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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 203,880 1,558 SH   SOLE   0 0 1,558
AMEREN CORP COM 023608102 BBG001S5NF24 226,520 3,027 SH   SOLE   0 0 3,027
APPLE INC COM 037833100 BBG001S5N8V8 1,066,293 6,228 SH   SOLE   0 0 6,228
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 396,890 1,133 SH   SOLE   0 0 1,133
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 245,739 8,962 SH   SOLE   0 0 8,962
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 263,342 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 268,114 1,911 SH   SOLE   0 0 1,911
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 398,782 1,113 SH   SOLE   0 0 1,113
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 19,912,242 418,412 SH   SOLE   0 0 418,412
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 276,963 4,304 SH   SOLE   0 0 4,304
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 20,034,318 80,346 SH   SOLE   0 0 80,346
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 248,088 2,630 SH   SOLE   0 0 2,630
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,439,616 10,338 SH   SOLE   0 0 10,338
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 15,976,091 282,913 SH   SOLE   0 0 282,913
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 689,630 8,357 SH   SOLE   0 0 8,357
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 499,199 4,987 SH   SOLE   0 0 4,987
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 2,241,128 37,571 SH   SOLE   0 0 37,571
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 772,124 11,921 SH   SOLE   0 0 11,921
ISHARES TR MORNINGSTR US EQ 464287127 BBG001SBR743 3,422,405 58,110 SH   SOLE   0 0 58,110
ISHARES TR MRGSTR MD CP ETF 464288208 BBG001SBRK26 2,258,985 37,820 SH   SOLE   0 0 37,820
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 220,637 3,862 SH   SOLE   0 0 3,862
ISHARES TR MRGSTR SM CP ETF 464288505 BBG001SBRKC5 1,514,356 32,164 SH   SOLE   0 0 32,164
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 330,022 3,573 SH   SOLE   0 0 3,573
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 453,149 6,575 SH   SOLE   0 0 6,575
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 738,602 19,463 SH   SOLE   0 0 19,463
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,686,708 7,180 SH   SOLE   0 0 7,180
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 10,084,466 37,912 SH   SOLE   0 0 37,912
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 4,522,797 29,791 SH   SOLE   0 0 29,791
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 405,342 5,853 SH   SOLE   0 0 5,853
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,167,894 6,608 SH   SOLE   0 0 6,608
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 293,864 4,295 SH   SOLE   0 0 4,295
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,394,782 13,560 SH   SOLE   0 0 13,560
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 217,895 1,399 SH   SOLE   0 0 1,399
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 834,579 2,108 SH   SOLE   0 0 2,108
MICROSOFT CORP COM 594918104 BBG001S5TD05 827,531 2,621 SH   SOLE   0 0 2,621
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 315,803 726 SH   SOLE   0 0 726
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 2,903,552 181,472 SH   SOLE   0 0 181,472
PEPSICO INC COM 713448108 BBG001S695T1 398,862 2,354 SH   SOLE   0 0 2,354
PFIZER INC COM 717081103 BBG001S5V466 314,916 9,494 SH   SOLE   0 0 9,494
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 699,645 4,797 SH   SOLE   0 0 4,797
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 6,792,764 283,741 SH   SOLE   0 0 283,741
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 8,564,586 252,196 SH   SOLE   0 0 252,196
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 5,322,604 165,042 SH   SOLE   0 0 165,042
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 562,021 12,707 SH   SOLE   0 0 12,707
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,013,695 27,691 SH   SOLE   0 0 27,691
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 5,982,810 92,814 SH   SOLE   0 0 92,814
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,936,439 117,321 SH   SOLE   0 0 117,321
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,244,041 92,258 SH   SOLE   0 0 92,258
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 189,188 10,658 SH   SOLE   0 0 10,658
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,907,974 94,350 SH   SOLE   0 0 94,350
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 206,430 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 BBG001T2P370 441,457 11,556 SH   SOLE   0 0 11,556
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 567,123 19,462 SH   SOLE   0 0 19,462
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,946,317 4,553 SH   SOLE   0 0 4,553
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 321,932 705 SH   SOLE   0 0 705
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,539,186 3,053 SH   SOLE   0 0 3,053
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 643,940 8,566 SH   SOLE   0 0 8,566
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 205,144 753 SH   SOLE   0 0 753
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 10,479,616 50,325 SH   SOLE   0 0 50,325
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,007,094 2,565 SH   SOLE   0 0 2,565
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 694,898 4,357 SH   SOLE   0 0 4,357
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,470,603 13,067 SH   SOLE   0 0 13,067
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,081,961 20,859 SH   SOLE   0 0 20,859
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,913,767 48,808 SH   SOLE   0 0 48,808
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 235,444 4,064 SH   SOLE   0 0 4,064
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 463,032 4,360 SH   SOLE   0 0 4,360
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 981,997 10,539 SH   SOLE   0 0 10,539
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 249,261 5,272 SH   SOLE   0 0 5,272
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 289,611 6,021 SH   SOLE   0 0 6,021
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 10,812,558 157,986 SH   SOLE   0 0 157,986
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 7,124,591 106,880 SH   SOLE   0 0 106,880
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 477,200 10,915 SH   SOLE   0 0 10,915
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 2,139,697 14,089 SH   SOLE   0 0 14,089