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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   15,980 83 SH   OTR   0 0 83
ISHARES INC CORE MSCI EMKT 46434G103   95,698 1,892 SH   OTR   0 0 1,892
ISHARES TR CORE MSCI EAFE 46432F842   245,085 3,484 SH   OTR   0 0 3,484
ISHARES TR CORE S&P MCP ETF 464287507   180,148 650 SH   OTR   0 0 650
ISHARES TR CORE S&P500 ETF 464287200   171,947 360 SH   OTR   0 0 360
ISHARES TR CORE US AGGBD ET 464287226   1,559 16 SH   OTR   0 0 16
MICROSOFT CORP COM 594918104   2,633 7 SH   OTR   0 0 7
PEPSICO INC COM 713448108   2,039 12 SH   OTR   0 0 12
PROCTER AND GAMBLE CO COM 742718109   2,199 15 SH   OTR   0 0 15
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   294,572 7,970 SH   OTR   0 0 7,970
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,469,551 23,725 SH   OTR   0 0 23,725
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,576 77 SH   OTR   0 0 77
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   22,931 276 SH   OTR   0 0 276
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   579,845 10,281 SH   OTR   0 0 10,281
SCHWAB STRATEGIC TR US REIT ETF 808524847   890 43 SH   OTR   0 0 43
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   131,916 2,792 SH   OTR   0 0 2,792
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,377 5 SH   OTR   0 0 5
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   394 8 SH   OTR   0 0 8
VANGUARD INDEX FDS LARGE CAP ETF 922908637   185,953 852 SH   OTR   0 0 852
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,371 8 SH   OTR   0 0 8
VANGUARD INDEX FDS SMALL CP ETF 922908751   397,591 1,864 SH   OTR   0 0 1,864
VANGUARD INDEX FDS VALUE ETF 922908744   3,140 21 SH   OTR   0 0 21
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   699 17 SH   OTR   0 0 17
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,800 38 SH   OTR   0 0 38
3M CO COM 88579Y101   36,076 330 SH   SOLE   0 0 330
ABBVIE INC COM 00287Y109   4,576 30 SH   SOLE   0 0 30
ADTRAN HOLDINGS INC COM 00486H105   348,739 47,512 SH   SOLE   0 0 47,512
AGENUS INC COM NEW 00847G705   1 1 SH   SOLE   0 0 1
ALIGNMENT HEALTHCARE INC COM 01625V104   130 15 SH   SOLE   0 0 15
ALPHABET INC CAP STK CL A 02079K305   148,072 1,060 SH   SOLE   0 0 1,060
ALPHABET INC CAP STK CL C 02079K107   118,382 840 SH   SOLE   0 0 840
ALTRIA GROUP INC COM 02209S103   6,455 160 SH   SOLE   0 0 160
AMAZON COM INC COM 023135106   61 0 SH   SOLE   0 0 0
AMEREN CORP COM 023608102   19,894 275 SH   SOLE   0 0 275
AMGEN INC COM 031162100   72,379 251 SH   SOLE   0 0 251
APPLE INC COM 037833100   2,057,123 10,685 SH   SOLE   0 0 10,685
ARES CAPITAL CORP COM 04010L103   10,777 538 SH   SOLE   0 0 538
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   62,433 525 SH   SOLE   0 0 525
ARM HOLDINGS PLC SPONSORED ADR 042068205   15,029 200 SH   SOLE   0 0 200
AT&T INC COM 00206R102   29,510 1,759 SH   SOLE   0 0 1,759
BLOCK H & R INC COM 093671105   968 20 SH   SOLE   0 0 20
BP PLC SPONSORED ADR 055622104   38,763 1,095 SH   SOLE   0 0 1,095
BRISTOL-MYERS SQUIBB CO COM 110122108   70,808 1,380 SH   SOLE   0 0 1,380
BROADCOM INC COM 11135F101   64,743 58 SH   SOLE   0 0 58
CAPITOL FED FINL INC COM 14057J101   27,735 4,300 SH   SOLE   0 0 4,300
CGI INC CL A SUB VTG 12532H104   9,006 84 SH   SOLE   0 0 84
CHARGEPOINT HOLDINGS INC COM CL A 15961R105   728 311 SH   SOLE   0 0 311
CHEVRON CORP NEW COM 166764100   29,832 200 SH   SOLE   0 0 200
CHURCH & DWIGHT CO INC COM 171340102   39,148 414 SH   SOLE   0 0 414
CLEAN ENERGY FUELS CORP COM 184499101   154 40 SH   SOLE   0 0 40
CLOROX CO DEL COM 189054109   35,652 250 SH   SOLE   0 0 250
