Ritter Daniher Financial Advisory LLC / DE 13FHR Quarterly holdings report by institutional manager | SEC 10 Feb 23

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	20,986	175	SH		SOLE		175	0	0
ABBOTT LABS	COM	002824100	3,294	30	SH		SOLE		30	0	0
ABBVIE INC	COM	00287Y109	114,420	708	SH		SOLE		250	0	458
ACADIA PHARMACEUTICALS INC	COM	004225108	1,003	63	SH		SOLE		63	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	67,244	252	SH		SOLE		248	0	4
ACTIVISION BLIZZARD INC	COM	00507V109	7,655	100	SH		SOLE		100	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	85,815	255	SH		SOLE		0	0	255
ADVANCED MICRO DEVICES INC	COM	007903107	1,943	30	SH		SOLE		0	0	30
AIRBNB INC	COM CL A	009066101	428	5	SH		SOLE		0	0	5
ALCOA CORP	COM	013872106	33,330	733	SH		SOLE		733	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	20,525	233	SH		SOLE		233	0	0
ALPHABET INC	CAP STK CL A	02079K305	743,779	8,430	SH		SOLE		5,100	0	3,330
ALPHABET INC	CAP STK CL C	02079K107	504,874	5,690	SH		SOLE		5,286	0	404
ALTRIA GROUP INC	COM	02209S103	22,855	500	SH		SOLE		500	0	0
AMAZON COM INC	COM	023135106	1,323,929	15,761	SH		SOLE		13,768	0	1,993
AMC ENTMT HLDGS INC	CL A COM	00165C104	163	40	SH		SOLE		0	0	40
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	13,371,924	265,053	SH		SOLE		231,023	0	34,030
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	944,152	20,930	SH		SOLE		20,930	0	0
AMERICAN EXPRESS CO	COM	025816109	54,668	370	SH		SOLE		0	0	370
AMERICAN FINL GROUP INC OHIO	COM	025932104	23,907	174	SH		SOLE		174	0	0
AMGEN INC	COM	031162100	6,803	26	SH		SOLE		26	0	0
AON PLC	SHS CL A	G0403H108	33,916	113	SH		SOLE		113	0	0
APPLE INC	COM	037833100	4,860,635	37,410	SH		SOLE		32,054	0	5,356
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,476	36	SH		SOLE		36	0	0
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,440	51	SH		SOLE		51	0	0
ARK ETF TR	INNOVATION ETF	00214Q104	812	26	SH		SOLE		26	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	43,712	80	SH		SOLE		0	0	80
AT&T INC	COM	00206R102	9,150	497	SH		SOLE		497	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	58,760	246	SH		SOLE		246	0	0
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	5,770	1,000	SH		SOLE		0	0	1,000
BANK AMERICA CORP	COM	060505104	76,805	2,319	SH		SOLE		2,119	0	200
BLACKBERRY LTD	COM	09228F103	196	60	SH		SOLE		0	0	60
BLACKSTONE INC	COM	09260D107	93,627	1,262	SH		SOLE		1,262	0	0
BOSTON BEER INC	CL A	100557107	2,636	8	SH		SOLE		8	0	0
BP PLC	SPONSORED ADR	055622104	12,330	353	SH		SOLE		353	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	439,285	6,105	SH		SOLE		4,685	0	1,420
BROADCOM INC	COM	11135F101	96,170	172	SH		SOLE		74	0	98
CANADIAN IMPERIAL BK COMM TO	COM	136069101	8,090	200	SH		SOLE		200	0	0
CANADIAN NATL RY CO	COM	136375102	71,328	600	SH		SOLE		600	0	0
CARNIVAL CORP	COMMON STOCK	143658300	3,224	400	SH		SOLE		400	0	0
CHEMOURS CO	COM	163851108	9,952	325	SH		SOLE		325	0	0
CHENIERE ENERGY INC	COM NEW	16411R208	50,537	337	SH		SOLE		0	0	337
