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   335,593 2,530 SH   SOLE N/A 0 0 2,530
ABBVIE INC COM 00287Y109   682,153 3,256 SH   SOLE N/A 0 0 3,256
ALPHABET INC CAP STK CL C 02079K107   310,633 1,988 SH   SOLE N/A 0 0 1,988
ALPHABET INC CAP STK CL A 02079K305   257,107 1,663 SH   SOLE N/A 0 0 1,663
ALTRIA GROUP INC COM 02209S103   220,548 3,675 SH   SOLE N/A 0 0 3,675
AMAZON COM INC COM 023135106   382,803 2,012 SH   SOLE N/A 0 0 2,012
AMEREN CORP COM 023608102   282,588 2,815 SH   SOLE N/A 0 0 2,815
APPLE INC COM 037833100   6,077,651 27,361 SH   SOLE N/A 0 0 27,361
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   478,789 899 SH   SOLE N/A 0 0 899
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   7,123,673 146,097 SH   SOLE N/A 0 0 146,097
BOEING CO COM 097023105   294,399 1,726 SH   SOLE N/A 0 0 1,726
BOOKING HOLDINGS INC COM 09857L108   288,042 63 SH   SOLE N/A 0 0 63
BROADCOM INC COM 11135F101   260,364 1,555 SH   SOLE N/A 0 0 1,555
CONSTELLATION ENERGY CORP COM 21037T109   308,042 1,528 SH   SOLE N/A 0 0 1,528
COSTCO WHSL CORP NEW COM 22160K105   476,346 504 SH   SOLE N/A 0 0 504
DEERE & CO COM 244199105   426,476 909 SH   SOLE N/A 0 0 909
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   5,208,607 166,782 SH   SOLE N/A 0 0 166,782
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,897,314 73,284 SH   SOLE N/A 0 0 73,284
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,411,965 42,800 SH   SOLE N/A 0 0 42,800
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   1,411,725 52,403 SH   SOLE N/A 0 0 52,403
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   6,539,424 197,327 SH   SOLE N/A 0 0 197,327
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   240,081 9,163 SH   SOLE N/A 0 0 9,163
DISNEY WALT CO COM 254687106   220,195 2,231 SH   SOLE N/A 0 0 2,231
DUKE ENERGY CORP NEW COM NEW 26441C204   597,107 4,896 SH   SOLE N/A 0 0 4,896
EDISON INTL COM 281020107   531,013 9,012 SH   SOLE N/A 0 0 9,012
META PLATFORMS INC CL A 30303M102   207,081 359 SH   SOLE N/A 0 0 359
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA 35473P769   463,410 12,579 SH   SOLE N/A 0 0 12,579
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   796,337 22,338 SH   SOLE N/A 0 0 22,338
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   742,101 22,366 SH   SOLE N/A 0 0 22,366
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,586,970 14,417 SH   SOLE N/A 0 0 14,417
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602   309,526 4,880 SH   SOLE N/A 0 0 4,880
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   613,967 9,421 SH   SOLE N/A 0 0 9,421
HERSHEY CO COM 427866108   395,997 2,315 SH   SOLE N/A 0 0 2,315
HOME DEPOT INC COM 437076102   275,576 752 SH   SOLE N/A 0 0 752
INVESCO QQQ TR UNIT SER 1 46090E103   2,329,008 4,967 SH   SOLE N/A 0 0 4,967
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   231,805 3,494 SH   SOLE N/A 0 0 3,494
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   1,131,518 28,001 SH   SOLE N/A 0 0 28,001
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   284,991 9,519 SH   SOLE N/A 0 0 9,519
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   1,059,379 26,029 SH   SOLE N/A 0 0 26,029
ISHARES TR CORE S&P TTL STK 464287150   23,421,321 191,962 SH   SOLE N/A 0 0 191,962
ISHARES TR CORE S&P500 ETF 464287200   5,136,450 9,141 SH   SOLE N/A 0 0 9,141
ISHARES TR CORE US AGGBD ET 464287226   8,576,417 86,701 SH   SOLE N/A 0 0 86,701
ISHARES TR MSCI EMG MKT ETF 464287234   728,786 16,677 SH   SOLE N/A 0 0 16,677
ISHARES TR IBOXX INV CP ETF 464287242   2,894,974 26,635 SH   SOLE N/A 0 0 26,635
ISHARES TR MSCI EAFE ETF 464287465   1,845,113 22,576 SH   SOLE N/A 0 0 22,576
ISHARES TR RUS MD CP GR ETF 464287481   221,898 1,889 SH   SOLE N/A 0 0 1,889
ISHARES TR RUS 1000 GRW ETF 464287614   456,382 1,264 SH   SOLE N/A 0 0 1,264
ISHARES TR RUS 1000 ETF 464287622   258,278 842 SH   SOLE N/A 0 0 842
ISHARES TR RUSSELL 2000 ETF 464287655   1,433,758 7,187 SH   SOLE N/A 0 0 7,187
ISHARES TR CORE S&P SCP ETF 464287804   1,500,450 14,349 SH   SOLE N/A 0 0 14,349
ISHARES TR NATIONAL MUN ETF 464288414   221,750 2,103 SH   SOLE N/A 0 0 2,103
