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
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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
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 9,071,977 189,473 SH SOLE 0 0 189,473
ISHARES TR CORE S&P SCP ETF 464287804 22,209,355 178,661 SH SOLE 0 0 178,661
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,924,805 297,813 SH SOLE 0 0 297,813
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,454,335 16,062 SH SOLE 0 0 16,062
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,530,692 289,181 SH SOLE 0 0 289,181
VANGUARD INDEX FDS GROWTH ETF 922908736 29,735,203 68,077 SH SOLE 0 0 68,077
VANGUARD BD INDEX FDS INTERMED TERM 921937819 16,937,943 219,460 SH SOLE 0 0 219,460
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,432,030 185,254 SH SOLE 0 0 185,254
VANGUARD INDEX FDS VALUE ETF 922908744 35,604,288 181,469 SH SOLE 0 0 181,469
AMAZON COM INC COM 023135106 443,199 2,128 SH SOLE 0 0 2,128
EXXON MOBIL CORP COM 30231G102 327,444 1,930 SH SOLE 0 0 1,930
INVESCO QQQ TR UNIT SER 1 46090E103 684,527 1,186 SH SOLE 0 0 1,186
MICROSOFT CORP COM 594918104 226,011 611 SH SOLE 0 0 611
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,893,773 26,320 SH SOLE 0 0 26,320
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 17,724,142 498,850 SH SOLE 0 0 498,850
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,954,505 18,332 SH SOLE 0 0 18,332
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 1,973,044 62,497 SH SOLE 0 0 62,497
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,083,055 205,376 SH SOLE 0 0 205,376
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,539,369 28,480 SH SOLE 0 0 28,480
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,408,295 23,013 SH SOLE 0 0 23,013
ISHARES TR RUS 1000 VAL ETF 464287598 1,558,245 7,293 SH SOLE 0 0 7,293
ISHARES TR 0-5 YR TIPS ETF 46429B747 787,206 7,611 SH SOLE 0 0 7,611
ISHARES TR S&P 500 GRWT ETF 464287309 1,428,151 12,626 SH SOLE 0 0 12,626
ISHARES TR SP SMCP600VL ETF 464287879 535,944 4,525 SH SOLE 0 0 4,525
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,166,404 5,369 SH SOLE 0 0 5,369
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 251,395 3,171 SH SOLE 0 0 3,171
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 918,237 4,784 SH SOLE 0 0 4,784
ISHARES TR RUS 1000 ETF 464287622 352,993 990 SH SOLE 0 0 990
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 413,117 5,269 SH SOLE 0 0 5,269
APPLE INC COM 037833100 971,247 3,827 SH SOLE 0 0 3,827
VANGUARD INDEX FDS MID CAP ETF 922908629 342,555 1,193 SH SOLE 0 0 1,193
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,565,830 191,069 SH SOLE 0 0 191,069
ISHARES TR NATIONAL MUN ETF 464288414 1,178,104 11,098 SH SOLE 0 0 11,098
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 248,705 519 SH SOLE 0 0 519
SPDR SERIES TRUST STATE STREET SPD 78464A763 734,894 5,036 SH SOLE 0 0 5,036
ISHARES TR CORE S&P500 ETF 464287200 761,118 1,165 SH SOLE 0 0 1,165
ISHARES TR CORE S&P MCP ETF 464287507 751,113 11,123 SH SOLE 0 0 11,123
AMEREN CORP COM 023608102 816,046 7,424 SH SOLE 0 0 7,424
PIMCO ETF TR INTER MUN BD ACT 72201R866 436,641 8,366 SH SOLE 0 0 8,366
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 484,825 9,610 SH SOLE 0 0 9,610
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 824,584 11,593 SH SOLE 0 0 11,593
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,724,550 2,652 SH SOLE 0 0 2,652
VANGUARD INDEX FDS TOTAL STK MKT 922908769 374,489 1,167 SH SOLE 0 0 1,167
ESCO TECHNOLOGIES INC COM 296315104 333,986 1,187 SH SOLE 0 0 1,187