# EDGAR Filing Document

**Accession Number:** 0001811240
**File Stem:** 0001811240-26-000001
**Filing Date:** 2026-2
**Character Count:** 24311
**Document Hash:** 6307b957e7b870960e4fc97d6583fe91
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001811240-26-000001.hdr.sgml**: 20260202

**ACCESSION NUMBER**: 0001811240-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260202

**DATE AS OF CHANGE**: 20260202

**EFFECTIVENESS DATE**: 20260202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Souders Financial Advisors
- **CENTRAL INDEX KEY:** 0001811240

**ORGANIZATION NAME:**
- **EIN:** 824516448
- **STATE OF INCORPORATION:** OH

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20245
- **FILM NUMBER:** 26586622

**BUSINESS ADDRESS:**
- **STREET 1:** 5968 BRIDGETOWN ROAD
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45248
- **BUSINESS PHONE:** 5135982400

**MAIL ADDRESS:**
- **STREET 1:** 5968 BRIDGETOWN ROAD
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45248

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Souders Financial Advisors<br>**Address:** 5968 BRIDGETOWN ROAD<br>CINCINNATI, OH 45248

**Form 13F File Number:** 028-20245

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:** Eric Myers<br>**Title:** Compliance Consultant<br>**Phone:** 513.618.4486

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

Eric Myers  Cincinnati, OH  02-02-2026<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:** 208

