UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| AMEREN CORP | COM | 023608102 | 246,981 | 3,024 | SH | SOLE | 0 | 0 | 3,024 | ||
| APPLE INC | COM | 037833100 | 1,233,244 | 6,358 | SH | SOLE | 0 | 0 | 6,358 | ||
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 532,983 | 1,563 | SH | SOLE | 0 | 0 | 1,563 | ||
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 | 256,314 | 8,962 | SH | SOLE | 0 | 0 | 8,962 | ||
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | 265,199 | 8,073 | SH | SOLE | 0 | 0 | 8,073 | ||
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 300,270 | 2,244 | SH | SOLE | 0 | 0 | 2,244 | ||
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | 374,962 | 1,015 | SH | SOLE | 0 | 0 | 1,015 | ||
| ISHARES INC | CORE MSCI EMKT | 46434G103 | 20,668,064 | 419,316 | SH | SOLE | 0 | 0 | 419,316 | ||
| ISHARES TR | CORE MSCI EAFE | 46432F842 | 290,520 | 4,304 | SH | SOLE | 0 | 0 | 4,304 | ||
| ISHARES TR | CORE S&P MCP ETF | 464287507 | 22,306,020 | 85,307 | SH | SOLE | 0 | 0 | 85,307 | ||
| ISHARES TR | CORE S&P SCP ETF | 464287804 | 262,578 | 2,635 | SH | SOLE | 0 | 0 | 2,635 | ||
| ISHARES TR | CORE S&P500 ETF | 464287200 | 4,653,388 | 10,440 | SH | SOLE | 0 | 0 | 10,440 | ||
| ISHARES TR | EAFE SML CP ETF | 464288273 | 16,647,126 | 282,250 | SH | SOLE | 0 | 0 | 282,250 | ||
| ISHARES TR | JPMORGAN USD EMG | 464288281 | 721,813 | 8,341 | SH | SOLE | 0 | 0 | 8,341 | ||
| ISHARES TR | MICRO-CAP ETF | 464288869 | 553,605 | 5,065 | SH | SOLE | 0 | 0 | 5,065 | ||
| ISHARES TR | MORNINGSTAR GRWT | 464287119 | 2,352,346 | 37,733 | SH | SOLE | 0 | 0 | 37,733 | ||
| ISHARES TR | MORNINGSTAR VALU | 464288109 | 830,237 | 12,481 | SH | SOLE | 0 | 0 | 12,481 | ||
| ISHARES TR | MORNINGSTR US EQ | 464287127 | 3,603,151 | 58,991 | SH | SOLE | 0 | 0 | 58,991 | ||
| ISHARES TR | MRGSTR MD CP ETF | 464288208 | 2,421,788 | 38,265 | SH | SOLE | 0 | 0 | 38,265 | ||
| ISHARES TR | MRGSTR MD CP GRW | 464288307 | 235,351 | 3,862 | SH | SOLE | 0 | 0 | 3,862 | ||
| ISHARES TR | MRGSTR SM CP ETF | 464288505 | 1,609,852 | 32,378 | SH | SOLE | 0 | 0 | 32,378 | ||
| ISHARES TR | MSCI ACWI ETF | 464288257 | 393,721 | 4,104 | SH | SOLE | 0 | 0 | 4,104 | ||
| ISHARES TR | MSCI EAFE ETF | 464287465 | 476,688 | 6,575 | SH | SOLE | 0 | 0 | 6,575 | ||
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | 775,977 | 19,615 | SH | SOLE | 0 | 0 | 19,615 | ||
| ISHARES TR | RUS 1000 ETF | 464287622 | 1,760,346 | 7,222 | SH | SOLE | 0 | 0 | 7,222 | ||
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | 10,509,988 | 38,193 | SH | SOLE | 0 | 0 | 38,193 | ||
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | 4,671,219 | 29,597 | SH | SOLE | 0 | 0 | 29,597 | ||
| ISHARES TR | RUS MID CAP ETF | 464287499 | 427,467 | 5,853 | SH | SOLE | 0 | 0 | 5,853 | ||
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | 1,271,746 | 6,791 | SH | SOLE | 0 | 0 | 6,791 | ||
| ISHARES TR | S&P 500 GRWT ETF | 464287309 | 304,615 | 4,322 | SH | SOLE | 0 | 0 | 4,322 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 1,365,630 | 13,126 | SH | SOLE | 0 | 0 | 13,126 | ||
| JOHNSON & JOHNSON | COM | 478160104 | 335,675 | 2,028 | SH | SOLE | 0 | 0 | 2,028 | ||
| MASTERCARD INCORPORATED | CL A | 57636Q104 | 904,984 | 2,301 | SH | SOLE | 0 | 0 | 2,301 | ||
| MICROSOFT CORP | COM | 594918104 | 1,138,371 | 3,343 | SH | SOLE | 0 | 0 | 3,343 | ||
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | 3,471,816 | 226,472 | SH | SOLE | 0 | 0 | 226,472 | ||
| PEPSICO INC | COM | 713448108 | 434,156 | 2,344 | SH | SOLE | 0 | 0 | 2,344 | ||
| PFIZER INC | COM | 717081103 | 346,516 | 9,447 | SH | SOLE | 0 | 0 | 9,447 | ||
| PROCTER AND GAMBLE CO | COM | 742718109 | 738,927 | 4,870 | SH | SOLE | 0 | 0 | 4,870 | ||
