# RITTER DANIHER FINANCIAL ADVISORY LLC

> Institutional holdings reported to the SEC as of Q1 2022 on Form 13F. CIK 1844428. Source: https://holderbook.com/funds/1844428-ritter-daniher-financial-advisory-llc/

- Reported value: $145.0M
- Positions: 242
- Weight of the ten largest: 74.5%
- Filed: 2022-05-12

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $31.5M | 69,357 | 21.7% | 6 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $18.0M | 337,258 | 12.4% | 6 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $11.7M | 76,460 | 8.1% | 6 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $10.9M | 40,551 | 7.5% | 6 |
| LCNB CORP | [LCNB](https://holderbook.com/stocks/LCNB/) | $9.9M | 561,459 | 6.8% | 6 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $9.4M | 135,216 | 6.5% | 6 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $6.2M | 57,655 | 4.3% | 6 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $6.0M | 34,314 | 4.1% | 6 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $2.3M | 30,728 | 1.6% | 6 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $2.2M | 16,457 | 1.5% | 6 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $2.0M | 627 | 1.4% | 6 |
| CINTAS CORP | [CTAS](https://holderbook.com/stocks/CTAS/) | $2.0M | 4,794 | 1.4% | 6 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $1.7M | 16,460 | 1.1% | 6 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.3M | 4,265 | 0.9% | 6 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $1.2M | 14,429 | 0.8% | 6 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $1.1M | 14,009 | 0.8% | 6 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $1.1M | 19,690 | 0.7% | 6 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $1.0M | 19,904 | 0.7% | 4 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $1.0M | 19,394 | 0.7% | 6 |
| VANGUARD ADMIRAL FDS INC | [IVOO](https://holderbook.com/stocks/IVOO/) | $905.0K | 4,978 | 0.6% | 6 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $851.0K | 790 | 0.6% | 6 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $804.0K | 1,397 | 0.6% | 6 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $712.0K | 14,815 | 0.5% | 6 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $698.0K | 250 | 0.5% | 6 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $693.0K | 249 | 0.5% | 6 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $686.0K | 3,343 | 0.5% | 6 |
| VANGUARD ADMIRAL FDS INC | [VIOO](https://holderbook.com/stocks/VIOO/) | $669.0K | 3,377 | 0.5% | 6 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $584.0K | 3,584 | 0.4% | 6 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $544.0K | 14,827 | 0.4% | 6 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $537.0K | 1,188 | 0.4% | 6 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $524.0K | 1,263 | 0.4% | 6 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $516.0K | 5,037 | 0.4% | 6 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $489.0K | 5,918 | 0.3% | 6 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $469.0K | 2,058 | 0.3% | 6 |
| BRISTOL-MYERS SQUIBB CO | [BMY](https://holderbook.com/stocks/BMY/) | $446.0K | 6,105 | 0.3% | 6 |
| LINCOLN ELEC HLDGS INC | [LECO](https://holderbook.com/stocks/LECO/) | $413.0K | 3,000 | 0.3% | 6 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $404.0K | 1,144 | 0.3% | 6 |
| FIFTH THIRD BANCORP | [FITB](https://holderbook.com/stocks/FITB/) | $395.0K | 9,168 | 0.3% | 6 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $389.0K | 2,156 | 0.3% | 6 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $375.0K | 3,716 | 0.3% | 6 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $371.0K | 1,300 | 0.3% | 6 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $333.0K | 3,363 | 0.2% | 6 |
| GLOBAL X FDS | [LIT](https://holderbook.com/stocks/LIT/) | $317.0K | 4,123 | 0.2% | 5 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $316.0K | 6,379 | 0.2% | 6 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $311.0K | 2,781 | 0.2% | 6 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $307.0K | 5,770 | 0.2% | 6 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $305.0K | 4,922 | 0.2% | 6 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $301.0K | 1,799 | 0.2% | 6 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $294.0K | 2,141 | 0.2% | 6 |
| T ROWE PRICE EXCHANGE-TRADED | [TGRW](https://holderbook.com/stocks/TGRW/) | $286.0K | 9,819 | 0.2% | 4 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $272.0K | 1,638 | 0.2% | 6 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $260.0K | 3,000 | 0.2% | 6 |
