Ritter Daniher Financial Advisory LLC / DE 13FHR Quarterly holdings report by institutional manager | SEC 9 Nov 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

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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	16,384	175	SH		SOLE		175	0	0
ABBOTT LABS	COM	002824100	2,906	30	SH		SOLE		30	0	0
ABBVIE INC	COM	00287Y109	112,988	758	SH		SOLE		300	0	458
ACADIA PHARMACEUTICALS INC	COM	004225108	1,313	63	SH		SOLE		63	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	86,913	283	SH		SOLE		283	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	9,363	100	SH		SOLE		100	0	0
ADOBE INC	COM	00724F101	115,238	226	SH		SOLE		0	0	226
ADVANCED MICRO DEVICES INC	COM	007903107	20,462	199	SH		SOLE		179	0	20
AIRBNB INC	COM CL A	009066101	3,431	25	SH		SOLE		25	0	0
ALCOA CORP	COM	013872106	21,301	733	SH		SOLE		733	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	21,946	253	SH		SOLE		253	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,118,853	8,550	SH		SOLE		5,420	0	3,130
ALPHABET INC	CAP STK CL C	02079K107	576,185	4,370	SH		SOLE		3,966	0	404
ALTRIA GROUP INC	COM	02209S103	63,075	1,500	SH		SOLE		1,500	0	0
AMAZON COM INC	COM	023135106	2,080,581	16,367	SH		SOLE		14,579	0	1,788
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	16,917,491	320,468	SH		SOLE		266,397	0	54,071
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	746,643	15,509	SH		SOLE		15,116	0	393
AMERICAN ELEC PWR CO INC	COM	025537101	9,027	120	SH		SOLE		120	0	0
AMERICAN EXPRESS CO	COM	025816109	48,487	325	SH		SOLE		0	0	325
AMERICAN FINL GROUP INC OHIO	COM	025932104	20,321	182	SH		SOLE		182	0	0
AMGEN INC	COM	031162100	7,153	27	SH		SOLE		27	0	0
AON PLC	SHS CL A	G0403H108	22,696	70	SH		SOLE		70	0	0
APPLE INC	COM	037833100	6,603,214	38,568	SH		SOLE		33,212	0	5,356
ARCHER DANIELS MIDLAND CO	COM	039483102	3,771	50	SH		SOLE		50	0	0
ARISTA NETWORKS INC	COM	040413106	12,876	70	SH		SOLE		70	0	0
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,889	36	SH		SOLE		36	0	0
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,421	51	SH		SOLE		51	0	0
ARK ETF TR	INNOVATION ETF	00214Q104	1,032	26	SH		SOLE		26	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	55,923	95	SH		SOLE		15	0	80
AT&T INC	COM	00206R102	153,986	10,252	SH		SOLE		2,252	0	8,000
ATLASSIAN CORPORATION	CL A	049468101	12,091	60	SH		SOLE		60	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	53,169	221	SH		SOLE		221	0	0
AXON ENTERPRISE INC	COM	05464C101	9,950	50	SH		SOLE		50	0	0
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	4,210	1,000	SH		SOLE		0	0	1,000
BANK AMERICA CORP	COM	060505104	124,689	4,554	SH		SOLE		2,544	0	2,010
BLACKSTONE INC	COM	09260D107	138,900	1,296	SH		SOLE		1,296	0	0
BOSTON BEER INC	CL A	100557107	3,117	8	SH		SOLE		8	0	0
BP PLC	SPONSORED ADR	055622104	13,669	353	SH		SOLE		353	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	354,359	6,105	SH		SOLE		4,685	0	1,420
BROADCOM INC	COM	11135F101	210,968	254	SH		SOLE		156	0	98
CADENCE DESIGN SYSTEM INC	COM	127387108	15,230	65	SH		SOLE		65	0	0
