Ritter Daniher Financial Advisory LLC / DE 13FHR Quarterly holdings report by institutional manager | SEC 11 May 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
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	18,395	175	SH		SOLE		175	0	0
ABBOTT LABS	COM	002824100	3,038	30	SH		SOLE		30	0	0
ABBVIE INC	COM	00287Y109	120,803	758	SH		SOLE		300	0	458
ACADIA PHARMACEUTICALS INC	COM	004225108	1,186	63	SH		SOLE		63	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	70,881	248	SH		SOLE		248	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	8,559	100	SH		SOLE		100	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	87,094	226	SH		SOLE		0	0	226
ADVANCED MICRO DEVICES INC	COM	007903107	2,941	30	SH		SOLE		0	0	30
ALCOA CORP	COM	013872106	31,197	733	SH		SOLE		733	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	23,808	233	SH		SOLE		233	0	0
ALPHABET INC	CAP STK CL A	02079K305	874,444	8,430	SH		SOLE		5,100	0	3,330
ALPHABET INC	CAP STK CL C	02079K107	454,480	4,370	SH		SOLE		3,966	0	404
ALTRIA GROUP INC	COM	02209S103	44,620	1,000	SH		SOLE		1,000	0	0
AMAZON COM INC	COM	023135106	1,676,713	16,233	SH		SOLE		14,240	0	1,993
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	15,642,430	295,754	SH		SOLE		247,313	0	48,441
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	934,308	19,388	SH		SOLE		18,995	0	393
AMERICAN ELEC PWR CO INC	COM	025537101	10,919	120	SH		SOLE		120	0	0
AMERICAN EXPRESS CO	COM	025816109	53,609	325	SH		SOLE		0	0	325
AMERICAN FINL GROUP INC OHIO	COM	025932104	21,882	180	SH		SOLE		180	0	0
AMGEN INC	COM	031162100	6,321	26	SH		SOLE		26	0	0
AON PLC	SHS CL A	G0403H108	22,071	70	SH		SOLE		70	0	0
APPLE INC	COM	037833100	6,192,186	37,551	SH		SOLE		32,195	0	5,356
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,811	36	SH		SOLE		36	0	0
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,534	51	SH		SOLE		51	0	0
ARK ETF TR	INNOVATION ETF	00214Q104	1,049	26	SH		SOLE		26	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	54,457	80	SH		SOLE		0	0	80
AT&T INC	COM	00206R102	11,377	591	SH		SOLE		591	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	54,767	246	SH		SOLE		246	0	0
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	6,060	1,000	SH		SOLE		0	0	1,000
BANK AMERICA CORP	COM	060505104	77,049	2,694	SH		SOLE		2,494	0	200
BLACKSTONE INC	COM	09260D107	111,890	1,274	SH		SOLE		1,274	0	0
BOSTON BEER INC	CL A	100557107	2,630	8	SH		SOLE		8	0	0
BP PLC	SPONSORED ADR	055622104	13,393	353	SH		SOLE		353	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	423,168	6,105	SH		SOLE		4,685	0	1,420
BROADCOM INC	COM	11135F101	193,746	302	SH		SOLE		129	0	173
CANADIAN IMPERIAL BK COMM TO	COM	136069101	8,484	200	SH		SOLE		200	0	0
CANADIAN NATL RY CO	COM	136375102	70,782	600	SH		SOLE		600	0	0
CARNIVAL CORP	COMMON STOCK	143658300	4,060	400	SH		SOLE		400	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	9,150	200	SH		SOLE		200	0	0
CHARTER COMMUNICATIONS INC N	CL A	16119P108	2,504	7	SH		SOLE		7	0	0