| VANECK MERK GOLD ETF | [OUNZ](https://holderbook.com/stocks/OUNZ/) | $257.0K | 13,635 | 0.2% | 6 |
| ISHARES TR | [IWS](https://holderbook.com/stocks/IWS/) | $247.0K | 2,063 | 0.2% | 6 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $233.0K | 1,495 | 0.2% | 6 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $220.0K | 2,009 | 0.2% | 6 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $197.0K | 1,838 | 0.1% | 6 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $192.0K | 377 | 0.1% | 6 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $184.0K | 3,882 | 0.1% | 6 |
| WP CAREY INC | [WPC](https://holderbook.com/stocks/WPC/) | $184.0K | 2,278 | 0.1% | 6 |
| LULULEMON ATHLETICA INC | [LULU](https://holderbook.com/stocks/LULU/) | $179.0K | 490 | 0.1% | 6 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $174.0K | 2,293 | 0.1% | 6 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $172.0K | 1,382 | 0.1% | 6 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $163.0K | 4,350 | 0.1% | 6 |
| INVESCO EXCH TRADED FD TR II | [SPLV](https://holderbook.com/stocks/SPLV/) | $155.0K | 2,305 | 0.1% | 3 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $154.0K | 739 | 0.1% | 1 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $148.0K | 911 | 0.1% | 6 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $147.0K | 828 | 0.1% | 6 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $143.0K | 524 | 0.1% | 3 |
| ROYAL CARIBBEAN GROUP | [RCL](https://holderbook.com/stocks/RCL/) | $143.0K | 1,710 | 0.1% | 6 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $141.0K | 3,118 | 0.1% | 6 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $138.0K | 1,770 | 0.1% | 6 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $137.0K | 3,319 | 0.1% | 6 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $137.0K | 1,071 | 0.1% | 6 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $134.0K | 1,752 | 0.1% | 6 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $134.0K | 1,072 | 0.1% | 6 |
| KROGER CO | [KR](https://holderbook.com/stocks/KR/) | $133.0K | 2,326 | 0.1% | 6 |
| GLOBAL X FDS | [GXDW](https://holderbook.com/stocks/GXDW/) | $131.0K | 3,503 | 0.1% | 5 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $127.0K | 980 | 0.1% | 6 |
| PNC FINL SVCS GROUP INC | [PNC](https://holderbook.com/stocks/PNC/) | $118.0K | 641 | 0.1% | 6 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $115.0K | 708 | 0.1% | 6 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $115.0K | 1,105 | 0.1% | 6 |
| ELEVANCE HEALTH INC FORMERLY | [ELV](https://holderbook.com/stocks/ELV/) | $99.0K | 202 | 0.1% | 6 |
| ENBRIDGE INC | [ENB](https://holderbook.com/stocks/ENB/) | $97.0K | 2,094 | 0.1% | 6 |
| INVESCO EXCHANGE TRADED FD T | [PHO](https://holderbook.com/stocks/PHO/) | $93.0K | 1,750 | 0.1% | 6 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $91.0K | 251 | 0.1% | 6 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $91.0K | 317 | 0.1% | 4 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $88.0K | 1,892 | 0.1% | 4 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $85.0K | 285 | 0.1% | 6 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $85.0K | 907 | 0.1% | 1 |
| ACCENTURE PLC IRELAND | [ACN](https://holderbook.com/stocks/ACN/) | $84.0K | 248 | 0.1% | 4 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $82.0K | 850 | 0.1% | 6 |
| CANADIAN NATL RY CO | [CNI](https://holderbook.com/stocks/CNI/) | $80.0K | 600 | 0.1% | 6 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $77.0K | 277 | 0.1% | 6 |
| BLACKSTONE INC | [BX](https://holderbook.com/stocks/BX/) | $76.0K | 600 | 0.1% | 1 |
| L3HARRIS TECHNOLOGIES INC | [LHX](https://holderbook.com/stocks/LHX/) | $74.0K | 299 | 0.1% | 6 |
| GLOBAL X FDS | [CTEC](https://holderbook.com/stocks/CTEC/) | $73.0K | 4,372 | 0.1% | 5 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $70.0K | 283 | 0.0% | 6 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $70.0K | 470 | 0.0% | 6 |
| ALCOA CORP | [AA](https://holderbook.com/stocks/AA/) | $66.0K | 733 | 0.0% | 6 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q1 2022 | -5.1% | -4.9% | -0.2% | 100% |
| Q4 2021 | +9.7% | +10.7% | -1.0% | 100% |
| Q3 2021 | +0.5% | +0.3% | +0.2% | 100% |
| Q2 2021 | +4.6% | +8.0% | -3.4% | 100% |
| Q1 2021 | +6.9% | +6.0% | +0.9% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q1 2022 | $145.0M | 242 |
| Q4 2021 | $149.9M | 233 |
| Q3 2021 | $136.7M | 209 |
| Q2 2021 | $134.4M | 204 |
| Q1 2021 | $125.0M | 192 |
| Q4 2020 | $115.1M | 185 |