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
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 247 1,500 SH   SOLE   0 0 1,500
ABBOTT LABORATORIES COM 002824100 301 3,601 SH   SOLE   0 0 3,601
ABBVIE INC COM 00287Y109 247 3,258 SH   SOLE   0 0 3,258
ALPHABET INC-CL A COM 02079K305 775 635 SH   SOLE   0 0 635
ALPHABET INC-CL C COM 02079K107 491 403 SH   SOLE   0 0 403
AMAZON.COM INC COM 023135106 1,359 783 SH   SOLE   0 0 783
AMERICA FIRST MULTIFAMILY IN COM 02364V107 188 23,000 SH   SOLE   0 0 23,000
AMGEN INC COM 031162100 243 1,256 SH   SOLE   0 0 1,256
APPLE INC COM 037833100 3,646 16,281 SH   SOLE   0 0 16,281
AT&T INC COM 00206R102 621 16,417 SH   SOLE   0 0 16,417
BANK OF AMERICA CORP COM 060505104 313 10,723 SH   SOLE   0 0 10,723
BERKSHIRE HATHAWAY INC-CL A COM 084670108 1,559 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC-CL B COM 084670702 1,800 8,655 SH   SOLE   0 0 8,655
BOEING CO/THE COM 097023105 247 649 SH   SOLE   0 0 649
CATERPILLAR INC COM 149123101 275 2,176 SH   SOLE   0 0 2,176
CENTURYLINK INC COM 156700106 290 23,262 SH   SOLE   0 0 23,262
CHEVRON CORP COM 166764100 363 3,063 SH   SOLE   0 0 3,063
CISCO SYSTEMS INC COM 17275R102 210 4,248 SH   SOLE   0 0 4,248
CITIGROUP INC COM 172967424 405 5,867 SH   SOLE   0 0 5,867
COCA-COLA CO/THE COM 191216100 390 7,163 SH   SOLE   0 0 7,163
COMCAST CORP-CLASS A COM 20030N101 330 7,315 SH   SOLE   0 0 7,315
CULLEN/FROST BANKERS INC COM 229899109 2,917 32,943 SH   SOLE   0 0 32,943
EXXON MOBIL CORP COM 30231G102 361 5,117 SH   SOLE   0 0 5,117
FACEBOOK INC-CLASS A COM 30303M102 662 3,716 SH   SOLE   0 0 3,716
FAIRFAX FINANCIAL HLDGS LTD COM 303901102 218 494 SH   SOLE   0 0 494
FIRST FINL BANKSHARES INC COM 32020R109 300 8,986 SH   SOLE   0 0 8,986
FORTITUDE GROUP INC COM 34960C100 0 50,000 SH   SOLE   0 0 50,000
GENERAL MOTORS CO COM 37045V100 292 7,791 SH   SOLE   0 0 7,791
GOLDMAN SACHS ACCESS TREASUR COM 381430529 1,131 11,265 SH   SOLE   0 0 11,265
HARTFORD FINANCIAL SVCS GRP COM 416515104 1,487 24,535 SH   SOLE   0 0 24,535
HOME DEPOT INC COM 437076102 687 2,963 SH   SOLE   0 0 2,963
INTEL CORP COM 458140100 450 8,725 SH   SOLE   0 0 8,725
INVESCO QQQ TRUST SERIES 1 COM 46090E103 491 2,598 SH   SOLE   0 0 2,598
INVESCO S&P 500 HIGH DIVIDEN COM 46138E362 918 21,544 SH   SOLE   0 0 21,544
INVESCO S&P 500 LOW VOLATILI COM 46138E354 1,985 34,284 SH   SOLE   0 0 34,284
ISHA CURR HEDGED MSCI EAFE COM 46434V803 9,754 325,782 SH   SOLE   0 0 325,782
ISHARES 1-3 YEAR TREASURY BO COM 464287457 1,143 13,472 SH   SOLE   0 0 13,472
ISHARES CORE MSCI EAFE ETF COM 46432F842 2,208 36,159 SH   SOLE   0 0 36,159
ISHARES CORE MSCI EMERGING COM 46434G103 22,764 464,382 SH   SOLE   0 0 464,382