CANADIAN IMPERIAL BK COMM TO	COM	136069101	7,722	200	SH		SOLE		200	0	0
CANADIAN NATL RY CO	COM	136375102	64,998	600	SH		SOLE		600	0	0
CARNIVAL CORP	COMMON STOCK	143658300	5,488	400	SH		SOLE		400	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	11,040	200	SH		SOLE		200	0	0
CENOVUS ENERGY INC	COM	15135U109	5,205	250	SH		SOLE		250	0	0
CHEMOURS CO	COM	163851108	9,678	345	SH		SOLE		345	0	0
CHENIERE ENERGY INC	COM NEW	16411R208	49,623	299	SH		SOLE		0	0	299
CHEVRON CORP NEW	COM	166764100	686,811	4,073	SH		SOLE		3,170	0	903
CINCINNATI FINL CORP	COM	172062101	43,985	430	SH		SOLE		430	0	0
CINTAS CORP	COM	172908105	2,264,596	4,708	SH		SOLE		4,708	0	0
CISCO SYS INC	COM	17275R102	8,925	166	SH		SOLE		166	0	0
CLOROX CO DEL	COM	189054109	13,106	100	SH		SOLE		100	0	0
COCA COLA CO	COM	191216100	284,771	5,087	SH		SOLE		3,287	0	1,800
COINBASE GLOBAL INC	COM CL A	19260Q107	8,034	107	SH		SOLE		107	0	0
COLGATE PALMOLIVE CO	COM	194162103	10,667	150	SH		SOLE		150	0	0
COMERICA INC	COM	200340107	46,204	1,112	SH		SOLE		1,112	0	0
CONCENTRIX CORP	COM	20602D101	962	12	SH		SOLE		12	0	0
CONOCOPHILLIPS	COM	20825C104	77,870	650	SH		SOLE		650	0	0
CONSOLIDATED EDISON INC	COM	209115104	21,383	250	SH		SOLE		250	0	0
COPART INC	COM	217204106	16,892	392	SH		SOLE		392	0	0
CORNING INC	COM	219350105	3,047	100	SH		SOLE		100	0	0
CORTEVA INC	COM	22052L104	39,905	780	SH		SOLE		780	0	0
COSTCO WHSL CORP NEW	COM	22160K105	956,573	1,693	SH		SOLE		1,238	0	455
CRESTWOOD EQUITY PARTNERS LP	UNIT LTD PARTNER	226344208	2,925	100	SH		SOLE		100	0	0
CSX CORP	COM	126408103	133,763	4,350	SH		SOLE		4,350	0	0
CVS HEALTH CORP	COM	126650100	6,988	100	SH		SOLE		100	0	0
DANAHER CORPORATION	COM	235851102	497	2	SH		SOLE		2	0	0
DECKERS OUTDOOR CORP	COM	243537107	41,642	81	SH		SOLE		51	0	30
DEERE & CO	COM	244199105	65,287	173	SH		SOLE		15	0	158
DELTA AIR LINES INC DEL	COM NEW	247361702	5,934	160	SH		SOLE		160	0	0
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	170,100	5,000	SH		SOLE		5,000	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	110,229	2,100	SH		SOLE		2,100	0	0
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	69,312	1,517	SH		SOLE		1,517	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	55,737	2,475	SH		SOLE		2,475	0	0
DISNEY WALT CO	COM	254687106	76,841	948	SH		SOLE		942	0	6
DOMINION ENERGY INC	COM	25746U109	2,770	62	SH		SOLE		62	0	0
DOW INC	COM	260557103	40,114	778	SH		SOLE		778	0	0
DT MIDSTREAM INC	COMMON STOCK	23345M107	1,800	34	SH		SOLE		0	0	34
DTE ENERGY CO	COM	233331107	6,927	70	SH		SOLE		0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	234,910	2,662	SH		SOLE		1,770	0	892
DUPONT DE NEMOURS INC	COM	26614N102	58,255	781	SH		SOLE		781	0	0
DXC TECHNOLOGY CO	COM	23355L106	3,375	162	SH		SOLE		162	0	0
EA SERIES TRUST	FREEDOM 100 EM	02072L607	16,873	596	SH		SOLE		596	0	0
ELEVANCE HEALTH INC	COM	036752103	87,955	202	SH		SOLE		202	0	0
ELI LILLY & CO	COM	532457108	604,809	1,126	SH		SOLE		606	0	520
EMERSON ELEC CO	COM	291011104	19,314	200	SH		SOLE		200	0	0
ENBRIDGE INC	COM	29250N105	41,892	1,249	SH		SOLE		467	0	782
ENCORE ENERGY CORP	COM NEW	29259W700	558	166	SH		SOLE		166	0	0
