Ritter Daniher Financial Advisory LLC / DE 13FHR Quarterly holdings report by institutional manager | SEC 12 Aug 24

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	17,066	167	SH		SOLE		167	0	0
ABBOTT LABS	COM	002824100	21,302	205	SH		SOLE		205	0	0
ABBVIE INC	COM	00287Y109	130,013	758	SH		SOLE		300	0	458
ACADIA PHARMACEUTICALS INC	COM	004225108	1,024	63	SH		SOLE		63	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	37,623	124	SH		SOLE		124	0	0
ADOBE INC	COM	00724F101	76,665	138	SH		SOLE		0	0	138
ADVANCED MICRO DEVICES INC	COM	007903107	156,371	964	SH		SOLE		179	0	785
ALCOA CORP	COM	013872106	29,159	733	SH		SOLE		733	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	16,776	233	SH		SOLE		233	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,643,695	9,024	SH		SOLE		5,954	0	3,070
ALPHABET INC	CAP STK CL C	02079K107	800,262	4,363	SH		SOLE		3,966	0	397
AMAZON COM INC	COM	023135106	3,005,435	15,552	SH		SOLE		13,931	0	1,621
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	21,337,251	349,276	SH		SOLE		295,541	0	53,735
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	2,549,581	48,619	SH		SOLE		43,864	0	4,755
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	117,560	1,810	SH		SOLE		1,810	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	46,327	528	SH		SOLE		528	0	0
AMERICAN EXPRESS CO	COM	025816109	67,845	293	SH		SOLE		0	0	293
AMERICAN FINL GROUP INC OHIO	COM	025932104	23,541	191	SH		SOLE		191	0	0
AMERICAN WTR WKS CO INC NEW	COM	030420103	6,458	50	SH		SOLE		50	0	0
AMGEN INC	COM	031162100	24,133	77	SH		SOLE		77	0	0
AON PLC	SHS CL A	G0403H108	15,267	52	SH		SOLE		52	0	0
APPLE INC	COM	037833100	8,055,420	38,246	SH		SOLE		32,953	0	5,293
ARISTA NETWORKS INC	COM	040413106	42,058	120	SH		SOLE		120	0	0
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,198	51	SH		SOLE		51	0	0
ARK ETF TR	INNOVATION ETF	00214Q104	1,143	26	SH		SOLE		26	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	43,978	43	SH		SOLE		0	0	43
AT&T INC	COM	00206R102	9,498	497	SH		SOLE		497	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	51,558	216	SH		SOLE		216	0	0
AXON ENTERPRISE INC	COM	05464C101	38,252	130	SH		SOLE		130	0	0
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	1,450	1,000	SH		SOLE		0	0	1,000
BANK AMERICA CORP	COM	060505104	195,033	4,904	SH		SOLE		2,894	0	2,010
BLACKROCK MUN TARGET TERM TR	COM SHS BEN IN	09257P105	52,739	2,539	SH		SOLE		2,539	0	0
BLACKSTONE INC	COM	09260D107	132,721	1,072	SH		SOLE		1,072	0	0
BOOZ ALLEN HAMILTON HLDG COR	CL A	099502106	10,004	65	SH		SOLE		65	0	0
BOSTON BEER INC	CL A	100557107	2,441	8	SH		SOLE		8	0	0
BP PLC	SPONSORED ADR	055622104	7,220	200	SH		SOLE		200	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	249,738	6,013	SH		SOLE		4,593	0	1,420
BROADCOM INC	COM	11135F101	425,466	265	SH		SOLE		171	0	94
CADENCE DESIGN SYSTEM INC	COM	127387108	30,775	100	SH		SOLE		100	0	0
CANADIAN IMPERIAL BK COMM TO	COM	136069101	9,508	200	SH		SOLE		200	0	0
CANADIAN NATL RY CO	COM	136375102	70,878	600	SH		SOLE		600	0	0
CARNIVAL CORP	UNIT 99/99/9999	143658300	5,167	276	SH		SOLE		276	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	12,616	200	SH		SOLE		200	0	0
