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
ALPHABET INC CAP STK CL A 02079K305 210 86 SH   SOLE   0 0 86
AMAZON COM INC COM 023135106 330 96 SH   SOLE   0 0 96
AMEREN CORP COM 023608102 280 3,497 SH   SOLE   0 0 3,497
APPLE INC COM 037833100 1,071 7,822 SH   SOLE   0 0 7,822
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 453 1,630 SH   SOLE   0 0 1,630
GENERAL ELECTRIC CO COM 369604103 135 10,050 SH   SOLE   0 0 10,050
INVESCO QQQ TR UNIT SER 1 46090E103 270 763 SH   SOLE   0 0 763
ISHARES INC CORE MSCI EMKT 46434G103 19,364 289,063 SH   SOLE   0 0 289,063
ISHARES INC MSCI EMRG CHN 46434G764 241 3,857 SH   SOLE   0 0 3,857
ISHARES TR CORE MSCI EAFE 46432F842 506 6,759 SH   SOLE   0 0 6,759
ISHARES TR CORE S&P MCP ETF 464287507 19,404 72,207 SH   SOLE   0 0 72,207
ISHARES TR CORE S&P SCP ETF 464287804 296 2,618 SH   SOLE   0 0 2,618
ISHARES TR CORE S&P500 ETF 464287200 4,709 10,953 SH   SOLE   0 0 10,953
ISHARES TR EAFE SML CP ETF 464288273 15,982 215,505 SH   SOLE   0 0 215,505
ISHARES TR JPMORGAN USD EMG 464288281 1,437 12,775 SH   SOLE   0 0 12,775
ISHARES TR MICRO-CAP ETF 464288869 1,085 7,111 SH   SOLE   0 0 7,111
ISHARES TR MORNINGSTAR GRWT 464287119 2,707 41,806 SH   SOLE   0 0 41,806
ISHARES TR MORNINGSTAR VALU 464288109 870 13,472 SH   SOLE   0 0 13,472
ISHARES TR MORNINGSTR US EQ 464287127 4,431 72,948 SH   SOLE   0 0 72,948
ISHARES TR MRGSTR MD CP ETF 464288208 2,973 44,342 SH   SOLE   0 0 44,342
ISHARES TR MRGSTR MD CP GRW 464288307 305 4,428 SH   SOLE   0 0 4,428
ISHARES TR MRGSTR SM CP ETF 464288505 2,138 36,450 SH   SOLE   0 0 36,450
ISHARES TR MSCI ACWI ETF 464288257 513 5,070 SH   SOLE   0 0 5,070
ISHARES TR MSCI EAFE ETF 464287465 618 7,835 SH   SOLE   0 0 7,835
ISHARES TR MSCI EMG MKT ETF 464287234 1,159 21,019 SH   SOLE   0 0 21,019
ISHARES TR RUS 1000 ETF 464287622 1,992 8,230 SH   SOLE   0 0 8,230
ISHARES TR RUS 1000 GRW ETF 464287614 10,765 39,653 SH   SOLE   0 0 39,653
ISHARES TR RUS 1000 VAL ETF 464287598 5,601 35,308 SH   SOLE   0 0 35,308
ISHARES TR RUS MID CAP ETF 464287499 427 5,384 SH   SOLE   0 0 5,384
ISHARES TR RUSSELL 2000 ETF 464287655 1,625 7,083 SH   SOLE   0 0 7,083
ISHARES TR S&P 500 GRWT ETF 464287309 340 4,676 SH   SOLE   0 0 4,676
ISHARES TR S&P 500 VAL ETF 464287408 220 1,490 SH   SOLE   0 0 1,490
JOHNSON & JOHNSON COM 478160104 266 1,615 SH   SOLE   0 0 1,615
MASTERCARD INCORPORATED CL A 57636Q104 1,262 3,458 SH   SOLE   0 0 3,458
MCDONALDS CORP COM 580135101 219 948 SH   SOLE   0 0 948
MICROSOFT CORP COM 594918104 1,256 4,636 SH   SOLE   0 0 4,636
NVIDIA CORPORATION COM 67066G104 281 351 SH   SOLE   0 0 351
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,617 61,338 SH   SOLE   0 0 61,338
PANBELA THERAPEUTICS INC COM 69833Q100 162 57,144 SH   SOLE   0 0 57,144
PEPSICO INC COM 713448108 403 2,717 SH   SOLE   0 0 2,717
PFIZER INC COM 717081103 266 6,785 SH   SOLE   0 0 6,785
PROCTER AND GAMBLE CO COM 742718109 493 3,655 SH   SOLE   0 0 3,655
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,475 288,162 SH   SOLE   0 0 288,162
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,760 323,450 SH   SOLE   0 0 323,450
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,034 193,136 SH   SOLE   0 0 193,136
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 736 13,482 SH   SOLE   0 0 13,482
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,688 11,562 SH   SOLE   0 0 11,562
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,571 81,486 SH   SOLE   0 0 81,486
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,483 62,357 SH   SOLE   0 0 62,357
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,179 53,387 SH   SOLE   0 0 53,387
SCHWAB STRATEGIC TR US REIT ETF 808524847 267 5,829 SH   SOLE   0 0 5,829
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,830 46,358 SH   SOLE   0 0 46,358
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 210 3,000 SH   SOLE   0 0 3,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 543 10,550 SH   SOLE   0 0 10,550
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 703 18,173 SH   SOLE   0 0 18,173
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,660 3,879 SH   SOLE   0 0 3,879
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 333 679 SH   SOLE   0 0 679
UNITEDHEALTH GROUP INC COM 91324P102 1,452 3,625 SH   SOLE   0 0 3,625
VANGUARD BD INDEX FDS INTERMED TERM 921937819 221 2,457 SH   SOLE   0 0 2,457
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 410 4,989 SH   SOLE   0 0 4,989
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 277 3,226 SH   SOLE   0 0 3,226
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 237 1,002 SH   SOLE   0 0 1,002
VANGUARD INDEX FDS MID CAP ETF 922908629 10,717 45,152 SH   SOLE   0 0 45,152
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 240 610 SH   SOLE   0 0 610
VANGUARD INDEX FDS SM CP VAL ETF 922908611 824 4,745 SH   SOLE   0 0 4,745
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,088 9,270 SH   SOLE   0 0 9,270
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,119 17,648 SH   SOLE   0 0 17,648
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,957 36,039 SH   SOLE   0 0 36,039
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 474 7,053 SH   SOLE   0 0 7,053
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 278 3,374 SH   SOLE   0 0 3,374
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 558 4,093 SH   SOLE   0 0 4,093
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,244 12,006 SH   SOLE   0 0 12,006
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 245 4,680 SH   SOLE   0 0 4,680
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 10,154 145,438 SH   SOLE   0 0 145,438
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3,589 51,563 SH   SOLE   0 0 51,563
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,366 26,509 SH   SOLE   0 0 26,509
VANGUARD WORLD FD MEGA CAP INDEX 921910873 2,176 14,284 SH   SOLE   0 0 14,284