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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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
APPLE INC COM 037833100   1,520,369 6,071 SH   SOLE   0 0 0
AMEREN CORP COM 023608102   669,023 7,505 SH   SOLE   0 0 0
AMERICAN LITHIUM CORP F COM NEW 027259209   3,959 10,596 SH   SOLE   0 0 0
AMAZON.COM INC COM 023135106   772,691 3,522 SH   SOLE   0 0 0
AVANTIS US SMALL CAP VALUE ETF ETF 025072323   11,408,411 118,185 SH   SOLE   0 0 0
SPDR BLOOMBERG 1 3 MNTH T BLL ETF SPDR SER TR 78468R663   5,361,394 58,639 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE TERM BOND ETF ETF 921937819   1,406,495 18,821 SH   SOLE   0 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   783,727 10,898 SH   SOLE   0 0 0
DIMENSIONAL NATIONL MUNPL BND ETF ETF 25434V849   1,961,464 41,060 SH   SOLE   0 0 0
DIMENSIONAL SHRT DRT FXDINCM ETF ETF 25434V864   5,265,506 112,318 SH   SOLE   0 0 0
EMERSON ELEC CO COM 291011104   1,216,480 9,815 SH   SOLE   0 0 0
FIDELITY TOTAL BOND ETF ETF 316188309   461,239 10,279 SH   SOLE   0 0 0
FIRST TRUST MANAGED MUNICIPAL ETF ETF 33739N108   385,643 7,560 SH   SOLE   0 0 0
ALPHABET INC CLASS C CAP STK CL C 02079K107   309,644 1,625 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102   505,394 1,299 SH   SOLE   0 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499   208,712 2,361 SH   SOLE   0 0 0
ISHARES IBOXX INVT GRADEBOND ETF IV ISHARES TR 464287242   245,527 2,298 SH   SOLE   0 0 0
META PLATFORMS INC CLASS A CL A 30303M102   222,904 380 SH   SOLE   0 0 0
VANGUARD MEGA CAP GROWTHETF ETF 921910816   14,347,964 41,780 SH   SOLE   0 0 0
ALTRIA GROUP INC COM 02209S103   257,151 4,917 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   1,021,102 2,422 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF ISHARES TR 464288414   438,829 4,118 SH   SOLE   0 0 0
BLACKROCK MUNIYIELD CF COM 09253W104   533,568 51,354 SH   SOLE   0 0 0
NEXTERA ENERGY INC COM 65339F101   207,254 2,890 SH   SOLE   0 0 0
NVIDIA CORP COM 67066G104   870,858 6,484 SH   SOLE   0 0 0
PROCTER & GAMBLE CO Equity 742718109   830,885 4,956 SH   SOLE   0 0 0
PHILIP MORRIS INTL INC COM 718172109   550,315 4,572 SH   SOLE   0 0 0
AT&T INC COM 00206R102   551,752 24,231 SH   SOLE   0 0 0
TESLA INC COM 88160R101   1,244,231 3,081 SH   SOLE   0 0 0
VISA INC CLASS A COM 92826C839   242,188 766 SH   SOLE   0 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595   571,131 2,039 SH   SOLE   0 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405   7,938,156 67,232 SH   SOLE   0 0 0
VANGUARD INFORMATION TECHNOLO ETF IV ETF 92204A702   12,834,465 20,640 SH   SOLE   0 0 0
VANGUARD HEALTH CARE ETF HEALTH CARE ETF 92204A504   15,588,843 61,448 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844   14,245,156 72,742 SH   SOLE   0 0 0
VANGUARD MID CAP ETF ETF 922908629   9,287,942 35,164 SH   SOLE   0 0 0
VANGUARD S&P 500 ETF ETF 922908363   18,967,151 35,201 SH   SOLE   0 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505   17,391,155 47,509 SH   SOLE   0 0 0
VANGUARD MUNI BND TAX EXEMPT ETF ETF 922907746   1,834,840 36,601 SH   SOLE   0 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   526,563 1,816 SH   SOLE   0 0 0
VANGUARD LARGE CAP ETF ETF 922908637   14,628,888 54,241 SH   SOLE   0 0 0
WALMART INC COM 931142103   456,089 5,048 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   402,739 3,743 SH   SOLE   0 0 0