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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CLASS C CAP STK CL C 02079K107   269,849 1,614 SH   SOLE   0 0 0
ALTRIA GROUP INC COM 02209S103   248,988 4,878 SH   SOLE   0 0 0
AMAZON.COM INC COM 023135106   682,340 3,662 SH   SOLE   0 0 0
AMEREN CORP COM 023608102   655,680 7,496 SH   SOLE   0 0 0
AMERICAN LITHIUM CORP F COM NEW 027259209   7,260 12,866 SH   SOLE   0 0 0
APPLE INC COM 037833100   1,420,616 6,097 SH   SOLE   0 0 0
AT&T INC COM 00206R102   494,781 22,490 SH   SOLE   0 0 0
AVANTIS US SMALL CAP VALUE ETF ETF 025072323   10,818,358 112,749 SH   SOLE   0 0 0
BLACKROCK MUNIYIELD CF COM 09253W104   581,311 50,858 SH   SOLE   0 0 0
BLACKROCK MUNIYLD QUALIT COM 09254F100   182,391 13,912 SH   SOLE   0 0 0
DIMENSIONAL NATIONL MUNPL BND ETF ETF 25434V849   710,210 14,631 SH   SOLE   0 0 0
DIMENSIONAL SHRT DRT FXDINCM ETF ETF 25434V864   2,247,406 47,075 SH   SOLE   0 0 0
EMERSON ELEC CO COM 291011104   1,072,937 9,810 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   425,657 3,631 SH   SOLE   0 0 0
FIDELITY TOTAL BOND ETF ETF 316188309   496,344 10,619 SH   SOLE   0 0 0
FIRST TRUST MANAGED MUNICIPAL ETF ETF 33739N108   458,065 8,815 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102   529,843 1,307 SH   SOLE   0 0 0
ISHARES IBOXX INVT GRADEBOND ETF ISHARES TR 464287242   304,597 2,696 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF ISHARES TR 464288414   410,078 3,775 SH   SOLE   0 0 0
META PLATFORMS INC CLASS A CL A 30303M102   207,532 362 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   994,781 2,311 SH   SOLE   0 0 0
NEXTERA ENERGY INC COM 65339F101   233,630 2,763 SH   SOLE   0 0 0
NVIDIA CORP COM 67066G104   775,549 6,386 SH   SOLE   0 0 0
PHILIP MORRIS INTL INC COM 718172109   553,788 4,561 SH   SOLE   0 0 0
PROCTER & GAMBLE CO COM 742718109   871,551 5,032 SH   SOLE   0 0 0
SPDR BLOOMBERG 1 3 MNTH T BLL ETF SPDR SER TR 78468R663   5,036,728 54,860 SH   SOLE   0 0 0
TESLA INC COM 88160R101   998,641 3,817 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844   13,773,990 69,544 SH   SOLE   0 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405   7,175,897 65,288 SH   SOLE   0 0 0
VANGUARD HEALTH CARE ETF HEALTH CARE ETF 92204A504   15,831,207 56,099 SH   SOLE   0 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   11,879,471 20,254 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE TERM BOND ETF ETF 921937819   1,571,208 20,048 SH   SOLE   0 0 0
VANGUARD LARGE CAP ETF ETF 922908637   13,981,705 53,103 SH   SOLE   0 0 0
VANGUARD MEGA CAP GROWTHETF ETF 921910816   13,182,118 40,944 SH   SOLE   0 0 0
VANGUARD MID CAP ETF ETF 922908629   8,838,778 33,501 SH   SOLE   0 0 0
VANGUARD MUNI BND TAX EXEMPT ETF ETF 922907746   2,041,639 39,938 SH   SOLE   0 0 0
VANGUARD S&P 500 ETF ETF 922908363   17,971,016 34,057 SH   SOLE   0 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   15,300,835 44,313 SH   SOLE   0 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   620,056 2,319 SH   SOLE   0 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   481,798 6,414 SH   SOLE   0 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   479,432 1,693 SH   SOLE   0 0 0
VISA INC CLASS A COM 92826C839   200,838 730 SH   SOLE   0 0 0
WALMART INC COM 931142103   356,271 4,412 SH   SOLE   0 0 0