**Form 13F Information Table Value Total:** $873239154

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 2079289 | 16596 | SH |  | SOLE | 0 | 0 | 0 | 16596 |
| ABBVIE INC | COM | 00287Y109 |  | 1758009 | 7694 | SH |  | SOLE | 0 | 0 | 0 | 7694 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 331351 | 1235 | SH |  | SOLE | 0 | 0 | 0 | 1235 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 396410 | 1851 | SH |  | SOLE | 0 | 0 | 0 | 1851 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 573350 | 3382 | SH |  | SOLE | 0 | 0 | 0 | 3382 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 372478 | 1508 | SH |  | SOLE | 0 | 0 | 0 | 1508 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 560687 | 1410 | SH |  | SOLE | 0 | 0 | 0 | 1410 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 4473953 | 14294 | SH |  | SOLE | 0 | 0 | 0 | 14294 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 7915202 | 25224 | SH |  | SOLE | 0 | 0 | 0 | 25224 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 343481 | 5957 | SH |  | SOLE | 0 | 0 | 0 | 5957 |
| AMAZON COM INC | COM | 023135106 |  | 7363158 | 31900 | SH |  | SOLE | 0 | 0 | 0 | 31900 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 2164297 | 5850 | SH |  | SOLE | 0 | 0 | 0 | 5850 |
| AMERICAN FINL GROUP INC OHIO | COM | 025932104 |  | 202303 | 1480 | SH |  | SOLE | 0 | 0 | 0 | 1480 |
| AMERICAN INTL GROUP INC | COM NEW | 026874784 |  | 277011 | 3238 | SH |  | SOLE | 0 | 0 | 0 | 3238 |
| AMGEN INC | COM | 031162100 |  | 1743856 | 5328 | SH |  | SOLE | 0 | 0 | 0 | 5328 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 395963 | 2930 | SH |  | SOLE | 0 | 0 | 0 | 2930 |
| AMPLIFY ETF TR | CWP ENHANCED DIV | 032108409 |  | 10327212 | 232072 | SH |  | SOLE | 0 | 0 | 0 | 232072 |
| AMPLIFY ETF TR | CWP GROWTH  INC | 032108524 |  | 425467 | 14661 | SH |  | SOLE | 0 | 0 | 0 | 14661 |
| APPLE INC | COM | 037833100 |  | 16471769 | 60589 | SH |  | SOLE | 0 | 0 | 0 | 60589 |
| APPLIED MATLS INC | COM | 038222105 |  | 628301 | 2445 | SH |  | SOLE | 0 | 0 | 0 | 2445 |
| ARAMARK | COM | 03852U106 |  | 669408 | 18161 | SH |  | SOLE | 0 | 0 | 0 | 18161 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 358403 | 335 | SH |  | SOLE | 0 | 0 | 0 | 335 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 378831 | 4121 | SH |  | SOLE | 0 | 0 | 0 | 4121 |
| ATI INC | COM | 01741R102 |  | 276916 | 2413 | SH |  | SOLE | 0 | 0 | 0 | 2413 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 234347 | 1398 | SH |  | SOLE | 0 | 0 | 0 | 1398 |
| AURORA INNOVATION INC | CLASS A COM | 051774107 |  | 66816 | 17400 | SH |  | SOLE | 0 | 0 | 0 | 17400 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 806489 | 3135 | SH |  | SOLE | 0 | 0 | 0 | 3135 |
| BAKER HUGHES COMPANY | CL A | 05722G100 |  | 222918 | 4895 | SH |  | SOLE | 0 | 0 | 0 | 4895 |
| BANK AMERICA CORP | COM | 060505104 |  | 1328590 | 24156 | SH |  | SOLE | 0 | 0 | 0 | 24156 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 947998 | 1886 | SH |  | SOLE | 0 | 0 | 0 | 1886 |
| BOEING CO | COM | 097023105 |  | 500244 | 2304 | SH |  | SOLE | 0 | 0 | 0 | 2304 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 456672 | 8466 | SH |  | SOLE | 0 | 0 | 0 | 8466 |
| BRITISH AMERN TOB PLC | SPONSORED ADR | 110448107 |  | 1830722 | 32333 | SH |  | SOLE | 0 | 0 | 0 | 32333 |
| BROADCOM INC | COM | 11135F101 |  | 10078307 | 29120 | SH |  | SOLE | 0 | 0 | 0 | 29120 |
| CANADIAN NAT RES LTD | COM | 136385101 |  | 430234 | 12710 | SH |  | SOLE | 0 | 0 | 0 | 12710 |
