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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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
ALPHABET INC CAP STK CL A 02079K305   345 3,326 SH   SOLE 0 0 0 3,326
ALTRIA GROUP INC COM 02209S103   462 10,355 SH   SOLE 0 0 0 10,355
AMAZON COM INC COM 023135106   607 5,872 SH   SOLE 0 0 0 5,872
AMEREN CORP COM 023608102   222 2,573 SH   SOLE 0 0 0 2,573
APPLE INC COM 037833100   2,570 15,585 SH   SOLE 0 0 0 15,585
APPLIED MATLS INC COM 038222105   2,189 17,820 SH   SOLE 0 0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103   311 1,395 SH   SOLE 0 0 0 1,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,442 4,669 SH   SOLE 0 0 0 4,669
BOEING CO COM 097023105   1,070 5,037 SH   SOLE 0 0 0 5,037
EQUIFAX INC COM 294429105   1,752 8,636 SH   SOLE 0 0 0 8,636
META PLATFORMS INC CL A 30303M102   976 4,607 SH   SOLE 0 0 0 4,607
FORTUNE BRANDS INNOVATIONS I COM 34964C106   270 4,599 SH   SOLE 0 0 0 4,599
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   36,552 450,041 SH   SOLE 0 0 0 450,041
HONEYWELL INTL INC COM 438516106   299 1,562 SH   SOLE 0 0 0 1,562
INVESCO QQQ TR UNIT SER 1 46090E103   12,389 38,602 SH   SOLE 0 0 0 38,602
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   3,371 108,718 SH   SOLE 0 0 0 108,718
ISHARES TR CORE S&P500 ETF 464287200   42,477 103,331 SH   SOLE 0 0 0 103,331
ISHARES TR CORE US AGGBD ET 464287226   335 3,361 SH   SOLE 0 0 0 3,361
ISHARES TR S&P 500 GRWT ETF 464287309   18,088 283,110 SH   SOLE 0 0 0 283,110
ISHARES TR S&P 500 VAL ETF 464287408   20,760 136,792 SH   SOLE 0 0 0 136,792
ISHARES TR CORE S&P MCP ETF 464287507   726 2,903 SH   SOLE 0 0 0 2,903
ISHARES TR COHEN STEER REIT 464287564   207 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR RUS 2000 VAL ETF 464287630   4,448 32,465 SH   SOLE 0 0 0 32,465
ISHARES TR CORE S&P US GWT 464287671   549 6,189 SH   SOLE 0 0 0 6,189
ISHARES TR CORE S&P SCP ETF 464287804   575 5,947 SH   SOLE 0 0 0 5,947
ISHARES TR EAFE SML CP ETF 464288273   1,925 32,348 SH   SOLE 0 0 0 32,348
ISHARES TR GLB INFRASTR ETF 464288372   376 7,875 SH   SOLE 0 0 0 7,875
ISHARES TR EAFE VALUE ETF 464288877   286 5,899 SH   SOLE 0 0 0 5,899
ISHARES TR EAFE GRWTH ETF 464288885   370 3,946 SH   SOLE 0 0 0 3,946
ISHARES TR CORE MSCI EAFE 46432F842   1,156 17,290 SH   SOLE 0 0 0 17,290
ISHARES TR IBONDS DEC23 ETF 46434VAX8   4,066 161,432 SH   SOLE 0 0 0 161,432
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,323 94,711 SH   SOLE 0 0 0 94,711
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,399 97,567 SH   SOLE 0 0 0 97,567
ISHARES TR IBONDS DEC2023 46435G318   2,683 105,499 SH   SOLE 0 0 0 105,499
ISHARES TR CORE INTL AGGR 46435G672   418 8,535 SH   SOLE 0 0 0 8,535
ISHARES TR IBONDS DEC2026 46435GAA0   2,422 102,051 SH   SOLE 0 0 0 102,051
ISHARES TR IBONDS DEC 26 46435U259   939 36,765 SH   SOLE 0 0 0 36,765
ISHARES TR IBONDS DEC 25 46435U432   1,091 41,011 SH   SOLE 0 0 0 41,011
ISHARES TR IBONDS DEC 46435U697   1,147 44,341 SH   SOLE 0 0 0 44,341
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,134 22,337 SH   SOLE 0 0 0 22,337
MERCK & CO INC COM 58933Y105   303 2,844 SH   SOLE 0 0 0 2,844
MICROSOFT CORP COM 594918104   1,574 5,461 SH   SOLE 0 0 0 5,461
NICE LTD SPONSORED ADR 653656108   211 920 SH   SOLE 0 0 0 920
NVIDIA CORPORATION COM 67066G104   276 995 SH   SOLE 0 0 0 995
PEPSICO INC COM 713448108   230 1,261 SH   SOLE 0 0 0 1,261
PHILIP MORRIS INTL INC COM 718172109   896 9,213 SH   SOLE 0 0 0 9,213
PIMCO ETF TR ACTIVE BD ETF 72201R775   577 6,225 SH   SOLE 0 0 0 6,225
PROCTER AND GAMBLE CO COM 742718109   294 1,980 SH   SOLE 0 0 0 1,980
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,588 3,878 SH   SOLE 0 0 0 3,878
SPDR SER TR S&P 600 SMCP GRW 78464A201   323 4,378 SH   SOLE 0 0 0 4,378
SPDR SER TR PRTFLO S&P500 GW 78464A409   218 3,946 SH   SOLE 0 0 0 3,946
SPDR SER TR PRTFLO S&P500 VL 78464A508   204 5,021 SH   SOLE 0 0 0 5,021
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,930 81,240 SH   SOLE 0 0 0 81,240
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,158 47,218 SH   SOLE 0 0 0 47,218
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,716 67,656 SH   SOLE 0 0 0 67,656
SCHWAB STRATEGIC TR US REIT ETF 808524847   557 28,563 SH   SOLE 0 0 0 28,563
TESLA INC COM 88160R101   3,820 18,414 SH   SOLE 0 0 0 18,414
UNITEDHEALTH GROUP INC COM 91324P102   1,280 2,709 SH   SOLE 0 0 0 2,709
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   348 7,120 SH   SOLE 0 0 0 7,120
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   337 6,311 SH   SOLE 0 0 0 6,311
VANGUARD INDEX FDS SM CP VAL ETF 922908611   320 2,015 SH   SOLE 0 0 0 2,015
VANGUARD INDEX FDS MID CAP ETF 922908629   1,285 6,094 SH   SOLE 0 0 0 6,094
VANGUARD INDEX FDS GROWTH ETF 922908736   3,569 14,307 SH   SOLE 0 0 0 14,307
VANGUARD INDEX FDS VALUE ETF 922908744   17,881 129,470 SH   SOLE 0 0 0 129,470
VANGUARD INDEX FDS SMALL CP ETF 922908751   917 4,838 SH   SOLE 0 0 0 4,838