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
AFFIMED N V ORDINARY SHS NEW N01045207   79,500 15,000 SH   SOLE Clayton Financial Group 0 0 15,000
AT&T INC COM 00206R102   192,596 10,943 SH   SOLE Clayton Financial Group 0 0 10,943
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   200,583 2,762 SH   SOLE Clayton Financial Group 0 0 2,762
BANK AMERICA CORP COM 060505104   202,266 5,334 SH   SOLE Clayton Financial Group 0 0 5,334
AUTOMATIC DATA PROCESSING IN COM 053015103   203,289 814 SH   SOLE Clayton Financial Group 0 0 814
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   204,941 3,542 SH   SOLE Clayton Financial Group 0 0 3,542
THERMO FISHER SCIENTIFIC INC COM 883556102   205,168 353 SH   SOLE Clayton Financial Group 0 0 353
DUKE ENERGY CORP NEW COM NEW 26441C204   209,861 2,170 SH   SOLE Clayton Financial Group 0 0 2,170
JOHNSON CTLS INTL PLC SHS G51502105   213,074 3,262 SH   SOLE Clayton Financial Group 0 0 3,262
ISHARES TR CORE HIGH DV ETF 46429B663   216,499 1,964 SH   SOLE Clayton Financial Group 0 0 1,964
HONEYWELL INTL INC COM 438516106   220,849 1,076 SH   SOLE Clayton Financial Group 0 0 1,076
META PLATFORMS INC CL A 30303M102   228,242 470 SH   SOLE Clayton Financial Group 0 0 470
ISHARES TR RUS MID CAP ETF 464287499   228,694 2,720 SH   SOLE Clayton Financial Group 0 0 2,720
CHUBB LIMITED COM H1467J104   232,699 898 SH   SOLE Clayton Financial Group 0 0 898
CISCO SYS INC COM 17275R102   234,181 4,693 SH   SOLE Clayton Financial Group 0 0 4,693
ISHARES TR RUS MDCP VAL ETF 464287473   234,774 1,873 SH   SOLE Clayton Financial Group 0 0 1,873
NVIDIA CORPORATION COM 67066G104   237,411 263 SH   SOLE Clayton Financial Group 0 0 263
ALLSTATE CORP COM 020002101   237,543 1,373 SH   SOLE Clayton Financial Group 0 0 1,373
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   239,231 2,575 SH   SOLE Clayton Financial Group 0 0 2,575
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   239,855 5,742 SH   SOLE Clayton Financial Group 0 0 5,742
PHILIP MORRIS INTL INC COM 718172109   240,045 2,620 SH   SOLE Clayton Financial Group 0 0 2,620
ONEOK INC NEW COM 682680103   241,633 3,014 SH   SOLE Clayton Financial Group 0 0 3,014
ISHARES TR 20 YR TR BD ETF 464287432   246,030 2,600 SH   SOLE Clayton Financial Group 0 0 2,600
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   250,871 4,518 SH   SOLE Clayton Financial Group 0 0 4,518
ISHARES TR NATIONAL MUN ETF 464288414   258,133 2,399 SH   SOLE Clayton Financial Group 0 0 2,399
RTX CORPORATION COM 75513E101   259,723 2,663 SH   SOLE Clayton Financial Group 0 0 2,663
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   265,085 10,420 SH   SOLE Clayton Financial Group 0 0 10,420
COCA COLA CO COM 191216100   269,778 4,410 SH   SOLE Clayton Financial Group 0 0 4,410
EMERSON ELEC CO COM 291011104   274,931 2,424 SH   SOLE Clayton Financial Group 0 0 2,424
TARGET CORP COM 87612E106   278,178 1,570 SH   SOLE Clayton Financial Group 0 0 1,570
WALMART INC COM 931142103   280,234 4,657 SH   SOLE Clayton Financial Group 0 0 4,657
ISHARES TR RUS MD CP GR ETF 464287481   314,861 2,759 SH   SOLE Clayton Financial Group 0 0 2,759
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   332,222 1,595 SH   SOLE Clayton Financial Group 0 0 1,595
ABBOTT LABS COM 002824100   334,502 2,943 SH   SOLE Clayton Financial Group 0 0 2,943
HOME DEPOT INC COM 437076102   340,898 889 SH   SOLE Clayton Financial Group 0 0 889
ABBVIE INC COM 00287Y109   346,901 1,905 SH   SOLE Clayton Financial Group 0 0 1,905