CHEMOURS CO	COM	163851108	9,731	325	SH		SOLE		325	0	0
CHENIERE ENERGY INC	COM NEW	16411R208	47,123	299	SH		SOLE		0	0	299
CHEVRON CORP NEW	COM	166764100	656,622	4,024	SH		SOLE		3,121	0	903
CINCINNATI FINL CORP	COM	172062101	48,195	430	SH		SOLE		430	0	0
CINTAS CORP	COM	172908105	2,281,938	4,932	SH		SOLE		4,932	0	0
CISCO SYS INC	COM	17275R102	8,678	166	SH		SOLE		166	0	0
CLOROX CO DEL	COM	189054109	15,824	100	SH		SOLE		100	0	0
COCA COLA CO	COM	191216100	303,141	4,887	SH		SOLE		3,087	0	1,800
COINBASE GLOBAL INC	COM CL A	19260Q107	6,757	100	SH		SOLE		100	0	0
COLGATE PALMOLIVE CO	COM	194162103	11,273	150	SH		SOLE		150	0	0
CONCENTRIX CORP	COM	20602D101	1,459	12	SH		SOLE		12	0	0
CONOCOPHILLIPS	COM	20825C104	64,487	650	SH		SOLE		650	0	0
CONSOLIDATED EDISON INC	COM	209115104	23,918	250	SH		SOLE		250	0	0
CORTEVA INC	COM	22052L104	43,966	729	SH		SOLE		729	0	0
COSTCO WHSL CORP NEW	COM	22160K105	811,033	1,632	SH		SOLE		1,177	0	455
CSX CORP	COM	126408103	130,239	4,350	SH		SOLE		4,350	0	0
CVS HEALTH CORP	COM	126650100	7,437	100	SH		SOLE		100	0	0
DANAHER CORPORATION	COM	235851102	505	2	SH		SOLE		2	0	0
DECKERS OUTDOOR CORP	COM	243537107	13,487	30	SH		SOLE		0	0	30
DEERE & CO	COM	244199105	71,429	173	SH		SOLE		15	0	158
DELTA AIR LINES INC DEL	COM NEW	247361702	16,064	460	SH		SOLE		460	0	0
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	110,670	2,100	SH		SOLE		2,100	0	0
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	70,844	1,592	SH		SOLE		1,592	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	57,074	2,475	SH		SOLE		2,475	0	0
DISNEY WALT CO	COM	254687106	210,080	2,098	SH		SOLE		2,092	0	6
DOW INC	COM	260557103	39,855	727	SH		SOLE		727	0	0
DT MIDSTREAM INC	COMMON STOCK	23345M107	1,679	34	SH		SOLE		0	0	34
DTE ENERGY CO	COM	233331107	7,642	70	SH		SOLE		0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	256,254	2,656	SH		SOLE		1,764	0	892
DUPONT DE NEMOURS INC	COM	26614N102	52,393	730	SH		SOLE		730	0	0
ELEVANCE HEALTH INC	COM	036752103	92,882	202	SH		SOLE		202	0	0
EMERSON ELEC CO	COM	291011104	21,785	250	SH		SOLE		250	0	0
ENBRIDGE INC	COM	29250N105	47,650	1,249	SH		SOLE		467	0	782
ENTERGY CORP NEW	COM	29364G103	5,926	55	SH		SOLE		55	0	0
ESSENTIAL UTILS INC	COM	29670G102	21,825	500	SH		SOLE		500	0	0
ETF MANAGERS TR	AI POWERED EQT	26924G813	292	10	SH		SOLE		10	0	0
ETF MANAGERS TR	ETFMG ALTR HRVST	26924G508	451	128	SH		SOLE		128	0	0
EVERGY INC	COM	30034W106	7,274	119	SH		SOLE		119	0	0
EXXON MOBIL CORP	COM	30231G102	724,085	6,603	SH		SOLE		5,603	0	1,000
FIFTH THIRD BANCORP	COM	316773100	266,081	9,988	SH		SOLE		9,988	0	0
FIRST BANCSHARES INC MS	COM	318916103	5,218	202	SH		SOLE		202	0	0
FORD MTR CO DEL	COM	345370860	3,780	300	SH		SOLE		300	0	0
GAMESTOP CORP NEW	CL A	36467W109	277	12	SH		SOLE		12	0	0
GARTNER INC	COM	366651107	84,375	259	SH		SOLE		0	0	259
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	5,086	62	SH		SOLE		46	0	16
GENERAL DYNAMICS CORP	COM	369550108	9,129	40	SH		SOLE		40	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	18,468	193	SH		SOLE		141	0	52