CAVA GROUP INC	COM	148929102	139,125	1,500	SH		SOLE		0	0	1,500
CHEMOURS CO	COM	163851108	7,336	325	SH		SOLE		325	0	0
CHENIERE ENERGY INC	COM NEW	16411R208	51,401	294	SH		SOLE		0	0	294
CHEVRON CORP NEW	COM	166764100	507,896	3,247	SH		SOLE		2,584	0	663
CHEWY INC	CL A	16679L109	1,362	50	SH		SOLE		50	0	0
CINCINNATI FINL CORP	COM	172062101	50,783	430	SH		SOLE		430	0	0
CINTAS CORP	COM	172908105	3,107,754	4,438	SH		SOLE		4,438	0	0
CISCO SYS INC	COM	17275R102	17,389	366	SH		SOLE		366	0	0
CLOROX CO DEL	COM	189054109	13,647	100	SH		SOLE		100	0	0
COCA COLA CO	COM	191216100	309,085	4,856	SH		SOLE		3,056	0	1,800
COMERICA INC	COM	200340107	56,757	1,112	SH		SOLE		1,112	0	0
CONCENTRIX CORP	COM	20602D101	760	12	SH		SOLE		12	0	0
CONOCOPHILLIPS	COM	20825C104	74,347	650	SH		SOLE		650	0	0
CONSOLIDATED EDISON INC	COM	209115104	22,355	250	SH		SOLE		250	0	0
COPART INC	COM	217204106	21,231	392	SH		SOLE		392	0	0
CORTEVA INC	COM	22052L104	39,323	729	SH		SOLE		729	0	0
COSTCO WHSL CORP NEW	COM	22160K105	1,282,042	1,508	SH		SOLE		1,323	0	185
CROWDSTRIKE HLDGS INC	CL A	22788C105	61,311	160	SH		SOLE		160	0	0
CSX CORP	COM	126408103	145,508	4,350	SH		SOLE		4,350	0	0
CUMMINS INC	COM	231021106	8,308	30	SH		SOLE		30	0	0
CVS HEALTH CORP	COM	126650100	5	0	SH		SOLE		0	0	0
DANAHER CORPORATION	COM	235851102	500	2	SH		SOLE		2	0	0
DECKERS OUTDOOR CORP	COM	243537107	78,404	81	SH		SOLE		51	0	30
DEERE & CO	COM	244199105	52,682	141	SH		SOLE		15	0	126
DELTA AIR LINES INC DEL	COM NEW	247361702	7,663	162	SH		SOLE		162	0	0
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	68,054	1,312	SH		SOLE		1,312	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	62,915	2,475	SH		SOLE		2,475	0	0
DISNEY WALT CO	COM	254687106	44,321	446	SH		SOLE		442	0	4
DOMINION ENERGY INC	COM	25746U109	3,038	62	SH		SOLE		62	0	0
DOW INC	COM	260557103	38,568	727	SH		SOLE		727	0	0
DRAFTKINGS INC NEW	COM CL A	26142V105	52,293	1,370	SH		SOLE		0	0	1,370
DT MIDSTREAM INC	COMMON STOCK	23345M107	2,416	34	SH		SOLE		0	0	34
DTE ENERGY CO	COM	233331107	7,745	70	SH		SOLE		0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	267,552	2,669	SH		SOLE		1,777	0	892
DUPONT DE NEMOURS INC	COM	26614N102	58,758	730	SH		SOLE		730	0	0
DXC TECHNOLOGY CO	COM	23355L106	3,093	162	SH		SOLE		162	0	0
ELEVANCE HEALTH INC	COM	036752103	499,595	922	SH		SOLE		922	0	0
ELI LILLY & CO	COM	532457108	1,017,656	1,124	SH		SOLE		612	0	512
ENBRIDGE INC	COM	29250N105	44,452	1,249	SH		SOLE		467	0	782
ENTERGY CORP NEW	COM	29364G103	5,885	55	SH		SOLE		55	0	0
EVERGY INC	COM	30034W106	6,304	119	SH		SOLE		119	0	0
EXXON MOBIL CORP	COM	30231G102	774,413	6,727	SH		SOLE		6,202	0	525
FIFTH THIRD BANCORP	COM	316773100	435,034	11,922	SH		SOLE		9,978	0	1,944
FIRST BANCSHARES INC MS	COM	318916103	5,248	202	SH		SOLE		202	0	0
FORD MTR CO DEL	COM	345370860	4,003	319	SH		SOLE		319	0	0
GAMESTOP CORP NEW	CL A	36467W109	297	12	SH		SOLE		12	0	0
GARTNER INC	COM	366651107	105,081	234	SH		SOLE		0	0	234
GE AEROSPACE	COM NEW	369604301	45,833	288	SH		SOLE		236	0	52
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	6,314	81	SH		SOLE		65	0	16
