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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   400,749 3,543 SH   SOLE Clayton Financial Group 0 0 3,543
ABBVIE INC COM 00287Y109   644,696 3,628 SH   SOLE Clayton Financial Group 0 0 3,628
AFFIMED N V ORDINARY SHS NEW N01045207   17,850 15,000 SH   SOLE Clayton Financial Group 0 0 15,000
ALLSTATE CORP COM 020002101   264,701 1,373 SH   SOLE Clayton Financial Group 0 0 1,373
ALPHABET INC CAP STK CL C 02079K107   233,289 1,225 SH   SOLE Clayton Financial Group 0 0 1,225
ALTRIA GROUP INC COM 02209S103   219,412 4,196 SH   SOLE Clayton Financial Group 0 0 4,196
AMAZON COM INC COM 023135106   477,393 2,176 SH   SOLE Clayton Financial Group 0 0 2,176
AMEREN CORP COM 023608102   275,710 3,093 SH   SOLE Clayton Financial Group 0 0 3,093
APPLE INC COM 037833100   9,071,624 36,226 SH   SOLE Clayton Financial Group 0 0 36,226
AT&T INC COM 00206R102   254,909 11,195 SH   SOLE Clayton Financial Group 0 0 11,195
AUTOMATIC DATA PROCESSING IN COM 053015103   238,283 814 SH   SOLE Clayton Financial Group 0 0 814
BANK AMERICA CORP COM 060505104   259,042 5,894 SH   SOLE Clayton Financial Group 0 0 5,894
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,361,840 2 SH   SOLE Clayton Financial Group 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   869,392 1,918 SH   SOLE Clayton Financial Group 0 0 1,918
BOEING CO COM 097023105   1,103,595 6,235 SH   SOLE Clayton Financial Group 0 0 6,235
BROADCOM INC COM 11135F101   242,737 1,047 SH   SOLE Clayton Financial Group 0 0 1,047
CHEVRON CORP NEW COM 166764100   235,655 1,627 SH   SOLE Clayton Financial Group 0 0 1,627
CHUBB LIMITED COM H1467J104   228,224 826 SH   SOLE Clayton Financial Group 0 0 826
CISCO SYS INC COM 17275R102   277,826 4,693 SH   SOLE Clayton Financial Group 0 0 4,693
COCA COLA CO COM 191216100   364,342 5,852 SH   SOLE Clayton Financial Group 0 0 5,852
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   649,971 18,319 SH   SOLE Clayton Financial Group 0 0 18,319
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   571,848 10,274 SH   SOLE Clayton Financial Group 0 0 10,274
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   259,042 10,420 SH   SOLE Clayton Financial Group 0 0 10,420
DUKE ENERGY CORP NEW COM NEW 26441C204   380,706 3,534 SH   SOLE Clayton Financial Group 0 0 3,534
EMERSON ELEC CO COM 291011104   349,607 2,821 SH   SOLE Clayton Financial Group 0 0 2,821
ENTERPRISE PRODS PARTNERS L COM 293792107   685,122 21,847 SH   SOLE Clayton Financial Group 0 0 21,847
ETF SER SOLUTIONS DISTILLATE US 26922A321   4,376,378 79,681 SH   SOLE Clayton Financial Group 0 0 79,681
EXXON MOBIL CORP COM 30231G102   993,533 9,236 SH   SOLE Clayton Financial Group 0 0 9,236
GE AEROSPACE COM NEW 369604301   377,780 2,265 SH   SOLE Clayton Financial Group 0 0 2,265
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   247,148 4,081 SH   SOLE Clayton Financial Group 0 0 4,081
HOME DEPOT INC COM 437076102   546,489 1,405 SH   SOLE Clayton Financial Group 0 0 1,405
HONEYWELL INTL INC COM 438516106   244,865 1,084 SH   SOLE Clayton Financial Group 0 0 1,084
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   238,349 4,398 SH   SOLE Clayton Financial Group 0 0 4,398
INVESCO QQQ TR UNIT SER 1 46090E103   3,806,134 7,445 SH   SOLE Clayton Financial Group 0 0 7,445
IRON MTN INC DEL COM 46284V101   220,942 2,102 SH   SOLE Clayton Financial Group 0 0 2,102
ISHARES INC CORE MSCI EMKT 46434G103   3,668,625 70,253 SH   SOLE Clayton Financial Group 0 0 70,253
ISHARES TR COHEN STEER REIT 464287564   817,812 13,571 SH   SOLE Clayton Financial Group 0 0 13,571
ISHARES TR CORE MSCI EAFE 46432F842   5,851,938 83,266 SH   SOLE Clayton Financial Group 0 0 83,266
ISHARES TR CORE S&P SCP ETF 464287804   291,898 2,533 SH   SOLE Clayton Financial Group 0 0 2,533
ISHARES TR CORE S&P500 ETF 464287200   5,255,536 8,928 SH   SOLE Clayton Financial Group 0 0 8,928
ISHARES TR EAFE GRWTH ETF 464288885   3,892,042 40,195 SH   SOLE Clayton Financial Group 0 0 40,195
