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
AMEREN CORP COM 023608102 BBG001S5NF24 315,368 3,547 SH   SOLE   0 0 3,547
APPLE INC COM 037833100 BBG001S5N8V8 806,183 6,205 SH   SOLE   0 0 6,205
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 483,737 1,566 SH   SOLE   0 0 1,566
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 228,979 8,962 SH   SOLE   0 0 8,962
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 245,419 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 316,157 2,244 SH   SOLE   0 0 2,244
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 219,947 826 SH   SOLE   0 0 826
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 18,655,425 399,474 SH   SOLE   0 0 399,474
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 297,228 4,822 SH   SOLE   0 0 4,822
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 20,064,406 82,948 SH   SOLE   0 0 82,948
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 247,768 2,618 SH   SOLE   0 0 2,618
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,220,715 10,985 SH   SOLE   0 0 10,985
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 15,057,970 266,607 SH   SOLE   0 0 266,607
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 760,256 8,988 SH   SOLE   0 0 8,988
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 627,678 5,821 SH   SOLE   0 0 5,821
ISHARES TR MORNINGSTAR GRWT 464287119 BBG001SBRHJ5 1,856,426 38,135 SH   SOLE   0 0 38,135
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 793,916 12,556 SH   SOLE   0 0 12,556
ISHARES TR MORNINGSTR US EQ 464287127 BBG001SBR743 3,199,179 60,775 SH   SOLE   0 0 60,775
ISHARES TR MRGSTR MD CP ETF 464288208 BBG001SBRK26 2,251,173 38,370 SH   SOLE   0 0 38,370
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 233,947 4,342 SH   SOLE   0 0 4,342
ISHARES TR MRGSTR SM CP ETF 464288505 BBG001SBRKC5 1,481,659 32,492 SH   SOLE   0 0 32,492
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 378,460 4,459 SH   SOLE   0 0 4,459
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 431,583 6,575 SH   SOLE   0 0 6,575
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 743,371 19,614 SH   SOLE   0 0 19,614
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,704,970 8,099 SH   SOLE   0 0 8,099
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 8,247,643 38,497 SH   SOLE   0 0 38,497
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 4,767,236 31,436 SH   SOLE   0 0 31,436
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 374,503 5,552 SH   SOLE   0 0 5,552
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,207,613 6,926 SH   SOLE   0 0 6,926
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 225,108 3,848 SH   SOLE   0 0 3,848
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,368,648 13,126 SH   SOLE   0 0 13,126
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 4,674,343 94,872 SH   SOLE   0 0 94,872
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 358,246 2,028 SH   SOLE   0 0 2,028
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 904,446 2,601 SH   SOLE   0 0 2,601
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,118,962 4,666 SH   SOLE   0 0 4,666
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 1,453,950 226,472 SH   SOLE   0 0 226,472
PEPSICO INC COM 713448108 BBG001S695T1 423,467 2,344 SH   SOLE   0 0 2,344
PFIZER INC COM 717081103 BBG001S5V466 449,119 8,765 SH   SOLE   0 0 8,765
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 465,043 3,068 SH   SOLE   0 0 3,068
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 7,542,975 318,672 SH   SOLE   0 0 318,672
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 9,718,098 301,711 SH   SOLE   0 0 301,711
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,058,491 192,516 SH   SOLE   0 0 192,516
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 208,286 4,318 SH   SOLE   0 0 4,318
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 601,048 13,166 SH   SOLE   0 0 13,166
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 3,114,539 56,057 SH   SOLE   0 0 56,057
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,859,943 103,907 SH   SOLE   0 0 103,907
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,481,941 165,713 SH   SOLE   0 0 165,713
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,511,669 99,248 SH   SOLE   0 0 99,248
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 197,013 10,213 SH   SOLE   0 0 10,213
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,422,669 109,175 SH   SOLE   0 0 109,175
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 223,650 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 BBG001T2P370 607,812 14,861 SH   SOLE   0 0 14,861
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 572,377 19,462 SH   SOLE   0 0 19,462
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,612,707 4,217 SH   SOLE   0 0 4,217
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 307,296 694 SH   SOLE   0 0 694
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,689,453 3,187 SH   SOLE   0 0 3,187
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 616,178 8,185 SH   SOLE   0 0 8,185
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 362,274 5,043 SH   SOLE   0 0 5,043
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 275,977 1,295 SH   SOLE   0 0 1,295
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,918,382 48,665 SH   SOLE   0 0 48,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,071,726 3,050 SH   SOLE   0 0 3,050
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 724,922 4,565 SH   SOLE   0 0 4,565
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,253,016 12,275 SH   SOLE   0 0 12,275
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,045,510 20,852 SH   SOLE   0 0 20,852
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,832,118 47,001 SH   SOLE   0 0 47,001
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 288,137 5,197 SH   SOLE   0 0 5,197
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 444,756 4,326 SH   SOLE   0 0 4,326
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 945,231 10,967 SH   SOLE   0 0 10,967
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 249,525 5,342 SH   SOLE   0 0 5,342
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 279,668 5,651 SH   SOLE   0 0 5,651
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 9,160,027 166,183 SH   SOLE   0 0 166,183
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 6,396,958 96,079 SH   SOLE   0 0 96,079
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 222,791 3,166 SH   SOLE   0 0 3,166
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 434,301 10,348 SH   SOLE   0 0 10,348
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 1,865,384 14,089 SH   SOLE   0 0 14,089