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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 349 161 SH   SOLE 0 0 0 161
AMAZON COM INC COM 023135106 611 5,751 SH   SOLE 0 0 0 5,751
AMEREN CORP COM 023608102 232 2,573 SH   SOLE 0 0 0 2,573
APPLE INC COM 037833100 2,306 16,872 SH   SOLE 0 0 0 16,872
APPLIED MATLS INC COM 038222105 1,621 17,820 SH   SOLE 0 0 0 17,820
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,279 4,688 SH   SOLE 0 0 0 4,688
BOEING CO COM 097023105 720 5,273 SH   SOLE 0 0 0 5,273
EQUIFAX INC COM 294429105 2,662 14,567 SH   SOLE 0 0 0 14,567
FLEXSHARES TR MORNSTAR UPSTR 33939L407 224 5,650 SH   SOLE 0 0 0 5,650
FORTUNE BRANDS HOME & SEC IN COM 34964C106 292 4,865 SH   SOLE 0 0 0 4,865
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 33,766 450,572 SH   SOLE 0 0 0 450,572
HONEYWELL INTL INC COM 438516106 263 1,517 SH   SOLE 0 0 0 1,517
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 3,366 115,600 SH   SOLE 0 0 0 115,600
INVESCO QQQ TR UNIT SER 1 46090E103 10,830 38,660 SH   SOLE 0 0 0 38,660
ISHARES TR COHEN STEER REIT 464287564 226 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR CORE INTL AGGR 46435G672 1,093 21,878 SH   SOLE 0 0 0 21,878
ISHARES TR CORE MSCI EAFE 46432F842 719 12,214 SH   SOLE 0 0 0 12,214
ISHARES TR CORE S&P MCP ETF 464287507 773 3,417 SH   SOLE 0 0 0 3,417
ISHARES TR CORE S&P SCP ETF 464287804 564 6,105 SH   SOLE 0 0 0 6,105
ISHARES TR CORE S&P US GWT 464287671 513 6,134 SH   SOLE 0 0 0 6,134
ISHARES TR CORE S&P500 ETF 464287200 42,275 111,508 SH   SOLE 0 0 0 111,508
ISHARES TR CORE US AGGBD ET 464287226 552 5,428 SH   SOLE 0 0 0 5,428
ISHARES TR EAFE GRWTH ETF 464288885 403 5,025 SH   SOLE 0 0 0 5,025
ISHARES TR EAFE SML CP ETF 464288273 1,689 30,940 SH   SOLE 0 0 0 30,940
ISHARES TR EAFE VALUE ETF 464288877 247 5,679 SH   SOLE 0 0 0 5,679
ISHARES TR IBONDS DEC 46435U697 513 19,671 SH   SOLE 0 0 0 19,671
ISHARES TR IBONDS DEC 25 46435U432 461 17,244 SH   SOLE 0 0 0 17,244
ISHARES TR IBONDS DEC 26 46435U259 432 16,959 SH   SOLE 0 0 0 16,959
ISHARES TR IBONDS DEC2023 46435G318 1,230 48,231 SH   SOLE 0 0 0 48,231
ISHARES TR IBONDS DEC2026 46435GAA0 692 29,096 SH   SOLE 0 0 0 29,096
ISHARES TR IBONDS DEC23 ETF 46434VAX8 967 38,554 SH   SOLE 0 0 0 38,554
ISHARES TR IBONDS DEC24 ETF 46434VBG4 614 24,796 SH   SOLE 0 0 0 24,796
ISHARES TR IBONDS DEC25 ETF 46434VBD1 668 26,992 SH   SOLE 0 0 0 26,992
ISHARES TR RUS 2000 VAL ETF 464287630 4,774 35,078 SH   SOLE 0 0 0 35,078
ISHARES TR S&P 500 GRWT ETF 464287309 15,098 250,190 SH   SOLE 0 0 0 250,190
ISHARES TR S&P 500 VAL ETF 464287408 17,175 124,960 SH   SOLE 0 0 0 124,960
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 4,090 80,750 SH   SOLE 0 0 0 80,750
JOHNSON & JOHNSON COM 478160104 206 1,168 SH   SOLE 0 0 0 1,168
META PLATFORMS INC CL A 30303M102 213 1,323 SH   SOLE 0 0 0 1,323
MICROSOFT CORP COM 594918104 1,061 4,121 SH   SOLE 0 0 0 4,121
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,158 22,659 SH   SOLE 0 0 0 22,659
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 914 36,273 SH   SOLE 0 0 0 36,273
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,468 68,126 SH   SOLE 0 0 0 68,126
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,924 88,003 SH   SOLE 0 0 0 88,003
SCHWAB STRATEGIC TR US REIT ETF 808524847 243 11,509 SH   SOLE 0 0 0 11,509
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,436 3,805 SH   SOLE 0 0 0 3,805
SPDR SER TR NUVEEN BLOOMBERG 78464A284 252 4,901 SH   SOLE 0 0 0 4,901
SPDR SER TR S&P 600 SMCP GRW 78464A201 571 8,153 SH   SOLE 0 0 0 8,153
TESLA INC COM 88160R101 4,105 6,096 SH   SOLE 0 0 0 6,096
UNITEDHEALTH GROUP INC COM 91324P102 1,392 2,709 SH   SOLE 0 0 0 2,709
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 467 9,403 SH   SOLE 0 0 0 9,403
VANGUARD INDEX FDS GROWTH ETF 922908736 2,957 13,267 SH   SOLE 0 0 0 13,267
VANGUARD INDEX FDS MID CAP ETF 922908629 1,964 9,973 SH   SOLE 0 0 0 9,973
VANGUARD INDEX FDS SM CP VAL ETF 922908611 349 2,348 SH   SOLE 0 0 0 2,348
VANGUARD INDEX FDS SMALL CP ETF 922908751 775 4,396 SH   SOLE 0 0 0 4,396
VANGUARD INDEX FDS VALUE ETF 922908744 17,565 133,210 SH   SOLE 0 0 0 133,210
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 530 10,625 SH   SOLE 0 0 0 10,625
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 244 5,865 SH   SOLE 0 0 0 5,865