CHEVRON CORP NEW	COM	166764100	667,426	3,718	SH		SOLE		2,815	0	903
CHIPOTLE MEXICAN GRILL INC	COM	169656105	80,474	58	SH		SOLE		0	0	58
CINCINNATI FINL CORP	COM	172062101	44,028	430	SH		SOLE		430	0	0
CINTAS CORP	COM	172908105	2,774,753	6,144	SH		SOLE		6,144	0	0
CISCO SYS INC	COM	17275R102	7,908	166	SH		SOLE		166	0	0
CLEAN ENERGY FUELS CORP	COM	184499101	291	56	SH		SOLE		0	0	56
CLOVER HEALTH INVESTMENTS CO	COM CL A	18914F103	46	50	SH		SOLE		0	0	50
COCA COLA CO	COM	191216100	312,452	4,912	SH		SOLE		3,112	0	1,800
COINBASE GLOBAL INC	COM CL A	19260Q107	3,539	100	SH		SOLE		100	0	0
CONCENTRIX CORP	COM	20602D101	1,598	12	SH		SOLE		12	0	0
CONOCOPHILLIPS	COM	20825C104	76,700	650	SH		SOLE		650	0	0
CORTEVA INC	COM	22052L104	42,851	729	SH		SOLE		729	0	0
COSTCO WHSL CORP NEW	COM	22160K105	710,713	1,557	SH		SOLE		1,352	0	205
CSX CORP	COM	126408103	134,763	4,350	SH		SOLE		4,350	0	0
CVS HEALTH CORP	COM	126650100	9,326	100	SH		SOLE		100	0	0
DANAHER CORPORATION	COM	235851102	531	2	SH		SOLE		2	0	0
DECKERS OUTDOOR CORP	COM	243537107	107,773	270	SH		SOLE		0	0	270
DEERE & CO	COM	244199105	74,175	173	SH		SOLE		15	0	158
DELTA AIR LINES INC DEL	COM NEW	247361702	15,116	460	SH		SOLE		460	0	0
DEXCOM INC	COM	252131107	67,718	598	SH		SOLE		0	0	598
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	167,400	5,000	SH		SOLE		5,000	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	107,415	2,100	SH		SOLE		2,100	0	0
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	69,968	1,592	SH		SOLE		1,592	0	0
DISNEY WALT CO	COM	254687106	182,280	2,098	SH		SOLE		2,092	0	6
DOW INC	COM	260557103	36,634	727	SH		SOLE		727	0	0
DOXIMITY INC	CL A	26622P107	101	3	SH		SOLE		0	0	3
DT MIDSTREAM INC	COMMON STOCK	23345M107	1,879	34	SH		SOLE		0	0	34
DTE ENERGY CO	COM	233331107	8,199	70	SH		SOLE		0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	244,069	2,370	SH		SOLE		1,478	0	892
DUPONT DE NEMOURS INC	COM	26614N102	50,100	730	SH		SOLE		730	0	0
ELEVANCE HEALTH INC	COM	036752103	103,620	202	SH		SOLE		202	0	0
EMERSON ELEC CO	COM	291011104	24,015	250	SH		SOLE		250	0	0
ENBRIDGE INC	COM	29250N105	48,836	1,249	SH		SOLE		467	0	782
ENTERGY CORP NEW	COM	29364G103	6,188	55	SH		SOLE		55	0	0
ESSENTIAL UTILS INC	COM	29670G102	23,865	500	SH		SOLE		500	0	0
ETF MANAGERS TR	AI POWERED EQT	26924G813	285	10	SH		SOLE		10	0	0
ETF MANAGERS TR	ETFMG ALTR HRVST	26924G508	545	128	SH		SOLE		128	0	0
EXXON MOBIL CORP	COM	30231G102	717,281	6,503	SH		SOLE		5,503	0	1,000
FIFTH THIRD BANCORP	COM	316773100	261,430	7,968	SH		SOLE		7,968	0	0
FIRSTENERGY CORP	COM	337932107	33,552	800	SH		SOLE		0	0	800
FORD MTR CO DEL	COM	345370860	4,029	346	SH		SOLE		296	0	50
GAMESTOP CORP NEW	CL A	36467W109	222	12	SH		SOLE		12	0	0
GARTNER INC	COM	366651107	98,825	294	SH		SOLE		0	0	294
GENERAL DYNAMICS CORP	COM	369550108	9,924	40	SH		SOLE		40	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	16,183	193	SH		SOLE		141	0	52
GENUINE PARTS CO	COM	372460105	20,995	121	SH		SOLE		121	0	0
GLADSTONE LD CORP	COM	376549101	19,524	1,064	SH		SOLE		1,064	0	0