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   354,864 1,943 SH   SOLE Clayton Financial Group 0 0 1,943
S&P GLOBAL INC COM 78409V104   392,691 923 SH   SOLE Clayton Financial Group 0 0 923
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   398,663 3,295 SH   SOLE Clayton Financial Group 0 0 3,295
GENERAL ELECTRIC CO COM NEW 369604301   403,193 2,297 SH   SOLE Clayton Financial Group 0 0 2,297
ISHARES TR S&P MC 400GR ETF 464287606   410,081 4,494 SH   SOLE Clayton Financial Group 0 0 4,494
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   415,340 11,302 SH   SOLE Clayton Financial Group 0 0 11,302
UNION PAC CORP COM 907818108   423,000 1,720 SH   SOLE Clayton Financial Group 0 0 1,720
VANGUARD INDEX FDS TOTAL STK MKT 922908769   437,171 1,682 SH   SOLE Clayton Financial Group 0 0 1,682
ISHARES TR S&P 500 VAL ETF 464287408   449,613 2,407 SH   SOLE Clayton Financial Group 0 0 2,407
ISHARES TR S&P MC 400VL ETF 464287705   462,541 3,910 SH   SOLE Clayton Financial Group 0 0 3,910
JPMORGAN CHASE & CO COM 46625H100   471,707 2,355 SH   SOLE Clayton Financial Group 0 0 2,355
ENTERPRISE PRODS PARTNERS L COM 293792107   492,471 16,877 SH   SOLE Clayton Financial Group 0 0 16,877
ORACLE CORP COM 68389X105   505,832 4,027 SH   SOLE Clayton Financial Group 0 0 4,027
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   513,347 10,232 SH   SOLE Clayton Financial Group 0 0 10,232
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   556,185 10,218 SH   SOLE Clayton Financial Group 0 0 10,218
ISHARES TR RUSSELL 2000 ETF 464287655   642,311 3,054 SH   SOLE Clayton Financial Group 0 0 3,054
PEPSICO INC COM 713448108   647,906 3,702 SH   SOLE Clayton Financial Group 0 0 3,702
ISHARES TR EAFE SML CP ETF 464288273   682,235 10,773 SH   SOLE Clayton Financial Group 0 0 10,773
ISHARES TR MSCI EAFE ETF 464287465   698,965 8,752 SH   SOLE Clayton Financial Group 0 0 8,752
MERCK & CO INC COM 58933Y105   706,857 5,357 SH   SOLE Clayton Financial Group 0 0 5,357
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   753,993 1,793 SH   SOLE Clayton Financial Group 0 0 1,793
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   762,469 10,035 SH   SOLE Clayton Financial Group 0 0 10,035
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   779,526 2,249 SH   SOLE Clayton Financial Group 0 0 2,249
SELECT SECTOR SPDR TR ENERGY 81369Y506   821,220 8,698 SH   SOLE Clayton Financial Group 0 0 8,698
JOHNSON & JOHNSON COM 478160104   861,187 5,444 SH   SOLE Clayton Financial Group 0 0 5,444
PROCTER AND GAMBLE CO COM 742718109   869,130 5,357 SH   SOLE Clayton Financial Group 0 0 5,357
MANAGED PORTFOLIO SERIES ECOFIN GBL WATER 56167N753   869,781 18,617 SH   SOLE Clayton Financial Group 0 0 18,617
ISHARES TR BLACKROCK ULTRA 46434V878   871,243 17,232 SH   SOLE Clayton Financial Group 0 0 17,232
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   892,256 22,867 SH   SOLE Clayton Financial Group 0 0 22,867
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   905,507 35,862 SH   SOLE Clayton Financial Group 0 0 35,862
EXXON MOBIL CORP COM 30231G102   974,160 8,381 SH   SOLE Clayton Financial Group 0 0 8,381
TJX COS INC NEW COM 872540109   1,005,884 9,918 SH   SOLE Clayton Financial Group 0 0 9,918
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,012,481 4,223 SH   SOLE Clayton Financial Group 0 0 4,223
ISHARES TR COHEN STEER REIT 464287564   1,044,294 18,099 SH   SOLE Clayton Financial Group 0 0 18,099
ISHARES TR S&P 500 GRWT ETF 464287309   1,056,893 12,516 SH   SOLE Clayton Financial Group 0 0 12,516
