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
ADVANCED MICRO DEVICES INC COM 007903107 465,309 801 SH SOLE 0 0 801
ALPHABET INC CAP STK CL A 02079K305 1,096,948 3,070 SH SOLE 0 0 3,070
ALPHABET INC CAP STK CL C 02079K107 559,166 1,583 SH SOLE 0 0 1,583
AMAZON COM INC COM 023135106 718,357 3,014 SH SOLE 0 0 3,014
AMEREN CORP COM 023608102 470,472 4,162 SH SOLE 0 0 4,162
APPLE INC COM 037833100 3,566,944 12,327 SH SOLE 0 0 12,327
APPLIED MATLS INC COM 038222105 12,883,860 17,820 SH SOLE 0 0 17,820
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,262,263 4,521 SH SOLE 0 0 4,521
BLACKROCK ETF TRUST II ISH HIG MUN ETF 092528843 9,745,519 195,693 SH SOLE 0 0 195,693
BLACKROCK ETF TRUST II ISHAR BACKE ETF 092528793 369,144 7,417 SH SOLE 0 0 7,417
BOEING CO COM 097023105 772,581 3,569 SH SOLE 0 0 3,569
BROADCOM INC COM 11135F101 214,940 569 SH SOLE 0 0 569
COSTCO WHOLESALE CORPORATION COM 22160K105 267,885 286 SH SOLE 0 0 286
DBX ETF TR XTRACK MSCI EAFE 233051200 18,032,216 330,079 SH SOLE 0 0 330,079
ELI LILLY & CO COM 532457108 367,673 307 SH SOLE 0 0 307
EQUIFAX INC COM 294429105 862,643 5,435 SH SOLE 0 0 5,435
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 53,150,837 374,592 SH SOLE 0 0 374,592
INTERNATIONAL BUSINESS MACHS COM 459200101 232,842 828 SH SOLE 0 0 828
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E735 4,513,456 100,336 SH SOLE 0 0 100,336
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 321,686 1,062 SH SOLE 0 0 1,062
INVESCO QQQ TR UNIT SER 1 46090E103 22,021,670 29,904 SH SOLE 0 0 29,904
ISHARES TR RUS 2000 GRW ETF 464287648 26,541,979 67,372 SH SOLE 0 0 67,372
ISHARES TR CORE S&P MCP ETF 464287507 1,096,274 14,217 SH SOLE 0 0 14,217
ISHARES TR CORE S&P SCP ETF 464287804 854,192 5,760 SH SOLE 0 0 5,760
ISHARES TR S&P SML 600 GWT 464287887 3,098,710 17,350 SH SOLE 0 0 17,350
ISHARES TR S&P 500 VAL ETF 464287408 30,060,570 132,390 SH SOLE 0 0 132,390
ISHARES TR CORE S&P500 ETF 464287200 59,954,157 80,057 SH SOLE 0 0 80,057
ISHARES TR S&P 500 GRWT ETF 464287309 31,199,941 226,859 SH SOLE 0 0 226,859
ISHARES TR RUS 1000 ETF 464287622 434,889 1,062 SH SOLE 0 0 1,062
ISHARES TR RUS 2000 VAL ETF 464287630 7,625,896 34,475 SH SOLE 0 0 34,475
ISHARES TR CORE S&P US GWT 464287671 1,191,977 6,337 SH SOLE 0 0 6,337
ISHARES TR SELECT US REIT 464287564 251,584 3,720 SH SOLE 0 0 3,720
ISHARES TR CORE MSCI EAFE 46432F842 2,147,042 22,231 SH SOLE 0 0 22,231
ISHARES TR CORE INTL AGGR 46435G672 891,710 17,623 SH SOLE 0 0 17,623
ISHARES TR IBONDS 27 ETF 46435UAA9 5,665,155 233,904 SH SOLE 0 0 233,904
ISHARES TR IBDS DEC28 ETF 46435U515 5,738,934 227,284 SH SOLE 0 0 227,284
ISHARES TR IBONDS DEC 27 46435U283 568,809 22,376 SH SOLE 0 0 22,376
ISHARES TR IBONDS DEC 28 46435U325 569,604 22,268 SH SOLE 0 0 22,268
ISHARES TR IBONDS DEC 29 46436E205 5,801,360 250,490 SH SOLE 0 0 250,490
ISHARES TR IBONDS DEC 2030 46436E726 5,757,536 264,107 SH SOLE 0 0 264,107
ISHARES TR EAFE SML CP ETF 464288273 2,566,371 31,194 SH SOLE 0 0 31,194