COCA COLA CO COM 191216100   1,002 17 SH   SOLE   0 0 17
COINBASE GLOBAL INC COM CL A 19260Q107   17,392 100 SH   SOLE   0 0 100
COLGATE PALMOLIVE CO COM 194162103   424,775 5,329 SH   SOLE   0 0 5,329
COSTCO WHSL CORP NEW COM 22160K105   160,075 243 SH   SOLE   0 0 243
DELL TECHNOLOGIES INC CL C 24703L202   76,959 1,006 SH   SOLE   0 0 1,006
DELTA AIR LINES INC DEL COM NEW 247361702   40 1 SH   SOLE   0 0 1
DEXCOM INC COM 252131107   183 1 SH   SOLE   0 0 1
DICKS SPORTING GOODS INC COM 253393102   5,438 37 SH   SOLE   0 0 37
DILLARDS INC CL A 254067101   12,917 32 SH   SOLE   0 0 32
DISNEY WALT CO COM 254687106   47,944 531 SH   SOLE   0 0 531
DNP SELECT INCOME FD INC COM 23325P104   53,424 6,300 SH   SOLE   0 0 6,300
DRAFTKINGS INC NEW COM CL A 26142V105   36 1 SH   SOLE   0 0 1
ENTERPRISE PRODS PARTNERS L COM 293792107   36,890 1,400 SH   SOLE   0 0 1,400
EPR PPTYS COM SH BEN INT 26884U109   29,223 603 SH   SOLE   0 0 603
EVERGY INC COM 30034W106   7,883 151 SH   SOLE   0 0 151
EXXON MOBIL CORP COM 30231G102   28,395 284 SH   SOLE   0 0 284
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   13,672 513 SH   SOLE   0 0 513
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   5,433 118 SH   SOLE   0 0 118
FISKER INC CL A COM STK 33813J106   175 100 SH   SOLE   0 0 100
FLAHERTY & CRUMRINE PFD SECS COM 338478100   2,586 186 SH   SOLE   0 0 186
FORD MTR CO DEL COM 345370860   2,438 200 SH   SOLE   0 0 200
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   9,384 1,655 SH   SOLE   0 0 1,655
FUBOTV INC COM 35953D104   318 100 SH   SOLE   0 0 100
GARMIN LTD SHS H2906T109   101,804 792 SH   SOLE   0 0 792
HARTFORD FINL SVCS GROUP INC COM 416515104   12,781 159 SH   SOLE   0 0 159
HENRY JACK & ASSOC INC COM 426281101   212,924 1,303 SH   SOLE   0 0 1,303
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   1,418 30 SH   SOLE   0 0 30
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   197,684 2,145 SH   SOLE   0 0 2,145
INVESCO QQQ TR UNIT SER 1 46090E103   115,895 283 SH   SOLE   0 0 283
ISHARES INC CORE MSCI EMKT 46434G103   3,174,560 62,763 SH   SOLE   0 0 62,763
ISHARES INC ESG AWR MSCI EM 46434G863   32,862 1,025 SH   SOLE   0 0 1,025
ISHARES TR 3 7 YR TREAS BD 464288661   16,867 144 SH   SOLE   0 0 144
ISHARES TR CORE MSCI EAFE 46432F842   8,746,018 124,321 SH   SOLE   0 0 124,321
ISHARES TR CORE MSCI INTL 46435G326   6,303 99 SH   SOLE   0 0 99
ISHARES TR CORE MSCI TOTAL 46432F834   2,468 38 SH   SOLE   0 0 38
ISHARES TR CORE S&P MCP ETF 464287507   931,779 3,362 SH   SOLE   0 0 3,362
ISHARES TR CORE S&P SCP ETF 464287804   2,566,779 23,712 SH   SOLE   0 0 23,712
ISHARES TR CORE S&P TTL STK 464287150   5,052 48 SH   SOLE   0 0 48
ISHARES TR CORE S&P US VLU 464287663   600,936 7,126 SH   SOLE   0 0 7,126
ISHARES TR CORE S&P500 ETF 464287200   2,951,270 6,179 SH   SOLE   0 0 6,179
ISHARES TR CORE US AGGBD ET 464287226   30,867 311 SH   SOLE   0 0 311
ISHARES TR CRE U S REIT ETF 464288521   6,488 120 SH   SOLE   0 0 120
ISHARES TR ESG AW MSCI EAFE 46435G516   111,800 1,480 SH   SOLE   0 0 1,480
ISHARES TR ESG AWARE AGGRSV 46436E668   53,228 1,660 SH   SOLE   0 0 1,660
ISHARES TR ESG AWARE MSCI 46435U663   79,061 2,080 SH   SOLE   0 0 2,080
ISHARES TR ESG MSCI USA ETF 46436E767   9,470 238 SH   SOLE   0 0 238
ISHARES TR IBDS DEC28 ETF 46435U515   124,447 4,960 SH   SOLE   0 0 4,960
ISHARES TR IBONDS 27 ETF 46435UAA9   123,479 5,160 SH   SOLE   0 0 5,160
ISHARES TR IBONDS DEC 2030 46436E726   126,594 5,850 SH   SOLE   0 0 5,850
ISHARES TR IBONDS DEC 2031 46436E486   586,898 28,257 SH   SOLE   0 0 28,257
ISHARES TR IBONDS DEC 2032 46436E312   128,673 5,100 SH   SOLE   0 0 5,100