GENUINE PARTS CO	COM	372460105	20,245	121	SH		SOLE		121	0	0
GLADSTONE LD CORP	COM	376549101	17,716	1,064	SH		SOLE		1,064	0	0
GLOBAL X FDS	AUTONMOUS EV ETF	37954Y624	47,680	2,000	SH		SOLE		2,000	0	0
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	2,583	177	SH		SOLE		0	0	177
GLOBAL X FDS	CLEANTECH ETF	37954Y228	1,943	122	SH		SOLE		122	0	0
GLOBAL X FDS	FINTECH ETF	37954Y814	2,707	130	SH		SOLE		130	0	0
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	1,898	154	SH		SOLE		154	0	0
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	1,914	96	SH		SOLE		0	0	96
GLOBAL X FDS	GREEN BUILDNG ET	37960A842	1,971	96	SH		SOLE		96	0	0
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	262,017	4,123	SH		SOLE		4,123	0	0
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	15,909	1,284	SH		SOLE		1,138	0	146
GLOBAL X FDS	SOLAR ETF	37960A701	12,109	581	SH		SOLE		581	0	0
GLOBAL X FDS	TELMDC&DIG ETF	37954Y285	2,344	200	SH		SOLE		200	0	0
GLOBAL X FDS	THMATC GWT ETF	37954Y418	4,711	185	SH		SOLE		75	0	110
GLOBAL X FDS	US INFR DEV ETF	37954Y673	3,544	125	SH		SOLE		125	0	0
HOME DEPOT INC	COM	437076102	173,826	589	SH		SOLE		385	0	204
HUMANA INC	COM	444859102	43,692	90	SH		SOLE		90	0	0
ILLINOIS TOOL WKS INC	COM	452308109	40,170	165	SH		SOLE		165	0	0
INTEL CORP	COM	458140100	115,522	3,536	SH		SOLE		1,236	0	2,300
INTERNATIONAL BUSINESS MACHS	COM	459200101	128,496	980	SH		SOLE		980	0	0
INTERNATIONAL PAPER CO	COM	460146103	9,015	250	SH		SOLE		250	0	0
INTUIT	COM	461202103	1,784	4	SH		SOLE		0	0	4
INTUITIVE SURGICAL INC	COM NEW	46120E602	126,203	494	SH		SOLE		78	0	416
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,748	200	SH		SOLE		0	0	200
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	119,282	1,705	SH		SOLE		1,705	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	5,174	33	SH		SOLE		33	0	0
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	93,363	1,750	SH		SOLE		1,750	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	113,381	353	SH		SOLE		85	0	268
ISHARES INC	CORE MSCI EMKT	46434G103	63,525	1,302	SH		SOLE		1,302	0	0
ISHARES INC	MSCI AUST ETF	464286103	6,882	300	SH		SOLE		0	0	300
ISHARES INC	MSCI PAC JP ETF	464286665	118,233	2,700	SH		SOLE		2,700	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	49,296	600	SH		SOLE		0	0	600
ISHARES TR	CORE DIV GRWTH	46434V621	24,414,640	488,390	SH		SOLE		401,581	0	86,809
ISHARES TR	CORE MSCI EAFE	46432F842	21,098,560	315,610	SH		SOLE		264,605	0	51,005
ISHARES TR	CORE S&P MCP ETF	464287507	18,793,747	75,127	SH		SOLE		62,271	0	12,856
ISHARES TR	CORE S&P SCP ETF	464287804	13,489,018	139,493	SH		SOLE		116,846	0	22,647
ISHARES TR	CORE S&P TTL STK	464287150	200,302	2,212	SH		SOLE		1,095	0	1,117
ISHARES TR	CORE S&P500 ETF	464287200	50,071,369	121,804	SH		SOLE		103,469	0	18,335
ISHARES TR	CORE TOTAL USD	46434V613	324	7	SH		SOLE		7	0	0
ISHARES TR	CORE US AGGBD ET	464287226	127,041	1,275	SH		SOLE		1,275	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	951,883	10,161	SH		SOLE		7,141	0	3,020
