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
ABBOTT LABORATORIES COM 002824100 320,554 3,243 SH SOLE 0 0 3,243
ABBVIE INC COM 00287Y109 323,373 1,236 SH SOLE 0 0 1,236
AFLAC INC COM 001055102 403,156 3,607 SH SOLE 0 0 3,607
AIR PRODUCTS AND CHEMICALS I COM 009158106 353,633 1,271 SH SOLE 0 0 1,271
ALPHABET INC CAP STK CL C 02079K107 370,991 1,089 SH SOLE 0 0 1,089
ALPHABET INC CAP STK CL A 02079K305 1,280,768 3,722 SH SOLE 0 0 3,722
ALTRIA GROUP INC COM 02209S103 638,623 9,484 SH SOLE 0 0 9,484
AMAZON COM INC COM 023135106 1,477,665 5,931 SH SOLE 0 0 5,931
AMEREN CORP COM 023608102 279,194 2,809 SH SOLE 0 0 2,809
AMERICAN CENTY ETF TR US SML CP VALU 025072877 795,619 6,756 SH SOLE 0 0 6,756
AMERICAN ELEC PWR CO INC COM 025537101 362,522 3,056 SH SOLE 0 0 3,056
AMGEN INC COM 031162100 732,816 1,739 SH SOLE 0 0 1,739
APPLE INC COM 037833100 3,396,274 10,198 SH SOLE 0 0 10,198
ARCHER DANIELS MIDLAND CO COM 039483102 397,720 5,010 SH SOLE 0 0 5,010
AT&T INC COM 00206R102 251,390 10,303 SH SOLE 0 0 10,303
BANK OF AMER CORP COM 060505104 560,454 10,297 SH SOLE 0 0 10,297
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 264,411 531 SH SOLE 0 0 531
BLACKROCK INC COM 09290D101 530,641 501 SH SOLE 0 0 501
BP PLC SPONSORED ADR 055622104 298,518 6,786 SH SOLE 0 0 6,786
BROADCOM INC COM 11135F101 764,333 2,176 SH SOLE 0 0 2,176
CARDINAL HEALTH INC COM 14149Y108 384,213 1,727 SH SOLE 0 0 1,727
CATERPILLAR INC COM 149123101 277,102 342 SH SOLE 0 0 342
CHEVRON CORPORATION COM 166764100 1,125,199 5,510 SH SOLE 0 0 5,510
CISCO SYS INC COM 17275R102 497,927 4,626 SH SOLE 0 0 4,626
CLOROX CO DEL COM 189054109 224,797 2,775 SH SOLE 0 0 2,775
COCA COLA CO COM 191216100 1,306,260 15,175 SH SOLE 0 0 15,175
COLGATE PALMOLIVE CO COM 194162103 680,709 7,978 SH SOLE 0 0 7,978
CONSOLIDATED EDISON INC COM 209115104 578,179 5,657 SH SOLE 0 0 5,657
CORNING INC COM 219350105 754,236 4,905 SH SOLE 0 0 4,905
CROWDSTRIKE HLDGS INC CL A 22788C105 298,109 1,126 SH SOLE 0 0 1,126
DARDEN RESTAURANTS INC COM 237194105 247,276 1,280 SH SOLE 0 0 1,280
DEERE & CO COM 244199105 1,330,541 1,981 SH SOLE 0 0 1,981
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,446,480 44,517 SH SOLE 0 0 44,517
DUKE ENERGY CORP NEW COM NEW 26441C204 845,384 7,415 SH SOLE 0 0 7,415
ELI LILLY & CO COM 532457108 1,987,078 1,717 SH SOLE 0 0 1,717
EMERSON ELEC CO COM 291011104 390,938 2,521 SH SOLE 0 0 2,521
ENBRIDGE INC COM 29250N105 305,439 6,570 SH SOLE 0 0 6,570
ENTERPRISE PRODS PARTNERS L COM 293792107 782,995 21,988 SH SOLE 0 0 21,988
EOG RES INC COM 26875P101 218,673 1,587 SH SOLE 0 0 1,587
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,543,760 9,485 SH SOLE 0 0 9,485
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 9,922,016 163,379 SH SOLE 0 0 163,379
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 5,001,450 117,240 SH SOLE 0 0 117,240
GSK PLC SPONSORED ADR 37733W204 225,713 4,686 SH SOLE 0 0 4,686
HOME DEPOT INC COM 437076102 343,575 1,208 SH SOLE 0 0 1,208
INVESCO QQQ TR UNIT SER 1 46090E103 1,970,880 2,664 SH SOLE 0 0 2,664
