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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 322 3,364 SH   SOLE 0 0 0 3,364
ALTRIA GROUP INC COM 02209S103 419 10,381 SH   SOLE 0 0 0 10,381
AMAZON COM INC COM 023135106 662 5,861 SH   SOLE 0 0 0 5,861
AMEREN CORP COM 023608102 207 2,573 SH   SOLE 0 0 0 2,573
APPLE INC COM 037833100 2,312 16,731 SH   SOLE 0 0 0 16,731
APPLIED MATLS INC COM 038222105 1,460 17,820 SH   SOLE 0 0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103 316 1,395 SH   SOLE 0 0 0 1,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,249 4,674 SH   SOLE 0 0 0 4,674
BOEING CO COM 097023105 622 5,143 SH   SOLE 0 0 0 5,143
EQUIFAX INC COM 294429105 1,506 8,785 SH   SOLE 0 0 0 8,785
EXXON MOBIL CORP COM 30231G102 244 2,792 SH   SOLE 0 0 0 2,792
FORTUNE BRANDS HOME & SEC IN COM 34964C106 250 4,665 SH   SOLE 0 0 0 4,665
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 32,403 456,357 SH   SOLE 0 0 0 456,357
HONEYWELL INTL INC COM 438516106 258 1,547 SH   SOLE 0 0 0 1,547
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,757 107,678 SH   SOLE 0 0 0 107,678
INVESCO QQQ TR UNIT SER 1 46090E103 10,605 39,719 SH   SOLE 0 0 0 39,719
ISHARES TR COHEN STEER REIT 464287564 200 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR CORE INTL AGGR 46435G672 638 13,204 SH   SOLE 0 0 0 13,204
ISHARES TR CORE MSCI EAFE 46432F842 613 11,634 SH   SOLE 0 0 0 11,634
ISHARES TR CORE S&P MCP ETF 464287507 653 2,976 SH   SOLE 0 0 0 2,976
ISHARES TR CORE S&P SCP ETF 464287804 512 5,862 SH   SOLE 0 0 0 5,862
ISHARES TR CORE S&P US GWT 464287671 492 6,134 SH   SOLE 0 0 0 6,134
ISHARES TR CORE S&P500 ETF 464287200 39,216 109,307 SH   SOLE 0 0 0 109,307
ISHARES TR CORE US AGGBD ET 464287226 391 4,069 SH   SOLE 0 0 0 4,069
ISHARES TR EAFE GRWTH ETF 464288885 303 4,186 SH   SOLE 0 0 0 4,186
ISHARES TR EAFE SML CP ETF 464288273 2,237 45,815 SH   SOLE 0 0 0 45,815
ISHARES TR IBONDS DEC 46435U697 940 36,874 SH   SOLE 0 0 0 36,874
ISHARES TR IBONDS DEC 25 46435U432 867 33,586 SH   SOLE 0 0 0 33,586
ISHARES TR IBONDS DEC 26 46435U259 793 32,345 SH   SOLE 0 0 0 32,345
ISHARES TR IBONDS DEC2023 46435G318 2,447 96,841 SH   SOLE 0 0 0 96,841
ISHARES TR IBONDS DEC2026 46435GAA0 1,979 85,789 SH   SOLE 0 0 0 85,789
ISHARES TR IBONDS DEC23 ETF 46434VAX8 3,291 131,888 SH   SOLE 0 0 0 131,888
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,039 83,542 SH   SOLE 0 0 0 83,542
ISHARES TR IBONDS DEC25 ETF 46434VBD1 1,974 81,899 SH   SOLE 0 0 0 81,899
ISHARES TR RUS 2000 VAL ETF 464287630 4,400 34,099 SH   SOLE 0 0 0 34,099
ISHARES TR S&P 500 GRWT ETF 464287309 15,745 272,303 SH   SOLE 0 0 0 272,303
ISHARES TR S&P 500 VAL ETF 464287408 17,081 132,895 SH   SOLE 0 0 0 132,895
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 6,511 129,444 SH   SOLE 0 0 0 129,444
MERCK & CO INC COM 58933Y105 245 2,844 SH   SOLE 0 0 0 2,844
MICROSOFT CORP COM 594918104 1,266 5,428 SH   SOLE 0 0 0 5,428
MONDELEZ INTL INC CL A 609207105 492 8,976 SH   SOLE 0 0 0 8,976
PEPSICO INC COM 713448108 205 1,259 SH   SOLE 0 0 0 1,259
PHILIP MORRIS INTL INC COM 718172109 764 9,213 SH   SOLE 0 0 0 9,213
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,453 16,231 SH   SOLE 0 0 0 16,231
PROCTER AND GAMBLE CO COM 742718109 251 1,988 SH   SOLE 0 0 0 1,988
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 390 17,573 SH   SOLE 0 0 0 17,573
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,255 68,193 SH   SOLE 0 0 0 68,193
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,521 83,187 SH   SOLE 0 0 0 83,187
SCHWAB STRATEGIC TR US REIT ETF 808524847 188 10,224 SH   SOLE 0 0 0 10,224
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,359 3,804 SH   SOLE 0 0 0 3,804
SPDR SER TR S&P 600 SMCP GRW 78464A201 525 7,788 SH   SOLE 0 0 0 7,788
TESLA INC COM 88160R101 4,943 18,632 SH   SOLE 0 0 0 18,632
UNITEDHEALTH GROUP INC COM 91324P102 1,369 2,709 SH   SOLE 0 0 0 2,709
VANGUARD INDEX FDS GROWTH ETF 922908736 2,955 13,801 SH   SOLE 0 0 0 13,801
VANGUARD INDEX FDS MID CAP ETF 922908629 1,285 6,845 SH   SOLE 0 0 0 6,845
VANGUARD INDEX FDS SM CP VAL ETF 922908611 323 2,262 SH   SOLE 0 0 0 2,262
VANGUARD INDEX FDS SMALL CP ETF 922908751 737 4,319 SH   SOLE 0 0 0 4,319
VANGUARD INDEX FDS VALUE ETF 922908744 16,668 135,034 SH   SOLE 0 0 0 135,034
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 427 9,642 SH   SOLE 0 0 0 9,642
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 204 5,603 SH   SOLE 0 0 0 5,603