ISHARES TR	EAFE VALUE ETF	464288877	644,091	13,272	SH		SOLE		11,397	0	1,875
ISHARES TR	EXPANDED TECH	464287515	5,485	18	SH		SOLE		18	0	0
ISHARES TR	EXPONENTIAL TECH	46434V381	6,588	125	SH		SOLE		125	0	0
ISHARES TR	GL CLEAN ENE ETF	464288224	989	50	SH		SOLE		50	0	0
ISHARES TR	GRWT ALLOCAT ETF	464289867	1,501	30	SH		SOLE		30	0	0
ISHARES TR	INTL DIV GRWTH	46435G524	1,334	22	SH		SOLE		22	0	0
ISHARES TR	ISHARES SEMICDTR	464287523	2,669	6	SH		SOLE		6	0	0
ISHARES TR	MSCI EAFE ETF	464287465	939,102	13,131	SH		SOLE		10,584	0	2,547
ISHARES TR	MSCI EMG MKT ETF	464287234	136,927	3,470	SH		SOLE		2,400	0	1,070
ISHARES TR	MSCI KLD400 SOC	464288570	233,970	3,000	SH		SOLE		3,000	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	13,385	184	SH		SOLE		184	0	0
ISHARES TR	RUS 1000 ETF	464287622	57,885	257	SH		SOLE		257	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	126,319	517	SH		SOLE		517	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	271,529	1,783	SH		SOLE		1,626	0	157
ISHARES TR	RUS 2000 VAL ETF	464287630	10,704	78	SH		SOLE		0	0	78
ISHARES TR	RUS MD CP GR ETF	464287481	1,228,629	13,494	SH		SOLE		10,534	0	2,960
ISHARES TR	RUS MDCP VAL ETF	464287473	195,196	1,838	SH		SOLE		1,838	0	0
ISHARES TR	RUS MID CAP ETF	464287499	915,743	13,097	SH		SOLE		12,907	0	190
ISHARES TR	RUSSELL 2000 ETF	464287655	540,909	3,032	SH		SOLE		2,778	0	254
ISHARES TR	S&P 100 ETF	464287101	83,420	446	SH		SOLE		446	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	538,274	8,425	SH		SOLE		2,963	0	5,462
ISHARES TR	S&P 500 VAL ETF	464287408	505,665	3,332	SH		SOLE		785	0	2,547
ISHARES TR	S&P MC 400GR ETF	464287606	646,308	9,038	SH		SOLE		6,299	0	2,739
ISHARES TR	S&P MC 400VL ETF	464287705	434,101	4,224	SH		SOLE		3,480	0	744
ISHARES TR	S&P SML 600 GWT	464287887	903,158	8,215	SH		SOLE		4,249	0	3,966
ISHARES TR	SELECT DIVID ETF	464287168	125,490	1,071	SH		SOLE		954	0	117
ISHARES TR	SP SMCP600VL ETF	464287879	536,178	5,729	SH		SOLE		5,604	0	125
ISHARES TR	TIPS BD ETF	464287176	26,628	242	SH		SOLE		0	0	242
ISHARES TR	US AER DEF ETF	464288760	11,508	100	SH		SOLE		100	0	0
ISHARES TR	US CONSUM DISCRE	464287580	12,292	190	SH		SOLE		190	0	0
ISHARES TR	US TELECOM ETF	464287713	394	17	SH		SOLE		17	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	4,731,691	86,661	SH		SOLE		69,612	0	17,049
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	202,035	4,015	SH		SOLE		3,532	0	483
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	4,338,838	85,427	SH		SOLE		58,367	0	27,060
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	509,827	10,648	SH		SOLE		8,898	0	1,750
JOHNSON & JOHNSON	COM	478160104	128,960	832	SH		SOLE		832	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,134,819	16,383	SH		SOLE		13,964	0	2,419
KOHLS CORP	COM	500255104	3,767	160	SH		SOLE		160	0	0
KROGER CO	COM	501044101	337,296	6,832	SH		SOLE		6,832	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	10,401	53	SH		SOLE		53	0	0
