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
ISHARES INC MSCI JPN ETF NEW 46434G822 624 10,526 SH   SOLE 0 0 0 10,526
ISHARES TR S&P 500 VAL ETF 464287408 793 6,095 SH   SOLE 0 0 0 6,095
ISHARES TR CORE S&P500 ETF 464287200 667 2,063 SH   SOLE 0 0 0 2,063
SPDR S&P 500 ETF TR TR UNIT 78462F103 567 1,761 SH   SOLE 0 0 0 1,761
AMAZON COM INC COM 023135106 338 183 SH   SOLE 0 0 0 183
MICROSOFT CORP COM 594918104 469 2,976 SH   SOLE 0 0 0 2,976
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 8,686 207,256 SH   SOLE 0 0 0 207,256
ISHARES TR RUS MID CAP ETF 464287499 303 5,080 SH   SOLE 0 0 0 5,080
AUTOMATIC DATA PROCESSING IN COM 053015103 431 2,530 SH   SOLE 0 0 0 2,530
NIKE INC CL B 654106103 646 6,377 SH   SOLE 0 0 0 6,377
JPMORGAN CHASE & CO COM 46625H100 403 2,892 SH   SOLE 0 0 0 2,892
APPLE INC COM 037833100 238 809 SH   SOLE 0 0 0 809
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 8,640 247,481 SH   SOLE 0 0 0 247,481
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,112 25,015 SH   SOLE 0 0 0 25,015
W P CAREY INC COM 92936U109 354 4,417 SH   SOLE 0 0 0 4,417
VANGUARD INDEX FDS VALUE ETF 922908744 5,163 43,075 SH   SOLE 0 0 0 43,075
VANGUARD INDEX FDS MID CAP ETF 922908629 754 4,231 SH   SOLE 0 0 0 4,231
VANGUARD INDEX FDS SM CP VAL ETF 922908611 421 3,075 SH   SOLE 0 0 0 3,075
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 437 4,714 SH   SOLE 0 0 0 4,714
VANGUARD INDEX FDS SMALL CP ETF 922908751 325 1,964 SH   SOLE 0 0 0 1,964
VANGUARD INDEX FDS GROWTH ETF 922908736 5,451 29,924 SH   SOLE 0 0 0 29,924
VANGUARD INDEX FDS SML CP GRW ETF 922908595 558 2,806 SH   SOLE 0 0 0 2,806
CASS INFORMATION SYS INC COM 14808P109 1,121 19,419 SH   SOLE 0 0 0 19,419
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 980 6,174 SH   SOLE 0 0 0 6,174
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 764 6,409 SH   SOLE 0 0 0 6,409
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 497 6,165 SH   SOLE 0 0 0 6,165
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 5,825 160,767 SH   SOLE 0 0 0 160,767
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,195 138,202 SH   SOLE 0 0 0 138,202
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,182 37,097 SH   SOLE 0 0 0 37,097
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,361 30,889 SH   SOLE 0 0 0 30,889
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 13,020 142,408 SH   SOLE 0 0 0 142,408
ISHARES TR EAFE SML CP ETF 464288273 404 6,488 SH   SOLE 0 0 0 6,488
ISHARES TR CRE U S REIT ETF 464288521 2,530 46,343 SH   SOLE 0 0 0 46,343
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 1,214 54,437 SH   SOLE 0 0 0 54,437
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,548 113,170 SH   SOLE 0 0 0 113,170
ISHARES TR MODERT ALLOC ETF 464289875 215 5,349 SH   SOLE 0 0 0 5,349
ISHARES TR AGGRES ALLOC ETF 464289859 211 3,641 SH   SOLE 0 0 0 3,641
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 327 4,036 SH   SOLE 0 0 0 4,036
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 4,095 58,016 SH   SOLE 0 0 0 58,016
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 11,106 360,118 SH   SOLE 0 0 0 360,118
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 211 3,622 SH   SOLE 0 0 0 3,622
PHILLIPS 66 COM 718546104 1,142 10,251 SH   SOLE 0 0 0 10,251
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 10,085 336,632 SH   SOLE 0 0 0 336,632
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 2,909 89,138 SH   SOLE 0 0 0 89,138
ISHARES TR CORE MSCI PAC 46434V696 2,606 44,615 SH   SOLE 0 0 0 44,615
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 6,384 161,789 SH   SOLE 0 0 0 161,789
ISHARES TR ESG MSCI EAFE 46435G516 268 3,903 SH   SOLE 0 0 0 3,903
WORLD GOLD TR SPDR GLD MINIS 98149E204 6,760 446,530 SH   SOLE 0 0 0 446,530