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
ALPHABET INC CAP STK CL A 02079K305   427 3,506 SH   SOLE 0 0 0 3,506
ALTRIA GROUP INC COM 02209S103   476 10,355 SH   SOLE 0 0 0 10,355
AMAZON COM INC COM 023135106   782 5,996 SH   SOLE 0 0 0 5,996
AMEREN CORP COM 023608102   215 2,573 SH   SOLE 0 0 0 2,573
APPLE INC COM 037833100   3,025 15,809 SH   SOLE 0 0 0 15,809
APPLIED MATLS INC COM 038222105   2,535 17,820 SH   SOLE 0 0 0 17,820
AUTOMATIC DATA PROCESSING IN COM 053015103   306 1,395 SH   SOLE 0 0 0 1,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,612 4,720 SH   SOLE 0 0 0 4,720
BOEING CO COM 097023105   1,075 5,040 SH   SOLE 0 0 0 5,040
EQUIFAX INC COM 294429105   1,997 8,636 SH   SOLE 0 0 0 8,636
FORTUNE BRANDS INNOVATIONS I COM 34964C106   322 4,599 SH   SOLE 0 0 0 4,599
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   39,523 453,713 SH   SOLE 0 0 0 453,713
HONEYWELL INTL INC COM 438516106   335 1,625 SH   SOLE 0 0 0 1,625
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   3,326 108,241 SH   SOLE 0 0 0 108,241
INVESCO QQQ TR UNIT SER 1 46090E103   14,406 38,905 SH   SOLE 0 0 0 38,905
ISHARES TR CORE S&P MCP ETF 464287507   755 2,903 SH   SOLE 0 0 0 2,903
ISHARES TR CORE S&P SCP ETF 464287804   588 5,951 SH   SOLE 0 0 0 5,951
ISHARES TR S&P 500 VAL ETF 464287408   21,886 135,737 SH   SOLE 0 0 0 135,737
ISHARES TR CORE S&P500 ETF 464287200   46,137 103,543 SH   SOLE 0 0 0 103,543
ISHARES TR S&P 500 GRWT ETF 464287309   19,776 280,836 SH   SOLE 0 0 0 280,836
ISHARES TR RUS 2000 VAL ETF 464287630   4,520 32,215 SH   SOLE 0 0 0 32,215
ISHARES TR CORE S&P US GWT 464287671   605 6,203 SH   SOLE 0 0 0 6,203
ISHARES TR COHEN STEER REIT 464287564   210 3,720 SH   SOLE 0 0 0 3,720
ISHARES TR CORE US AGGBD ET 464287226   264 2,714 SH   SOLE 0 0 0 2,714
ISHARES TR EAFE VALUE ETF 464288877   520 10,697 SH   SOLE 0 0 0 10,697
ISHARES TR EAFE GRWTH ETF 464288885   367 3,911 SH   SOLE 0 0 0 3,911
ISHARES TR EAFE SML CP ETF 464288273   1,932 33,020 SH   SOLE 0 0 0 33,020
ISHARES TR GLB INFRASTR ETF 464288372   1,491 31,763 SH   SOLE 0 0 0 31,763
ISHARES TR CORE INTL AGGR 46435G672   401 8,200 SH   SOLE 0 0 0 8,200
ISHARES TR IBONDS DEC2026 46435GAA0   2,623 112,108 SH   SOLE 0 0 0 112,108
ISHARES TR IBONDS 27 ETF 46435UAA9   2,267 97,117 SH   SOLE 0 0 0 97,117
ISHARES TR IBONDS DEC 46435U697   2,726 105,981 SH   SOLE 0 0 0 105,981
ISHARES TR CORE MSCI EAFE 46432F842   1,182 17,702 SH   SOLE 0 0 0 17,702
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,560 105,346 SH   SOLE 0 0 0 105,346
ISHARES TR IBONDS DEC24 ETF 46434VBG4   4,689 190,924 SH   SOLE 0 0 0 190,924
ISHARES TR IBONDS DEC 25 46435U432   1,239 47,122 SH   SOLE 0 0 0 47,122
ISHARES TR IBONDS DEC 26 46435U259   1,064 42,291 SH   SOLE 0 0 0 42,291
ISHARES TR IBONDS DEC 27 46435U283   1,372 54,864 SH   SOLE 0 0 0 54,864
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   857 16,960 SH   SOLE 0 0 0 16,960
MERCK & CO INC COM 58933Y105   323 2,844 SH   SOLE 0 0 0 2,844
MICROSOFT CORP COM 594918104   1,841 5,445 SH   SOLE 0 0 0 5,445
NVIDIA CORPORATION COM 67066G104   210 497 SH   SOLE 0 0 0 497
PEPSICO INC COM 713448108   236 1,263 SH   SOLE 0 0 0 1,263
PHILIP MORRIS INTL INC COM 718172109   898 9,213 SH   SOLE 0 0 0 9,213
PIMCO ETF TR ACTIVE BD ETF 72201R775   805 8,871 SH   SOLE 0 0 0 8,871
PROCTER AND GAMBLE CO COM 742718109   301 1,980 SH   SOLE 0 0 0 1,980
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   3,918 68,089 SH   SOLE 0 0 0 68,089
SCHWAB STRATEGIC TR US REIT ETF 808524847   385 19,494 SH   SOLE 0 0 0 19,494
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,444 84,849 SH   SOLE 0 0 0 84,849
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,173 47,431 SH   SOLE 0 0 0 47,431
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,663 3,753 SH   SOLE 0 0 0 3,753
SPDR SER TR S&P 600 SMCP GRW 78464A201   390 5,121 SH   SOLE 0 0 0 5,121
SPDR SER TR PRTFLO S&P500 GW 78464A409   240 3,946 SH   SOLE 0 0 0 3,946
SPDR SER TR PRTFLO S&P500 VL 78464A508   217 5,021 SH   SOLE 0 0 0 5,021
TESLA INC COM 88160R101   5,199 18,407 SH   SOLE 0 0 0 18,407
UNITEDHEALTH GROUP INC COM 91324P102   1,273 2,702 SH   SOLE 0 0 0 2,702
VANGUARD INDEX FDS VALUE ETF 922908744   18,595 130,917 SH   SOLE 0 0 0 130,917
VANGUARD INDEX FDS MID CAP ETF 922908629   1,310 5,961 SH   SOLE 0 0 0 5,961
VANGUARD INDEX FDS SM CP VAL ETF 922908611   357 2,171 SH   SOLE 0 0 0 2,171
VANGUARD INDEX FDS SMALL CP ETF 922908751   817 4,135 SH   SOLE 0 0 0 4,135
VANGUARD INDEX FDS GROWTH ETF 922908736   4,027 14,223 SH   SOLE 0 0 0 14,223
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   212 521 SH   SOLE 0 0 0 521
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   341 6,311 SH   SOLE 0 0 0 6,311
VANGUARD INDEX FDS VALUE ETF 922908744   18 129,470 SH   SOLE 0 0 0 129,470