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   469,979 3,543 SH   SOLE Clayton Financial Group 0 0 3,543
ABBVIE INC COM 00287Y109   760,139 3,628 SH   SOLE Clayton Financial Group 0 0 3,628
AFFIMED N V ORDINARY SHS NEW N01045207   10,848 15,000 SH   SOLE Clayton Financial Group 0 0 15,000
ALLSTATE CORP COM 020002101   284,308 1,373 SH   SOLE Clayton Financial Group 0 0 1,373
ALTRIA GROUP INC COM 02209S103   230,824 3,846 SH   SOLE Clayton Financial Group 0 0 3,846
AMAZON COM INC COM 023135106   418,002 2,197 SH   SOLE Clayton Financial Group 0 0 2,197
AMEREN CORP COM 023608102   307,556 3,063 SH   SOLE Clayton Financial Group 0 0 3,063
APPLE INC COM 037833100   8,022,739 36,117 SH   SOLE Clayton Financial Group 0 0 36,117
AT&T INC COM 00206R102   316,816 11,203 SH   SOLE Clayton Financial Group 0 0 11,203
AUTOMATIC DATA PROCESSING IN COM 053015103   225,176 737 SH   SOLE Clayton Financial Group 0 0 737
BANK AMERICA CORP COM 060505104   245,957 5,894 SH   SOLE Clayton Financial Group 0 0 5,894
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,596,884 2 SH   SOLE Clayton Financial Group 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,098,180 2,062 SH   SOLE Clayton Financial Group 0 0 2,062
BOEING CO COM 097023105   1,047,007 6,139 SH   SOLE Clayton Financial Group 0 0 6,139
CATERPILLAR INC COM 149123101   202,827 615 SH   SOLE Clayton Financial Group 0 0 615
CHEVRON CORP NEW COM 166764100   284,728 1,702 SH   SOLE Clayton Financial Group 0 0 1,702
CHUBB LIMITED COM H1467J104   230,117 762 SH   SOLE Clayton Financial Group 0 0 762
CISCO SYS INC COM 17275R102   289,606 4,693 SH   SOLE Clayton Financial Group 0 0 4,693
COCA COLA CO COM 191216100   419,116 5,852 SH   SOLE Clayton Financial Group 0 0 5,852
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   627,015 15,930 SH   SOLE Clayton Financial Group 0 0 15,930
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   529,375 10,281 SH   SOLE Clayton Financial Group 0 0 10,281
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   273,004 10,420 SH   SOLE Clayton Financial Group 0 0 10,420
DUKE ENERGY CORP NEW COM NEW 26441C204   431,396 3,537 SH   SOLE Clayton Financial Group 0 0 3,537
EMERSON ELEC CO COM 291011104   294,713 2,688 SH   SOLE Clayton Financial Group 0 0 2,688
ETF SER SOLUTIONS DISTILLATE US 26922A321   4,307,049 79,407 SH   SOLE Clayton Financial Group 0 0 79,407
EXXON MOBIL CORP COM 30231G102   1,033,872 8,693 SH   SOLE Clayton Financial Group 0 0 8,693
GE AEROSPACE COM NEW 369604301   453,340 2,265 SH   SOLE Clayton Financial Group 0 0 2,265
GENERAL DYNAMICS CORP COM 369550108   203,068 745 SH   SOLE Clayton Financial Group 0 0 745
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   265,024 4,153 SH   SOLE Clayton Financial Group 0 0 4,153
HOME DEPOT INC COM 437076102   490,848 1,339 SH   SOLE Clayton Financial Group 0 0 1,339
HONEYWELL INTL INC COM 438516106   229,537 1,084 SH   SOLE Clayton Financial Group 0 0 1,084
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   244,901 4,398 SH   SOLE Clayton Financial Group 0 0 4,398
INVESCO QQQ TR UNIT SER 1 46090E103   3,491,134 7,445 SH   SOLE Clayton Financial Group 0 0 7,445
ISHARES INC CORE MSCI EMKT 46434G103   4,090,832 75,798 SH   SOLE Clayton Financial Group 0 0 75,798
ISHARES TR COHEN STEER REIT 464287564   749,444 12,180 SH   SOLE Clayton Financial Group 0 0 12,180
ISHARES TR CORE HIGH DV ETF 46429B663   209,255 1,728 SH   SOLE Clayton Financial Group 0 0 1,728
ISHARES TR CORE MSCI EAFE 46432F842   7,153,765 94,564 SH   SOLE Clayton Financial Group 0 0 94,564
ISHARES TR CORE S&P MCP ETF 464287507   215,845 3,699 SH   SOLE Clayton Financial Group 0 0 3,699
ISHARES TR CORE S&P SCP ETF 464287804   261,488 2,501 SH   SOLE Clayton Financial Group 0 0 2,501
ISHARES TR CORE S&P500 ETF 464287200   5,088,978 9,057 SH   SOLE Clayton Financial Group 0 0 9,057
ISHARES TR EAFE GRWTH ETF 464288885   3,604,598 36,046 SH   SOLE Clayton Financial Group 0 0 36,046