ISHARES TR CORE DIV GRWTH 46434V621 25,645,455 340,171 SH SOLE 0 0 340,171
ISHARES TR SELECT DIVID ETF 464287168 842,728 5,542 SH SOLE 0 0 5,542
ISHARES TR FLTG RATE NT ETF 46429B655 5,637,749 110,436 SH SOLE 0 0 110,436
ISHARES TR ISHS 1-5YR INVS 464288646 10,165,096 198,421 SH SOLE 0 0 198,421
ISHARES TR 0-5YR HI YL CP 46434V407 11,183,076 271,105 SH SOLE 0 0 271,105
ISHARES TR CORE S&P500 ETF 464287200 2,138,807 2,793 SH SOLE 0 0 2,793
ISHARES TR U.S. TECH ETF 464287721 258,313 975 SH SOLE 0 0 975
ISHARES TR INTL SEL DIV ETF 464288448 226,004 5,357 SH SOLE 0 0 5,357
JOHNSON & JOHNSON COM 478160104 2,541,321 9,599 SH SOLE 0 0 9,599
JPMORGAN CHASE & CO COM 46625H100 2,082,027 6,293 SH SOLE 0 0 6,293
KIMBERLY-CLARK CORP COM 494368103 397,190 4,077 SH SOLE 0 0 4,077
LAM RESEARCH CORP COM NEW 512807306 200,126 609 SH SOLE 0 0 609
LOCKHEED MARTIN CORP COM 539830109 2,113,925 4,151 SH SOLE 0 0 4,151
LOWES COS INC COM 548661107 287,705 1,561 SH SOLE 0 0 1,561
MASTERCARD INCORPORATED CL A 57636Q104 452,952 821 SH SOLE 0 0 821
MCDONALDS CORP COM 580135101 1,437,294 6,224 SH SOLE 0 0 6,224
MEDTRONIC PLC SHS G5960L103 232,552 2,695 SH SOLE 0 0 2,695
MERCK & CO INC COM 58933Y105 503,861 3,467 SH SOLE 0 0 3,467
META PLATFORMS INC CL A 30303M102 700,590 966 SH SOLE 0 0 966
MICROSOFT CORP COM 594918104 6,788,236 13,235 SH SOLE 0 0 13,235
MORGAN STANLEY COM NEW 617446448 297,916 1,584 SH SOLE 0 0 1,584
NEXTERA ENERGY INC COM 65339F101 319,910 4,224 SH SOLE 0 0 4,224
NVIDIA CORPORATION COM 67066G104 812,362 3,557 SH SOLE 0 0 3,557
PACER FDS TR US CASH COWS 100 69374H881 1,374,504 20,589 SH SOLE 0 0 20,589
PALO ALTO NETWORKS INC COM 697435105 713,293 1,795 SH SOLE 0 0 1,795
PAYCHEX INC COM 704326107 710,169 7,210 SH SOLE 0 0 7,210
PEPSICO INC COM 713448108 1,087,697 8,583 SH SOLE 0 0 8,583
PFIZER INC COM 717081103 279,424 9,797 SH SOLE 0 0 9,797
PHILIP MORRIS INTL INC COM 718172109 797,941 4,182 SH SOLE 0 0 4,182
PHILLIPS 66 COM 718546104 436,925 1,711 SH SOLE 0 0 1,711
PIMCO ETF TR INTER MUN BD ACT 72201R866 260,001 5,232 SH SOLE 0 0 5,232
PNC FINL SVCS GROUP INC COM 693475105 429,513 1,932 SH SOLE 0 0 1,932
PROCTER & GAMBLE CO COM 742718109 1,774,228 12,212 SH SOLE 0 0 12,212
PROLOGIS INC. COM 74340W103 344,608 2,654 SH SOLE 0 0 2,654
REALTY INCOME CORP COM 756109104 563,876 10,384 SH SOLE 0 0 10,384
RTX CORPORATION COM 75513E101 208,936 1,125 SH SOLE 0 0 1,125
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 24,709,284 759,585 SH SOLE 0 0 759,585
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37,184,663 1,239,489 SH SOLE 0 0 1,239,489
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,329,021 667,238 SH SOLE 0 0 667,238
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,654,253 203,931 SH SOLE 0 0 203,931
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,525,950 69,047 SH SOLE 0 0 69,047
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,498,417 191,018 SH SOLE 0 0 191,018
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,783,223 411,445 SH SOLE 0 0 411,445