| CAPITAL GROUP CORE EQUITY ET | SHS CREATION UNI | 14020V108 |  | 38883881 | 966539 | SH |  | SOLE | 0 | 0 | 0 | 966539 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 57664494 | 1321368 | SH |  | SOLE | 0 | 0 | 0 | 1321368 |
| CAPITAL GROUP EQUITY ETF TR | US SMALL AND MID | 14022A102 |  | 6942384 | 240721 | SH |  | SOLE | 0 | 0 | 0 | 240721 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 12178184 | 351463 | SH |  | SOLE | 0 | 0 | 0 | 351463 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 15789760 | 355065 | SH |  | SOLE | 0 | 0 | 0 | 355065 |
| CAPITAL GROUP INTERNATIONAL | SHS | 14021T102 |  | 12194909 | 375228 | SH |  | SOLE | 0 | 0 | 0 | 375228 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 18078813 | 611804 | SH |  | SOLE | 0 | 0 | 0 | 611804 |
| CAPITAL GROUP NEW GEOGRAPHY | SHS | 14021N105 |  | 5772854 | 180797 | SH |  | SOLE | 0 | 0 | 0 | 180797 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 69064328 | 3050545 | SH |  | SOLE | 0 | 0 | 0 | 3050545 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 10516177 | 380745 | SH |  | SOLE | 0 | 0 | 0 | 380745 |
| CAPITAL GRP FIXED INCM ETF T | MUNICIPAL INCOME | 14020Y201 |  | 1489257 | 54392 | SH |  | SOLE | 0 | 0 | 0 | 54392 |
| CAPITAL GRP FIXED INCM ETF T | SHORT DURATION M | 14020Y607 |  | 768232 | 29166 | SH |  | SOLE | 0 | 0 | 0 | 29166 |
| CAPITAL GRP FIXED INCM ETF T | SHORT DURATION | 14020Y409 |  | 11857122 | 455868 | SH |  | SOLE | 0 | 0 | 0 | 455868 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 682970 | 2818 | SH |  | SOLE | 0 | 0 | 0 | 2818 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 1312219 | 24834 | SH |  | SOLE | 0 | 0 | 0 | 24834 |
| CATERPILLAR INC | COM | 149123101 |  | 1712813 | 2990 | SH |  | SOLE | 0 | 0 | 0 | 2990 |
| CENOVUS ENERGY INC | COM | 15135U109 |  | 181450 | 10724 | SH |  | SOLE | 0 | 0 | 0 | 10724 |
| CENTERPOINT ENERGY INC | COM | 15189T107 |  | 422420 | 11018 | SH |  | SOLE | 0 | 0 | 0 | 11018 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1205999 | 7913 | SH |  | SOLE | 0 | 0 | 0 | 7913 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 302845 | 8185 | SH |  | SOLE | 0 | 0 | 0 | 8185 |
| CHUBB LIMITED | COM | H1467J104 |  | 388902 | 1246 | SH |  | SOLE | 0 | 0 | 0 | 1246 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 4703293 | 28798 | SH |  | SOLE | 0 | 0 | 0 | 28798 |
| CINTAS CORP | COM | 172908105 |  | 481466 | 2560 | SH |  | SOLE | 0 | 0 | 0 | 2560 |
| CISCO SYS INC | COM | 17275R102 |  | 655049 | 8504 | SH |  | SOLE | 0 | 0 | 0 | 8504 |
| CITIGROUP INC | COM NEW | 172967424 |  | 204088 | 1749 | SH |  | SOLE | 0 | 0 | 0 | 1749 |
| CLOROX CO DEL | COM | 189054109 |  | 311867 | 3093 | SH |  | SOLE | 0 | 0 | 0 | 3093 |
| CLOUDFLARE INC | CL A COM | 18915M107 |  | 444179 | 2253 | SH |  | SOLE | 0 | 0 | 0 | 2253 |
| CME GROUP INC | COM | 12572Q105 |  | 2194566 | 8036 | SH |  | SOLE | 0 | 0 | 0 | 8036 |
| COCA COLA CO | COM | 191216100 |  | 907024 | 12974 | SH |  | SOLE | 0 | 0 | 0 | 12974 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 314464 | 10521 | SH |  | SOLE | 0 | 0 | 0 | 10521 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 398606 | 4258 | SH |  | SOLE | 0 | 0 | 0 | 4258 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 217563 | 1577 | SH |  | SOLE | 0 | 0 | 0 | 1577 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 738170 | 2090 | SH |  | SOLE | 0 | 0 | 0 | 2090 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 738628 | 857 | SH |  | SOLE | 0 | 0 | 0 | 857 |
