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
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
ALPHABET INC CAP STK CL A 02079K305 538 186 SH   SOLE 0 0 0 186
AMAZON COM INC COM 023135106 962 288 SH   SOLE 0 0 0 288
AMEREN CORP COM 023608102 229 2,573 SH   SOLE 0 0 0 2,573
APPLE INC COM 037833100 3,157 17,773 SH   SOLE 0 0 0 17,773
APPLIED MATLS INC COM 038222105 2,814 17,883 SH   SOLE 0 0 0 17,883
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,315 4,396 SH   SOLE 0 0 0 4,396
BOEING CO COM 097023105 1,038 5,156 SH   SOLE 0 0 0 5,156
FLEXSHARES TR MORNSTAR UPSTR 33939L407 223 5,650 SH   SOLE 0 0 0 5,650
FORTUNE BRANDS HOME & SEC IN COM 34964C106 519 4,877 SH   SOLE 0 0 0 4,877
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 42,780 449,677 SH   SOLE 0 0 0 449,677
HONEYWELL INTL INC COM 438516106 337 1,615 SH   SOLE 0 0 0 1,615
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 3,712 100,896 SH   SOLE 0 0 0 100,896
INVESCO QQQ TR UNIT SER 1 46090E103 15,370 38,611 SH   SOLE 0 0 0 38,611
ISHARES TR COHEN STEER REIT 464287564 283 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR CORE INTL AGGR 46435G672 238 4,336 SH   SOLE 0 0 0 4,336
ISHARES TR CORE MSCI EAFE 46432F842 1,173 15,711 SH   SOLE 0 0 0 15,711
ISHARES TR CORE S&P MCP ETF 464287507 1,039 3,670 SH   SOLE 0 0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 725 6,329 SH   SOLE 0 0 0 6,329
ISHARES TR CORE S&P US GWT 464287671 707 6,110 SH   SOLE 0 0 0 6,110
ISHARES TR CORE S&P500 ETF 464287200 54,301 113,847 SH   SOLE 0 0 0 113,847
ISHARES TR CORE US AGGBD ET 464287226 594 5,234 SH   SOLE 0 0 0 5,234
ISHARES TR EAFE GRWTH ETF 464288885 541 4,918 SH   SOLE 0 0 0 4,918
ISHARES TR EAFE SML CP ETF 464288273 1,990 27,226 SH   SOLE 0 0 0 27,226
ISHARES TR EAFE VALUE ETF 464288877 288 5,676 SH   SOLE 0 0 0 5,676
ISHARES TR RUS 2000 VAL ETF 464287630 6,098 36,722 SH   SOLE 0 0 0 36,722
ISHARES TR S&P 500 GRWT ETF 464287309 19,189 229,361 SH   SOLE 0 0 0 229,361
ISHARES TR S&P 500 VAL ETF 464287408 18,683 119,300 SH   SOLE 0 0 0 119,300
META PLATFORMS INC CL A 30303M102 273 810 SH   SOLE 0 0 0 810
MICROSOFT CORP COM 594918104 1,474 4,384 SH   SOLE 0 0 0 4,384
NICE LTD SPONSORED ADR 653656108 312 1,029 SH   SOLE 0 0 0 1,029
PIMCO ETF TR ACTIVE BD ETF 72201R775 848 7,743 SH   SOLE 0 0 0 7,743
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,147 38,853 SH   SOLE 0 0 0 38,853
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,131 70,497 SH   SOLE 0 0 0 70,497
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,932 43,286 SH   SOLE 0 0 0 43,286
SCHWAB STRATEGIC TR US REIT ETF 808524847 445 8,538 SH   SOLE 0 0 0 8,538
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,567 3,301 SH   SOLE 0 0 0 3,301
SPDR SER TR S&P 600 SMCP GRW 78464A201 230 2,452 SH   SOLE 0 0 0 2,452
UNITEDHEALTH GROUP INC COM 91324P102 1,529 3,046 SH   SOLE 0 0 0 3,046
VANGUARD INDEX FDS GROWTH ETF 922908736 4,156 12,958 SH   SOLE 0 0 0 12,958
VANGUARD INDEX FDS MID CAP ETF 922908629 2,606 10,229 SH   SOLE 0 0 0 10,229
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 233 2,013 SH   SOLE 0 0 0 2,013
VANGUARD INDEX FDS SM CP VAL ETF 922908611 435 2,421 SH   SOLE 0 0 0 2,421
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,119 4,944 SH   SOLE 0 0 0 4,944
VANGUARD INDEX FDS VALUE ETF 922908744 19,624 133,370 SH   SOLE 0 0 0 133,370
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 651 10,625 SH   SOLE 0 0 0 10,625
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 290 5,865 SH   SOLE 0 0 0 5,865
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 534 3,990 SH   SOLE 0 0 0 3,990