ISHARES TR GLB INFRASTR ETF 464288372 2,886,854 43,346 SH SOLE 0 0 43,346
ISHARES TR EAFE VALUE ETF 464288877 3,650,194 47,684 SH SOLE 0 0 47,684
ISHARES TR EAFE GRWTH ETF 464288885 498,320 4,005 SH SOLE 0 0 4,005
ISHARES TR CORE US AGGBD ET 464287226 689,787 6,969 SH SOLE 0 0 6,969
ISHARES TR MBS ETF 464288588 1,167,227 12,349 SH SOLE 0 0 12,349
ISHARES TR IBONDS DEC 2031 46436E486 5,773,920 277,060 SH SOLE 0 0 277,060
ISHARES TR IBONDS DEC 2029 46436E163 485,051 19,104 SH SOLE 0 0 19,104
ISHARES TR IBONDS DEC 2030 46438G687 569,787 22,025 SH SOLE 0 0 22,025
ISHARES TR IBONDS DEC 2031 46438G356 628,230 24,350 SH SOLE 0 0 24,350
JOHNSON & JOHNSON COM 478160104 240,902 949 SH SOLE 0 0 949
META PLATFORMS INC CL A 30303M102 230,957 410 SH SOLE 0 0 410
MICRON TECHNOLOGY INC COM 595112103 230,858 200 SH SOLE 0 0 200
MICROSOFT CORP COM 594918104 2,742,173 7,351 SH SOLE 0 0 7,351
NVIDIA CORPORATION COM 67066G104 1,044,676 5,221 SH SOLE 0 0 5,221
OCEAN PWR TECHNOLOGIES INC COM NEW 674870506 2,620 10,000 SH SOLE 0 0 10,000
PALANTIR TECHNOLOGIES INC CL A 69608A108 255,741 2,192 SH SOLE 0 0 2,192
PIMCO ETF TR ACTIVE BD ETF 72201R775 846,488 9,180 SH SOLE 0 0 9,180
PROSHARES TR ULTRAPRO QQQ 74347X831 490,843 6,060 SH SOLE 0 0 6,060
SCHWAB STRATEGIC TR US REIT ETF 808524847 772,490 32,622 SH SOLE 0 0 32,622
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,053,312 273,643 SH SOLE 0 0 273,643
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,040,295 414,790 SH SOLE 0 0 414,790
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 13,285,533 334,817 SH SOLE 0 0 334,817
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 5,277,252 169,687 SH SOLE 0 0 169,687
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 318,362 13,582 SH SOLE 0 0 13,582
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 1,010,121 39,706 SH SOLE 0 0 39,706
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 2,444,819 20,522 SH SOLE 0 0 20,522
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,858,636 3,828 SH SOLE 0 0 3,828
TESLA INC COM 88160R101 5,093,887 12,111 SH SOLE 0 0 12,111
UNITEDHEALTH GROUP INC COM 91324P102 680,386 1,637 SH SOLE 0 0 1,637
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,124,400 5,741 SH SOLE 0 0 5,741
VANGUARD INDEX FDS VALUE ETF 922908744 25,860,996 118,667 SH SOLE 0 0 118,667
VANGUARD INDEX FDS MID CAP ETF 922908629 1,125,184 13,965 SH SOLE 0 0 13,965
VANGUARD INDEX FDS SM CP VAL ETF 922908611 732,484 3,014 SH SOLE 0 0 3,014
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,083,908 3,576 SH SOLE 0 0 3,576
VANGUARD INDEX FDS GROWTH ETF 922908736 5,208,762 60,469 SH SOLE 0 0 60,469
VANGUARD INDEX FDS LARGE CAP ETF 922908637 564,700 1,642 SH SOLE 0 0 1,642
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 642,491 7,672 SH SOLE 0 0 7,672
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 255,473 4,280 SH SOLE 0 0 4,280
VANGUARD STAR FDS VG TL INTL STK F 921909768 463,014 5,416 SH SOLE 0 0 5,416
WALMART INC COM 931142103 257,895 2,277 SH SOLE 0 0 2,277