GE VERNOVA INC	COM	36828A101	10,291	60	SH		SOLE		48	0	12
GENUINE PARTS CO	COM	372460105	15,077	109	SH		SOLE		109	0	0
GLADSTONE LD CORP	COM	376549101	14,567	1,064	SH		SOLE		1,064	0	0
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	3,001	177	SH		SOLE		0	0	177
GLOBAL X FDS	FINTECH ETF	37954Y814	5,787	230	SH		SOLE		230	0	0
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	825	79	SH		SOLE		79	0	0
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	2,201	76	SH		SOLE		0	0	76
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	125,628	3,237	SH		SOLE		3,075	0	162
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	10,557	1,061	SH		SOLE		915	0	146
GLOBAL X FDS	SOLAR ETF	37960A701	5,578	581	SH		SOLE		581	0	0
GLOBAL X FDS	THMATC GWT ETF	37954Y418	1,236	55	SH		SOLE		55	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	40,139	1,896	SH		SOLE		1,896	0	0
HOME DEPOT INC	COM	437076102	237,526	690	SH		SOLE		527	0	163
HONEYWELL INTL INC	COM	438516106	10,677	50	SH		SOLE		50	0	0
HORMEL FOODS CORP	COM	440452100	9,147	300	SH		SOLE		300	0	0
HP INC	COM	40434L105	66,398	1,896	SH		SOLE		1,896	0	0
HUMANA INC	COM	444859102	33,629	90	SH		SOLE		90	0	0
HUNTINGTON BANCSHARES INC	COM	446150104	68,695	5,212	SH		SOLE		5,212	0	0
ILLINOIS TOOL WKS INC	COM	452308109	53,790	227	SH		SOLE		227	0	0
INOTIV INC	COM	45783Q100	830	500	SH		SOLE		500	0	0
INTEL CORP	COM	458140100	113,877	3,677	SH		SOLE		1,377	0	2,300
INTERNATIONAL BUSINESS MACHS	COM	459200101	169,527	980	SH		SOLE		980	0	0
INTUIT	COM	461202103	1,315	2	SH		SOLE		0	0	2
INTUITIVE SURGICAL INC	COM NEW	46120E602	201,518	453	SH		SOLE		78	0	375
INVENTRUST PPTYS CORP	COM NEW	46124J201	12,826	518	SH		SOLE		518	0	0
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,646	200	SH		SOLE		0	0	200
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	6,262	165	SH		SOLE		165	0	0
INVESCO EXCHANGE TRADED FD T	PHARMACEUTICALS	46137V662	20,552	250	SH		SOLE		250	0	0
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	286,319	4,411	SH		SOLE		4,411	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	39,767	83	SH		SOLE		58	0	25
ISHARES INC	CORE MSCI EMKT	46434G103	108	2	SH		SOLE		2	0	0
ISHARES INC	MSCI AUST ETF	464286103	7,329	300	SH		SOLE		0	0	300
ISHARES TR	1 3 YR TREAS BD	464287457	89,652	1,098	SH		SOLE		0	0	1,098
ISHARES TR	CORE DIV GRWTH	46434V621	30,562,436	530,506	SH		SOLE		439,964	0	90,542
ISHARES TR	CORE MSCI EAFE	46432F842	26,829,141	369,344	SH		SOLE		313,298	0	56,046
ISHARES TR	CORE S&P MCP ETF	464287507	26,104,063	446,071	SH		SOLE		372,190	0	73,881
ISHARES TR	CORE S&P SCP ETF	464287804	18,762,388	175,908	SH		SOLE		147,274	0	28,634
ISHARES TR	CORE S&P TTL STK	464287150	297,628	2,506	SH		SOLE		1,385	0	1,121
ISHARES TR	CORE S&P500 ETF	464287200	71,036,845	129,812	SH		SOLE		112,193	0	17,619
ISHARES TR	CORE US AGGBD ET	464287226	125,221	1,290	SH		SOLE		1,290	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	892,363	8,723	SH		SOLE		5,693	0	3,030
ISHARES TR	EAFE VALUE ETF	464288877	348,314	6,567	SH		SOLE		4,692	0	1,875
ISHARES TR	EXPANDED TECH	464287515	9,559	110	SH		SOLE		110	0	0