ENTERGY CORP NEW	COM	29364G103	5,088	55	SH		SOLE		55	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	6,159	225	SH		SOLE		225	0	0
ETF MANAGERS TR	ETFMG ALTR HRVST	26924G508	468	128	SH		SOLE		128	0	0
EVERGY INC	COM	30034W106	6,034	119	SH		SOLE		119	0	0
EVERSOURCE ENERGY	COM	30040W108	17,445	300	SH		SOLE		300	0	0
EVERSPIN TECHNOLOGIES INC	COM	30041T104	2,458	250	SH		SOLE		250	0	0
EXXON MOBIL CORP	COM	30231G102	801,779	6,819	SH		SOLE		5,819	0	1,000
FAIR ISAAC CORP	COM	303250104	7,817	9	SH		SOLE		9	0	0
FIFTH THIRD BANCORP	COM	316773100	265,130	10,467	SH		SOLE		8,523	0	1,944
FIRST BANCSHARES INC MS	COM	318916103	5,448	202	SH		SOLE		202	0	0
FIRST TR EXCHANGE TRADED FD	INDXX GLOBAL AGR	33734X812	2,598	100	SH		SOLE		100	0	0
FORD MTR CO DEL	COM	345370860	6,612	532	SH		SOLE		532	0	0
FOX CORP	CL B COM	35137L204	2,888	100	SH		SOLE		100	0	0
GAMESTOP CORP NEW	CL A	36467W109	198	12	SH		SOLE		12	0	0
GARTNER INC	COM	366651107	88,995	259	SH		SOLE		0	0	259
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	5,648	83	SH		SOLE		67	0	16
GENERAL ELECTRIC CO	COM NEW	369604301	28,547	258	SH		SOLE		206	0	52
GENUINE PARTS CO	COM	372460105	17,470	121	SH		SOLE		121	0	0
GINKGO BIOWORKS HOLDINGS INC	CL A SHS	37611X100	905	500	SH		SOLE		500	0	0
GLADSTONE LD CORP	COM	376549101	15,141	1,064	SH		SOLE		1,064	0	0
GLOBAL X FDS	AUTONMOUS EV ETF	37954Y624	46,980	2,000	SH		SOLE		2,000	0	0
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	2,519	177	SH		SOLE		0	0	177
GLOBAL X FDS	CLEANTECH ETF	37954Y228	1,335	122	SH		SOLE		122	0	0
GLOBAL X FDS	FINTECH ETF	37954Y814	2,619	130	SH		SOLE		130	0	0
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	804	79	SH		SOLE		79	0	0
GLOBAL X FDS	GLB X MLP ENRG I	37954Y293	9,537	225	SH		SOLE		225	0	0
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	2,596	96	SH		SOLE		0	0	96
GLOBAL X FDS	GREEN BUILDNG ET	37960A842	1,023	50	SH		SOLE		50	0	0
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	236,404	4,285	SH		SOLE		4,123	0	162
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	12,840	1,284	SH		SOLE		1,138	0	146
GLOBAL X FDS	SOLAR ETF	37960A701	7,844	581	SH		SOLE		581	0	0
GLOBAL X FDS	TELMDC&DIG ETF	37954Y285	1,836	200	SH		SOLE		200	0	0
GLOBAL X FDS	THMATC GWT ETF	37954Y418	4,465	190	SH		SOLE		80	0	110
GLOBAL X FDS	US INFR DEV ETF	37954Y673	3,798	125	SH		SOLE		125	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	32,934	1,896	SH		SOLE		1,896	0	0
HOME DEPOT INC	COM	437076102	237,800	787	SH		SOLE		583	0	204
HORMEL FOODS CORP	COM	440452100	11,409	300	SH		SOLE		300	0	0
HP INC	COM	40434L105	48,728	1,896	SH		SOLE		1,896	0	0
HUMANA INC	COM	444859102	43,787	90	SH		SOLE		90	0	0
HUNTINGTON BANCSHARES INC	COM	446150104	54,205	5,212	SH		SOLE		5,212	0	0
ILLINOIS TOOL WKS INC	COM	452308109	42,608	185	SH		SOLE		185	0	0
INFOSYS LTD	SPONSORED ADR	456788108	3,422	200	SH		SOLE		200	0	0
INOTIV INC	COM	45783Q100	1,540	500	SH		SOLE		500	0	0
INTEL CORP	COM	458140100	114,329	3,216	SH		SOLE		916	0	2,300
INTERNATIONAL BUSINESS MACHS	COM	459200101	137,523	980	SH		SOLE		980	0	0
INTERNATIONAL SEAWAYS INC	COM	Y41053102	1,125	25	SH		SOLE		25	0	0