ISHARES TR IBONDS DEC 2033 46436E130   128,475 4,970 SH   SOLE   0 0 4,970
ISHARES TR IBONDS DEC 29 46436E205   125,870 5,456 SH   SOLE   0 0 5,456
ISHARES TR IBONDS DEC2026 46435GAA0   122,129 5,110 SH   SOLE   0 0 5,110
ISHARES TR IBONDS DEC24 ETF 46434VBG4   118,323 4,750 SH   SOLE   0 0 4,750
ISHARES TR IBONDS DEC25 ETF 46434VBD1   121,077 4,890 SH   SOLE   0 0 4,890
ISHARES TR ISHARES BIOTECH 464287556   9,782 72 SH   SOLE   0 0 72
ISHARES TR RUS 1000 ETF 464287622   46,421 177 SH   SOLE   0 0 177
ISHARES TR RUS 1000 GRW ETF 464287614   73,368 242 SH   SOLE   0 0 242
ISHARES TR RUS 1000 VAL ETF 464287598   2,271 14 SH   SOLE   0 0 14
ISHARES TR RUS MID CAP ETF 464287499   81,617 1,050 SH   SOLE   0 0 1,050
ISHARES TR RUSSELL 2000 ETF 464287655   100,355 500 SH   SOLE   0 0 500
ISHARES TR SELECT DIVID ETF 464287168   63,188 539 SH   SOLE   0 0 539
ISHARES TR US AER DEF ETF 464288760   11,433 90 SH   SOLE   0 0 90
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   10,530 220 SH   SOLE   0 0 220
JOHNSON & JOHNSON COM 478160104   9,405 60 SH   SOLE   0 0 60
KENVUE INC COM 49177J102   1,206 56 SH   SOLE   0 0 56
KINDER MORGAN INC DEL COM 49456B101   9,473 537 SH   SOLE   0 0 537
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   1,580 76 SH   SOLE   0 0 76
LUMEN TECHNOLOGIES INC COM 550241103   562 307 SH   SOLE   0 0 307
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   49,546 1,910 SH   SOLE   0 0 1,910
MEDTRONIC PLC SHS G5960L103   116 1 SH   SOLE   0 0 1
META PLATFORMS INC CL A 30303M102   17,698 50 SH   SOLE   0 0 50
MICRON TECHNOLOGY INC COM 595112103   8,534 100 SH   SOLE   0 0 100
MICROSOFT CORP COM 594918104   825,424 2,195 SH   SOLE   0 0 2,195
MOLSON COORS BEVERAGE CO CL B 60871R209   674 11 SH   SOLE   0 0 11
MONDELEZ INTL INC CL A 609207105   55,120 761 SH   SOLE   0 0 761
NETFLIX INC COM 64110L106   409,953 842 SH   SOLE   0 0 842
NIO INC SPON ADS 62914V106   907 100 SH   SOLE   0 0 100
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888   34,227 1,270 SH   SOLE   0 0 1,270
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   38,709 990 SH   SOLE   0 0 990
OCCIDENTAL PETE CORP *W EXP 08/03/202 674599162   429 11 SH   SOLE   0 0 11
OCCIDENTAL PETE CORP COM 674599105   5,255 88 SH   SOLE   0 0 88
PEPSICO INC COM 713448108   206,855 1,218 SH   SOLE   0 0 1,218
PFIZER INC COM 717081103   37,900 1,316 SH   SOLE   0 0 1,316
PG&E CORP COM 69331C108   15,434 856 SH   SOLE   0 0 856
PHILLIPS 66 COM 718546104   76,423 574 SH   SOLE   0 0 574
PINTEREST INC CL A 72352L106   3,704 100 SH   SOLE   0 0 100
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   8,104 103 SH   SOLE   0 0 103
PROCTER AND GAMBLE CO COM 742718109   283,262 1,933 SH   SOLE   0 0 1,933
PRUDENTIAL FINL INC COM 744320102   1,452 14 SH   SOLE   0 0 14
ROBLOX CORP CL A 771049103   9,144 200 SH   SOLE   0 0 200
ROKU INC COM CL A 77543R102   9,166 100 SH   SOLE   0 0 100
SALESFORCE INC COM 79466L302   264 1 SH   SOLE   0 0 1
SCHWAB CHARLES CORP COM 808513105   52,632 765 SH   SOLE   0 0 765
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,449,027 98,791 SH   SOLE   0 0 98,791
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,537,166 501,547 SH   SOLE   0 0 501,547
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   153,361 2,510 SH   SOLE   0 0 2,510
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   35,424,501 571,916 SH   SOLE   0 0 571,916
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   38,065 500 SH   SOLE   0 0 500
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,167,073 16,649 SH   SOLE   0 0 16,649
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,735,276 296,725 SH   SOLE   0 0 296,725