ISHARES TR EAFE SML CP ETF 464288273   840,322 13,227 SH   SOLE Clayton Financial Group 0 0 13,227
ISHARES TR EAFE VALUE ETF 464288877   3,146,048 53,377 SH   SOLE Clayton Financial Group 0 0 53,377
ISHARES TR MSCI EAFE ETF 464287465   807,981 9,886 SH   SOLE Clayton Financial Group 0 0 9,886
ISHARES TR RUS 1000 ETF 464287622   1,904,240 6,208 SH   SOLE Clayton Financial Group 0 0 6,208
ISHARES TR RUS 1000 GRW ETF 464287614   12,237,662 33,891 SH   SOLE Clayton Financial Group 0 0 33,891
ISHARES TR RUS 1000 VAL ETF 464287598   8,471,160 45,021 SH   SOLE Clayton Financial Group 0 0 45,021
ISHARES TR RUS 2000 GRW ETF 464287648   1,507,951 5,901 SH   SOLE Clayton Financial Group 0 0 5,901
ISHARES TR RUS 2000 VAL ETF 464287630   1,912,130 12,665 SH   SOLE Clayton Financial Group 0 0 12,665
ISHARES TR RUS MD CP GR ETF 464287481   226,526 1,928 SH   SOLE Clayton Financial Group 0 0 1,928
ISHARES TR RUS MDCP VAL ETF 464287473   401,008 3,183 SH   SOLE Clayton Financial Group 0 0 3,183
ISHARES TR RUS MID CAP ETF 464287499   342,445 4,025 SH   SOLE Clayton Financial Group 0 0 4,025
ISHARES TR RUSSELL 2000 ETF 464287655   570,668 2,861 SH   SOLE Clayton Financial Group 0 0 2,861
ISHARES TR S&P 500 GRWT ETF 464287309   1,159,929 12,495 SH   SOLE Clayton Financial Group 0 0 12,495
ISHARES TR S&P 500 VAL ETF 464287408   411,708 2,160 SH   SOLE Clayton Financial Group 0 0 2,160
ISHARES TR S&P MC 400GR ETF 464287606   394,401 4,736 SH   SOLE Clayton Financial Group 0 0 4,736
ISHARES TR S&P MC 400VL ETF 464287705   245,843 2,053 SH   SOLE Clayton Financial Group 0 0 2,053
ISHARES TR S&P SML 600 GWT 464287887   5,957,889 47,855 SH   SOLE Clayton Financial Group 0 0 47,855
ISHARES TR SP SMCP600VL ETF 464287879   4,134,745 42,416 SH   SOLE Clayton Financial Group 0 0 42,416
ISHARES TR ULTRA SHORT-TERM 46434V878   772,041 15,228 SH   SOLE Clayton Financial Group 0 0 15,228
ISHARES U S ETF TR SHORT DURATION B 46431W507   4,086,530 80,333 SH   SOLE Clayton Financial Group 0 0 80,333
JOHNSON & JOHNSON COM 478160104   872,982 5,264 SH   SOLE Clayton Financial Group 0 0 5,264
JOHNSON CTLS INTL PLC SHS G51502105   248,101 3,097 SH   SOLE Clayton Financial Group 0 0 3,097
JPMORGAN CHASE & CO. COM 46625H100   714,805 2,914 SH   SOLE Clayton Financial Group 0 0 2,914
MANAGED PORTFOLIO SERIES TORTOISE GLOBAL 56167N753   952,885 20,136 SH   SOLE Clayton Financial Group 0 0 20,136
MEDTRONIC PLC SHS G5960L103   221,505 2,465 SH   SOLE Clayton Financial Group 0 0 2,465
MERCK & CO INC COM 58933Y105   513,248 5,718 SH   SOLE Clayton Financial Group 0 0 5,718
MESOBLAST LTD SPONS ADR 590717401   173,385 13,893 SH   SOLE Clayton Financial Group 0 0 13,893
META PLATFORMS INC CL A 30303M102   445,318 773 SH   SOLE Clayton Financial Group 0 0 773
MICROSOFT CORP COM 594918104   1,599,580 4,261 SH   SOLE Clayton Financial Group 0 0 4,261
MORGAN STANLEY COM NEW 617446448   225,990 1,937 SH   SOLE Clayton Financial Group 0 0 1,937
NEXTERA ENERGY INC COM 65339F101   282,568 3,986 SH   SOLE Clayton Financial Group 0 0 3,986
NOVARTIS AG SPONSORED ADR 66987V109   224,410 2,013 SH   SOLE Clayton Financial Group 0 0 2,013
NVIDIA CORPORATION COM 67066G104   451,196 4,163 SH   SOLE Clayton Financial Group 0 0 4,163
ORACLE CORP COM 68389X105   563,015 4,027 SH   SOLE Clayton Financial Group 0 0 4,027
PEPSICO INC COM 713448108   458,734 3,059 SH   SOLE Clayton Financial Group 0 0 3,059
PHILIP MORRIS INTL INC COM 718172109   509,524 3,210 SH   SOLE Clayton Financial Group 0 0 3,210
PROCTER AND GAMBLE CO COM 742718109   992,532 5,824 SH   SOLE Clayton Financial Group 0 0 5,824
QUALCOMM INC COM 747525103   222,274 1,447 SH   SOLE Clayton Financial Group 0 0 1,447
ROBLOX CORP CL A 771049103   1,243,734 21,337 SH   SOLE Clayton Financial Group 0 0 21,337
RTX CORPORATION COM 75513E101   376,849 2,845 SH   SOLE Clayton Financial Group 0 0 2,845
S&P GLOBAL INC COM 78409V104   356,179 701 SH   SOLE Clayton Financial Group 0 0 701