ISHARES TR EAFE VALUE ETF 464288877   1,163,288 21,384 SH   SOLE Clayton Financial Group 0 0 21,384
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,268,880 2 SH   SOLE Clayton Financial Group 0 0 2
ISHARES TR RUS 2000 GRW ETF 464287648   1,545,900 5,709 SH   SOLE Clayton Financial Group 0 0 5,709
ISHARES TR RUS 1000 ETF 464287622   1,554,576 5,397 SH   SOLE Clayton Financial Group 0 0 5,397
MICROSOFT CORP COM 594918104   1,571,810 3,736 SH   SOLE Clayton Financial Group 0 0 3,736
ISHARES TR EAFE GRWTH ETF 464288885   1,647,398 15,872 SH   SOLE Clayton Financial Group 0 0 15,872
ISHARES TR RUS 2000 VAL ETF 464287630   1,840,370 11,588 SH   SOLE Clayton Financial Group 0 0 11,588
STIFEL FINL CORP COM 860630102   1,955,189 25,012 SH   SOLE Clayton Financial Group 0 0 25,012
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,960,185 39,809 SH   SOLE Clayton Financial Group 0 0 39,809
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,964,659 24,127 SH   SOLE Clayton Financial Group 0 0 24,127
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,082,923 22,465 SH   SOLE Clayton Financial Group 0 0 22,465
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,306,502 4,410 SH   SOLE Clayton Financial Group 0 0 4,410
ETF SER SOLUTIONS DISTILLATE US 26922A321   2,553,749 47,371 SH   SOLE Clayton Financial Group 0 0 47,371
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,634,651 30,465 SH   SOLE Clayton Financial Group 0 0 30,465
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   2,834,840 56,180 SH   SOLE Clayton Financial Group 0 0 56,180
ISHARES INC CORE MSCI EMKT 46434G103   2,874,533 55,708 SH   SOLE Clayton Financial Group 0 0 55,708
INVESCO QQQ TR UNIT SER 1 46009E103   3,275,028 7,376 SH   SOLE Clayton Financial Group 0 0 7,376
VANGUARD INDEX FDS MID CAP ETF 922908629   3,798,941 15,204 SH   SOLE Clayton Financial Group 0 0 15,204
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,913,594 17,121 SH   SOLE Clayton Financial Group 0 0 17,121
ISHARES TR SP SMCP600VL ETF 464287879   4,007,051 38,994 SH   SOLE Clayton Financial Group 0 0 38,994
ISHARES TR CORE S&P500 ETF 464287200   4,071,973 7,745 SH   SOLE Clayton Financial Group 0 0 7,745
WISDOMTREE TR EMER MKT HIGH FD 97717W315   4,078,836 97,487 SH   SOLE Clayton Financial Group 0 0 97,487
ISHARES TR CORE MSCI EAFE 46432F842   5,119,497 68,977 SH   SOLE Clayton Financial Group 0 0 68,977
ISHARES TR S&P SML 600 GWT 464287887   5,284,295 40,421 SH   SOLE Clayton Financial Group 0 0 40,421
APPLE INC COM 037833100   5,537,198 32,291 SH   SOLE Clayton Financial Group 0 0 32,291
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,729,424 92,321 SH   SOLE Clayton Financial Group 0 0 92,321
ISHARES TR RUS 1000 VAL ETF 464287598   8,064,525 45,026 SH   SOLE Clayton Financial Group 0 0 45,026
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,224,488 31,545 SH   SOLE Clayton Financial Group 0 0 31,545
VANGUARD INDEX FDS SM CP VAL ETF 922908611   9,163,783 47,758 SH   SOLE Clayton Financial Group 0 0 47,758
ISHARES TR RUS 1000 GRW ETF 464287614   11,995,323 35,589 SH   SOLE Clayton Financial Group 0 0 35,589
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   15,409,597 98,836 SH   SOLE Clayton Financial Group 0 0 98,836
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   16,977,802 72,004 SH   SOLE Clayton Financial Group 0 0 72,004
VANGUARD INDEX FDS VALUE ETF 922908744   20,518,497 125,989 SH   SOLE Clayton Financial Group 0 0 125,989
VANGUARD INDEX FDS GROWTH ETF 922908736   20,563,167 59,742 SH   SOLE Clayton Financial Group 0 0 59,742