| CVS HEALTH CORP | COM | 126650100 |  | 366006 | 4612 | SH |  | SOLE | 0 | 0 | 0 | 4612 |
| DANAHER CORPORATION | COM | 235851102 |  | 553713 | 2419 | SH |  | SOLE | 0 | 0 | 0 | 2419 |
| DISNEY WALT CO | COM | 254687106 |  | 252409 | 2219 | SH |  | SOLE | 0 | 0 | 0 | 2219 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1436696 | 12257 | SH |  | SOLE | 0 | 0 | 0 | 12257 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 728993 | 2080 | SH |  | SOLE | 0 | 0 | 0 | 2080 |
| ELI LILLY  CO | COM | 532457108 |  | 4132579 | 3845 | SH |  | SOLE | 0 | 0 | 0 | 3845 |
| EOS ENERGY ENTERPRISES INC | COM CL A | 29415C101 |  | 716330 | 62507 | SH |  | SOLE | 0 | 0 | 0 | 62507 |
| EQUINIX INC | COM | 29444U700 |  | 480620 | 627 | SH |  | SOLE | 0 | 0 | 0 | 627 |
| EXPAND ENERGY CORPORATION | COM | 165167735 |  | 256918 | 2328 | SH |  | SOLE | 0 | 0 | 0 | 2328 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 877598 | 7293 | SH |  | SOLE | 0 | 0 | 0 | 7293 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 30109322 | 653982 | SH |  | SOLE | 0 | 0 | 0 | 653982 |
| FIRST FINL BANCORP OH | COM | 320209109 |  | 1888644 | 75485 | SH |  | SOLE | 0 | 0 | 0 | 75485 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 |  | 428249 | 8432 | SH |  | SOLE | 0 | 0 | 0 | 8432 |
| FS KKR CAP CORP | COM | 302635206 |  | 229953 | 15527 | SH |  | SOLE | 0 | 0 | 0 | 15527 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 282675 | 1092 | SH |  | SOLE | 0 | 0 | 0 | 1092 |
| GE AEROSPACE | COM NEW | 369604301 |  | 4051859 | 13154 | SH |  | SOLE | 0 | 0 | 0 | 13154 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 268868 | 3278 | SH |  | SOLE | 0 | 0 | 0 | 3278 |
| GE VERNOVA INC | COM | 36828A101 |  | 698687 | 1069 | SH |  | SOLE | 0 | 0 | 0 | 1069 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 339017 | 1007 | SH |  | SOLE | 0 | 0 | 0 | 1007 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 398754 | 3249 | SH |  | SOLE | 0 | 0 | 0 | 3249 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 2292493 | 2608 | SH |  | SOLE | 0 | 0 | 0 | 2608 |
| HILTON WORLDWIDE HLDGS INC | COM | 43300A203 |  | 294059 | 1024 | SH |  | SOLE | 0 | 0 | 0 | 1024 |
| HOME DEPOT INC | COM | 437076102 |  | 3954633 | 11493 | SH |  | SOLE | 0 | 0 | 0 | 11493 |
| HONEYWELL INTL INC | COM | 438516106 |  | 222579 | 1141 | SH |  | SOLE | 0 | 0 | 0 | 1141 |
| IES HLDGS INC | COM | 44951W106 |  | 382796 | 984 | SH |  | SOLE | 0 | 0 | 0 | 984 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 211205 | 2666 | SH |  | SOLE | 0 | 0 | 0 | 2666 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45783Y251 |  | 339884 | 11694 | SH |  | SOLE | 0 | 0 | 0 | 11694 |
| INNOVATOR ETFS TRUST | US EQTY BUF DEC | 45782C557 |  | 372939 | 7525 | SH |  | SOLE | 0 | 0 | 0 | 7525 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C805 |  | 410051 | 12513 | SH |  | SOLE | 0 | 0 | 0 | 12513 |
| INNOVATOR ETFS TRUST | US EQT BUFR APR | 45782C888 |  | 281019 | 5857 | SH |  | SOLE | 0 | 0 | 0 | 5857 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C839 |  | 472556 | 12195 | SH |  | SOLE | 0 | 0 | 0 | 12195 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N106 |  | 390988 | 14600 | SH |  | SOLE | 0 | 0 | 0 | 14600 |