SOUTHERN CO COM 842587107 1,228,525 14,821 SH SOLE 0 0 14,821
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 808,712 15,624 SH SOLE 0 0 15,624
STARBUCKS CORP COM 855244109 758,033 8,068 SH SOLE 0 0 8,068
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 697,222 1,371 SH SOLE 0 0 1,371
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,278,168 1,676 SH SOLE 0 0 1,676
SYSCO CORP COM 871829107 635,124 8,147 SH SOLE 0 0 8,147
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 559,289 1,226 SH SOLE 0 0 1,226
TARGET CORP COM 87612E106 1,266,489 8,083 SH SOLE 0 0 8,083
TEXAS INSTRS INC COM 882508104 357,544 1,277 SH SOLE 0 0 1,277
TORONTO DOMINION BK ONT COM NEW 891160509 533,351 4,538 SH SOLE 0 0 4,538
UNILEVER PLC SPON ADR NEW 904767803 407,392 6,708 SH SOLE 0 0 6,708
UNION PAC CORP COM 907818108 259,346 953 SH SOLE 0 0 953
UNITED PARCEL SVCS INC CL B 911312106 313,190 3,352 SH SOLE 0 0 3,352
US BANCORP COM NEW 902973304 852,725 14,763 SH SOLE 0 0 14,763
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 12,631,879 180,070 SH SOLE 0 0 180,070
VANGUARD BD INDEX FDS INTERMED TERM 921937819 646,061 8,867 SH SOLE 0 0 8,867
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 712,764 9,329 SH SOLE 0 0 9,329
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 628,412 1,679 SH SOLE 0 0 1,679
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 235,906 829 SH SOLE 0 0 829
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,237,705 28,535 SH SOLE 0 0 28,535
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 512,618 8,643 SH SOLE 0 0 8,643
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 333,915 7,051 SH SOLE 0 0 7,051
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,525,417 175,086 SH SOLE 0 0 175,086
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,765,883 201,327 SH SOLE 0 0 201,327
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,768,234 31,208 SH SOLE 0 0 31,208
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,489,556 21,096 SH SOLE 0 0 21,096
VANGUARD WORLD FD INF TECH ETF 92204A702 201,157 1,601 SH SOLE 0 0 1,601
VANGUARD WORLD FD UTILITIES ETF 92204A876 223,729 1,308 SH SOLE 0 0 1,308
VERIZON COMMUNICATIONS INC COM 92343V104 679,162 14,806 SH SOLE 0 0 14,806
VISA INC COM CL A 92826C839 633,922 1,764 SH SOLE 0 0 1,764
WALMART INC COM 931142103 3,053,125 29,380 SH SOLE 0 0 29,380
WASTE MGMT INC DEL COM 94106L109 1,653,584 8,109 SH SOLE 0 0 8,109
WELLS FARGO & CO COM 949746101 300,253 3,751 SH SOLE 0 0 3,751
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,372,170 55,247 SH SOLE 0 0 55,247
WISDOMTREE TR TRUE DEV INTL FD 97717W794 6,078,920 81,807 SH SOLE 0 0 81,807
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,354,807 43,648 SH SOLE 0 0 43,648
WISDOMTREE TR US HIGH DIVIDEND 97717W208 263,593 2,354 SH SOLE 0 0 2,354
WISDOMTREE TR US VALUE FD 97717W547 3,888,284 37,957 SH SOLE 0 0 37,957
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,851,937 48,864 SH SOLE 0 0 48,864
WISDOMTREE TR US LARGECAP DIVD 97717W307 582,003 5,988 SH SOLE 0 0 5,988