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 253 116 SH   SOLE   0 0 116
AMAZON COM INC COM 023135106 246 2,320 SH   SOLE   0 0 2,320
AMEREN CORP COM 023608102 319 3,530 SH   SOLE   0 0 3,530
APPLE INC COM 037833100 1,138 8,323 SH   SOLE   0 0 8,323
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 433 1,587 SH   SOLE   0 0 1,587
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 233 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 357 2,528 SH   SOLE   0 0 2,528
INVESCO QQQ TR UNIT SER 1 46090E103 259 925 SH   SOLE   0 0 925
ISHARES INC CORE MSCI EMKT 46434G103 17,697 360,729 SH   SOLE   0 0 360,729
ISHARES INC MSCI EMRG CHN 46434G764 231 4,840 SH   SOLE   0 0 4,840
ISHARES TR CORE MSCI EAFE 46432F842 598 10,161 SH   SOLE   0 0 10,161
ISHARES TR CORE S&P MCP ETF 464287507 19,682 87,000 SH   SOLE   0 0 87,000
ISHARES TR CORE S&P SCP ETF 464287804 244 2,643 SH   SOLE   0 0 2,643
ISHARES TR CORE S&P500 ETF 464287200 4,147 10,937 SH   SOLE   0 0 10,937
ISHARES TR EAFE SML CP ETF 464288273 12,724 233,080 SH   SOLE   0 0 233,080
ISHARES TR JPMORGAN USD EMG 464288281 917 10,747 SH   SOLE   0 0 10,747
ISHARES TR MICRO-CAP ETF 464288869 648 6,232 SH   SOLE   0 0 6,232
ISHARES TR MORNINGSTAR GRWT 464287119 2,072 41,356 SH   SOLE   0 0 41,356
ISHARES TR MORNINGSTAR VALU 464288109 758 12,556 SH   SOLE   0 0 12,556
ISHARES TR MORNINGSTR US EQ 464287127 3,161 60,843 SH   SOLE   0 0 60,843
ISHARES TR MRGSTR MD CP ETF 464288208 2,162 38,370 SH   SOLE   0 0 38,370
ISHARES TR MRGSTR MD CP GRW 464288307 226 4,342 SH   SOLE   0 0 4,342
ISHARES TR MRGSTR SM CP ETF 464288505 1,438 32,492 SH   SOLE   0 0 32,492
ISHARES TR MSCI ACWI ETF 464288257 365 4,345 SH   SOLE   0 0 4,345
ISHARES TR MSCI EAFE ETF 464287465 449 7,184 SH   SOLE   0 0 7,184
ISHARES TR MSCI EMG MKT ETF 464287234 786 19,602 SH   SOLE   0 0 19,602
ISHARES TR RUS 1000 ETF 464287622 1,682 8,094 SH   SOLE   0 0 8,094
ISHARES TR RUS 1000 GRW ETF 464287614 8,550 39,093 SH   SOLE   0 0 39,093
ISHARES TR RUS 1000 VAL ETF 464287598 4,612 31,816 SH   SOLE   0 0 31,816
ISHARES TR RUS MID CAP ETF 464287499 359 5,552 SH   SOLE   0 0 5,552
ISHARES TR RUSSELL 2000 ETF 464287655 1,211 7,153 SH   SOLE   0 0 7,153
ISHARES TR S&P 500 GRWT ETF 464287309 282 4,676 SH   SOLE   0 0 4,676
ISHARES TR SHRT NAT MUN ETF 464288158 1,374 13,126 SH   SOLE   0 0 13,126
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 4,953 100,555 SH   SOLE   0 0 100,555
JOHNSON & JOHNSON COM 478160104 372 2,093 SH   SOLE   0 0 2,093
MASTERCARD INCORPORATED CL A 57636Q104 882 2,795 SH   SOLE   0 0 2,795
MICROSOFT CORP COM 594918104 1,231 4,792 SH   SOLE   0 0 4,792
PALANTIR TECHNOLOGIES INC CL A 69608A108 2,054 226,472 SH   SOLE   0 0 226,472
PANBELA THERAPEUTICS INC COM 69833W107 38 57,144 SH   SOLE   0 0 57,144
PEPSICO INC COM 713448108 398 2,387 SH   SOLE   0 0 2,387
PFIZER INC COM 717081103 692 13,197 SH   SOLE   0 0 13,197
PROCTER AND GAMBLE CO COM 742718109 553 3,847 SH   SOLE   0 0 3,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,505 335,089 SH   SOLE   0 0 335,089
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,473 364,813 SH   SOLE   0 0 364,813
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,843 219,130 SH   SOLE   0 0 219,130
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 211 4,284 SH   SOLE   0 0 4,284
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 652 13,625 SH   SOLE   0 0 13,625
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,103 53,503 SH   SOLE   0 0 53,503
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,886 94,293 SH   SOLE   0 0 94,293
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,579 169,694 SH   SOLE   0 0 169,694
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,152 82,123 SH   SOLE   0 0 82,123
SCHWAB STRATEGIC TR US REIT ETF 808524847 202 9,575 SH   SOLE   0 0 9,575
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,323 110,865 SH   SOLE   0 0 110,865
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 217 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 449 10,165 SH   SOLE   0 0 10,165
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 451 15,606 SH   SOLE   0 0 15,606
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,556 4,125 SH   SOLE   0 0 4,125
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 364 881 SH   SOLE   0 0 881
UNITEDHEALTH GROUP INC COM 91324P102 1,767 3,441 SH   SOLE   0 0 3,441
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 611 7,960 SH   SOLE   0 0 7,960
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 377 5,003 SH   SOLE   0 0 5,003
VANGUARD INDEX FDS GROWTH ETF 922908736 757 3,394 SH   SOLE   0 0 3,394
VANGUARD INDEX FDS MID CAP ETF 922908629 9,666 49,073 SH   SOLE   0 0 49,073
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 865 2,495 SH   SOLE   0 0 2,495
VANGUARD INDEX FDS SM CP VAL ETF 922908611 657 4,385 SH   SOLE   0 0 4,385
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,340 13,290 SH   SOLE   0 0 13,290
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 878 17,568 SH   SOLE   0 0 17,568
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,745 41,901 SH   SOLE   0 0 41,901
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 282 5,343 SH   SOLE   0 0 5,343
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 461 4,469 SH   SOLE   0 0 4,469
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,051 12,314 SH   SOLE   0 0 12,314
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 259 5,164 SH   SOLE   0 0 5,164
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 9,155 162,674 SH   SOLE   0 0 162,674
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 5,031 79,168 SH   SOLE   0 0 79,168
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 216 3,166 SH   SOLE   0 0 3,166
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 538 13,184 SH   SOLE   0 0 13,184
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,857 14,089 SH   SOLE   0 0 14,089