INTUIT	COM	461202103	2,044	4	SH		SOLE		0	0	4
INTUITIVE SURGICAL INC	COM NEW	46120E602	170,406	583	SH		SOLE		167	0	416
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,992	200	SH		SOLE		0	0	200
INVESCO EXCH TRADED FD TR II	GLOBAL WATER	46138E651	3,378	100	SH		SOLE		100	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	119,521	1,705	SH		SOLE		1,705	0	0
INVESCO EXCH TRD SLF IDX FD	RUSL 1000 DYNM	46138J619	86,546	1,888	SH		SOLE		1,888	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	5,251	165	SH		SOLE		165	0	0
INVESCO EXCHANGE TRADED FD T	PHARMACEUTICALS	46137V662	24,171	334	SH		SOLE		334	0	0
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	234,577	4,411	SH		SOLE		4,411	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	116,899	326	SH		SOLE		58	0	268
ISHARES INC	CORE MSCI EMKT	46434G103	61,963	1,302	SH		SOLE		1,302	0	0
ISHARES INC	MSCI AUST ETF	464286103	6,453	300	SH		SOLE		0	0	300
ISHARES TR	0-3 MNTH TREASRY	46436E718	117,281	1,165	SH		SOLE		1,165	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	62,590	773	SH		SOLE		0	0	773
ISHARES TR	CORE DIV GRWTH	46434V621	24,905,216	502,818	SH		SOLE		410,422	0	92,396
ISHARES TR	CORE MSCI EAFE	46432F842	21,226,414	329,859	SH		SOLE		275,056	0	54,803
ISHARES TR	CORE S&P MCP ETF	464287507	20,559,323	82,450	SH		SOLE		68,276	0	14,174
ISHARES TR	CORE S&P SCP ETF	464287804	14,626,717	155,057	SH		SOLE		128,860	0	26,197
ISHARES TR	CORE S&P TTL STK	464287150	212,692	2,258	SH		SOLE		1,139	0	1,119
ISHARES TR	CORE S&P500 ETF	464287200	55,009,000	128,096	SH		SOLE		108,642	0	19,454
ISHARES TR	CORE US AGGBD ET	464287226	173,598	1,846	SH		SOLE		1,846	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	874,737	10,136	SH		SOLE		7,116	0	3,020
ISHARES TR	EAFE SML CP ETF	464288273	17,732	314	SH		SOLE		314	0	0
ISHARES TR	EAFE VALUE ETF	464288877	649,399	13,272	SH		SOLE		11,397	0	1,875
ISHARES TR	EXPANDED TECH	464287515	6,143	18	SH		SOLE		18	0	0
ISHARES TR	EXPONENTIAL TECH	46434V381	6,527	125	SH		SOLE		125	0	0
ISHARES TR	GL CLEAN ENE ETF	464288224	731	50	SH		SOLE		50	0	0
ISHARES TR	GRWT ALLOCAT ETF	464289867	248	5	SH		SOLE		5	0	0
ISHARES TR	INTL DIV GRWTH	46435G524	1,305	22	SH		SOLE		22	0	0
ISHARES TR	ISHARES SEMICDTR	464287523	2,842	6	SH		SOLE		6	0	0
ISHARES TR	MSCI EAFE ETF	464287465	818,813	11,881	SH		SOLE		9,799	0	2,082
ISHARES TR	MSCI EAFE MIN VL	46429B689	109,896	1,685	SH		SOLE		1,685	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	131,687	3,470	SH		SOLE		2,400	0	1,070
ISHARES TR	MSCI KLD400 SOC	464288570	244,230	3,000	SH		SOLE		3,000	0	0
ISHARES TR	MSCI POLAND ETF	46429B606	4,278	250	SH		SOLE		250	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	13,318	184	SH		SOLE		184	0	0
ISHARES TR	RUS 1000 ETF	464287622	60,372	257	SH		SOLE		257	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	137,517	517	SH		SOLE		517	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	270,744	1,783	SH		SOLE		1,626	0	157
ISHARES TR	RUS 2000 VAL ETF	464287630	10,589	78	SH		SOLE		0	0	78
ISHARES TR	RUS MD CP GR ETF	464287481	1,236,057	13,531	SH		SOLE		10,571	0	2,960