ISHARES TR	EXPONENTIAL TECH	46434V381	7,354	125	SH		SOLE		125	0	0
ISHARES TR	ISHARES SEMICDTR	464287523	4,440	18	SH		SOLE		18	0	0
ISHARES TR	MRGSTR SM CP GR	464288604	150,676	3,313	SH		SOLE		1,960	0	1,353
ISHARES TR	MSCI ACWI ETF	464288257	134,318	1,195	SH		SOLE		1,195	0	0
ISHARES TR	MSCI EAFE ETF	464287465	883,171	11,275	SH		SOLE		9,472	0	1,803
ISHARES TR	MSCI EMG MKT ETF	464287234	147,788	3,470	SH		SOLE		2,400	0	1,070
ISHARES TR	MSCI KLD400 SOC	464288570	311,550	3,000	SH		SOLE		3,000	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	15,449	184	SH		SOLE		184	0	0
ISHARES TR	RUS 1000 ETF	464287622	62,781	211	SH		SOLE		211	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	195,013	535	SH		SOLE		535	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	321,374	1,842	SH		SOLE		1,842	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,468,318	13,306	SH		SOLE		10,346	0	2,960
ISHARES TR	RUS MDCP VAL ETF	464287473	240,032	1,988	SH		SOLE		1,988	0	0
ISHARES TR	RUS MID CAP ETF	464287499	1,089,067	13,432	SH		SOLE		13,242	0	190
ISHARES TR	RUSSELL 2000 ETF	464287655	658,379	3,245	SH		SOLE		3,106	0	139
ISHARES TR	RUSSELL 3000 ETF	464287689	134,272	435	SH		SOLE		435	0	0
ISHARES TR	S&P 100 ETF	464287101	230,206	871	SH		SOLE		871	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,106,964	11,962	SH		SOLE		6,918	0	5,044
ISHARES TR	S&P 500 VAL ETF	464287408	566,416	3,112	SH		SOLE		685	0	2,427
ISHARES TR	S&P MC 400GR ETF	464287606	1,655,147	18,785	SH		SOLE		16,016	0	2,769
ISHARES TR	S&P MC 400VL ETF	464287705	1,489,276	13,126	SH		SOLE		9,643	0	3,483
ISHARES TR	S&P SML 600 GWT	464287887	1,301,639	10,135	SH		SOLE		6,819	0	3,316
ISHARES TR	SELECT DIVID ETF	464287168	400,565	3,311	SH		SOLE		3,311	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	924,065	9,500	SH		SOLE		7,375	0	2,125
ISHARES TR	TIPS BD ETF	464287176	21,356	200	SH		SOLE		200	0	0
ISHARES TR	US AER DEF ETF	464288760	13,205	100	SH		SOLE		100	0	0
ISHARES TR	US CONSUM DISCRE	464287580	15,444	190	SH		SOLE		190	0	0
ISHARES TR	US HLTHCARE ETF	464287762	24,508	400	SH		SOLE		400	0	0
ISHARES TR	US TELECOM ETF	464287713	370	17	SH		SOLE		17	0	0
J P MORGAN EXCHANGE TRADED F	ACTIVE VALUE ETF	46641Q167	12,597,669	212,583	SH		SOLE		182,248	0	30,335
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	8,618,118	152,049	SH		SOLE		130,585	0	21,464
J P MORGAN EXCHANGE TRADED F	U S TECH LEADERS	46654Q732	5,540	80	SH		SOLE		5	0	75
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	940,559	18,535	SH		SOLE		5,109	0	13,426
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	231,113	4,199	SH		SOLE		4,199	0	0
JOHNSON & JOHNSON	COM	478160104	101,143	692	SH		SOLE		692	0	0
JPMORGAN CHASE & CO.	COM	46625H100	3,978,756	19,671	SH		SOLE		16,860	0	2,811
KEURIG DR PEPPER INC	COM	49271V100	6,680	200	SH		SOLE		200	0	0
KROGER CO	COM	501044101	321,100	6,431	SH		SOLE		6,431	0	0
LAM RESEARCH CORP	COM	512807108	10,649	10	SH		SOLE		10	0	0
LAMB WESTON HLDGS INC	COM	513272104	3,448	41	SH		SOLE		41	0	0
LCNB CORP	COM	50181P100	7,808,504	561,359	SH		SOLE		318,128	0	243,231
LEIDOS HOLDINGS INC	COM	525327102	69,439	476	SH		SOLE		476	0	0