LAMB WESTON HLDGS INC	COM	513272104	4,286	41	SH		SOLE		41	0	0
LCNB CORP	COM	50181P100	9,172,607	561,359	SH		SOLE		318,128	0	243,231
LEIDOS HOLDINGS INC	COM	525327102	43,821	476	SH		SOLE		476	0	0
LILLY ELI & CO	COM	532457108	324,189	944	SH		SOLE		574	0	370
LINCOLN ELEC HLDGS INC	COM	533900106	490,390	2,900	SH		SOLE		0	0	2,900
LINDE PLC	SHS	G54950103	31,990	90	SH		SOLE		90	0	0
LOWES COS INC	COM	548661107	25,597	128	SH		SOLE		128	0	0
LUCID GROUP INC	COM	549498103	1,206	150	SH		SOLE		150	0	0
LULULEMON ATHLETICA INC	COM	550021109	178,454	490	SH		SOLE		490	0	0
MARKEL CORP	COM	570535104	10,220	8	SH		SOLE		0	0	8
MARSH & MCLENNAN COS INC	COM	571748102	10,826	65	SH		SOLE		65	0	0
MARVELL TECHNOLOGY INC	COM	573874104	2,527	58	SH		SOLE		58	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	101,392	279	SH		SOLE		15	0	264
MCDONALDS CORP	COM	580135101	141,204	505	SH		SOLE		505	0	0
MCKESSON CORP	COM	58155Q103	61,953	174	SH		SOLE		0	0	174
MEDTRONIC PLC	SHS	G5960L103	13,706	170	SH		SOLE		170	0	0
MERCK & CO INC	COM	58933Y105	52,344	492	SH		SOLE		492	0	0
MICRON TECHNOLOGY INC	COM	595112103	1,811	30	SH		SOLE		30	0	0
MICROSOFT CORP	COM	594918104	2,068,231	7,174	SH		SOLE		5,653	0	1,521
MODERNA INC	COM	60770K107	157	1	SH		SOLE		1	0	0
MONDELEZ INTL INC	CL A	609207105	26,285	377	SH		SOLE		377	0	0
NETFLIX INC	COM	64110L106	37,318	108	SH		SOLE		103	0	5
NEUBASE THERAPEUTICS INC	COM	64132K102	1	2	SH		SOLE		2	0	0
NEXTERA ENERGY INC	COM	65339F101	1,017,463	13,200	SH		SOLE		7,322	0	5,878
NIKE INC	CL B	654106103	15,330	125	SH		SOLE		125	0	0
NIO INC	SPON ADS	62914V106	12,255	1,166	SH		SOLE		1,166	0	0
NORFOLK SOUTHN CORP	COM	655844108	254,400	1,200	SH		SOLE		550	0	650
NOVO-NORDISK A S	ADR	670100205	27,850	175	SH		SOLE		0	0	175
NU HLDGS LTD	ORD SHS CL A	G6683N103	2,380	500	SH		SOLE		0	0	500
NUCOR CORP	COM	670346105	61,788	400	SH		SOLE		400	0	0
NVIDIA CORPORATION	COM	67066G104	149,443	538	SH		SOLE		528	0	10
OCCIDENTAL PETE CORP	COM	674599105	125,104	2,004	SH		SOLE		2,004	0	0
OLD REP INTL CORP	COM	680223104	18,728	750	SH		SOLE		0	0	750
ON SEMICONDUCTOR CORP	COM	682189105	109,486	1,330	SH		SOLE		0	0	1,330
ORACLE CORP	COM	68389X105	39,677	427	SH		SOLE		400	0	27
OREILLY AUTOMOTIVE INC	COM	67103H107	112,915	133	SH		SOLE		0	0	133
PAYPAL HLDGS INC	COM	70450Y103	760	10	SH		SOLE		10	0	0
PEPSICO INC	COM	713448108	285,665	1,567	SH		SOLE		1,567	0	0
PFIZER INC	COM	717081103	795,356	19,494	SH		SOLE		15,331	0	4,163
PHILIP MORRIS INTL INC	COM	718172109	29,175	300	SH		SOLE		300	0	0
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	43,418	1,331	SH		SOLE		1,331	0	0
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	3,169,539	33,404	SH		SOLE		26,747	0	6,657
PIONEER NAT RES CO	COM	723787107	817	4	SH		SOLE		4	0	0
PNC FINL SVCS GROUP INC	COM	693475105	81,472	641	SH		SOLE		641	0	0
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	10,703	144	SH		SOLE		0	0	144
PROCTER AND GAMBLE CO	COM	742718109	11,015,393	74,083	SH		SOLE		62,686	0	11,397
PROLOGIS INC.	COM	74340W103	15,472	124	SH		SOLE		74	0	50