ISHARES TR EAFE SML CP ETF 464288273   775,599 12,767 SH   SOLE Clayton Financial Group 0 0 12,767
ISHARES TR EAFE VALUE ETF 464288877   2,745,058 52,317 SH   SOLE Clayton Financial Group 0 0 52,317
ISHARES TR MSCI EAFE ETF 464287465   770,673 10,193 SH   SOLE Clayton Financial Group 0 0 10,193
ISHARES TR RUS 1000 ETF 464287622   1,977,656 6,139 SH   SOLE Clayton Financial Group 0 0 6,139
ISHARES TR RUS 1000 GRW ETF 464287614   13,827,704 34,433 SH   SOLE Clayton Financial Group 0 0 34,433
ISHARES TR RUS 1000 VAL ETF 464287598   8,265,666 44,648 SH   SOLE Clayton Financial Group 0 0 44,648
ISHARES TR RUS 2000 GRW ETF 464287648   1,708,932 5,938 SH   SOLE Clayton Financial Group 0 0 5,938
ISHARES TR RUS 2000 VAL ETF 464287630   2,071,047 12,615 SH   SOLE Clayton Financial Group 0 0 12,615
ISHARES TR RUS MD CP GR ETF 464287481   239,755 1,892 SH   SOLE Clayton Financial Group 0 0 1,892
ISHARES TR RUS MDCP VAL ETF 464287473   400,877 3,099 SH   SOLE Clayton Financial Group 0 0 3,099
ISHARES TR RUS MID CAP ETF 464287499   356,813 4,036 SH   SOLE Clayton Financial Group 0 0 4,036
ISHARES TR RUSSELL 2000 ETF 464287655   651,221 2,947 SH   SOLE Clayton Financial Group 0 0 2,947
ISHARES TR S&P 500 GRWT ETF 464287309   1,268,571 12,495 SH   SOLE Clayton Financial Group 0 0 12,495
ISHARES TR S&P 500 VAL ETF 464287408   423,825 2,220 SH   SOLE Clayton Financial Group 0 0 2,220
ISHARES TR S&P MC 400GR ETF 464287606   431,591 4,746 SH   SOLE Clayton Financial Group 0 0 4,746
ISHARES TR S&P MC 400VL ETF 464287705   260,573 2,085 SH   SOLE Clayton Financial Group 0 0 2,085
ISHARES TR S&P SML 600 GWT 464287887   6,300,819 46,545 SH   SOLE Clayton Financial Group 0 0 46,545
ISHARES TR SP SMCP600VL ETF 464287879   4,586,491 42,229 SH   SOLE Clayton Financial Group 0 0 42,229
ISHARES TR ULTRA SHORT-TERM 46434V878   840,266 16,662 SH   SOLE Clayton Financial Group 0 0 16,662
ISHARES U S ETF TR SHORT DURATION B 46431W507   3,829,961 75,841 SH   SOLE Clayton Financial Group 0 0 75,841
JOHNSON & JOHNSON COM 478160104   896,211 6,197 SH   SOLE Clayton Financial Group 0 0 6,197
JOHNSON CTLS INTL PLC SHS G51502105   244,447 3,097 SH   SOLE Clayton Financial Group 0 0 3,097
JPMORGAN CHASE & CO. COM 46625H100   745,259 3,109 SH   SOLE Clayton Financial Group 0 0 3,109
MANAGED PORTFOLIO SERIES TORTOISE GLOBAL 56167N753   961,453 20,489 SH   SOLE Clayton Financial Group 0 0 20,489
MERCK & CO INC COM 58933Y105   576,388 5,794 SH   SOLE Clayton Financial Group 0 0 5,794
MESOBLAST LTD SPONS ADR 590717401   275,082 13,893 SH   SOLE Clayton Financial Group 0 0 13,893
META PLATFORMS INC CL A 30303M102   452,317 773 SH   SOLE Clayton Financial Group 0 0 773
MICROSOFT CORP COM 594918104   1,807,392 4,288 SH   SOLE Clayton Financial Group 0 0 4,288
MORGAN STANLEY COM NEW 617446448   243,520 1,937 SH   SOLE Clayton Financial Group 0 0 1,937
NEXTERA ENERGY INC COM 65339F101   285,757 3,986 SH   SOLE Clayton Financial Group 0 0 3,986
NOVARTIS AG SPONSORED ADR 66987V109   210,774 2,166 SH   SOLE Clayton Financial Group 0 0 2,166
NVIDIA CORPORATION COM 67066G104   557,718 4,153 SH   SOLE Clayton Financial Group 0 0 4,153
ONEOK INC NEW COM 682680103   464,551 4,627 SH   SOLE Clayton Financial Group 0 0 4,627
ORACLE CORP COM 68389X105   671,060 4,027 SH   SOLE Clayton Financial Group 0 0 4,027
PEPSICO INC COM 713448108   631,863 4,155 SH   SOLE Clayton Financial Group 0 0 4,155
PHILIP MORRIS INTL INC COM 718172109   405,219 3,367 SH   SOLE Clayton Financial Group 0 0 3,367
PROCTER AND GAMBLE CO COM 742718109   973,108 5,804 SH   SOLE Clayton Financial Group 0 0 5,804
PROSHARES TR ULTRPRO S&P500 74347X864   239,328 2,700 SH   SOLE Clayton Financial Group 0 0 2,700
QUALCOMM INC COM 747525103   210,767 1,372 SH   SOLE Clayton Financial Group 0 0 1,372
RTX CORPORATION COM 75513E101   329,224 2,845 SH   SOLE Clayton Financial Group 0 0 2,845
S&P GLOBAL INC COM 78409V104   389,460 782 SH   SOLE Clayton Financial Group 0 0 782
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,272,633 47,789 SH   SOLE Clayton Financial Group 0 0 47,789