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,305,254 47,343 SH   SOLE Clayton Financial Group 0 0 47,343
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,431,294 72,361 SH   SOLE Clayton Financial Group 0 0 72,361
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,727,913 108,942 SH   SOLE Clayton Financial Group 0 0 108,942
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   971,145 36,537 SH   SOLE Clayton Financial Group 0 0 36,537
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,497,145 339,545 SH   SOLE Clayton Financial Group 0 0 339,545
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,340,614 89,336 SH   SOLE Clayton Financial Group 0 0 89,336
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,534,716 108,182 SH   SOLE Clayton Financial Group 0 0 108,182
SELECT SECTOR SPDR TR ENERGY 81369Y506   839,186 8,980 SH   SOLE Clayton Financial Group 0 0 8,980
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   225,695 2,625 SH   SOLE Clayton Financial Group 0 0 2,625
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   307,643 1,490 SH   SOLE Clayton Financial Group 0 0 1,490
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,403,965 4,297 SH   SOLE Clayton Financial Group 0 0 4,297
SPDR SER TR S&P DIVID ETF 78464A763   294,909 2,174 SH   SOLE Clayton Financial Group 0 0 2,174
STIFEL FINL CORP COM 860630102   2,357,632 25,012 SH   SOLE Clayton Financial Group 0 0 25,012
THE CIGNA GROUP COM 125523100   602,984 1,833 SH   SOLE Clayton Financial Group 0 0 1,833
TITAN INTL INC ILL COM 88830M102   168,569 20,092 SH   SOLE Clayton Financial Group 0 0 20,092
TJX COS INC NEW COM 872540109   1,201,192 9,862 SH   SOLE Clayton Financial Group 0 0 9,862
UNION PAC CORP COM 907818108   395,466 1,674 SH   SOLE Clayton Financial Group 0 0 1,674
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   747,017 10,170 SH   SOLE Clayton Financial Group 0 0 10,170
VANGUARD INDEX FDS GROWTH ETF 922908736   25,014,472 67,457 SH   SOLE Clayton Financial Group 0 0 67,457
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,063,651 8,029 SH   SOLE Clayton Financial Group 0 0 8,029
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   19,455,710 79,528 SH   SOLE Clayton Financial Group 0 0 79,528
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   18,120,964 112,875 SH   SOLE Clayton Financial Group 0 0 112,875
VANGUARD INDEX FDS MID CAP ETF 922908629   5,365,829 20,748 SH   SOLE Clayton Financial Group 0 0 20,748
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,397,842 15,439 SH   SOLE Clayton Financial Group 0 0 15,439
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,129,296 59,742 SH   SOLE Clayton Financial Group 0 0 59,742
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,305,578 19,416 SH   SOLE Clayton Financial Group 0 0 19,416
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,272,657 32,858 SH   SOLE Clayton Financial Group 0 0 32,858
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,010,895 3,678 SH   SOLE Clayton Financial Group 0 0 3,678
VANGUARD INDEX FDS VALUE ETF 922908744   27,749,933 160,646 SH   SOLE Clayton Financial Group 0 0 160,646
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   344,728 7,617 SH   SOLE Clayton Financial Group 0 0 7,617
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   425,257 2,192 SH   SOLE Clayton Financial Group 0 0 2,192
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   722,448 14,213 SH   SOLE Clayton Financial Group 0 0 14,213
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   367,021 2,846 SH   SOLE Clayton Financial Group 0 0 2,846
VISA INC COM CL A 92826C839   210,977 602 SH   SOLE Clayton Financial Group 0 0 602
VULCAN MATLS CO COM 929160109   200,571 9,813 SH   SOLE Clayton Financial Group 0 0 9,813
WALMART INC COM 931142103   639,136 7,280 SH   SOLE Clayton Financial Group 0 0 7,280
WISDOMTREE TR EMER MKT HIGH FD 97717W315   5,716,321 135,844 SH   SOLE Clayton Financial Group 0 0 135,844