GLOBAL X FDS	AUTONMOUS EV ETF	37954Y624	39,740	2,000	SH		SOLE		2,000	0	0
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	2,448	177	SH		SOLE		0	0	177
GLOBAL X FDS	CLEANTECH ETF	37954Y228	1,782	122	SH		SOLE		122	0	0
GLOBAL X FDS	DOW 30 COVERED C	37960A859	755	35	SH		SOLE		0	0	35
GLOBAL X FDS	FINTECH ETF	37954Y814	2,502	130	SH		SOLE		130	0	0
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	1,948	154	SH		SOLE		154	0	0
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	1,928	96	SH		SOLE		0	0	96
GLOBAL X FDS	GREEN BUILDNG ET	37960A842	1,956	96	SH		SOLE		96	0	0
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	241,649	4,123	SH		SOLE		4,123	0	0
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	16,846	1,284	SH		SOLE		1,138	0	146
GLOBAL X FDS	SOLAR ETF	37960A701	11,841	581	SH		SOLE		581	0	0
GLOBAL X FDS	TELMDC&DIG ETF	37954Y285	2,316	200	SH		SOLE		200	0	0
GLOBAL X FDS	THMATC GWT ETF	37954Y418	50,869	2,236	SH		SOLE		2,126	0	110
GLOBAL X FDS	US INFR DEV ETF	37954Y673	3,311	125	SH		SOLE		125	0	0
HOME DEPOT INC	COM	437076102	154,456	489	SH		SOLE		285	0	204
HUMANA INC	COM	444859102	46,097	90	SH		SOLE		90	0	0
ILLINOIS TOOL WKS INC	COM	452308109	25,334	115	SH		SOLE		115	0	0
INTEL CORP	COM	458140100	154,245	5,836	SH		SOLE		3,536	0	2,300
INTERNATIONAL BUSINESS MACHS	COM	459200101	138,101	980	SH		SOLE		980	0	0
INTERNATIONAL PAPER CO	COM	460146103	8,658	250	SH		SOLE		250	0	0
INTUIT	COM	461202103	1,557	4	SH		SOLE		0	0	4
INTUITIVE SURGICAL INC	COM NEW	46120E602	145,146	547	SH		SOLE		78	0	469
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,930	200	SH		SOLE		0	0	200
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	123,327	1,930	SH		SOLE		1,930	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	5,120	33	SH		SOLE		33	0	0
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	90,195	1,750	SH		SOLE		1,750	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	94,073	353	SH		SOLE		85	0	268
ISHARES INC	CORE MSCI EMKT	46434G103	245,866	5,265	SH		SOLE		1,300	0	3,965
ISHARES INC	MSCI AUST ETF	464286103	6,669	300	SH		SOLE		0	0	300
ISHARES TR	1 3 YR TREAS BD	464287457	48,702	600	SH		SOLE		0	0	600
ISHARES TR	CORE DIV GRWTH	46434V621	22,718,038	454,361	SH		SOLE		385,272	0	69,089
ISHARES TR	CORE MSCI EAFE	46432F842	17,915,737	290,651	SH		SOLE		253,264	0	37,387
ISHARES TR	CORE S&P MCP ETF	464287507	16,670,132	68,916	SH		SOLE		59,853	0	9,063
ISHARES TR	CORE S&P SCP ETF	464287804	11,929,715	126,054	SH		SOLE		110,357	0	15,697
ISHARES TR	CORE S&P TTL STK	464287150	445,767	5,257	SH		SOLE		1,130	0	4,127
ISHARES TR	CORE S&P500 ETF	464287200	42,803,316	111,406	SH		SOLE		98,872	0	12,534
ISHARES TR	CORE TOTAL USD	46434V613	142,243	3,166	SH		SOLE		7	0	3,159
ISHARES TR	CORE US AGGBD ET	464287226	123,662	1,275	SH		SOLE		1,275	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	1,020,197	12,180	SH		SOLE		9,025	0	3,155
ISHARES TR	EAFE VALUE ETF	464288877	608,919	13,272	SH		SOLE		11,397	0	1,875
