  | 4301 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 431837 | 9072 | SH |  | SOLE |  | 9072 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 466279 | 5918 | SH |  | SOLE |  | 5918 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 744095 | 1630 | SH |  | SOLE |  | 1630 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 339006 | 3635 | SH |  | SOLE |  | 3635 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 296884 | 3413 | SH |  | SOLE |  | 3413 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 323477 | 2933 | SH |  | SOLE |  | 2933 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1149767 | 3626 | SH |  | SOLE |  | 3626 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 775766 | 3620 | SH |  | SOLE |  | 3620 | 0 | 0 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 11688157 | 122979 | SH |  | SOLE |  | 122979 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 5461092 | 102935 | SH |  | SOLE |  | 102935 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 5681833 | 121646 | SH |  | SOLE |  | 121646 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 722 | 24 | SH |  | SOLE |  | 24 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 |  | 2243337 | 13152 | SH |  | SOLE |  | 13152 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 2459 | 29 | SH |  | SOLE |  | 29 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 133476 | 1254 | SH |  | SOLE |  | 1254 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 51796292 | 134803 | SH |  | SOLE |  | 134803 | 0 | 0 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 2020941 | 45079 | SH |  | SOLE |  | 45079 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 95940 | 1640 | SH |  | SOLE |  | 1640 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 2088769 | 20980 | SH |  | SOLE |  | 20980 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 63014 | 960 | SH |  | SOLE |  | 960 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1956 | 29 | SH |  | SOLE |  | 29 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 402985 | 1881 | SH |  | SOLE |  | 1881 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 44835 | 209 | SH |  | SOLE |  | 209 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 130071 | 745 | SH |  | SOLE |  | 745 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 11484218 | 140872 | SH |  | SOLE |  | 140872 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1812655 | 24334 | SH |  | SOLE |  | 24334 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2777837 | 29349 | SH |  | SOLE |  | 29349 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 20326602 | 194942 | SH |  | SOLE |  | 194942 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 303053 | 2869 | SH |  | SOLE |  | 2869 | 0 | 0 |
| ISHARES TR | RESIDENTIAL MULT | 464288562 |  | 8064 | 118 | SH |  | SOLE |  | 118 | 0 | 0 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 946 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 7719045 | 168229 | SH |  | SOLE |  | 168229 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 4985863 | 59516 | SH |  | SOLE |  | 59516 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 81198 | 1277 | SH |  | SOLE |  | 1277 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 6657278 | 92312 | SH |  | SOLE |  | 92312 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 14872720 | 130486 | SH |  | SOLE |  | 130486 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 2255040 | 24742 | SH |  | SOLE |  | 24742 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 2082571 | 14271 | SH |  | SOLE |  | 14271 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 2258366 | 36638 | SH |  | SOLE |  | 36638 | 0 | 0 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 1266647 | 18233 | SH |  | SOLE |  | 18233 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 5716886 | 67453 | SH |  | SOLE |  | 67453 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2302 | 70 | SH |  | SOLE |  | 70 | 0 | 0 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 867468 | 23920 | SH |  | SOLE |  | 23920 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 7421293 | 148044 | SH |  | SOLE |  | 148044 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1076375 | 6086 | SH |  | SOLE |  | 6086 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 670852 | 5013 | SH |  | SOLE |  | 5013 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 298160 | 815 | SH |  | SOLE |  | 815 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 240084 | 1205 | SH |  | SOLE |  | 1205 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 524029 | 1507 | SH |  | SOLE |  | 1507 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 401529 | 3619 | SH |  | SOLE |  | 3619 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 2775082 | 11561 | SH |  | SOLE |  | 11561 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 399483 | 2211 | SH |  | SOLE |  | 2211 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 801263 | 15632 | SH |  | SOLE |  | 15632 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 1180602 | 7475 | SH |  | SOLE |  | 7475 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 942000 | 6209 | SH |  | SOLE |  | 6209 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 2783185 | 20486 | SH |  | SOLE |  | 20486 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 1861005 | 21279 | SH |  | SOLE |  | 21279 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 30986 | 249 | SH |  | SOLE |  | 249 | 0 | 0 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 713414 | 3006 | SH |  | SOLE |  | 3006 | 0 | 0 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 213382 | 7386 | SH |  | SOLE |  | 7386 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 12718 | 344 | SH |  | SOLE |  | 344 | 0 | 0 |
| STOCK YDS BANCORP INC | COM | 861025104 |  | 1411301 | 21719 | SH |  | SOLE |  | 21719 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 709779 | 3422 | SH |  | SOLE |  | 3422 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 899 | 5 | SH |  | SOLE |  | 5 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 96259 | 480 | SH |  | SOLE |  | 480 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 33348 | 210 | SH |  | SOLE |  | 210 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 32987 | 235 | SH |  | SOLE |  | 235 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2202 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 637810 | 3336 | SH |  | SOLE |  | 3336 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 230300 | 2672 | SH |  | SOLE |  | 2672 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 62188 | 1576 | SH |  | SOLE |  | 1576 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 122 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 18245 | 331 | SH |  | SOLE |  | 331 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 213510 | 3651 | SH |  | SOLE |  | 3651 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 209754 | 3404 | SH |  | SOLE |  | 3404 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 304004 | 2002 | SH |  | SOLE |  | 2002 | 0 | 0 |
| WATERS CORP | COM | 941848103 |  | 237408 | 693 | SH |  | SOLE |  | 693 | 0 | 0 |

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