ISHARES CORE S&P 500 ETF COM 464287200 93,487 313,168 SH   SOLE   0 0 313,168
ISHARES CORE S&P MIDCAP ETF COM 464287507 79,614 412,018 SH   SOLE   0 0 412,018
ISHARES CORE S&P SMALL-CAP E COM 464287804 1,448 18,597 SH   SOLE   0 0 18,597
ISHARES EDGE MSCI MIN VOL GL COM 464286525 271 2,859 SH   SOLE   0 0 2,859
ISHARES EDGE MSCI MIN VOL US COM 46429B697 321 5,000 SH   SOLE   0 0 5,000
ISHARES EDGE MSCI USA MOMENT COM 46432F396 299 2,506 SH   SOLE   0 0 2,506
ISHARES EDGE MSCI USA QUALIT COM 46432F339 66,420 718,831 SH   SOLE   0 0 718,831
ISHARES GLOBAL REIT ETF COM 46434V647 2,036 72,512 SH   SOLE   0 0 72,512
ISHARES INTERNATIONAL DEVELO COM 464288422 275 7,141 SH   SOLE   0 0 7,141
ISHARES MICRO-CAP ETF COM 464288869 694 7,877 SH   SOLE   0 0 7,877
ISHARES MSCI ACWI EX US ETF COM 464288240 1,062 23,061 SH   SOLE   0 0 23,061
ISHARES MSCI EAFE ETF COM 464287465 12,108 185,677 SH   SOLE   0 0 185,677
ISHARES MSCI EAFE GROWTH ETF COM 464288885 14,596 181,293 SH   SOLE   0 0 181,293
ISHARES MSCI EAFE SMALL-CAP COM 464288273 3,734 65,253 SH   SOLE   0 0 65,253
ISHARES MSCI EMERGING MARKET COM 464287234 4,151 101,571 SH   SOLE   0 0 101,571
ISHARES RESIDENTIAL REAL EST COM 464288562 499 6,281 SH   SOLE   0 0 6,281
ISHARES RUSSELL 1000 ETF COM 464287622 33,185 201,685 SH   SOLE   0 0 201,685
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,018 6,377 SH   SOLE   0 0 6,377
ISHARES RUSSELL 1000 VALUE E COM 464287598 605 4,719 SH   SOLE   0 0 4,719
ISHARES RUSSELL 2000 ETF COM 464287655 4,433 29,292 SH   SOLE   0 0 29,292
ISHARES RUSSELL 3000 ETF COM 464287689 7,816 44,981 SH   SOLE   0 0 44,981
ISHARES RUSSELL MID-CAP ETF COM 464287499 223 3,994 SH   SOLE   0 0 3,994
ISHARES RUSSELL MID-CAP VALU COM 464287473 329 3,671 SH   SOLE   0 0 3,671
ISHARES RUSSELL TOP 200 GROW COM 464289438 203 2,327 SH   SOLE   0 0 2,327
ISHARES S&P 500 GROWTH ETF COM 464287309 252 1,402 SH   SOLE   0 0 1,402
ISHARES S&P 500 VALUE ETF COM 464287408 365 3,065 SH   SOLE   0 0 3,065
ISHARES SELECT DIVIDEND ETF COM 464287168 297 2,914 SH   SOLE   0 0 2,914
ISHARES US REAL ESTATE ETF COM 464287739 1,182 12,634 SH   SOLE   0 0 12,634
JOHNSON & JOHNSON COM 478160104 1,096 8,474 SH   SOLE   0 0 8,474
JPMORGAN CHASE & CO COM 46625H100 1,211 10,288 SH   SOLE   0 0 10,288
KB HOME COM 48666K109 257 7,571 SH   SOLE   0 0 7,571
KIMBERLY-CLARK CORP COM 494368103 327 2,304 SH   SOLE   0 0 2,304
LLOYDS BANKING GROUP PLC-ADR COM 539439109 32 12,200 SH   SOLE   0 0 12,200
MAGNA INTERNATIONAL INC COM 559222401 232 4,350 SH   SOLE   0 0 4,350
MASTERCARD INC - A COM 57636Q104 404 1,489 SH   SOLE   0 0 1,489
MCDONALD'S CORP COM 580135101 344 1,600 SH   SOLE   0 0 1,600
