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
3M CO COM 88579Y101 587,165 3,577 SH SOLE 3,577 0 0
ABBVIE INC COM 00287Y109 686,753 2,625 SH SOLE 2,625 0 0
AMAZON COM INC COM 023135106 279,858 1,123 SH SOLE 1,123 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 394,604 3,400 SH SOLE 3,400 0 0
APPLE INC COM 037833100 2,805,001 8,423 SH SOLE 8,423 0 0
BANK OF MONTREAL COM 063671101 663,648 3,968 SH SOLE 3,968 0 0
BLACKSTONE INC COM 09260D107 608,537 5,429 SH SOLE 5,429 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 866,612 13,888 SH SOLE 13,888 0 0
BROOKFIELD INFRASTRUCTURE CO COM SUB VTG A 11276H106 276,441 7,763 SH SOLE 7,763 0 0
CANADIAN IMPERIAL BANK OF CO COM 136069101 324,269 2,943 SH SOLE 2,943 0 0
CENTERPOINT ENERGY INC COM 15189T107 474,941 12,906 SH SOLE 12,906 0 0
CHEVRON CORPORATION COM 166764100 850,535 4,165 SH SOLE 4,165 0 0
CHORD ENERGY CORPORATION COM NEW 674215207 445,113 3,320 SH SOLE 3,320 0 0
CLOROX CO DEL COM 189054109 537,826 6,639 SH SOLE 6,639 0 0
COMCAST CORP NEW CL A 20030N101 603,862 27,751 SH SOLE 27,751 0 0
CVS HEALTH CORP COM 126650100 541,047 6,314 SH SOLE 6,314 0 0
EASTMAN CHEM CO COM 277432100 782,814 12,073 SH SOLE 12,073 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 209,134 1,285 SH SOLE 1,285 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 27,262,631 187,966 SH SOLE 187,966 0 0
GSK PLC SPONSORED ADR 37733W204 655,980 13,618 SH SOLE 13,618 0 0
HORMEL FOODS CORP COM 440452100 541,092 27,136 SH SOLE 27,136 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 584,640 2,658 SH SOLE 2,658 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 381,722 516 SH SOLE 516 0 0
ISHARES INC CORE MSCI EMKT 46434G103 16,767,380 206,597 SH SOLE 206,597 0 0
ISHARES TR ESG AWARE MSCI 46435U663 273,624 5,262 SH SOLE 5,262 0 0
ISHARES TR S&P SML 600 GWT 464287887 792,031 4,940 SH SOLE 4,940 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,009,987 4,822 SH SOLE 4,822 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 221,898 895 SH SOLE 895 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 2,846,575 31,240 SH SOLE 31,240 0 0
ISHARES TR CORE S&P US GWT 464287671 1,577,055 8,140 SH SOLE 8,140 0 0
ISHARES TR CORE US AGGBD ET 464287226 781,243 8,264 SH SOLE 8,264 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,956,742 154,384 SH SOLE 154,384 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 27,156,485 216,801 SH SOLE 216,801 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,099,227 8,581 SH SOLE 8,581 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,312,482 8,631 SH SOLE 8,631 0 0
ISHARES TR MRGSTR SM CP GR 464288604 1,425,319 23,298 SH SOLE 23,298 0 0
ISHARES TR GLOBAL TECH ETF 464287291 11,668,421 78,724 SH SOLE 78,724 0 0
ISHARES TR MRNING SM CP ETF 464288703 21,867,187 292,318 SH SOLE 292,318 0 0
ISHARES TR FUTU EXPO TE ETF 46434V381 243,336 2,918 SH SOLE 2,918 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 24,897,555 69,761 SH SOLE 69,761 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 25,710,994 919,563 SH SOLE 919,563 0 0
M & T BK CORP COM 55261F104 524,416 2,410 SH SOLE 2,410 0 0
MICRON TECHNOLOGY INC COM 595112103 606,048 569 SH SOLE 569 0 0
NORTHWESTERN ENERGY GROUP IN COM NEW 668074305 614,668 8,989 SH SOLE 8,989 0 0
OGE ENERGY CORP COM 670837103 666,266 14,669 SH SOLE 14,669 0 0
ONEOK INC NEW COM 30609A109 711,579 8,345 SH SOLE 8,345 0 0
PHILIP MORRIS INTL INC COM 718172109 701,646 3,677 SH SOLE 3,677 0 0
PPL CORP COM 69351T106 522,425 15,884 SH SOLE 15,884 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 609,409 19,786 SH SOLE 19,786 0 0
SPDR SERIES TRUST ST STR NYSE TECH 78464A102 382,190 1,000 SH SOLE 1,000 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,581,738 2,074 SH SOLE 2,074 0 0
TELUS CORPORATION COM 87971M103 316,748 37,753 SH SOLE 37,753 0 0
UNION PAC CORP COM 907818108 204,098 750 SH SOLE 750 0 0
UNITED PARCEL SVCS INC CL B 911312106 738,831 7,907 SH SOLE 7,907 0 0
VALERO ENERGY CORP COM 91913Y100 1,053,524 2,718 SH SOLE 2,718 0 0
VALLEY NATL BANCORP COM 919794107 614,266 48,674 SH SOLE 48,674 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,153,843 36,315 SH SOLE 36,315 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 896,300 19,540 SH SOLE 19,540 0 0
VICI PPTYS INC COM 925652109 399,977 17,413 SH SOLE 17,413 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208 309,374 2,763 SH SOLE 2,763 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 2,932,641 77,378 SH SOLE 77,378 0 0