ISHARES TR IBOXX HI YD ETF 464288513   3,097,931 39,269 SH   SOLE N/A 0 0 39,269
ISHARES TR CORE MSCI TOTAL 46432F834   11,034,886 158,070 SH   SOLE N/A 0 0 158,070
ISHARES TR CORE MSCI EAFE 46432F842   261,439 3,456 SH   SOLE N/A 0 0 3,456
ISHARES TR INTERNATIONAL SL 46434V266   1,268,691 37,668 SH   SOLE N/A 0 0 37,668
ISHARES TR INTL EQTY FACTOR 46434V274   1,239,099 40,178 SH   SOLE N/A 0 0 40,178
ISHARES TR US SML CAP EQT 46434V290   269,624 4,338 SH   SOLE N/A 0 0 4,338
ISHARES TR CORE TOTAL USD 46434V613   637,978 13,845 SH   SOLE N/A 0 0 13,845
JPMORGAN CHASE & CO. COM 46625H100   1,958,610 7,985 SH   SOLE N/A 0 0 7,985
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   553,891 9,694 SH   SOLE N/A 0 0 9,694
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,059,028 20,087 SH   SOLE N/A 0 0 20,087
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   7,131,115 126,281 SH   SOLE N/A 0 0 126,281
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   1,262,618 24,938 SH   SOLE N/A 0 0 24,938
MASTERCARD INCORPORATED CL A 57636Q104   501,204 914 SH   SOLE N/A 0 0 914
MCDONALDS CORP COM 580135101   410,987 1,316 SH   SOLE N/A 0 0 1,316
MICROSOFT CORP COM 594918104   1,252,718 3,337 SH   SOLE N/A 0 0 3,337
MONDELEZ INTL INC CL A 609207105   271,066 3,995 SH   SOLE N/A 0 0 3,995
MOODYS CORP COM 615369105   216,022 464 SH   SOLE N/A 0 0 464
NVIDIA CORPORATION COM 67066G104   510,459 4,710 SH   SOLE N/A 0 0 4,710
PEPSICO INC COM 713448108   535,456 3,571 SH   SOLE N/A 0 0 3,571
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   259,118 3,148 SH   SOLE N/A 0 0 3,148
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,760,910 19,237 SH   SOLE N/A 0 0 19,237
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   250,578 4,345 SH   SOLE N/A 0 0 4,345
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,472,648 2,760 SH   SOLE N/A 0 0 2,760
SPDR SER TR BLOOMBERG HIGH Y 78468R622   469,448 4,926 SH   SOLE N/A 0 0 4,926
SPDR SER TR NUVEEN BLMBRG MU 78468R721   856,161 18,996 SH   SOLE N/A 0 0 18,996
SEMPRA COM 816851109   331,024 4,639 SH   SOLE N/A 0 0 4,639
SOUTHERN CO COM 842587107   939,560 10,218 SH   SOLE N/A 0 0 10,218
TESLA INC COM 88160R101   537,690 2,075 SH   SOLE N/A 0 0 2,075
VANGUARD STAR FDS VG TL INTL STK F 921909768   287,201 4,625 SH   SOLE N/A 0 0 4,625
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,489,114 20,274 SH   SOLE N/A 0 0 20,274
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   658,568 5,107 SH   SOLE N/A 0 0 5,107
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   618,600 10,198 SH   SOLE N/A 0 0 10,198
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   553,932 2,092 SH   SOLE N/A 0 0 2,092
VANGUARD WORLD FD INF TECH ETF 92204A702   216,768 400 SH   SOLE N/A 0 0 400
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   211,905 2,284 SH   SOLE N/A 0 0 2,284
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   839,021 10,262 SH   SOLE N/A 0 0 10,262
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   537,881 10,840 SH   SOLE N/A 0 0 10,840
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   318,430 620 SH   SOLE N/A 0 0 620
VANGUARD INDEX FDS SML CP GRW ETF 922908595   235,076 934 SH   SOLE N/A 0 0 934
VANGUARD INDEX FDS MID CAP ETF 922908629   400,558 1,549 SH   SOLE N/A 0 0 1,549
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,940,576 7,550 SH   SOLE N/A 0 0 7,550
VANGUARD INDEX FDS GROWTH ETF 922908736   3,330,150 8,981 SH   SOLE N/A 0 0 8,981
VANGUARD INDEX FDS VALUE ETF 922908744   332,857 1,927 SH   SOLE N/A 0 0 1,927
VANGUARD INDEX FDS SMALL CP ETF 922908751   481,138 2,170 SH   SOLE N/A 0 0 2,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769   812,966 2,958 SH   SOLE N/A 0 0 2,958
WALMART INC COM 931142103   356,038 4,056 SH   SOLE N/A 0 0 4,056
WISDOMTREE TR US HIGH DIVIDEND 97717W208   303,230 3,058 SH   SOLE N/A 0 0 3,058
WISDOMTREE TR US MIDCAP DIVID 97717W505   277,985 5,614 SH   SOLE N/A 0 0 5,614
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,248,255 4,000 SH   SOLE N/A 0 0 4,000
ISHARES TR IBONDS DEC25 ETF 46434VBD1   243,678 9,689 SH   OTR SpiderRock Advisors, LLC 0 0 9,689