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | 7,573,652 | 307,497 | SH | SOLE | 0 | 0 | 307,497 | ||
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 9,740,723 | 273,232 | SH | SOLE | 0 | 0 | 273,232 | ||
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | 5,955,170 | 176,345 | SH | SOLE | 0 | 0 | 176,345 | ||
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 209,879 | 4,367 | SH | SOLE | 0 | 0 | 4,367 | ||
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 573,010 | 12,414 | SH | SOLE | 0 | 0 | 12,414 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 2,993,827 | 39,944 | SH | SOLE | 0 | 0 | 39,944 | ||
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | 6,699,245 | 99,855 | SH | SOLE | 0 | 0 | 99,855 | ||
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 6,267,522 | 119,678 | SH | SOLE | 0 | 0 | 119,678 | ||
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | 6,079,092 | 85,585 | SH | SOLE | 0 | 0 | 85,585 | ||
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 199,287 | 10,204 | SH | SOLE | 0 | 0 | 10,204 | ||
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 4,128,141 | 94,250 | SH | SOLE | 0 | 0 | 94,250 | ||
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 | 222,510 | 3,000 | SH | SOLE | 0 | 0 | 3,000 | ||
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 | 634,090 | 15,439 | SH | SOLE | 0 | 0 | 15,439 | ||
| SPDR INDEX SHS FDS | S&P INTL SMLCP | 78463X871 | 593,786 | 19,462 | SH | SOLE | 0 | 0 | 19,462 | ||
| SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 2,012,048 | 4,539 | SH | SOLE | 0 | 0 | 4,539 | ||
| SPDR S&P MIDCAP 400 ETF TR | UTSER1 S&PDCRP | 78467Y107 | 332,364 | 694 | SH | SOLE | 0 | 0 | 694 | ||
| UNITEDHEALTH GROUP INC | COM | 91324P102 | 1,469,475 | 3,057 | SH | SOLE | 0 | 0 | 3,057 | ||
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 644,989 | 8,535 | SH | SOLE | 0 | 0 | 8,535 | ||
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 404,040 | 5,558 | SH | SOLE | 0 | 0 | 5,558 | ||
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 250,719 | 886 | SH | SOLE | 0 | 0 | 886 | ||
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 11,115,924 | 50,490 | SH | SOLE | 0 | 0 | 50,490 | ||
| VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 1,068,488 | 2,623 | SH | SOLE | 0 | 0 | 2,623 | ||
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | 708,409 | 4,283 | SH | SOLE | 0 | 0 | 4,283 | ||
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 2,582,932 | 12,987 | SH | SOLE | 0 | 0 | 12,987 | ||
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 1,134,943 | 20,859 | SH | SOLE | 0 | 0 | 20,859 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 1,982,562 | 48,736 | SH | SOLE | 0 | 0 | 48,736 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | 250,767 | 4,064 | SH | SOLE | 0 | 0 | 4,064 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | 478,268 | 4,329 | SH | SOLE | 0 | 0 | 4,329 | ||
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | 1,033,338 | 10,655 | SH | SOLE | 0 | 0 | 10,655 | ||
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | 248,624 | 5,243 | SH | SOLE | 0 | 0 | 5,243 | ||
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 277,868 | 5,533 | SH | SOLE | 0 | 0 | 5,533 | ||
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 | 11,855,517 | 167,545 | SH | SOLE | 0 | 0 | 167,545 | ||
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 | 7,457,440 | 107,751 | SH | SOLE | 0 | 0 | 107,751 | ||
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 483,547 | 10,471 | SH | SOLE | 0 | 0 | 10,471 | ||
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 | 2,204,365 | 14,089 | SH | SOLE | 0 | 0 | 14,089 | ||