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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109 213,539 1,150 SH SOLE 1,150 0 0
ALPHABET INC CAP STK CL A 02079K305 475,458 2,698 SH SOLE 2,697 0 0
ALPHABET INC CAP STK CL C 02079K107 297,911 1,679 SH SOLE 1,679 0 0
AMAZON COM INC COM 023135106 957,972 4,367 SH SOLE 4,366 0 0
AMEREN CORP COM 023608102 230,496 2,400 SH SOLE 2,400 0 0
APPLE INC COM 037833100 1,699,313 8,282 SH SOLE 8,282 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,441,280 2,967 SH SOLE 2,967 0 0
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 2,368,129 82,084 SH SOLE 82,084 0 0
BROADCOM INC COM 11135F101 660,182 2,395 SH SOLE 2,395 0 0
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 2,004,626 75,108 SH SOLE 75,107 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 3,383,430 128,648 SH SOLE 128,647 0 0
CAPITAL GRP FIXED INCM ETF T SHORT DURATION M 14020Y607 1,701,113 65,227 SH SOLE 65,226 0 0
CHEVRON CORP NEW COM 166764100 298,837 2,087 SH SOLE 2,086 0 0
DESIGNER BRANDS INC CL A 250565108 45,615 19,166 SH SOLE 19,166 0 0
GALLAGHER ARTHUR J & CO COM 363576109 235,928 737 SH SOLE 737 0 0
GILEAD SCIENCES INC COM 375558103 230,481 2,079 SH SOLE 2,078 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 351,310 6,743 SH SOLE 6,743 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 248,977 451 SH SOLE 451 0 0
ISHARES INC MSCI EMRG CHN 46434G764 4,811,502 76,204 SH SOLE 76,203 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,558,371 42,618 SH SOLE 42,618 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,944,526 54,392 SH SOLE 54,392 0 0
ISHARES TR US INFRASTRUC 46435U713 2,955,640 60,086 SH SOLE 60,086 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,089,556 12,962 SH SOLE 12,961 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 7,668,853 81,697 SH SOLE 81,696 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 21,782,569 119,148 SH SOLE 119,147 0 0
ISHARES TR MSCI USA MMENTM 46432F396 3,335,017 13,877 SH SOLE 13,877 0 0
ISHARES TR U.S. TECH ETF 464287721 4,917,819 28,382 SH SOLE 28,382 0 0
ISHARES TR CORE S&P500 ETF 464287200 318,821 513 SH SOLE 513 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,010,069 9,668 SH SOLE 9,667 0 0
ISHARES TR MSCI USA VALUE 46432F388 212,402 1,876 SH SOLE 1,876 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,019,367 11,551 SH SOLE 11,550 0 0
ISHARES U S ETF TR SHORT MATURITY M 46431W838 419,626 8,347 SH SOLE 8,347 0 0
JPMORGAN CHASE & CO. COM 46625H100 577,567 1,992 SH SOLE 1,992 0 0
MASTERCARD INCORPORATED CL A 57636Q104 207,781 370 SH SOLE 369 0 0
META PLATFORMS INC CL A 30303M102 328,447 445 SH SOLE 444 0 0
MICROSOFT CORP COM 594918104 1,236,137 2,485 SH SOLE 2,485 0 0
MIDDLEFIELD BANC CORP COM NEW 596304204 282,432 9,380 SH SOLE 9,380 0 0
NVIDIA CORPORATION COM 67066G104 5,691,281 36,023 SH SOLE 36,023 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 264,661 3,332 SH SOLE 3,332 0 0
PROCTER AND GAMBLE CO COM 742718109 207,545 1,303 SH SOLE 1,302 0 0
RICHMOND MUT BANCORPORATION COM 76525P100 593,448 43,004 SH SOLE 43,003 0 0
RTX CORPORATION COM 75513E101 306,117 2,096 SH SOLE 2,096 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 860,819 34,024 SH SOLE 34,024 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,765,301 74,079 SH SOLE 74,078 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,595,740 117,454 SH SOLE 117,454 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,634,448 774,887 SH SOLE 774,886 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 438,710 14,556 SH SOLE 14,555 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,102,264 618,080 SH SOLE 618,079 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,741,965 141,206 SH SOLE 141,206 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 19,236,876 480,682 SH SOLE 480,681 0 0
SOUTHERN CO COM 842587107 229,759 2,502 SH SOLE 2,502 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,938,628 11,230 SH SOLE 11,230 0 0
SPDR SERIES TRUST FACTST INV ETF 78464A110 369,952 1,954 SH SOLE 1,953 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 2,088,643 26,187 SH SOLE 26,186 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 1,102,586 12,424 SH SOLE 12,423 0 0
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 2,317,762 54,408 SH SOLE 54,407 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 17,429,835 239,783 SH SOLE 239,783 0 0
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305 1,068,278 25,411 SH SOLE 25,411 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 291,705 8,268 SH SOLE 8,268 0 0
TESLA INC COM 88160R101 225,524 710 SH SOLE 709 0 0
TORO CO COM 891092108 372,067 5,264 SH SOLE 5,264 0 0
UPSTART HLDGS INC COM 91680M107 388,533 6,007 SH SOLE 6,007 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 360,067 3,557 SH SOLE 3,556 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,406,304 46,262 SH SOLE 46,262 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 582,029 2,456 SH SOLE 2,456 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 688,100 3,529 SH SOLE 3,528 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,893,156 6,836 SH SOLE 6,835 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,230,091 57,882 SH SOLE 57,882 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 16,391,598 37,390 SH SOLE 37,389 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 9,420,734 121,433 SH SOLE 121,432 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,322,554 6,462 SH SOLE 6,461 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 270,627 3,917 SH SOLE 3,917 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 13,759,092 152,675 SH SOLE 152,675 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 212,990 1,598 SH SOLE 1,597 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 240,259 967 SH SOLE 967 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 4,290,373 19,591 SH SOLE 19,590 0 0
VISA INC COM CL A 92826C839 1,051,697 2,962 SH SOLE 2,962 0 0