LINCOLN ELEC HLDGS INC	COM	533900106	547,056	2,900	SH		SOLE		0	0	2,900
LOWES COS INC	COM	548661107	49,163	223	SH		SOLE		223	0	0
LULULEMON ATHLETICA INC	COM	550021109	131,130	439	SH		SOLE		439	0	0
MARATHON OIL CORP	COM	565849106	2,810	98	SH		SOLE		98	0	0
MARATHON PETE CORP	COM	56585A102	868	5	SH		SOLE		5	0	0
MARSH & MCLENNAN COS INC	COM	571748102	9,483	45	SH		SOLE		45	0	0
MARVELL TECHNOLOGY INC	COM	573874104	4,102	59	SH		SOLE		59	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	98,820	224	SH		SOLE		15	0	209
MATTEL INC	COM	577081102	3,204	197	SH		SOLE		197	0	0
MCDONALDS CORP	COM	580135101	55,046	216	SH		SOLE		216	0	0
MCKESSON CORP	COM	58155Q103	92,863	159	SH		SOLE		0	0	159
MEDTRONIC PLC	SHS	G5960L103	12,043	153	SH		SOLE		153	0	0
MERCK & CO INC	COM	58933Y105	59,053	477	SH		SOLE		477	0	0
META PLATFORMS INC	CL A	30303M102	236,984	470	SH		SOLE		170	0	300
MICRON TECHNOLOGY INC	COM	595112103	6,577	50	SH		SOLE		50	0	0
MICROSOFT CORP	COM	594918104	3,012,712	6,741	SH		SOLE		5,463	0	1,278
MODERNA INC	COM	60770K107	3	0	SH		SOLE		0	0	0
MONDELEZ INTL INC	CL A	609207105	24,671	377	SH		SOLE		377	0	0
MORGAN STANLEY	COM NEW	617446448	12,149	125	SH		SOLE		125	0	0
NET LEASE OFFICE PROPERTIES	COM	64110Y108	444	18	SH		SOLE		18	0	0
NETFLIX INC	COM	64110L106	120,814	179	SH		SOLE		103	0	76
NEXTERA ENERGY INC	COM	65339F101	882,511	12,463	SH		SOLE		7,243	0	5,220
NIKE INC	CL B	654106103	19,823	263	SH		SOLE		263	0	0
NORFOLK SOUTHN CORP	COM	655844108	257,628	1,200	SH		SOLE		550	0	650
NOVO-NORDISK A S	ADR	670100205	49,959	350	SH		SOLE		0	0	350
NU HLDGS LTD	ORD SHS CL A	G6683N103	6,445	500	SH		SOLE		0	0	500
NUCOR CORP	COM	670346105	63,232	400	SH		SOLE		400	0	0
NVIDIA CORPORATION	COM	67066G104	907,422	7,345	SH		SOLE		7,320	0	25
OLD REP INTL CORP	COM	680223104	23,175	750	SH		SOLE		0	0	750
ON SEMICONDUCTOR CORP	COM	682189105	53,469	780	SH		SOLE		0	0	780
ORACLE CORP	COM	68389X105	33,182	235	SH		SOLE		226	0	9
OREILLY AUTOMOTIVE INC	COM	67103H107	90,822	86	SH		SOLE		0	0	86
ORGANON & CO	COMMON STOCK	68622V106	103,500	5,000	SH		SOLE		0	0	5,000
PALANTIR TECHNOLOGIES INC	CL A	69608A108	20,264	800	SH		SOLE		800	0	0
PAYPAL HLDGS INC	COM	70450Y103	581	10	SH		SOLE		10	0	0
PEPSICO INC	COM	713448108	340,416	2,064	SH		SOLE		2,064	0	0
PFIZER INC	COM	717081103	434,222	15,519	SH		SOLE		13,156	0	2,363
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	7,088	75	SH		SOLE		22	0	53
PNC FINL SVCS GROUP INC	COM	693475105	117,699	757	SH		SOLE		757	0	0
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	9,179	117	SH		SOLE		0	0	117
PROCTER AND GAMBLE CO	COM	742718109	11,511,596	69,801	SH		SOLE		58,404	0	11,397
PROLOGIS INC.	COM	74340W103	8,311	74	SH		SOLE		74	0	0
PRUDENTIAL FINL INC	COM	744320102	48,283	412	SH		SOLE		412	0	0
QUANTA SVCS INC	COM	74762E102	204,035	803	SH		SOLE		69	0	734
REGENERON PHARMACEUTICALS	COM	75886F107	40,991	39	SH		SOLE		0	0	39
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	2,684	200	SH		SOLE		200	0	0
ROYAL BK CDA	COM	780087102	10,638	100	SH		SOLE		0	0	100
ROYAL CARIBBEAN GROUP	COM	V7780T103	441,940	2,772	SH		SOLE		2,772	0	0
RTX CORPORATION	COM	75513E101	194,155	1,934	SH		SOLE		200	0	1,734
