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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 283,197 1,570 SH   SOLE   0 0 1,570
AMEREN CORP COM 023608102 BBG001S5NF24 205,101 2,773 SH   SOLE   0 0 2,773
APPLE INC COM 037833100 BBG001S5N8V8 974,714 5,684 SH   SOLE   0 0 5,684
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 223,209 230 SH   SOLE   0 0 230
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 485,701 1,155 SH   SOLE   0 0 1,155
BROADCOM INC COM 11135F101 BBG00KHY5SY8 491,728 371 SH   SOLE   0 0 371
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 632,201 20,328 SH   SOLE   0 0 20,328
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 296,683 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 287,586 1,506 SH   SOLE   0 0 1,506
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 922,950 5,052 SH   SOLE   0 0 5,052
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 BBG001SS30K9 320,655 2,914 SH   SOLE   0 0 2,914
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 414,262 933 SH   SOLE   0 0 933
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 23,667,926 458,681 SH   SOLE   0 0 458,681
ISHARES TR 10+ YR INVST GRD 464289511 BBG001T5MKD1 393,897 7,647 SH   SOLE   0 0 7,647
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 361,081 4,865 SH   SOLE   0 0 4,865
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 24,403,754 401,774 SH   SOLE   0 0 401,774
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 289,342 2,618 SH   SOLE   0 0 2,618
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,378,356 10,230 SH   SOLE   0 0 10,230
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 18,856,325 297,747 SH   SOLE   0 0 297,747
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 382,953 4,271 SH   SOLE   0 0 4,271
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 599,770 4,949 SH   SOLE   0 0 4,949
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 2,754,665 36,495 SH   SOLE   0 0 36,495
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 1,056,979 13,752 SH   SOLE   0 0 13,752
ISHARES TR MORNINGSTR US EQ 464287127 BBG001SBR743 4,149,030 57,252 SH   SOLE   0 0 57,252
ISHARES TR MRGSTR MD CP ETF 464288208 BBG001SBRK26 2,680,363 36,803 SH   SOLE   0 0 36,803
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 269,503 3,813 SH   SOLE   0 0 3,813
ISHARES TR MRGSTR SM CP ETF 464288505 BBG001SBRKC5 1,785,507 31,764 SH   SOLE   0 0 31,764
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 286,889 2,605 SH   SOLE   0 0 2,605
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 537,378 6,729 SH   SOLE   0 0 6,729
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 811,310 19,750 SH   SOLE   0 0 19,750
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,156,546 7,487 SH   SOLE   0 0 7,487
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 12,186,689 36,157 SH   SOLE   0 0 36,157
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 5,402,114 30,161 SH   SOLE   0 0 30,161
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 499,773 5,943 SH   SOLE   0 0 5,943
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,436,554 6,831 SH   SOLE   0 0 6,831
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 302,296 3,580 SH   SOLE   0 0 3,580
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 216,324 1,080 SH   SOLE   0 0 1,080
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 201,031 414 SH   SOLE   0 0 414
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,240,216 2,948 SH   SOLE   0 0 2,948
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 844,829 935 SH   SOLE   0 0 935
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 1,891,929 82,222 SH   SOLE   0 0 82,222
PEPSICO INC COM 713448108 BBG001S695T1 411,624 2,352 SH   SOLE   0 0 2,352
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 682,049 4,204 SH   SOLE   0 0 4,204
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 7,765,250 307,535 SH   SOLE   0 0 307,535
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 10,580,848 271,165 SH   SOLE   0 0 271,165
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,572,570 183,591 SH   SOLE   0 0 183,591
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 606,648 13,188 SH   SOLE   0 0 13,188
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,916,477 31,455 SH   SOLE   0 0 31,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,927,781 91,179 SH   SOLE   0 0 91,179
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,948,459 128,077 SH   SOLE   0 0 128,077
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 7,637,241 93,789 SH   SOLE   0 0 93,789
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 216,071 10,644 SH   SOLE   0 0 10,644
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 5,084,270 103,255 SH   SOLE   0 0 103,255
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 229,080 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 BBG001T2P370 729,992 17,048 SH   SOLE   0 0 17,048
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 628,813 19,360 SH   SOLE   0 0 19,360
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,340,216 4,474 SH   SOLE   0 0 4,474
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 392,262 705 SH   SOLE   0 0 705
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,566,053 3,166 SH   SOLE   0 0 3,166
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 739,120 9,640 SH   SOLE   0 0 9,640
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 257,272 3,542 SH   SOLE   0 0 3,542
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 301,174 875 SH   SOLE   0 0 875
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 12,630,563 50,551 SH   SOLE   0 0 50,551
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,087,656 2,263 SH   SOLE   0 0 2,263
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 983,002 5,123 SH   SOLE   0 0 5,123
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,941,598 12,868 SH   SOLE   0 0 12,868
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 714,011 12,174 SH   SOLE   0 0 12,174
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,113,600 50,601 SH   SOLE   0 0 50,601
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 273,689 4,064 SH   SOLE   0 0 4,064
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 465,374 3,983 SH   SOLE   0 0 3,983
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,184,156 10,716 SH   SOLE   0 0 10,716
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 287,149 5,996 SH   SOLE   0 0 5,996
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 405,812 8,020 SH   SOLE   0 0 8,020
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 12,521,076 144,468 SH   SOLE   0 0 144,468
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 8,216,662 104,485 SH   SOLE   0 0 104,485
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 214,352 2,520 SH   SOLE   0 0 2,520
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 752,295 14,995 SH   SOLE   0 0 14,995
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 2,603,847 13,934 SH   SOLE   0 0 13,934