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,479,888 19,648 SH   SOLE   0 0 19,648
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,046,060 64,481 SH   SOLE   0 0 64,481
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   4,848 121 SH   SOLE   0 0 121
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   41,733 306 SH   SOLE   0 0 306
SNAP INC CL A 83304A106   847 50 SH   SOLE   0 0 50
SONOS INC COM 83570H108   1,714 100 SH   SOLE   0 0 100
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   23,167 530 SH   SOLE   0 0 530
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   3,953 70 SH   SOLE   0 0 70
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   2,351 74 SH   SOLE   0 0 74
SPDR S&P 500 ETF TR TR UNIT 78462F103   194,402 409 SH   SOLE   0 0 409
SPDR SER TR PORTFOLIO AGRGTE 78464A649   28,717 1,120 SH   SOLE   0 0 1,120
SPDR SER TR PORTFOLIO S&P400 78464A847   60,754 1,247 SH   SOLE   0 0 1,247
SPDR SER TR PORTFOLIO SHORT 78464A474   21,710 729 SH   SOLE   0 0 729
SPDR SER TR SPDR S&P 500 ETF 78468R796   188,617 4,860 SH   SOLE   0 0 4,860
STARBUCKS CORP COM 855244109   769 8 SH   SOLE   0 0 8
TESLA INC COM 88160R101   152,816 615 SH   SOLE   0 0 615
TEXTRON INC COM 883203101   43,013 535 SH   SOLE   0 0 535
THE CIGNA GROUP COM 125523100   28,149 94 SH   SOLE   0 0 94
T-MOBILE US INC COM 872590104   33,349 208 SH   SOLE   0 0 208
TRACTOR SUPPLY CO COM 892356106   33,115 154 SH   SOLE   0 0 154
UMB FINL CORP COM 902788108   282,984 3,387 SH   SOLE   0 0 3,387
UNION PAC CORP COM 907818108   11,790 48 SH   SOLE   0 0 48
UNITED PARCEL SERVICE INC CL B 911312106   366 2 SH   SOLE   0 0 2
UNITI GROUP INC COM 91325V108   41 7 SH   SOLE   0 0 7
US BANCORP DEL COM NEW 902973304   996 23 SH   SOLE   0 0 23
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   47,220 642 SH   SOLE   0 0 642
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,024 41 SH   SOLE   0 0 41
VANGUARD INDEX FDS GROWTH ETF 922908736   115,869 373 SH   SOLE   0 0 373
VANGUARD INDEX FDS LARGE CAP ETF 922908637   19,105,706 87,581 SH   SOLE   0 0 87,581
VANGUARD INDEX FDS MID CAP ETF 922908629   36,060 155 SH   SOLE   0 0 155
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   57,479 651 SH   SOLE   0 0 651
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,190,538 52,456 SH   SOLE   0 0 52,456
VANGUARD INDEX FDS TOTAL STK MKT 922908769   96,193 406 SH   SOLE   0 0 406
VANGUARD INDEX FDS VALUE ETF 922908744   30,797 206 SH   SOLE   0 0 206
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   9,610 162 SH   SOLE   0 0 162
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   93,229 1,147 SH   SOLE   0 0 1,147
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   43,038 202 SH   SOLE   0 0 202
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   316,188 6,601 SH   SOLE   0 0 6,601
VANGUARD WORLD FD ESG INTL STK ETF 921910725   46,436 840 SH   SOLE   0 0 840
VANGUARD WORLD FDS ENERGY ETF 92204A306   7,976 68 SH   SOLE   0 0 68
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   106,099 1,150 SH   SOLE   0 0 1,150
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   112,420 510 SH   SOLE   0 0 510
VIATRIS INC COM 92556V106   1,744 161 SH   SOLE   0 0 161
WALMART INC COM 931142103   76,145 483 SH   SOLE   0 0 483
WARNER BROS DISCOVERY INC COM SER A 934423104   239 21 SH   SOLE   0 0 21
WISDOMTREE TR EMG MKTS SMCAP 97717W281   6,540 131 SH   SOLE   0 0 131
XCEL ENERGY INC COM 98389B100   11,887 192 SH   SOLE   0 0 192
YUM BRANDS INC COM 988498101   262 2 SH   SOLE   0 0 2
ZIONS BANCORPORATION N A COM 989701107   9,905 226 SH   SOLE   0 0 226