SALESFORCE INC	COM	79466L302	2,571	10	SH		SOLE		0	0	10
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	9,270	349	SH		SOLE		349	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	152,528	3,970	SH		SOLE		2,335	0	1,635
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	126	2	SH		SOLE		2	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	25,272	325	SH		SOLE		325	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	31,563	313	SH		SOLE		313	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	57,487	776	SH		SOLE		776	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	950,965	14,801	SH		SOLE		8,763	0	6,038
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	135,036	1,735	SH		SOLE		431	0	1,304
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	80,049	1,687	SH		SOLE		1,417	0	270
SELECT SECTOR SPDR TR	ENERGY	81369Y506	111,116	1,219	SH		SOLE		1,219	0	0
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	4,763	124	SH		SOLE		124	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	15,887	109	SH		SOLE		109	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	12,266	180	SH		SOLE		180	0	0
SEMPRA	COM	816851109	38,030	500	SH		SOLE		500	0	0
SERVICENOW INC	COM	81762P102	33,827	43	SH		SOLE		43	0	0
SMUCKER J M CO	COM NEW	832696405	39,800	365	SH		SOLE		365	0	0
SOLVENTUM CORP	COM SHS	83444M101	2,169	41	SH		SOLE		41	0	0
SOUTHERN CO	COM	842587107	27,150	350	SH		SOLE		350	0	0
SPDR GOLD TR	GOLD SHS	78463V107	492,158	2,289	SH		SOLE		1,863	0	426
SPDR S&P 500 ETF TR	TR UNIT	78462F103	601,908	1,106	SH		SOLE		1,101	0	5
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	549	12	SH		SOLE		12	0	0
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	47,190	1,000	SH		SOLE		1,000	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	4,961	39	SH		SOLE		39	0	0
STARBUCKS CORP	COM	855244109	52,238	671	SH		SOLE		671	0	0
SUPER MICRO COMPUTER INC	COM	86800U104	34,413	42	SH		SOLE		42	0	0
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	7,145,326	192,137	SH		SOLE		169,654	0	22,483
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	192,061	1,105	SH		SOLE		655	0	450
TARGET CORP	COM	87612E106	33,309	225	SH		SOLE		225	0	0
TD SYNNEX CORPORATION	COM	87162W100	1,385	12	SH		SOLE		12	0	0
TESLA INC	COM	88160R101	588,891	2,976	SH		SOLE		2,756	0	220
TEXAS ROADHOUSE INC	COM	882681109	4,720	27	SH		SOLE		27	0	0
THE CIGNA GROUP	COM	125523100	18,182	55	SH		SOLE		55	0	0
THE TRADE DESK INC	COM CL A	88339J105	159,789	1,636	SH		SOLE		283	0	1,353
THERMO FISHER SCIENTIFIC INC	COM	883556102	61,383	111	SH		SOLE		0	0	111
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	1,530	100	SH		SOLE		100	0	0
TRACTOR SUPPLY CO	COM	892356106	44,280	164	SH		SOLE		0	0	164
UBER TECHNOLOGIES INC	COM	90353T100	163,821	2,254	SH		SOLE		560	0	1,694
UNION PAC CORP	COM	907818108	18,328	81	SH		SOLE		81	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	13,685	100	SH		SOLE		100	0	0
UNITED RENTALS INC	COM	911363109	80,842	125	SH		SOLE		0	0	125
UNITEDHEALTH GROUP INC	COM	91324P102	378,389	743	SH		SOLE		603	0	140
US BANCORP DEL	COM NEW	902973304	163,564	4,120	SH		SOLE		4,120	0	0
