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
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,425,422 19,031 SH SOLE 0 0 19,031
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 7,394,349 140,257 SH SOLE 0 0 140,257
ISHARES TR CORE UNIVRSL USD 46434V613 17,064,783 369,768 SH SOLE 0 0 369,768
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,436,036 88,069 SH SOLE 0 0 88,069
ISHARES TR EAFE GRWTH ETF 464288885 12,420,616 99,828 SH SOLE 0 0 99,828
ISHARES TR EAFE VALUE ETF 464288877 17,537,295 229,096 SH SOLE 0 0 229,096
ISHARES TR MSCI USA QLT FCT 46432F339 10,576,420 48,200 SH SOLE 0 0 48,200
ISHARES TR S&P 100 ETF 464287101 3,822,610 10,448 SH SOLE 0 0 10,448
ISHARES TR S&P 500 GRWT ETF 464287309 46,441,321 337,681 SH SOLE 0 0 337,681
ISHARES TR S&P 500 VAL ETF 464287408 37,003,872 162,970 SH SOLE 0 0 162,970
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 20,838,672 306,406 SH SOLE 0 0 306,406
ISHARES TR US AER DEF ETF 464288760 4,953,368 20,433 SH SOLE 0 0 20,433
ISHARES TR U.S. TECH ETF 464287721 6,092,119 24,153 SH SOLE 0 0 24,153
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 36,389,117 1,573,243 SH SOLE 0 0 1,573,243
WORLD GOLD TR SPDR GLD MINIS 98149E303 3,441,427 43,332 SH SOLE 0 0 43,332
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 204,561 8,727 SH SOLE 0 0 8,727
SPDR SERIES TRUST ST STR BACKE ETF 78464A383 29,025,278 1,300,999 SH SOLE 0 0 1,300,999
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,597,713 261,312 SH SOLE 0 0 261,312
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 17,095,481 309,813 SH SOLE 0 0 309,813
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 4,030,285 77,002 SH SOLE 0 0 77,002
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,169,061 63,091 SH SOLE 0 0 63,091
VANGUARD INDEX FDS GROWTH ETF 922908736 14,109,818 163,801 SH SOLE 0 0 163,801
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32,843 550 SH SOLE 0 0 550
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 1,528,020 28,896 SH SOLE 0 0 28,896
ISHARES TR CONV BD ETF 46435G102 1,110,147 9,119 SH SOLE 0 0 9,119
ISHARES TR SYSTEMATIC BD ET 46435U796 1,462,222 16,482 SH SOLE 0 0 16,482
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 2,439,965 103,740 SH SOLE 0 0 103,740
ISHARES INC MSCI EMRG CHN 46434G764 1,268,622 12,401 SH SOLE 0 0 12,401
ISHARES TR NATIONAL MUN ETF 464288414 5,181,150 48,143 SH SOLE 0 0 48,143
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,995,264 78,989 SH SOLE 0 0 78,989
ISHARES TR CORE S&P MCP ETF 464287507 205,344 2,663 SH SOLE 0 0 2,663
ISHARES TR MSCI USA MIN ETF 46429B697 461,754 4,787 SH SOLE 0 0 4,787
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 810,992 1,086 SH SOLE 0 0 1,086
AMAZON COM INC COM 023135106 853,972 3,583 SH SOLE 0 0 3,583
VANGUARD WORLD FD INF TECH ETF 92204A702 919,945 7,697 SH SOLE 0 0 7,697
ISHARES TR HDG MSCI EAFE 46434V803 230,073 4,903 SH SOLE 0 0 4,903
ISHARES INC CORE MSCI EMKT 46434G103 480,389 5,799 SH SOLE 0 0 5,799
ISHARES TR MSCI USA MMENTM 46432F396 523,501 1,527 SH SOLE 0 0 1,527
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,406,689 19,743 SH SOLE 0 0 19,743
VANGUARD INDEX FDS VALUE ETF 922908744 6,990,976 32,079 SH SOLE 0 0 32,079
ISHARES TR 10-20 YR TRS ETF 464288653 441,038 4,395 SH SOLE 0 0 4,395
ALPHABET INC CAP STK CL C 02079K107 320,411 907 SH SOLE 0 0 907
ENCOMPASS HEALTH CORP COM 29261A100 885,151 8,757 SH SOLE 0 0 8,757
VANGUARD INDEX FDS TOTAL STK MKT 922908769 269,389 728 SH SOLE 0 0 728
APPLE INC COM 037833100 507,537 1,754 SH SOLE 0 0 1,754
NVIDIA CORPORATION COM 67066G104 222,100 1,110 SH SOLE 0 0 1,110
PROSPERITY BANCSHARES INC COM 743606105 311,838 4,270 SH SOLE 0 0 4,270
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 260,357 5,562 SH SOLE 0 0 5,562
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 211,280 993 SH SOLE 0 0 993
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 386,525 14,736 SH SOLE 0 0 14,736
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,140,476 33,702 SH SOLE 0 0 33,702
EXXON MOBIL CORP COM 30231G102 302,972 2,216 SH SOLE 0 0 2,216
ISHARES TR MSCI EAFE ETF 464287465 282,034 2,715 SH SOLE 0 0 2,715
ISHARES TR CORE US AGGBD ET 464287226 310,500 3,137 SH SOLE 0 0 3,137
ISHARES TR CORE S&P500 ETF 464287200 536,205 716 SH SOLE 0 0 716
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 462,286 15,708 SH SOLE 0 0 15,708
VANGUARD INDEX FDS MID CAP ETF 922908629 241,307 2,995 SH SOLE 0 0 2,995
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 269,708 2,537 SH SOLE 0 0 2,537
ISHARES TR CORE S&P SCP ETF 464287804 211,935 1,429 SH SOLE 0 0 1,429
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 820,049 17,905 SH SOLE 0 0 17,905
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 378,221 3,231 SH SOLE 0 0 3,231