ISHARES TR	RUS MDCP VAL ETF	464287473	207,428	1,988	SH		SOLE		1,988	0	0
ISHARES TR	RUS MID CAP ETF	464287499	906,968	13,097	SH		SOLE		12,907	0	190
ISHARES TR	RUSSELL 2000 ETF	464287655	534,992	3,027	SH		SOLE		2,803	0	224
ISHARES TR	S&P 100 ETF	464287101	89,285	445	SH		SOLE		445	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	706,622	10,322	SH		SOLE		4,943	0	5,379
ISHARES TR	S&P 500 VAL ETF	464287408	513,099	3,332	SH		SOLE		785	0	2,547
ISHARES TR	S&P MC 400GR ETF	464287606	624,299	8,642	SH		SOLE		5,903	0	2,739
ISHARES TR	S&P MC 400VL ETF	464287705	602,805	5,971	SH		SOLE		2,369	0	3,602
ISHARES TR	S&P SML 600 GWT	464287887	674,203	6,147	SH		SOLE		2,181	0	3,966
ISHARES TR	SELECT DIVID ETF	464287168	115,273	1,071	SH		SOLE		954	0	117
ISHARES TR	SP SMCP600VL ETF	464287879	580,287	6,504	SH		SOLE		4,379	0	2,125
ISHARES TR	TIPS BD ETF	464287176	25,051	242	SH		SOLE		0	0	242
ISHARES TR	US AER DEF ETF	464288760	10,597	100	SH		SOLE		100	0	0
ISHARES TR	US CONSUM DISCRE	464287580	12,721	190	SH		SOLE		190	0	0
ISHARES TR	US HLTHCARE ETF	464287762	41,321	153	SH		SOLE		153	0	0
ISHARES TR	US TELECOM ETF	464287713	363	17	SH		SOLE		17	0	0
ISHARES U S ETF TR	GOLD STRATEGY	46431W614	17,852	323	SH		SOLE		323	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	5,626,154	105,044	SH		SOLE		85,377	0	19,667
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	36,371	775	SH		SOLE		775	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	137,644	2,743	SH		SOLE		2,135	0	608
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	2,830,195	56,099	SH		SOLE		42,469	0	13,630
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	387,977	8,199	SH		SOLE		8,199	0	0
JOHNSON & JOHNSON	COM	478160104	156,218	1,003	SH		SOLE		1,003	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,630,385	18,138	SH		SOLE		15,327	0	2,811
KEURIG DR PEPPER INC	COM	49271V100	7,104	225	SH		SOLE		225	0	0
KEYCORP	COM	493267108	1,345	125	SH		SOLE		125	0	0
KLA CORP	COM NEW	482480100	91,732	200	SH		SOLE		200	0	0
KRAFT HEINZ CO	COM	500754106	6,728	200	SH		SOLE		200	0	0
KROGER CO	COM	501044101	444,413	9,931	SH		SOLE		9,931	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	9,229	53	SH		SOLE		53	0	0
LAMB WESTON HLDGS INC	COM	513272104	3,791	41	SH		SOLE		41	0	0
LCNB CORP	COM	50181P100	8,010,593	561,359	SH		SOLE		318,128	0	243,231
LEIDOS HOLDINGS INC	COM	525327102	43,869	476	SH		SOLE		476	0	0
LINCOLN ELEC HLDGS INC	COM	533900106	527,191	2,900	SH		SOLE		0	0	2,900
LINDE PLC	SHS	G54950103	47,661	128	SH		SOLE		128	0	0
LITHIUM AMERS CORP NEW	COM NEW	53680Q207	2,552	150	SH		SOLE		150	0	0
LOWES COS INC	COM	548661107	26,604	128	SH		SOLE		128	0	0
LUCID GROUP INC	COM	549498103	1,258	225	SH		SOLE		225	0	0
LULULEMON ATHLETICA INC	COM	550021109	192,420	499	SH		SOLE		499	0	0
MARATHON OIL CORP	COM	565849106	13,135	491	SH		SOLE		491	0	0
MARATHON PETE CORP	COM	56585A102	757	5	SH		SOLE		5	0	0
MARKEL GROUP INC	COM	570535104	29,450	20	SH		SOLE		12	0	8
MARSH & MCLENNAN COS INC	COM	571748102	9,515	50	SH		SOLE		50	0	0