QUANTA SVCS INC	COM	74762E102	134,146	805	SH		SOLE		0	0	805
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	258,438	2,639	SH		SOLE		305	0	2,334
REGENERON PHARMACEUTICALS	COM	75886F107	47,657	58	SH		SOLE		0	0	58
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	6,146	397	SH		SOLE		397	0	0
ROYAL BK CDA SUSTAINABL	COM	780087102	19,116	200	SH		SOLE		0	0	200
ROYAL CARIBBEAN GROUP	COM	V7780T103	203,214	3,112	SH		SOLE		3,112	0	0
SALESFORCE INC	COM	79466L302	2,598	13	SH		SOLE		0	0	13
SCHNITZER STEEL INDS INC	CL A	806882106	9,330	300	SH		SOLE		300	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	33,152	1,352	SH		SOLE		1,352	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	216,651	6,226	SH		SOLE		3,526	0	2,700
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	72,769	1,325	SH		SOLE		1,325	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	55,484	1,140	SH		SOLE		1,140	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	28,738	919	SH		SOLE		919	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	388	8	SH		SOLE		8	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,243	47	SH		SOLE		47	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	23,777	325	SH		SOLE		325	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	30,239	464	SH		SOLE		464	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	26,364	402	SH		SOLE		402	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	875,933	18,109	SH		SOLE		12,071	0	6,038
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	133,190	1,963	SH		SOLE		659	0	1,304
SCHWAB STRATEGIC TR	US REIT ETF	808524847	5,337	274	SH		SOLE		274	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	126,755	3,023	SH		SOLE		2,535	0	488
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	14,112	109	SH		SOLE		109	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	12,185	180	SH		SOLE		180	0	0
SEMPRA	COM	816851109	52,906	350	SH		SOLE		350	0	0
SMUCKER J M CO	COM NEW	832696405	52,090	331	SH		SOLE		331	0	0
SOUTHERN CO	COM	842587107	24,353	350	SH		SOLE		350	0	0
SPDR GOLD TR	GOLD SHS	78463V107	385,862	2,106	SH		SOLE		1,680	0	426
SPDR INDEX SHS FDS	S&P CHINA ETF	78463X400	83	1	SH		SOLE		1	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	566,187	1,383	SH		SOLE		1,383	0	0
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	562	12	SH		SOLE		12	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	4,825	39	SH		SOLE		39	0	0
STARBUCKS CORP	COM	855244109	64,561	620	SH		SOLE		620	0	0
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	353,735	14,705	SH		SOLE		12,905	0	1,800
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	102,788	1,105	SH		SOLE		1,105	0	0
TARGET CORP	COM	87612E106	37,267	225	SH		SOLE		225	0	0
TD SYNNEX CORPORATION	COM	87162W100	1,162	12	SH		SOLE		12	0	0
TESLA INC	COM	88160R101	605,161	2,917	SH		SOLE		2,662	0	255
TEXAS ROADHOUSE INC	COM	882681109	973	9	SH		SOLE		9	0	0
THE TRADE DESK INC	COM CL A	88339J105	101,598	1,668	SH		SOLE		170	0	1,498
