# EDGAR Filing Document

**Accession Number:** 0001585045
**File Stem:** 0001585045-23-000001
**Filing Date:** 2023-1
**Character Count:** 7892
**Document Hash:** b1a546a2459f480bee865f74b906e861
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001585045-23-000001.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001585045-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230124

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Tillar-Wenstrup Advisors, LLC
- **CENTRAL INDEX KEY:** 0001585045
- **IRS NUMBER:** 311802388
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15759
- **FILM NUMBER:** 23545895

**BUSINESS ADDRESS:**
- **STREET 1:** 1065 E. CENTERVILLE STATION ROAD
- **CITY:** CENTERVILLE
- **STATE:** OH
- **ZIP:** 45459
- **BUSINESS PHONE:** 937-428-9700

**MAIL ADDRESS:**
- **STREET 1:** 1065 E. CENTERVILLE STATION ROAD
- **CITY:** CENTERVILLE
- **STATE:** OH
- **ZIP:** 45459

### 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:** Tillar-Wenstrup Advisors LLC<br>**Address:** 1065 E. CENTERVILLE STATION ROAD<br>CENTERVILLE, OH 45459

**Form 13F File Number:** 028-15759

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:** James G Tillar<br>**Title:** Principal<br>**Phone:** 937-428-9700

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

James G Tillar  Centerville, OH  01-24-2023<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:** 44

