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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMEREN CORP COM 023608102 BBG001S5NF24 297,291 3,441 SH   SOLE   0 0 3,441
APPLE INC COM 037833100 BBG001S5N8V8 1,128,878 6,846 SH   SOLE   0 0 6,846
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 485,387 1,572 SH   SOLE   0 0 1,572
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 242,423 8,962 SH   SOLE   0 0 8,962
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 260,193 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 294,166 2,244 SH   SOLE   0 0 2,244
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 285,949 891 SH   SOLE   0 0 891
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 19,342,656 396,447 SH   SOLE   0 0 396,447
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 292,670 4,378 SH   SOLE   0 0 4,378
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 20,620,131 82,428 SH   SOLE   0 0 82,428
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 253,161 2,618 SH   SOLE   0 0 2,618
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,524,454 11,006 SH   SOLE   0 0 11,006
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 16,105,809 270,640 SH   SOLE   0 0 270,640
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 806,244 9,345 SH   SOLE   0 0 9,345
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 543,557 5,201 SH   SOLE   0 0 5,201
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 2,110,737 38,128 SH   SOLE   0 0 38,128
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 802,329 12,556 SH   SOLE   0 0 12,556
ISHARES TR MORNINGSTR US EQ 464287127 BBG001SBR743 3,335,619 59,132 SH   SOLE   0 0 59,132
ISHARES TR MRGSTR MD CP ETF 464288208 BBG001SBRK26 2,334,709 38,501 SH   SOLE   0 0 38,501
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 222,297 3,862 SH   SOLE   0 0 3,862
ISHARES TR MRGSTR SM CP ETF 464288505 BBG001SBRKC5 1,535,870 32,402 SH   SOLE   0 0 32,402
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 389,141 4,269 SH   SOLE   0 0 4,269
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 470,244 6,575 SH   SOLE   0 0 6,575
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 773,969 19,614 SH   SOLE   0 0 19,614
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,804,984 8,014 SH   SOLE   0 0 8,014
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 9,447,240 38,666 SH   SOLE   0 0 38,666
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 4,618,380 30,332 SH   SOLE   0 0 30,332
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 388,217 5,552 SH   SOLE   0 0 5,552
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,235,594 6,926 SH   SOLE   0 0 6,926
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 276,133 4,322 SH   SOLE   0 0 4,322
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,374,030 13,126 SH   SOLE   0 0 13,126
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 316,045 2,039 SH   SOLE   0 0 2,039
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 836,207 2,301 SH   SOLE   0 0 2,301
MICROSOFT CORP COM 594918104 BBG001S5TD05 964,318 3,345 SH   SOLE   0 0 3,345
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 1,913,689 226,472 SH   SOLE   0 0 226,472
PEPSICO INC COM 713448108 BBG001S695T1 427,312 2,344 SH   SOLE   0 0 2,344
PFIZER INC COM 717081103 BBG001S5V466 538,438 13,197 SH   SOLE   0 0 13,197
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 748,019 5,031 SH   SOLE   0 0 5,031
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 7,519,144 306,653 SH   SOLE   0 0 306,653
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 9,917,359 284,982 SH   SOLE   0 0 284,982
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,110,997 181,281 SH   SOLE   0 0 181,281
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 211,452 4,334 SH   SOLE   0 0 4,334
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 597,977 12,747 SH   SOLE   0 0 12,747
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,657,423 40,777 SH   SOLE   0 0 40,777
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,790,166 103,540 SH   SOLE   0 0 103,540
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,031,248 124,690 SH   SOLE   0 0 124,690
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 5,849,565 86,213 SH   SOLE   0 0 86,213
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 210,241 10,782 SH   SOLE   0 0 10,782
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,970,254 94,688 SH   SOLE   0 0 94,688
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 224,130 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 BBG001T2P370 639,018 15,525 SH   SOLE   0 0 15,525
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 602,739 19,462 SH   SOLE   0 0 19,462
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,886,470 4,608 SH   SOLE   0 0 4,608
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 318,137 694 SH   SOLE   0 0 694
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,444,423 3,056 SH   SOLE   0 0 3,056
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 639,821 8,365 SH   SOLE   0 0 8,365
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 419,579 5,683 SH   SOLE   0 0 5,683
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 234,368 940 SH   SOLE   0 0 940
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 10,273,170 48,706 SH   SOLE   0 0 48,706
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,044,696 2,778 SH   SOLE   0 0 2,778
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 724,105 4,561 SH   SOLE   0 0 4,561
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,338,519 12,337 SH   SOLE   0 0 12,337
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,115,336 20,859 SH   SOLE   0 0 20,859
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,949,639 48,258 SH   SOLE   0 0 48,258
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 316,775 5,197 SH   SOLE   0 0 5,197
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 472,900 4,329 SH   SOLE   0 0 4,329
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 981,894 10,662 SH   SOLE   0 0 10,662
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 259,281 5,422 SH   SOLE   0 0 5,422
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 253,250 4,999 SH   SOLE   0 0 4,999
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 10,811,056 171,904 SH   SOLE   0 0 171,904
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 6,489,297 97,131 SH   SOLE   0 0 97,131
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 459,646 10,176 SH   SOLE   0 0 10,176
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 2,016,700 14,089 SH   SOLE   0 0 14,089