| INTEL CORP | COM | 458140100 |  | 241953 | 6557 | SH |  | SOLE | 0 | 0 | 0 | 6557 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1699205 | 5736 | SH |  | SOLE | 0 | 0 | 0 | 5736 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 817824 | 1444 | SH |  | SOLE | 0 | 0 | 0 | 1444 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 5414246 | 274278 | SH |  | SOLE | 0 | 0 | 0 | 274278 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 5674362 | 275454 | SH |  | SOLE | 0 | 0 | 0 | 275454 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 |  | 3989299 | 235774 | SH |  | SOLE | 0 | 0 | 0 | 235774 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 5355977 | 273613 | SH |  | SOLE | 0 | 0 | 0 | 273613 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 4211289 | 223588 | SH |  | SOLE | 0 | 0 | 0 | 223588 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 834284 | 1358 | SH |  | SOLE | 0 | 0 | 0 | 1358 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 488561 | 7584 | SH |  | SOLE | 0 | 0 | 0 | 7584 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 5654650 | 85677 | SH |  | SOLE | 0 | 0 | 0 | 85677 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 263457 | 2192 | SH |  | SOLE | 0 | 0 | 0 | 2192 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 723438 | 5113 | SH |  | SOLE | 0 | 0 | 0 | 5113 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 11106891 | 111202 | SH |  | SOLE | 0 | 0 | 0 | 111202 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 561257 | 11018 | SH |  | SOLE | 0 | 0 | 0 | 11018 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 21188098 | 418820 | SH |  | SOLE | 0 | 0 | 0 | 418820 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 550405 | 2660 | SH |  | SOLE | 0 | 0 | 0 | 2660 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 6710986 | 20827 | SH |  | SOLE | 0 | 0 | 0 | 20827 |
| KKR  CO INC | COM | 48251W104 |  | 334422 | 2623 | SH |  | SOLE | 0 | 0 | 0 | 2623 |
| KLA CORP | COM NEW | 482480100 |  | 530053 | 436 | SH |  | SOLE | 0 | 0 | 0 | 436 |
| KROGER CO | COM | 501044101 |  | 841613 | 13470 | SH |  | SOLE | 0 | 0 | 0 | 13470 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 236911 | 807 | SH |  | SOLE | 0 | 0 | 0 | 807 |
| LCNB CORP | COM | 50181P100 |  | 290664 | 17734 | SH |  | SOLE | 0 | 0 | 0 | 17734 |
| LINDE PLC | SHS | G54950103 |  | 1681724 | 3944 | SH |  | SOLE | 0 | 0 | 0 | 3944 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 256465 | 530 | SH |  | SOLE | 0 | 0 | 0 | 530 |
| LOWES COS INC | COM | 548661107 |  | 611159 | 2534 | SH |  | SOLE | 0 | 0 | 0 | 2534 |
| MARATHON PETE CORP | COM | 56585A102 |  | 517841 | 3184 | SH |  | SOLE | 0 | 0 | 0 | 3184 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 1215717 | 6553 | SH |  | SOLE | 0 | 0 | 0 | 6553 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1233296 | 2160 | SH |  | SOLE | 0 | 0 | 0 | 2160 |
| MCDONALDS CORP | COM | 580135101 |  | 1968625 | 6441 | SH |  | SOLE | 0 | 0 | 0 | 6441 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 204933 | 2133 | SH |  | SOLE | 0 | 0 | 0 | 2133 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 312210 | 155 | SH |  | SOLE | 0 | 0 | 0 | 155 |
| MERCK  CO INC | COM | 58933Y105 |  | 1334360 | 12677 | SH |  | SOLE | 0 | 0 | 0 | 12677 |
| META PLATFORMS INC | CL A | 30303M102 |  | 5557507 | 8419 | SH |  | SOLE | 0 | 0 | 0 | 8419 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 964892 | 3381 | SH |  | SOLE | 0 | 0 | 0 | 3381 |
| MICROSOFT CORP | COM | 594918104 |  | 12348741 | 25534 | SH |  | SOLE | 0 | 0 | 0 | 25534 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 347682 | 6459 | SH |  | SOLE | 0 | 0 | 0 | 6459 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 1054794 | 5941 | SH |  | SOLE | 0 | 0 | 0 | 5941 |