MARVELL TECHNOLOGY INC	COM	573874104	3,166	58	SH		SOLE		58	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	130,651	330	SH		SOLE		66	0	264
MATTEL INC	COM	577081102	4,340	197	SH		SOLE		197	0	0
MCDONALDS CORP	COM	580135101	133,038	505	SH		SOLE		505	0	0
MCKESSON CORP	COM	58155Q103	75,664	174	SH		SOLE		0	0	174
MEDTRONIC PLC	SHS	G5960L103	13,322	170	SH		SOLE		170	0	0
MERCADOLIBRE INC	COM	58733R102	10,144	8	SH		SOLE		8	0	0
MERCK & CO INC	COM	58933Y105	50,652	492	SH		SOLE		492	0	0
META PLATFORMS INC	CL A	30303M102	141,099	470	SH		SOLE		170	0	300
MICRON TECHNOLOGY INC	COM	595112103	2,041	30	SH		SOLE		30	0	0
MICROSOFT CORP	COM	594918104	2,186,403	6,924	SH		SOLE		5,628	0	1,296
MODERNA INC	COM	60770K107	2	0	SH		SOLE		0	0	0
MONDELEZ INTL INC	CL A	609207105	26,164	377	SH		SOLE		377	0	0
NETFLIX INC	COM	64110L106	153,312	406	SH		SOLE		154	0	252
NEW FOUND GOLD CORP	COM	64440N103	2,085	500	SH		SOLE		500	0	0
NEWMONT CORP	COM	651639106	1,848	50	SH		SOLE		50	0	0
NEXTERA ENERGY INC	COM	65339F101	755,374	13,185	SH		SOLE		7,307	0	5,878
NIKE INC	CL B	654106103	11,953	125	SH		SOLE		125	0	0
NIO INC	SPON ADS	62914V106	10,541	1,166	SH		SOLE		1,166	0	0
NORFOLK SOUTHN CORP	COM	655844108	236,316	1,200	SH		SOLE		550	0	650
NOVO-NORDISK A S	ADR	670100205	31,829	350	SH		SOLE		0	0	350
NU HLDGS LTD	ORD SHS CL A	G6683N103	3,625	500	SH		SOLE		0	0	500
NUCOR CORP	COM	670346105	62,540	400	SH		SOLE		400	0	0
NVIDIA CORPORATION	COM	67066G104	276,224	635	SH		SOLE		632	0	3
OCCIDENTAL PETE CORP	COM	674599105	130,783	2,016	SH		SOLE		2,016	0	0
OLD REP INTL CORP	COM	680223104	20,205	750	SH		SOLE		0	0	750
OMEGA HEALTHCARE INVS INC	COM	681936100	3,316	100	SH		SOLE		100	0	0
ON SEMICONDUCTOR CORP	COM	682189105	143,143	1,540	SH		SOLE		210	0	1,330
ONEOK INC NEW	COM	682680103	4,187	66	SH		SOLE		66	0	0
ORACLE CORP	COM	68389X105	25,739	243	SH		SOLE		226	0	17
OREILLY AUTOMOTIVE INC	COM	67103H107	139,965	154	SH		SOLE		21	0	133
PAYPAL HLDGS INC	COM	70450Y103	585	10	SH		SOLE		10	0	0
PEPSICO INC	COM	713448108	400,218	2,362	SH		SOLE		2,362	0	0
PFIZER INC	COM	717081103	639,153	19,269	SH		SOLE		15,106	0	4,163
PHILIP MORRIS INTL INC	COM	718172109	70,361	760	SH		SOLE		760	0	0
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	1,094,791	11,679	SH		SOLE		10,099	0	1,580
PIONEER NAT RES CO	COM	723787107	919	4	SH		SOLE		4	0	0
PNC FINL SVCS GROUP INC	COM	693475105	92,937	757	SH		SOLE		757	0	0
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	8,433	117	SH		SOLE		0	0	117
PROCTER AND GAMBLE CO	COM	742718109	10,801,073	74,051	SH		SOLE		62,654	0	11,397
PROLOGIS INC.	COM	74340W103	8,304	74	SH		SOLE		74	0	0
PRUDENTIAL FINL INC	COM	744320102	39,095	412	SH		SOLE		412	0	0
QUALCOMM INC	COM	747525103	2,777	25	SH		SOLE		25	0	0
QUANTA SVCS INC	COM	74762E102	163,500	874	SH		SOLE		69	0	805
REGENERON PHARMACEUTICALS	COM	75886F107	47,732	58	SH		SOLE		0	0	58
RIOT PLATFORMS INC	COM	767292105	467	50	SH		SOLE		50	0	0
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	10,611	437	SH		SOLE		437	0	0
ROYAL BK CDA	COM	780087102	17,488	200	SH		SOLE		0	0	200
ROYAL CARIBBEAN GROUP	COM	V7780T103	286,740	3,112	SH		SOLE		3,112	0	0