ISHARES TR	EXPANDED TECH	464287515	4,605	18	SH		SOLE		18	0	0
ISHARES TR	EXPONENTIAL TECH	46434V381	5,918	125	SH		SOLE		125	0	0
ISHARES TR	GL CLEAN ENE ETF	464288224	992	50	SH		SOLE		50	0	0
ISHARES TR	GRWT ALLOCAT ETF	464289867	1,415	30	SH		SOLE		30	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	119,136	1,130	SH		SOLE		1,130	0	0
ISHARES TR	INTL DIV GRWTH	46435G524	1,268	22	SH		SOLE		22	0	0
ISHARES TR	ISHARES SEMICDTR	464287523	2,088	6	SH		SOLE		6	0	0
ISHARES TR	MSCI EAFE ETF	464287465	1,126,063	17,155	SH		SOLE		14,039	0	3,116
ISHARES TR	MSCI EMG MKT ETF	464287234	131,513	3,470	SH		SOLE		2,400	0	1,070
ISHARES TR	MSCI KLD400 SOC	464288570	215,370	3,000	SH		SOLE		3,000	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	132,231	1,834	SH		SOLE		1,834	0	0
ISHARES TR	RUS 1000 ETF	464287622	54,104	257	SH		SOLE		257	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	110,762	517	SH		SOLE		517	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	270,441	1,783	SH		SOLE		1,626	0	157
ISHARES TR	RUS 2000 VAL ETF	464287630	10,832	78	SH		SOLE		0	0	78
ISHARES TR	RUS MD CP GR ETF	464287481	1,128,098	13,494	SH		SOLE		10,534	0	2,960
ISHARES TR	RUS MDCP VAL ETF	464287473	193,615	1,838	SH		SOLE		1,838	0	0
ISHARES TR	RUS MID CAP ETF	464287499	912,261	13,525	SH		SOLE		13,525	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	573,296	3,288	SH		SOLE		3,128	0	160
ISHARES TR	S&P 100 ETF	464287101	76,074	446	SH		SOLE		446	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	556,862	9,519	SH		SOLE		5,590	0	3,929
ISHARES TR	S&P 500 VAL ETF	464287408	499,331	3,442	SH		SOLE		895	0	2,547
ISHARES TR	S&P MC 400GR ETF	464287606	669,750	9,806	SH		SOLE		7,067	0	2,739
ISHARES TR	S&P MC 400VL ETF	464287705	491,198	4,873	SH		SOLE		4,129	0	744
ISHARES TR	S&P SML 600 GWT	464287887	1,027,746	9,510	SH		SOLE		5,544	0	3,966
ISHARES TR	SELECT DIVID ETF	464287168	129,152	1,071	SH		SOLE		954	0	117
ISHARES TR	SP SMCP600VL ETF	464287879	466,046	5,104	SH		SOLE		4,979	0	125
ISHARES TR	TIPS BD ETF	464287176	25,707	242	SH		SOLE		0	0	242
ISHARES TR	US AER DEF ETF	464288760	11,186	100	SH		SOLE		100	0	0
ISHARES TR	US CONSUM DISCRE	464287580	10,822	190	SH		SOLE		190	0	0
ISHARES TR	US TELECOM ETF	464287713	381	17	SH		SOLE		17	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	3,774,413	69,268	SH		SOLE		62,254	0	7,014
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	685,127	13,667	SH		SOLE		13,192	0	475
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	5,130,566	101,525	SH		SOLE		74,817	0	26,708
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	495,558	10,648	SH		SOLE		8,898	0	1,750
JOHNSON & JOHNSON	COM	478160104	146,973	832	SH		SOLE		832	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,203,653	16,433	SH		SOLE		14,014	0	2,419
KOHLS CORP	COM	500255104	4,040	160	SH		SOLE		160	0	0
KROGER CO	COM	501044101	304,571	6,832	SH		SOLE		6,832	0	0
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	1,068	96	SH		SOLE		96	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	62,255	299	SH		SOLE		299	0	0
