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
ADTRAN HOLDINGS INC COM 00486H105 1,179,471 84,854 SH SOLE 0 0 84,854
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 4,559,732 47,256 SH SOLE 0 0 47,256
APPLE INC COM 037833100 2,499,383 8,638 SH SOLE 0 0 8,638
BROADCOM INC COM 11135F101 265,559 703 SH SOLE 0 0 703
COLGATE PALMOLIVE CO COM 194162103 243,778 2,659 SH SOLE 0 0 2,659
COSTCO WHOLESALE CORPORATION COM 22160K105 394,463 422 SH SOLE 0 0 422
DELL TECHNOLOGIES INC CL C 24703L202 434,049 1,006 SH SOLE 0 0 1,006
ELI LILLY & CO COM 532457108 520,702 434 SH SOLE 0 0 434
HENRY JACK & ASSOC INC COM 426281101 246,996 1,793 SH SOLE 0 0 1,793
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 378,915 2,145 SH SOLE 0 0 2,145
ISHARES INC CORE MSCI EMKT 46434G103 4,501,214 54,336 SH SOLE 0 0 54,336
ISHARES TR IBONDS DEC 2030 46436E726 226,393 10,385 SH SOLE 0 0 10,385
ISHARES TR IBONDS DEC 2033 46436E130 288,602 11,210 SH SOLE 0 0 11,210
ISHARES TR IBONDS DEC 2036 46438G166 315,884 12,555 SH SOLE 0 0 12,555
ISHARES TR CRE U S REIT ETF 464288521 322,349 4,851 SH SOLE 0 0 4,851
ISHARES TR IBDS DEC28 ETF 46435U515 331,760 13,139 SH SOLE 0 0 13,139
ISHARES TR IBONDS DEC 2032 46436E312 387,549 15,385 SH SOLE 0 0 15,385
ISHARES TR IBONDS DEC 29 46436E205 445,344 19,229 SH SOLE 0 0 19,229
ISHARES TR IBONDS DEC 2034 46438G653 456,396 17,520 SH SOLE 0 0 17,520
ISHARES TR CORE S&P US VLU 464287663 472,985 4,294 SH SOLE 0 0 4,294
ISHARES TR S&P 500 GRWT ETF 464287309 485,206 3,528 SH SOLE 0 0 3,528
ISHARES TR S&P 500 VAL ETF 464287408 512,021 2,255 SH SOLE 0 0 2,255
ISHARES TR IBONDS DEC 2035 46438G372 517,783 20,218 SH SOLE 0 0 20,218
ISHARES TR IBONDS DEC 2031 46436E486 710,580 34,097 SH SOLE 0 0 34,097
ISHARES TR CORE S&P MCP ETF 464287507 1,195,205 15,500 SH SOLE 0 0 15,500
ISHARES TR CORE S&P500 ETF 464287200 4,682,269 6,252 SH SOLE 0 0 6,252
ISHARES TR CORE S&P SCP ETF 464287804 4,711,965 31,771 SH SOLE 0 0 31,771
ISHARES TR CORE MSCI EAFE 46432F842 18,082,246 187,226 SH SOLE 0 0 187,226
MICRON TECHNOLOGY INC COM 595112103 249,821 216 SH SOLE 0 0 216
MICROSOFT CORP COM 594918104 418,337 1,121 SH SOLE 0 0 1,121
NETFLIX INC. COM 64110L106 523,506 7,332 SH SOLE 0 0 7,332
PEPSICO INC COM 713448108 284,170 2,099 SH SOLE 0 0 2,099
PROCTER & GAMBLE CO COM 742718109 428,629 2,923 SH SOLE 0 0 2,923
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 229,364 7,530 SH SOLE 0 0 7,530
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,041,182 58,638 SH SOLE 0 0 58,638
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,720,970 73,799 SH SOLE 0 0 73,799
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,453,261 95,236 SH SOLE 0 0 95,236
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,242,057 117,411 SH SOLE 0 0 117,411
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,382,381 794,508 SH SOLE 0 0 794,508
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 26,254,244 947,807 SH SOLE 0 0 947,807
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 52,703,074 1,694,633 SH SOLE 0 0 1,694,633
SPDR SERIES TRUST ST STR P400MID 78464A847 201,194 2,978 SH SOLE 0 0 2,978
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 275,061 368 SH SOLE 0 0 368
TESLA INC COM 88160R101 388,862 925 SH SOLE 0 0 925
UMB FINL CORP COM 902788108 483,529 3,387 SH SOLE 0 0 3,387
VANGUARD INDEX FDS TOTAL STK MKT 922908769 224,615 607 SH SOLE 0 0 607
VANGUARD INDEX FDS SMALL CP ETF 922908751 28,120,977 92,772 SH SOLE 0 0 92,772
VANGUARD INDEX FDS LARGE CAP ETF 922908637 42,506,822 123,599 SH SOLE 0 0 123,599
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 300,446 5,940 SH SOLE 0 0 5,940
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 202,639 611 SH SOLE 0 0 611
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 940,857 13,205 SH SOLE 0 0 13,205
WALMART INC COM 931142103 240,791 2,126 SH SOLE 0 0 2,126