RTX CORPORATION	COM	75513E101	188,922	2,625	SH		SOLE		291	0	2,334
SALESFORCE INC	COM	79466L302	2,637	13	SH		SOLE		0	0	13
SCHNITZER STEEL INDS INC	CL A	806882106	8,355	300	SH		SOLE		300	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	8,140	340	SH		SOLE		340	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	136,042	4,006	SH		SOLE		2,374	0	1,632
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	100	2	SH		SOLE		2	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	22,997	325	SH		SOLE		325	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	29,307	403	SH		SOLE		403	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	26,816	416	SH		SOLE		416	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	819,214	16,190	SH		SOLE		10,152	0	6,038
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	118,644	1,753	SH		SOLE		449	0	1,304
SCHWAB STRATEGIC TR	US REIT ETF	808524847	410	23	SH		SOLE		23	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	80,521	1,944	SH		SOLE		1,456	0	488
SELECT SECTOR SPDR TR	ENERGY	81369Y506	4,520	50	SH		SOLE		50	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	2,488	75	SH		SOLE		75	0	0
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	2,045	60	SH		SOLE		60	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	14,033	109	SH		SOLE		109	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	10,608	180	SH		SOLE		180	0	0
SEMPRA	COM	816851109	61,227	900	SH		SOLE		900	0	0
SERVICENOW INC	COM	81762P102	24,036	43	SH		SOLE		43	0	0
SHOPIFY INC	CL A	82509L107	20,028	367	SH		SOLE		367	0	0
SKYWATER TECHNOLOGY INC	COM	83089J108	753	125	SH		SOLE		125	0	0
SMUCKER J M CO	COM NEW	832696405	44,863	365	SH		SOLE		365	0	0
SOUTHERN CO	COM	842587107	22,652	350	SH		SOLE		350	0	0
SPDR GOLD TR	GOLD SHS	78463V107	361,074	2,106	SH		SOLE		1,680	0	426
SPDR S&P 500 ETF TR	TR UNIT	78462F103	575,389	1,346	SH		SOLE		1,346	0	0
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	525	12	SH		SOLE		12	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	4,486	39	SH		SOLE		39	0	0
SPDR SER TR	S&P METALS MNG	78464A755	3,938	75	SH		SOLE		75	0	0
STAG INDL INC	COM	85254J102	5,177	150	SH		SOLE		150	0	0
STARBUCKS CORP	COM	855244109	63,251	693	SH		SOLE		693	0	0
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	318,440	11,783	SH		SOLE		11,783	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	96,025	1,105	SH		SOLE		1,105	0	0
TARGET CORP	COM	87612E106	24,879	225	SH		SOLE		225	0	0
TD SYNNEX CORPORATION	COM	87162W100	1,199	12	SH		SOLE		12	0	0
TESLA INC	COM	88160R101	751,161	3,002	SH		SOLE		2,747	0	255
TEXAS ROADHOUSE INC	COM	882681109	2,610	27	SH		SOLE		27	0	0
THE TRADE DESK INC	COM CL A	88339J105	163,256	2,089	SH		SOLE		593	0	1,496
THERMO FISHER SCIENTIFIC INC	COM	883556102	56,185	111	SH		SOLE		0	0	111
TIDAL ETF TR	FOLIOBEYOND ALTE	886364637	19,238	576	SH		SOLE		576	0	0
TIDAL ETF TR	UNLIMITED HFND	886364439	1,114	55	SH		SOLE		55	0	0
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	1,384	100	SH		SOLE		100	0	0
TRACTOR SUPPLY CO	COM	892356106	55,433	273	SH		SOLE		0	0	273
UBER TECHNOLOGIES INC	COM	90353T100	26,767	582	SH		SOLE		560	0	22