LCNB CORP	COM	50181P100	10,104,462	561,359	SH		SOLE		318,128	0	243,231
LEIDOS HOLDINGS INC	COM	525327102	50,070	476	SH		SOLE		476	0	0
LILLY ELI & CO	COM	532457108	214,016	585	SH		SOLE		315	0	270
LINCOLN ELEC HLDGS INC	COM	533900106	419,021	2,900	SH		SOLE		0	0	2,900
LINDE PLC	SHS	G5494J103	29,356	90	SH		SOLE		90	0	0
LOWES COS INC	COM	548661107	5,579	28	SH		SOLE		28	0	0
LUCID GROUP INC	COM	549498103	1,024	150	SH		SOLE		150	0	0
LULULEMON ATHLETICA INC	COM	550021109	223,305	697	SH		SOLE		490	0	207
MARKEL CORP	COM	570535104	90,907	69	SH		SOLE		0	0	69
MARRIOTT INTL INC NEW	CL A	571903202	26,056	175	SH		SOLE		0	0	175
MARSH & MCLENNAN COS INC	COM	571748102	10,756	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC	COM	573874104	2,158	58	SH		SOLE		58	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	97,017	279	SH		SOLE		15	0	264
MCDONALDS CORP	COM	580135101	133,083	505	SH		SOLE		505	0	0
MCKESSON CORP	COM	58155Q103	65,271	174	SH		SOLE		0	0	174
MEDTRONIC PLC	SHS	G5960L103	13,212	170	SH		SOLE		170	0	0
MERCK & CO INC	COM	58933Y105	54,587	492	SH		SOLE		492	0	0
MICRON TECHNOLOGY INC	COM	595112103	1,499	30	SH		SOLE		30	0	0
MICROSOFT CORP	COM	594918104	1,324,247	5,522	SH		SOLE		4,151	0	1,371
MODERNA INC	COM	60770K107	183	1	SH		SOLE		1	0	0
NASDAQ INC	COM	631103108	1,656	27	SH		SOLE		0	0	27
NETFLIX INC	COM	64110L106	30,967	105	SH		SOLE		100	0	5
NEUBASE THERAPEUTICS INC	COM	64132K102	0	2	SH		SOLE		2	0	0
NEXTERA ENERGY INC	COM	65339F101	1,103,527	13,200	SH		SOLE		7,322	0	5,878
NIKE INC	CL B	654106103	14,626	125	SH		SOLE		125	0	0
NIO INC	SPON ADS	62914V106	11,368	1,166	SH		SOLE		1,166	0	0
NORFOLK SOUTHN CORP	COM	655844108	320,346	1,300	SH		SOLE		650	0	650
NOVOCURE LTD	ORD SHS	G6674U108	513	7	SH		SOLE		0	0	7
NUCOR CORP	COM	670346105	52,724	400	SH		SOLE		400	0	0
NVIDIA CORPORATION	COM	67066G104	78,624	538	SH		SOLE		528	0	10
OCCIDENTAL PETE CORP	COM	674599105	78,829	1,251	SH		SOLE		1,251	0	0
OLD REP INTL CORP	COM	680223104	18,112	750	SH		SOLE		0	0	750
ON SEMICONDUCTOR CORP	COM	682189105	82,952	1,330	SH		SOLE		0	0	1,330
ORACLE CORP	COM	68389X105	2,207	27	SH		SOLE		0	0	27
OREILLY AUTOMOTIVE INC	COM	67103H107	112,256	133	SH		SOLE		0	0	133
PAYPAL HLDGS INC	COM	70450Y103	712	10	SH		SOLE		10	0	0
PEPSICO INC	COM	713448108	321,755	1,781	SH		SOLE		1,781	0	0
PFIZER INC	COM	717081103	994,261	19,404	SH		SOLE		16,031	0	3,373
PHILIP MORRIS INTL INC	COM	718172109	30,363	300	SH		SOLE		300	0	0
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	42,379	1,331	SH		SOLE		1,331	0	0
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	2,765,956	29,344	SH		SOLE		26,210	0	3,134
PIONEER NAT RES CO	COM	723787107	914	4	SH		SOLE		4	0	0
PNC FINL SVCS GROUP INC	COM	693475105	101,240	641	SH		SOLE		641	0	0
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	12,084	144	SH		SOLE		0	0	144
PROCTER AND GAMBLE CO	COM	742718109	11,296,639	74,536	SH		SOLE		70,139	0	4,397
QUANTA SVCS INC	COM	74762E102	114,712	805	SH		SOLE		0	0	805