| NETFLIX INC | COM | 64110L106 |  | 1425715 | 15206 | SH |  | SOLE | 0 | 0 | 0 | 15206 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1846931 | 23006 | SH |  | SOLE | 0 | 0 | 0 | 23006 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 597387 | 1048 | SH |  | SOLE | 0 | 0 | 0 | 1048 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 413807 | 8133 | SH |  | SOLE | 0 | 0 | 0 | 8133 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 8272107 | 44354 | SH |  | SOLE | 0 | 0 | 0 | 44354 |
| ORACLE CORP | COM | 68389X105 |  | 695016 | 3566 | SH |  | SOLE | 0 | 0 | 0 | 3566 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 484369 | 2725 | SH |  | SOLE | 0 | 0 | 0 | 2725 |
| PEPSICO INC | COM | 713448108 |  | 540411 | 3765 | SH |  | SOLE | 0 | 0 | 0 | 3765 |
| PFIZER INC | COM | 717081103 |  | 251939 | 10118 | SH |  | SOLE | 0 | 0 | 0 | 10118 |
| PG CORP | COM | 69331C108 |  | 348520 | 21688 | SH |  | SOLE | 0 | 0 | 0 | 21688 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1680840 | 10479 | SH |  | SOLE | 0 | 0 | 0 | 10479 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 917585 | 4396 | SH |  | SOLE | 0 | 0 | 0 | 4396 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 16676184 | 116364 | SH |  | SOLE | 0 | 0 | 0 | 116364 |
| PROGRESSIVE CORP | COM | 743315103 |  | 900414 | 3954 | SH |  | SOLE | 0 | 0 | 0 | 3954 |
| QUALCOMM INC | COM | 747525103 |  | 465937 | 2724 | SH |  | SOLE | 0 | 0 | 0 | 2724 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 1231917 | 4417 | SH |  | SOLE | 0 | 0 | 0 | 4417 |
| RTX CORPORATION | COM | 75513E101 |  | 4579782 | 24972 | SH |  | SOLE | 0 | 0 | 0 | 24972 |
| S GLOBAL INC | COM | 78409V104 |  | 1478015 | 2828 | SH |  | SOLE | 0 | 0 | 0 | 2828 |
| SALESFORCE INC | COM | 79466L302 |  | 1092380 | 4124 | SH |  | SOLE | 0 | 0 | 0 | 4124 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 433740 | 4341 | SH |  | SOLE | 0 | 0 | 0 | 4341 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 885863 | 31105 | SH |  | SOLE | 0 | 0 | 0 | 31105 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2377629 | 90645 | SH |  | SOLE | 0 | 0 | 0 | 90645 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 21966631 | 673410 | SH |  | SOLE | 0 | 0 | 0 | 673410 |
| SCHWAB STRATEGIC TR | INTERNL DIVID | 808524672 |  | 406655 | 13637 | SH |  | SOLE | 0 | 0 | 0 | 13637 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 29129412 | 1061955 | SH |  | SOLE | 0 | 0 | 0 | 1061955 |
| SEMPRA | COM | 816851109 |  | 293308 | 3322 | SH |  | SOLE | 0 | 0 | 0 | 3322 |
| SERVICENOW INC | COM | 81762P102 |  | 252457 | 1648 | SH |  | SOLE | 0 | 0 | 0 | 1648 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 733855 | 2265 | SH |  | SOLE | 0 | 0 | 0 | 2265 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 1122605 | 6974 | SH |  | SOLE | 0 | 0 | 0 | 6974 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 366190 | 924 | SH |  | SOLE | 0 | 0 | 0 | 924 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1652675 | 2424 | SH |  | SOLE | 0 | 0 | 0 | 2424 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 828539 | 10328 | SH |  | SOLE | 0 | 0 | 0 | 10328 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 1380277 | 15105 | SH |  | SOLE | 0 | 0 | 0 | 15105 |
| STARBUCKS CORP | COM | 855244109 |  | 719707 | 8547 | SH |  | SOLE | 0 | 0 | 0 | 8547 |
| STRATEGY INC | CL A NEW | 594972408 |  | 266064 | 1751 | SH |  | SOLE | 0 | 0 | 0 | 1751 |
