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
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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
ALPHABET INC CAP STK CL A 02079K305   573,719 3,459 SH   SOLE   0 0 3,459
ALTRIA GROUP INC COM 02209S103   396,275 7,764 SH   SOLE   0 0 7,764
AMAZON COM INC COM 023135106   948,269 5,089 SH   SOLE   0 0 5,089
AMEREN CORP COM 023608102   225,035 2,573 SH   SOLE   0 0 2,573
APPLE INC COM 037833100   3,547,259 15,224 SH   SOLE   0 0 15,224
APPLIED MATLS INC COM 038222105   3,600,531 17,820 SH   SOLE   0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103   288,906 1,044 SH   SOLE   0 0 1,044
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,148,954 4,669 SH   SOLE   0 0 4,669
BOEING CO COM 097023105   768,562 5,055 SH   SOLE   0 0 5,055
EQUIFAX INC COM 294429105   1,653,844 5,628 SH   SOLE   0 0 5,628
META PLATFORMS INC CL A 30303M102   275,916 482 SH   SOLE   0 0 482
FORTUNE BRANDS INNOVATIONS I COM 34964C106   411,773 4,599 SH   SOLE   0 0 4,599
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   46,799,479 414,375 SH   SOLE   0 0 414,375
HONEYWELL INTL INC COM 438516106   330,338 1,598 SH   SOLE   0 0 1,598
INVESCO QQQ TR UNIT SER 1 46090E103   17,552,098 35,962 SH   SOLE   0 0 35,962
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   3,979,788 113,223 SH   SOLE   0 0 113,223
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   218,994 1,090 SH   SOLE   0 0 1,090
ISHARES TR CORE S&P500 ETF 464287200   52,826,368 91,582 SH   SOLE   0 0 91,582
ISHARES TR CORE US AGGBD ET 464287226   306,463 3,026 SH   SOLE   0 0 3,026
ISHARES TR S&P 500 GRWT ETF 464287309   23,826,395 248,840 SH   SOLE   0 0 248,840
ISHARES TR S&P 500 VAL ETF 464287408   24,385,868 123,679 SH   SOLE   0 0 123,679
ISHARES TR CORE S&P MCP ETF 464287507   906,037 14,538 SH   SOLE   0 0 14,538
ISHARES TR COHEN STEER REIT 464287564   245,185 3,720 SH   SOLE   0 0 3,720
ISHARES TR RUS 2000 VAL ETF 464287630   4,549,629 27,273 SH   SOLE   0 0 27,273
ISHARES TR CORE S&P US GWT 464287671   827,541 6,274 SH   SOLE   0 0 6,274
ISHARES TR CORE S&P SCP ETF 464287804   703,950 6,019 SH   SOLE   0 0 6,019
ISHARES TR EAFE SML CP ETF 464288273   2,187,407 32,310 SH   SOLE   0 0 32,310
ISHARES TR GLB INFRASTR ETF 464288372   2,815,232 51,722 SH   SOLE   0 0 51,722
ISHARES TR EAFE VALUE ETF 464288877   1,157,179 20,114 SH   SOLE   0 0 20,114
ISHARES TR EAFE GRWTH ETF 464288885   401,464 3,729 SH   SOLE   0 0 3,729
ISHARES TR CORE MSCI EAFE 46432F842   1,594,571 20,430 SH   SOLE   0 0 20,430
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,142,549 165,042 SH   SOLE   0 0 165,042
ISHARES TR IBONDS DEC2026 46435GAA0   4,095,355 168,533 SH   SOLE   0 0 168,533
ISHARES TR CORE INTL AGGR 46435G672   698,799 13,485 SH   SOLE   0 0 13,485
ISHARES TR IBONDS 27 ETF 46435UAA9   4,113,429 168,791 SH   SOLE   0 0 168,791
ISHARES TR IBDS DEC28 ETF 46435U515   3,289,212 128,837 SH   SOLE   0 0 128,837
ISHARES TR IBONDS DEC 29 46436E205   4,396,303 186,997 SH   SOLE   0 0 186,997
JOHNSON & JOHNSON COM 478160104   201,343 1,242 SH   SOLE   0 0 1,242
MERCK & CO INC COM 58933Y105   322,624 2,841 SH   SOLE   0 0 2,841
MICROSOFT CORP COM 594918104   4,062,365 9,441 SH   SOLE   0 0 9,441
NVIDIA CORPORATION COM 67066G104   773,143 6,366 SH   SOLE   0 0 6,366
PHILIP MORRIS INTL INC COM 718172109   825,277 6,798 SH   SOLE   0 0 6,798
PIMCO ETF TR ACTIVE BD ETF 72201R775   493,864 5,220 SH   SOLE   0 0 5,220
PROCTER AND GAMBLE CO COM 742718109   342,936 1,980 SH   SOLE   0 0 1,980
PROSHARES TR ULTRAPRO QQQ 74347X831   217,470 3,000 SH   SOLE   0 0 3,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,195,024 3,826 SH   SOLE   0 0 3,826
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,285,073 13,802 SH   SOLE   0 0 13,802
SPDR SER TR NUVEEN BLOOMBERG 78464A284   608,623 23,168 SH   SOLE   0 0 23,168
SPDR SER TR PRTFLO S&P500 GW 78464A409   327,281 3,946 SH   SOLE   0 0 3,946
SPDR SER TR PRTFLO S&P500 VL 78464A508   265,410 5,021 SH   SOLE   0 0 5,021
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   218,014 3,277 SH   SOLE   0 0 3,277
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,882,973 86,706 SH   SOLE   0 0 86,706
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,543,722 52,903 SH   SOLE   0 0 52,903
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   4,698,121 65,470 SH   SOLE   0 0 65,470
SCHWAB STRATEGIC TR US REIT ETF 808524847   537,444 23,196 SH   SOLE   0 0 23,196
TESLA INC COM 88160R101   4,665,909 17,834 SH   SOLE   0 0 17,834
UNITEDHEALTH GROUP INC COM 91324P102   1,009,813 1,727 SH   SOLE   0 0 1,727
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   397,608 6,311 SH   SOLE   0 0 6,311
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   204,176 4,267 SH   SOLE   0 0 4,267
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   287,835 545 SH   SOLE   0 0 545
VANGUARD INDEX FDS SM CP VAL ETF 922908611   530,517 2,642 SH   SOLE   0 0 2,642
VANGUARD INDEX FDS MID CAP ETF 922908629   1,571,625 5,957 SH   SOLE   0 0 5,957
VANGUARD INDEX FDS GROWTH ETF 922908736   5,389,943 14,039 SH   SOLE   0 0 14,039
VANGUARD INDEX FDS VALUE ETF 922908744   21,346,010 122,278 SH   SOLE   0 0 122,278
VANGUARD INDEX FDS SMALL CP ETF 922908751   971,459 4,095 SH   SOLE   0 0 4,095