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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 210 1,860 SH   SOLE   0 0 1,860
AMEREN CORP COM 023608102 285 3,538 SH   SOLE   0 0 3,538
APPLE INC COM 037833100 969 7,015 SH   SOLE   0 0 7,015
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 421 1,576 SH   SOLE   0 0 1,576
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 210 8,962 SH   SOLE   0 0 8,962
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 208 8,073 SH   SOLE   0 0 8,073
INTERNATIONAL BUSINESS MACHS COM 459200101 311 2,614 SH   SOLE   0 0 2,614
INVESCO QQQ TR UNIT SER 1 46090E103 221 826 SH   SOLE   0 0 826
ISHARES INC CORE MSCI EMKT 46434G103 17,668 411,072 SH   SOLE   0 0 411,072
ISHARES TR CORE MSCI EAFE 46432F842 510 9,681 SH   SOLE   0 0 9,681
ISHARES TR CORE S&P MCP ETF 464287507 17,787 81,122 SH   SOLE   0 0 81,122
ISHARES TR CORE S&P SCP ETF 464287804 230 2,643 SH   SOLE   0 0 2,643
ISHARES TR CORE S&P500 ETF 464287200 3,961 11,045 SH   SOLE   0 0 11,045
ISHARES TR EAFE SML CP ETF 464288273 12,468 255,594 SH   SOLE   0 0 255,594
ISHARES TR JPMORGAN USD EMG 464288281 495 6,240 SH   SOLE   0 0 6,240
ISHARES TR MICRO-CAP ETF 464288869 602 5,821 SH   SOLE   0 0 5,821
ISHARES TR MORNINGSTAR GRWT 464287119 2,001 41,454 SH   SOLE   0 0 41,454
ISHARES TR MORNINGSTAR VALU 464288109 709 12,556 SH   SOLE   0 0 12,556
ISHARES TR MORNINGSTR US EQ 464287127 3,005 60,843 SH   SOLE   0 0 60,843
ISHARES TR MRGSTR MD CP ETF 464288208 2,078 38,576 SH   SOLE   0 0 38,576
ISHARES TR MRGSTR MD CP GRW 464288307 219 4,342 SH   SOLE   0 0 4,342
ISHARES TR MRGSTR SM CP ETF 464288505 1,388 32,492 SH   SOLE   0 0 32,492
ISHARES TR MSCI ACWI ETF 464288257 303 3,889 SH   SOLE   0 0 3,889
ISHARES TR MSCI EAFE ETF 464287465 402 7,184 SH   SOLE   0 0 7,184
ISHARES TR MSCI EMG MKT ETF 464287234 684 19,602 SH   SOLE   0 0 19,602
ISHARES TR RUS 1000 ETF 464287622 1,598 8,096 SH   SOLE   0 0 8,096
ISHARES TR RUS 1000 GRW ETF 464287614 8,192 38,937 SH   SOLE   0 0 38,937
ISHARES TR RUS 1000 VAL ETF 464287598 4,327 31,816 SH   SOLE   0 0 31,816
ISHARES TR RUS MID CAP ETF 464287499 345 5,552 SH   SOLE   0 0 5,552
ISHARES TR RUSSELL 2000 ETF 464287655 1,142 6,926 SH   SOLE   0 0 6,926
ISHARES TR S&P 500 GRWT ETF 464287309 271 4,676 SH   SOLE   0 0 4,676
ISHARES TR SHRT NAT MUN ETF 464288158 1,348 13,126 SH   SOLE   0 0 13,126
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 4,673 94,872 SH   SOLE   0 0 94,872
JOHNSON & JOHNSON COM 478160104 331 2,028 SH   SOLE   0 0 2,028
MASTERCARD INCORPORATED CL A 57636Q104 781 2,747 SH   SOLE   0 0 2,747
MICROSOFT CORP COM 594918104 1,087 4,666 SH   SOLE   0 0 4,666
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,841 226,472 SH   SOLE   0 0 226,472
PANBELA THERAPEUTICS INC COM 69833W107 15 57,144 SH   SOLE   0 0 57,144
PEPSICO INC COM 713448108 390 2,387 SH   SOLE   0 0 2,387
PFIZER INC COM 717081103 384 8,765 SH   SOLE   0 0 8,765
PROCTER AND GAMBLE CO COM 742718109 499 3,949 SH   SOLE   0 0 3,949
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,899 263,357 SH   SOLE   0 0 263,357
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,141 289,407 SH   SOLE   0 0 289,407
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,601 201,833 SH   SOLE   0 0 201,833
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 207 4,293 SH   SOLE   0 0 4,293
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 591 13,053 SH   SOLE   0 0 13,053
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,535 45,430 SH   SOLE   0 0 45,430
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,248 89,696 SH   SOLE   0 0 89,696
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,890 162,700 SH   SOLE   0 0 162,700
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,311 104,266 SH   SOLE   0 0 104,266
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,969 104,992 SH   SOLE   0 0 104,992
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 200 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 312 8,065 SH   SOLE   0 0 8,065
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 507 19,462 SH   SOLE   0 0 19,462
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,473 4,125 SH   SOLE   0 0 4,125
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 279 694 SH   SOLE   0 0 694
UNITEDHEALTH GROUP INC COM 91324P102 1,609 3,186 SH   SOLE   0 0 3,186
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 514 6,866 SH   SOLE   0 0 6,866
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 349 4,888 SH   SOLE   0 0 4,888
VANGUARD INDEX FDS GROWTH ETF 922908736 725 3,390 SH   SOLE   0 0 3,390
VANGUARD INDEX FDS MID CAP ETF 922908629 9,335 49,659 SH   SOLE   0 0 49,659
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 964 2,935 SH   SOLE   0 0 2,935
VANGUARD INDEX FDS SM CP VAL ETF 922908611 639 4,456 SH   SOLE   0 0 4,456
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,222 12,999 SH   SOLE   0 0 12,999
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 779 17,568 SH   SOLE   0 0 17,568
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,530 41,940 SH   SOLE   0 0 41,940
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 240 5,197 SH   SOLE   0 0 5,197
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 405 4,369 SH   SOLE   0 0 4,369
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 893 11,327 SH   SOLE   0 0 11,327
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 251 5,219 SH   SOLE   0 0 5,219
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8,892 164,037 SH   SOLE   0 0 164,037
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 5,792 97,036 SH   SOLE   0 0 97,036
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 211 3,166 SH   SOLE   0 0 3,166
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 408 11,209 SH   SOLE   0 0 11,209
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,759 14,089 SH   SOLE   0 0 14,089