UNION PAC CORP	COM	907818108	18,327	90	SH		SOLE		90	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	15,587	100	SH		SOLE		100	0	0
UNITED RENTALS INC	COM	911363109	55,572	125	SH		SOLE		0	0	125
UNITED THERAPEUTICS CORP DEL	COM	91307C102	2,259	10	SH		SOLE		10	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	411,428	816	SH		SOLE		657	0	159
US BANCORP DEL	COM NEW	902973304	180,839	5,470	SH		SOLE		5,470	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	725	5	SH		SOLE		5	0	0
VANECK MERK GOLD TR	GOLD TRUST	921078101	243,931	13,635	SH		SOLE		0	0	13,635
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	37,023	410	SH		SOLE		0	0	410
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	934,376	11,050	SH		SOLE		9,054	0	1,996
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	717,205	8,206	SH		SOLE		6,380	0	1,826
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	115,011	1,530	SH		SOLE		1,530	0	0
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	38,954	200	SH		SOLE		0	0	200
VANGUARD INDEX FDS	MID CAP ETF	922908629	17,701	85	SH		SOLE		85	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	838,415	2,135	SH		SOLE		2,104	0	31
VANGUARD INDEX FDS	SMALL CP ETF	922908751	17,773	94	SH		SOLE		94	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	411,226	1,936	SH		SOLE		1,936	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	902	23	SH		SOLE		23	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	58	1	SH		SOLE		1	0	0
VANGUARD INTL EQUITY INDEX F	FTSE PACIFIC ETF	922042866	67	1	SH		SOLE		1	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	106,200	1,000	SH		SOLE		1,000	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	18,412	245	SH		SOLE		245	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	852,726	5,488	SH		SOLE		2,739	0	2,749
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	730,037	16,698	SH		SOLE		16,302	0	396
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	18,475	259	SH		SOLE		0	0	259
VERIZON COMMUNICATIONS INC	COM	92343V104	7,639	236	SH		SOLE		236	0	0
VERTEX PHARMACEUTICALS INC	COM	92532F100	156,483	450	SH		SOLE		184	0	266
VIATRIS INC	COM	92556V106	671	68	SH		SOLE		68	0	0
VICI PPTYS INC	COM	925652109	9,603	330	SH		SOLE		330	0	0
VISA INC	COM CL A	92826C839	41,172	179	SH		SOLE		179	0	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	1,546	163	SH		SOLE		163	0	0
WABTEC	COM	929740108	638	6	SH		SOLE		6	0	0
WALKER & DUNLOP INC	COM	93148P102	9,652	130	SH		SOLE		130	0	0
WALMART INC	COM	931142103	80,925	506	SH		SOLE		506	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	5,908	544	SH		SOLE		544	0	0
WASTE MGMT INC DEL	COM	94106L109	10,062	66	SH		SOLE		66	0	0
WELLS FARGO CO NEW	COM	949746101	6,538	160	SH		SOLE		160	0	0
WESTERN DIGITAL CORP.	COM	958102105	22,815	500	SH		SOLE		500	0	0
WORTHINGTON INDS INC	COM	981811102	71,144	1,151	SH		SOLE		1,151	0	0
WP CAREY INC	COM	92936U109	29,366	543	SH		SOLE		543	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	25,138	224	SH		SOLE		224	0	0
ZIMVIE INC	COM	98888T107	208	22	SH		SOLE		22	0	0

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