VANECK MERK GOLD TR	GOLD TRUST	921078101	306,243	13,635	SH		SOLE		0	0	13,635
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	44,912	410	SH		SOLE		0	0	410
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,105,552	11,150	SH		SOLE		9,154	0	1,996
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	816,715	8,316	SH		SOLE		6,490	0	1,826
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	126,939	1,695	SH		SOLE		1,695	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	117,351	1,530	SH		SOLE		1,530	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	3,963	55	SH		SOLE		55	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	76,299	204	SH		SOLE		204	0	0
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	91,611	367	SH		SOLE		367	0	0
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	63,129	275	SH		SOLE		75	0	200
VANGUARD INDEX FDS	MID CAP ETF	922908629	42,368	175	SH		SOLE		175	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	953,748	1,907	SH		SOLE		1,878	0	29
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	8,944	49	SH		SOLE		49	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	418,654	1,565	SH		SOLE		1,562	0	3
VANGUARD INDEX FDS	VALUE ETF	922908744	39,943	249	SH		SOLE		249	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	17,592	300	SH		SOLE		300	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,007	23	SH		SOLE		23	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	8,930	76	SH		SOLE		76	0	0
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	165,036	3,400	SH		SOLE		3,400	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	420,924	8,400	SH		SOLE		8,400	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	899,607	4,928	SH		SOLE		2,479	0	2,449
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	693,363	14,030	SH		SOLE		13,688	0	342
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	245,172	2,450	SH		SOLE		2,450	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	68,314	576	SH		SOLE		576	0	0
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	20,077	247	SH		SOLE		0	0	247
VERIZON COMMUNICATIONS INC	COM	92343V104	10,226	248	SH		SOLE		248	0	0
VERTEX PHARMACEUTICALS INC	COM	92532F100	152,803	326	SH		SOLE		138	0	188
VIATRIS INC	COM	92556V106	723	68	SH		SOLE		68	0	0
VISA INC	COM CL A	92826C839	69,293	264	SH		SOLE		264	0	0
WABTEC	COM	929740108	475	3	SH		SOLE		3	0	0
WALMART INC	COM	931142103	99,331	1,467	SH		SOLE		1,467	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	893	120	SH		SOLE		120	0	0
WASTE MGMT INC DEL	COM	94106L109	12,801	60	SH		SOLE		60	0	0
WELLS FARGO CO NEW	COM	949746101	9,503	160	SH		SOLE		160	0	0
WESTERN DIGITAL CORP.	COM	958102105	37,885	500	SH		SOLE		500	0	0
WORTHINGTON ENTERPRISES INC	COM	981811102	50,682	1,071	SH		SOLE		1,071	0	0
WORTHINGTON STL INC	COM SHS	982104101	38,364	1,150	SH		SOLE		1,150	0	0
WP CAREY INC	COM	92936U109	29,893	543	SH		SOLE		543	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	24,311	224	SH		SOLE		224	0	0
ZIMVIE INC	COM	98888T107	402	22	SH		SOLE		22	0	0

Ritter Daniher Financial Advisory LLC / DE 13F-HRQuarterly holdings report by institutional manager