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 1,293,898 18,351 SH SOLE 0 0 18,351
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 7,236,432 153,347 SH SOLE 0 0 153,347
ISHARES TR CORE UNIVRSL USD 46434V613 19,096,067 433,116 SH SOLE 0 0 433,116
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,703,418 96,067 SH SOLE 0 0 96,067
ISHARES TR EAFE GRWTH ETF 464288885 12,502,592 104,336 SH SOLE 0 0 104,336
ISHARES TR EAFE VALUE ETF 464288877 18,438,921 232,991 SH SOLE 0 0 232,991
ISHARES TR MSCI USA QLT FCT 46432F339 10,644,599 47,897 SH SOLE 0 0 47,897
ISHARES TR S&P 100 ETF 464287101 3,305,374 8,651 SH SOLE 0 0 8,651
ISHARES TR S&P 500 GRWT ETF 464287309 48,141,918 338,408 SH SOLE 0 0 338,408
ISHARES TR S&P 500 VAL ETF 464287408 37,902,139 166,034 SH SOLE 0 0 166,034
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 21,103,759 304,703 SH SOLE 0 0 304,703
ISHARES TR US AER DEF ETF 464288760 4,318,814 20,846 SH SOLE 0 0 20,846
ISHARES TR U.S. TECH ETF 464287721 5,625,545 21,236 SH SOLE 0 0 21,236
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 36,272,066 1,641,270 SH SOLE 0 0 1,641,270
WORLD GOLD TR SPDR GLD MINIS 98149E303 3,401,953 41,396 SH SOLE 0 0 41,396
SPDR SERIES TRUST ST STR BACKE ETF 78464A383 27,353,524 1,293,923 SH SOLE 0 0 1,293,923
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,040,437 270,451 SH SOLE 0 0 270,451
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 14,674,524 292,671 SH SOLE 0 0 292,671
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 4,073,317 80,199 SH SOLE 0 0 80,199
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,244,083 65,910 SH SOLE 0 0 65,910
ISHARES TR CONV BD ETF 46435G102 1,063,420 9,416 SH SOLE 0 0 9,416
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 14,784,898 164,076 SH SOLE 0 0 164,076
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32,695 551 SH SOLE 0 0 551
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 1,412,659 27,478 SH SOLE 0 0 27,478
ISHARES TR SYSTEMATIC BD ET 46435U796 1,442,535 17,116 SH SOLE 0 0 17,116
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 2,056,841 96,159 SH SOLE 0 0 96,159
ISHARES INC MSCI EMRG CHN 46434G764 1,228,691 12,401 SH SOLE 0 0 12,401
ISHARES TR NATIONAL MUN ETF 464288414 4,558,498 45,089 SH SOLE 0 0 45,089
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,574,354 75,472 SH SOLE 0 0 75,472
NVIDIA CORPORATION COM 67066G104 1,397,460 6,119 SH SOLE 0 0 6,119
ISHARES TR MSCI USA MIN ETF 46429B697 411,087 4,219 SH SOLE 0 0 4,219
HEWLETT PACKARD ENTERPRISE C COM 42824C109 265,910 4,162 SH SOLE 0 0 4,162
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 828,979 1,087 SH SOLE 0 0 1,087
AMAZON COM INC COM 023135106 892,704 3,583 SH SOLE 0 0 3,583
VANGUARD WORLD FD INF TECH ETF 92204A702 967,282 7,697 SH SOLE 0 0 7,697
ISHARES INC CORE MSCI EMKT 46434G103 470,647 5,799 SH SOLE 0 0 5,799
ISHARES TR MSCI USA MMENTM 46432F396 484,578 1,527 SH SOLE 0 0 1,527
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,394,053 19,743 SH SOLE 0 0 19,743
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 6,770,743 31,334 SH SOLE 0 0 31,334
ISHARES TR CORE US AGGBD ET 464287226 206,934 2,189 SH SOLE 0 0 2,189
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 546,504 22,914 SH SOLE 0 0 22,914
ALPHABET INC CAP STK CL C 02079K107 308,994 907 SH SOLE 0 0 907
ENCOMPASS HEALTH CORP COM 29261A100 966,689 7,957 SH SOLE 0 0 7,957
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 272,447 728 SH SOLE 0 0 728
APPLE INC COM 037833100 579,788 1,741 SH SOLE 0 0 1,741
PROSPERITY BANCSHARES INC COM 743606105 282,717 4,270 SH SOLE 0 0 4,270
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 394,399 5,622 SH SOLE 0 0 5,622
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 215,068 5,917 SH SOLE 0 0 5,917
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 206,563 993 SH SOLE 0 0 993
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 365,602 2,246 SH SOLE 0 0 2,246
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,210,913 33,702 SH SOLE 0 0 33,702
ISHARES TR MSCI EAFE ETF 464287465 282,061 2,715 SH SOLE 0 0 2,715
USIO INC COM 917313108 62,607 23,274 SH SOLE 0 0 23,274
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 470,509 9,889 SH SOLE 0 0 9,889
SCHWAB STRATEGIC TR MUN BD ETF 808524649 308,666 12,776 SH SOLE 0 0 12,776
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 285,209 2,968 SH SOLE 0 0 2,968
ISHARES TR CORE S&P500 ETF 464287200 548,349 716 SH SOLE 0 0 716
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 484,399 16,147 SH SOLE 0 0 16,147
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 275,772 2,537 SH SOLE 0 0 2,537
ISHARES TR RUS 1000 ETF 464287622 201,407 484 SH SOLE 0 0 484
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 367,332 3,231 SH SOLE 0 0 3,231