**Form 13F Information Table Value Total:** $207026

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |
| iBonds Dec 2023 Corp | COM | 46434VAX8 |  | 9504 | 379705 | SH |  | SOLE |  | 23745 | 0 | 355960 |
| SPDR Floating Rate | COM | 78468R200 |  | 11079 | 364568 | SH |  | SOLE |  | 22753 | 0 | 341815 |
| iBonds Dec 2024 Corp | COM | 46434VBG4 |  | 7205 | 295053 | SH |  | SOLE |  | 19468 | 0 | 275585 |
| iShares MSCI USA Min Vol | COM | 46429B697 |  | 19804 | 274670 | SH |  | SOLE |  | 46649 | 0 | 228021 |
| iShares Treasury Floating Rate | COM | 46434V860 |  | 12946 | 256808 | SH |  | SOLE |  | 14891 | 0 | 241917 |
| iShares Core Dividend Growth | COM | 46434V621 |  | 11493 | 229858 | SH |  | SOLE |  | 36079 | 0 | 193779 |
| iShares Floating Rate Bond | COM | 46429B655 |  | 11225 | 223025 | SH |  | SOLE |  | 13820 | 0 | 209205 |
| SPDR Portfolio Total Stock Market | COM | 78464A805 |  | 8878 | 187744 | SH |  | SOLE |  | 30560 | 0 | 157184 |
| iShares MSCI USA Quality | COM | 46432F339 |  | 18862 | 165511 | SH |  | SOLE |  | 24449 | 0 | 141062 |
| iShares MSCI USA Momentum | COM | 46432F396 |  | 14390 | 98611 | SH |  | SOLE |  | 14069 | 0 | 84542 |
| iBonds Dec 2023 Treasury | COM | 46436E882 |  | 2315 | 93720 | SH |  | SOLE |  | 0 | 0 | 93720 |
| Vanguard FTSE Developed Markets | COM | 921943858 |  | 3530 | 84117 | SH |  | SOLE |  | 7060 | 0 | 77057 |
| Vanguard Value | COM | 922908744 |  | 11395 | 81177 | SH |  | SOLE |  | 12437 | 0 | 68740 |
| Invesco FTSE RAFI US 1000 | COM | 46137V613 |  | 12464 | 80333 | SH |  | SOLE |  | 12669 | 0 | 67664 |
| Vanguard FTSE All-World ex-US | COM | 922042775 |  | 3996 | 79688 | SH |  | SOLE |  | 7790 | 0 | 71898 |
| iBonds Dec 2024 Treasury | COM | 46436E874 |  | 1288 | 54010 | SH |  | SOLE |  | 0 | 0 | 54010 |
| Vanguard Mid-Cap Value | COM | 922908512 |  | 4884 | 36111 | SH |  | SOLE |  | 3199 | 0 | 32912 |
| Vanguard Small Cap Value | COM | 922908611 |  | 5350 | 33692 | SH |  | SOLE |  | 2833 | 0 | 30859 |
| Vanguard U.S. Value Factor | COM | 921935805 |  | 3304 | 33483 | SH |  | SOLE |  | 5101 | 0 | 28382 |
| iBonds Dec 2023 Muni | COM | 46435G318 |  | 678 | 26751 | SH |  | SOLE |  | 0 | 0 | 26751 |
| Cincinnati Financial | COM | 172062101 |  | 2635 | 25731 | SH |  | SOLE |  | 0 | 0 | 25731 |
| Vanguard Mid-Cap | COM | 922908629 |  | 5006 | 24562 | SH |  | SOLE |  | 2109 | 0 | 22453 |
| iBonds Dec 2024 Muni | COM | 46435U697 |  | 534 | 20741 | SH |  | SOLE |  | 0 | 0 | 20741 |
| Vanguard Small-Cap ETF | COM | 922908751 |  | 3725 | 20293 | SH |  | SOLE |  | 1737 | 0 | 18556 |
| CSX Corporation | COM | 126408103 |  | 523 | 16890 | SH |  | SOLE |  | 0 | 0 | 16890 |
| SPDR SSGA US Low Vol | COM | 78468R804 |  | 2182 | 16087 | SH |  | SOLE |  | 1100 | 0 | 14987 |
| Vanguard U.S. Momentum | COM | 921935508 |  | 1516 | 13293 | SH |  | SOLE |  | 696 | 0 | 12597 |
| Apple Inc. | COM | 037833100 |  | 1667 | 12828 | SH |  | SOLE |  | 3010 | 0 | 9818 |
| Bandwidth Inc. | COM | 05988J103 |  | 292 | 12711 | SH |  | SOLE |  | 0 | 0 | 12711 |
| iShares S Mid-Cap | COM | 464287507 |  | 2853 | 11793 | SH |  | SOLE |  | 784 | 0 | 11009 |
| Vanguard Growth | COM | 922908736 |  | 2064 | 9684 | SH |  | SOLE |  | 2849 | 0 | 6835 |
| iShares ESG MSCI EAFE | COM | 46435G516 |  | 633 | 9631 | SH |  | SOLE |  | 219 | 0 | 9412 |
| Alphabet Inc Cl C | COM | 02079K107 |  | 813 | 9159 | SH |  | SOLE |  | 1780 | 0 | 7379 |
| Schwab US Dividend Equity | COM | 808524797 |  | 583 | 7717 | SH |  | SOLE |  | 565 | 0 | 7152 |
| Microsoft | COM | 594918104 |  | 1399 | 5835 | SH |  | SOLE |  | 657 | 0 | 5178 |
| Amazon.com | COM | 023135106 |  | 432 | 5146 | SH |  | SOLE |  | 1120 | 0 | 4026 |
| Berkshire Hathaway Cl B | COM | 084670702 |  | 1548 | 5011 | SH |  | SOLE |  | 696 | 0 | 4315 |
| Procter  Gamble | COM | 742718109 |  | 731 | 4820 | SH |  | SOLE |  | 1170 | 0 | 3650 |
| Pepsico | COM | 713448108 |  | 583 | 3226 | SH |  | SOLE |  | 0 | 0 | 3226 |
| Union Pacific | COM | 907818108 |  | 651 | 3142 | SH |  | SOLE |  | 0 | 0 | 3142 |
| Nike Inc. | COM | 654106103 |  | 362 | 3093 | SH |  | SOLE |  | 0 | 0 | 3093 |
| Blackrock Inc. | COM | 09247X101 |  | 1009 | 1424 | SH |  | SOLE |  | 243 | 0 | 1181 |
| McDonalds | COM | 580135101 |  | 317 | 1203 | SH |  | SOLE |  | 0 | 0 | 1203 |
| Costco Wholesale | COM | 22160K105 |  | 378 | 828 | SH |  | SOLE |  | 0 | 0 | 828 |

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