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	273,392	2,709	SH		SOLE		375	0	2,334
REGENERON PHARMACEUTICALS	COM	75886F107	46,897	65	SH		SOLE		0	0	65
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	7,317	397	SH		SOLE		397	0	0
ROKU INC	COM CL A	77543R102	122	3	SH		SOLE		0	0	3
ROYAL BK CDA SUSTAINABL	COM	780087102	18,804	200	SH		SOLE		0	0	200
ROYAL CARIBBEAN GROUP	COM	V7780T103	153,826	3,112	SH		SOLE		3,112	0	0
SALESFORCE INC	COM	79466L302	1,724	13	SH		SOLE		0	0	13
SCHNITZER STEEL INDS INC	CL A	806882106	9,195	300	SH		SOLE		300	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	32,002	1,352	SH		SOLE		1,352	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	226,166	7,022	SH		SOLE		4,322	0	2,700
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	375	8	SH		SOLE		8	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,002	45	SH		SOLE		45	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	24,550	325	SH		SOLE		325	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	25,780	464	SH		SOLE		464	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	26,540	402	SH		SOLE		402	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	794,098	17,588	SH		SOLE		11,550	0	6,038
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	128,792	1,963	SH		SOLE		659	0	1,304
SCHWAB STRATEGIC TR	US REIT ETF	808524847	435	23	SH		SOLE		23	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	111,078	2,742	SH		SOLE		2,124	0	618
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	14,808	109	SH		SOLE		109	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	12,690	180	SH		SOLE		180	0	0
SEMPRA	COM	816851109	54,089	350	SH		SOLE		350	0	0
SERVICENOW INC	COM	81762P102	38,050	98	SH		SOLE		0	0	98
SHOPIFY INC	CL A	82509L107	347	10	SH		SOLE		0	0	10
SMUCKER J M CO	COM NEW	832696405	52,450	331	SH		SOLE		331	0	0
SPDR GOLD TR	GOLD SHS	78463V107	357,262	2,106	SH		SOLE		1,680	0	426
SPDR INDEX SHS FDS	S&P CHINA ETF	78463X400	78	1	SH		SOLE		1	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	528,901	1,383	SH		SOLE		1,383	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	4,879	39	SH		SOLE		39	0	0
STARBUCKS CORP	COM	855244109	61,504	620	SH		SOLE		620	0	0
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	380,211	18,480	SH		SOLE		16,680	0	1,800
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	82,311	1,105	SH		SOLE		1,105	0	0
TD SYNNEX CORPORATION	COM	87162W100	1,137	12	SH		SOLE		12	0	0
TESLA INC	COM	88160R101	340,839	2,767	SH		SOLE		2,362	0	405
THE TRADE DESK INC	COM CL A	88339J105	75,718	1,689	SH		SOLE		170	0	1,519
THERMO FISHER SCIENTIFIC INC	COM	883556102	68,836	125	SH		SOLE		0	0	125
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	1,975	100	SH		SOLE		100	0	0
TRACTOR SUPPLY CO	COM	892356106	69,291	308	SH		SOLE		0	0	308
UBER TECHNOLOGIES INC	COM	90353T100	544	22	SH		SOLE		0	0	22
UNION PAC CORP	COM	907818108	18,636	90	SH		SOLE		90	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	8,692	50	SH		SOLE		50	0	0