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,309,074 70,761 SH   SOLE Clayton Financial Group 0 0 70,761
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,229,543 115,879 SH   SOLE Clayton Financial Group 0 0 115,879
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   987,396 37,875 SH   SOLE Clayton Financial Group 0 0 37,875
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,806,105 336,760 SH   SOLE Clayton Financial Group 0 0 336,760
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,422,265 87,415 SH   SOLE Clayton Financial Group 0 0 87,415
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,742,502 106,052 SH   SOLE Clayton Financial Group 0 0 106,052
SELECT SECTOR SPDR TR ENERGY 81369Y506   763,447 8,913 SH   SOLE Clayton Financial Group 0 0 8,913
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   219,831 2,613 SH   SOLE Clayton Financial Group 0 0 2,613
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   388,010 1,669 SH   SOLE Clayton Financial Group 0 0 1,669
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,566,584 4,379 SH   SOLE Clayton Financial Group 0 0 4,379
SPDR SER TR S&P DIVID ETF 78464A763   286,238 2,167 SH   SOLE Clayton Financial Group 0 0 2,167
STIFEL FINL CORP COM 860630102   2,653,273 25,012 SH   SOLE Clayton Financial Group 0 0 25,012
TARGET CORP COM 87612E106   213,451 1,579 SH   SOLE Clayton Financial Group 0 0 1,579
THE CIGNA GROUP COM 125523100   503,780 1,824 SH   SOLE Clayton Financial Group 0 0 1,824
TJX COS INC NEW COM 872540109   1,195,536 9,896 SH   SOLE Clayton Financial Group 0 0 9,896
UNION PAC CORP COM 907818108   392,229 1,720 SH   SOLE Clayton Financial Group 0 0 1,720
UNITEDHEALTH GROUP INC COM 91324P102   2,008,505 3,970 SH   SOLE Clayton Financial Group 0 0 3,970
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   592,980 8,246 SH   SOLE Clayton Financial Group 0 0 8,246
VANGUARD INDEX FDS GROWTH ETF 922908736   26,241,388 63,935 SH   SOLE Clayton Financial Group 0 0 63,935
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,096,896 7,775 SH   SOLE Clayton Financial Group 0 0 7,775
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   19,751,346 77,838 SH   SOLE Clayton Financial Group 0 0 77,838
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   17,535,639 108,399 SH   SOLE Clayton Financial Group 0 0 108,399
VANGUARD INDEX FDS MID CAP ETF 922908629   5,445,297 20,616 SH   SOLE Clayton Financial Group 0 0 20,616
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,429,226 16,044 SH   SOLE Clayton Financial Group 0 0 16,044
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,277,786 56,907 SH   SOLE Clayton Financial Group 0 0 56,907
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,595,184 19,124 SH   SOLE Clayton Financial Group 0 0 19,124
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,878,130 31,701 SH   SOLE Clayton Financial Group 0 0 31,701
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,003,186 3,462 SH   SOLE Clayton Financial Group 0 0 3,462
VANGUARD INDEX FDS VALUE ETF 922908744   25,199,906 148,848 SH   SOLE Clayton Financial Group 0 0 148,848
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   321,027 7,289 SH   SOLE Clayton Financial Group 0 0 7,289
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   342,815 1,751 SH   SOLE Clayton Financial Group 0 0 1,751
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   745,256 15,585 SH   SOLE Clayton Financial Group 0 0 15,585
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   363,122 2,846 SH   SOLE Clayton Financial Group 0 0 2,846
VISA INC COM CL A 92826C839   210,799 667 SH   SOLE Clayton Financial Group 0 0 667
VULCAN MATLS CO COM 929160109   212,819 9,463 SH   SOLE Clayton Financial Group 0 0 9,463
WALMART INC COM 931142103   657,481 7,277 SH   SOLE Clayton Financial Group 0 0 7,277
WEC ENERGY GROUP INC COM 92939U106   246,032 2,616 SH   SOLE Clayton Financial Group 0 0 2,616
WISDOMTREE TR EMER MKT HIGH FD 97717W315   5,382,010 132,922 SH   SOLE Clayton Financial Group 0 0 132,922