THERMO FISHER SCIENTIFIC INC	COM	883556102	63,978	111	SH		SOLE		0	0	111
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	2,162	100	SH		SOLE		100	0	0
TRACTOR SUPPLY CO	COM	892356106	64,166	273	SH		SOLE		0	0	273
UBER TECHNOLOGIES INC	COM	90353T100	698	22	SH		SOLE		0	0	22
UNION PAC CORP	COM	907818108	18,114	90	SH		SOLE		90	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	19,399	100	SH		SOLE		100	0	0
UNITED RENTALS INC	COM	911363109	49,470	125	SH		SOLE		0	0	125
UNITEDHEALTH GROUP INC	COM	91324P102	291,123	616	SH		SOLE		457	0	159
US BANCORP DEL	COM NEW	902973304	208,009	5,770	SH		SOLE		5,770	0	0
VANECK MERK GOLD TR	GOLD TRUST	921078101	260,429	13,635	SH		SOLE		0	0	13,635
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	36,429	410	SH		SOLE		0	0	410
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,037,330	12,250	SH		SOLE		10,254	0	1,996
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	796,092	8,966	SH		SOLE		7,140	0	1,826
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	135,388	1,770	SH		SOLE		1,770	0	0
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	38,978	200	SH		SOLE		0	0	200
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	807,799	2,148	SH		SOLE		2,113	0	35
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	368,401	1,805	SH		SOLE		1,805	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,132	28	SH		SOLE		28	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	305	5	SH		SOLE		5	0	0
VANGUARD INTL EQUITY INDEX F	FTSE PACIFIC ETF	922042866	204	3	SH		SOLE		3	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	109,240	1,000	SH		SOLE		1,000	0	0
VANGUARD SCOTTSDALE FDS	TOTAL WLD BD ETF	92206C565	276	4	SH		SOLE		4	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	632,058	4,104	SH		SOLE		1,355	0	2,749
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	742,550	16,439	SH		SOLE		16,028	0	411
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	19,084	259	SH		SOLE		0	0	259
VERIZON COMMUNICATIONS INC	COM	92343V104	8,839	227	SH		SOLE		227	0	0
VERTEX PHARMACEUTICALS INC	COM	92532F100	83,809	266	SH		SOLE		0	0	266
VIATRIS INC	COM	92556V106	655	68	SH		SOLE		68	0	0
VISA INC	COM CL A	92826C839	40,358	179	SH		SOLE		179	0	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	1,800	163	SH		SOLE		163	0	0
WABTEC	COM	929740108	405	4	SH		SOLE		4	0	0
WALMART INC	COM	931142103	69,449	471	SH		SOLE		471	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	2,145	142	SH		SOLE		142	0	0
WASTE MGMT INC DEL	COM	94106L109	10,770	66	SH		SOLE		66	0	0
WELLS FARGO CO NEW	COM	949746101	5,981	160	SH		SOLE		160	0	0
WORKHORSE GROUP INC	COM NEW	98138J206	120	90	SH		SOLE		90	0	0
WORTHINGTON INDS INC	COM	981811102	74,401	1,151	SH		SOLE		1,151	0	0
WP CAREY INC	COM	92936U109	42,056	543	SH		SOLE		543	0	0
YUM BRANDS INC	COM	988498101	66,040	500	SH		SOLE		500	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	28,941	224	SH		SOLE		224	0	0
ZIMVIE INC	COM	98888T107	160	22	SH		SOLE		22	0	0

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