| STRYKER CORPORATION | COM | 863667101 |  | 200338 | 570 | SH |  | SOLE | 0 | 0 | 0 | 570 |
| T ROWE PRICE ETF INC | US HIGH YIELD | 87283Q875 |  | 9583074 | 183391 | SH |  | SOLE | 0 | 0 | 0 | 183391 |
| T ROWE PRICE ETF INC | SMALL MID CAP | 87283Q826 |  | 12420656 | 345979 | SH |  | SOLE | 0 | 0 | 0 | 345979 |
| T ROWE PRICE ETF INC | CAP APPRECIATION | 87283Q867 |  | 28354062 | 741865 | SH |  | SOLE | 0 | 0 | 0 | 741865 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 |  | 14803633 | 296904 | SH |  | SOLE | 0 | 0 | 0 | 296904 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1934564 | 6366 | SH |  | SOLE | 0 | 0 | 0 | 6366 |
| TC ENERGY CORP | COM | 87807B107 |  | 1015925 | 18468 | SH |  | SOLE | 0 | 0 | 0 | 18468 |
| TESLA INC | COM | 88160R101 |  | 2678083 | 5955 | SH |  | SOLE | 0 | 0 | 0 | 5955 |
| TEXAS INSTRS INC | COM | 882508104 |  | 424662 | 2448 | SH |  | SOLE | 0 | 0 | 0 | 2448 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 532541 | 919 | SH |  | SOLE | 0 | 0 | 0 | 919 |
| TJX COS INC NEW | COM | 872540109 |  | 1562403 | 10171 | SH |  | SOLE | 0 | 0 | 0 | 10171 |
| TRANSDIGM GROUP INC | COM | 893641100 |  | 921586 | 693 | SH |  | SOLE | 0 | 0 | 0 | 693 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 428425 | 8706 | SH |  | SOLE | 0 | 0 | 0 | 8706 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 1141489 | 13970 | SH |  | SOLE | 0 | 0 | 0 | 13970 |
| UNION PAC CORP | COM | 907818108 |  | 777196 | 3360 | SH |  | SOLE | 0 | 0 | 0 | 3360 |
| UNITED RENTALS INC | COM | 911363109 |  | 731291 | 904 | SH |  | SOLE | 0 | 0 | 0 | 904 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1015623 | 3077 | SH |  | SOLE | 0 | 0 | 0 | 3077 |
| US BANCORP DEL | COM NEW | 902973304 |  | 276466 | 5181 | SH |  | SOLE | 0 | 0 | 0 | 5181 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 11603722 | 156659 | SH |  | SOLE | 0 | 0 | 0 | 156659 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 342664 | 1022 | SH |  | SOLE | 0 | 0 | 0 | 1022 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 58079795 | 92612 | SH |  | SOLE | 0 | 0 | 0 | 92612 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 17544322 | 91860 | SH |  | SOLE | 0 | 0 | 0 | 91860 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1132179 | 22513 | SH |  | SOLE | 0 | 0 | 0 | 22513 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 11016503 | 183823 | SH |  | SOLE | 0 | 0 | 0 | 183823 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 9720845 | 44230 | SH |  | SOLE | 0 | 0 | 0 | 44230 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 38544350 | 510927 | SH |  | SOLE | 0 | 0 | 0 | 510927 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 617476 | 15160 | SH |  | SOLE | 0 | 0 | 0 | 15160 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 909440 | 2006 | SH |  | SOLE | 0 | 0 | 0 | 2006 |
| VICTORY PORTFOLIOS II | CORE INTERMEDIAT | 92647N527 |  | 8044725 | 169882 | SH |  | SOLE | 0 | 0 | 0 | 169882 |
| VISA INC | COM CL A | 92826C839 |  | 4325740 | 12334 | SH |  | SOLE | 0 | 0 | 0 | 12334 |
| WALMART INC | COM | 931142103 |  | 1683893 | 15114 | SH |  | SOLE | 0 | 0 | 0 | 15114 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 400193 | 4294 | SH |  | SOLE | 0 | 0 | 0 | 4294 |
| WELLTOWER INC | COM | 95040Q104 |  | 681052 | 3669 | SH |  | SOLE | 0 | 0 | 0 | 3669 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 513074 | 6010 | SH |  | SOLE | 0 | 0 | 0 | 6010 |

---