UNITED RENTALS INC	COM	911363109	44,428	125	SH		SOLE		0	0	125
UNITEDHEALTH GROUP INC	COM	91324P102	337,203	636	SH		SOLE		457	0	179
UPSTART HLDGS INC	COM	91680M107	93	7	SH		SOLE		0	0	7
US BANCORP DEL	COM NEW	902973304	251,630	5,770	SH		SOLE		5,770	0	0
VANECK MERK GOLD TR	GOLD TRUST	921078101	241,203	13,635	SH		SOLE		0	0	13,635
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	197,485	1,410	SH		SOLE		1,410	0	0
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	63,833	377	SH		SOLE		377	0	0
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,001,048	6,120	SH		SOLE		5,152	0	968
VANGUARD ADMIRAL FDS INC	MIDCP 400 VAL	921932844	66,431	433	SH		SOLE		433	0	0
VANGUARD ADMIRAL FDS INC	SMLCP 600 GRTH	921932794	31,686	170	SH		SOLE		170	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	776,949	4,483	SH		SOLE		3,570	0	913
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	133,246	1,770	SH		SOLE		1,770	0	0
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	35,952	200	SH		SOLE		0	0	200
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	843,567	2,401	SH		SOLE		2,361	0	40
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	172,933	1,089	SH		SOLE		0	0	1,089
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	353,510	1,849	SH		SOLE		1,849	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	195	5	SH		SOLE		5	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	277	5	SH		SOLE		5	0	0
VANGUARD INTL EQUITY INDEX F	FTSE PACIFIC ETF	922042866	35,586	553	SH		SOLE		553	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	380,778	3,704	SH		SOLE		1,000	0	2,704
VANGUARD SCOTTSDALE FDS	TOTAL WLD BD ETF	92206C565	268	4	SH		SOLE		4	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	902,141	5,941	SH		SOLE		1,351	0	4,590
VANGUARD STAR FDS	VG TL INTL STK F	921909768	621	12	SH		SOLE		0	0	12
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	722,094	17,205	SH		SOLE		17,205	0	0
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	67,054	963	SH		SOLE		963	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	8,817	224	SH		SOLE		224	0	0
VERTEX PHARMACEUTICALS INC	COM	92532F100	76,815	266	SH		SOLE		0	0	266
VIATRIS INC	COM	92556V106	757	68	SH		SOLE		68	0	0
VISA INC	COM CL A	92826C839	37,189	179	SH		SOLE		179	0	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	1,650	163	SH		SOLE		163	0	0
WABTEC	COM	929740108	399	4	SH		SOLE		4	0	0
WALMART INC	COM	931142103	66,783	471	SH		SOLE		471	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	1,138	120	SH		SOLE		120	0	0
WASTE MGMT INC DEL	COM	94106L109	50,515	322	SH		SOLE		66	0	256
WORKHORSE GROUP INC	COM NEW	98138J206	137	90	SH		SOLE		90	0	0
WORTHINGTON INDS INC	COM	981811102	57,207	1,151	SH		SOLE		1,151	0	0
WP CAREY INC	COM	92936U109	42,435	543	SH		SOLE		543	0	0
YUM BRANDS INC	COM	988498101	64,040	500	SH		SOLE		500	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	28,560	224	SH		SOLE		224	0	0
ZIMVIE INC	COM	98888T107	205	22	SH		SOLE		22	0	0

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