MERCK & CO. INC. COM 58933Y105 448 5,327 SH   SOLE   0 0 5,327
MICROSOFT CORP COM 594918104 2,228 16,027 SH   SOLE   0 0 16,027
MIZUHO FINANCIAL GROUP-ADR COM 60687Y109 32 10,411 SH   SOLE   0 0 10,411
NIKE INC -CL B COM 654106103 228 2,425 SH   SOLE   0 0 2,425
NORTHROP GRUMMAN CORP COM 666807102 239 637 SH   SOLE   0 0 637
PEPSICO INC COM 713448108 422 3,078 SH   SOLE   0 0 3,078
PFIZER INC COM 717081103 510 14,206 SH   SOLE   0 0 14,206
PHILLIPS EDISON GROCERY CENT COM 71844V102 2,304 207,599 SH   SOLE   0 0 207,599
PROCTER & GAMBLE CO/THE COM 742718109 491 3,944 SH   SOLE   0 0 3,944
SCHWAB EMERGING MARKETS EQUI COM 808524706 810 32,237 SH   SOLE   0 0 32,237
SCHWAB INTL EQUITY ETF COM 808524805 1,510 47,393 SH   SOLE   0 0 47,393
SCHWAB INTL SMALL-CAP EQUITY COM 808524888 1,560 49,066 SH   SOLE   0 0 49,066
SCHWAB SHORT-TERM US TREAS COM 808524862 3,697 73,069 SH   SOLE   0 0 73,069
SCHWAB US BROAD MARKET ETF COM 808524102 21,059 296,526 SH   SOLE   0 0 296,526
SCHWAB US DVD EQUITY ETF COM 808524797 1,225 22,355 SH   SOLE   0 0 22,355
SCHWAB US LARGE-CAP ETF COM 808524201 3,559 50,178 SH   SOLE   0 0 50,178
SCHWAB US LARGE-CAP VALUE COM 808524409 772 13,612 SH   SOLE   0 0 13,612
SCHWAB US MID CAP ETF COM 808524508 297 5,256 SH   SOLE   0 0 5,256
SCHWAB US REIT ETF COM 808524847 4,699 99,608 SH   SOLE   0 0 99,608
SCHWAB US SMALL-CAP ETF COM 808524607 666 9,554 SH   SOLE   0 0 9,554
SOLAR WIND ENERGY TOWER INC COM 83416V105 0 100,000 SH   SOLE   0 0 100,000
SOLAREDGE TECHNOLOGIES INC COM 83417M104 527 6,300 SH   SOLE   0 0 6,300
SPDR DR INTERNATIONAL RL EST COM 78463X863 1,312 33,206 SH   SOLE   0 0 33,206
SPDR GOLD SHARES COM 78463V107 312 2,250 SH   SOLE   0 0 2,250
SPDR S&P 500 ETF TRUST COM 78462F103 339 1,142 SH   SOLE   0 0 1,142
TEXAS INSTRUMENTS INC COM 882508104 281 2,175 SH   SOLE   0 0 2,175
TOPBUILD CORP COM 89055F103 251 2,600 SH   SOLE   0 0 2,600
TORTOISE NORTH AMERICAN PIPE COM 56167N720 28,757 1,229,085 SH   SOLE   0 0 1,229,085
UNITED MICROELECTRON-SP ADR COM 910873405 43 20,558 SH   SOLE   0 0 20,558
UNITEDHEALTH GROUP INC COM 91324P102 311 1,430 SH   SOLE   0 0 1,430
VANGUARD FTSE ALL-WORLD EX-U COM 922042775 11,599 232,439 SH   SOLE   0 0 232,439
VANGUARD FTSE DEVELOPED ETF COM 921943858 28,607 696,374 SH   SOLE   0 0 696,374
VANGUARD FTSE EMERGING MARKE COM 922042858 7,574 188,133 SH   SOLE   0 0 188,133
VANGUARD GROWTH ETF COM 922908736 9,883 59,437 SH   SOLE   0 0 59,437
VANGUARD HIGH DVD YIELD ETF COM 921946406 881 9,932 SH   SOLE   0 0 9,932
VANGUARD REAL ESTATE ETF COM 922908553 32,086 344,090 SH   SOLE   0 0 344,090
VANGUARD RUSSELL 3000 COM 92206C599 1,125 8,323 SH   SOLE   0 0 8,323
VANGUARD S&P 500 ETF COM 922908363 34,216 125,518 SH   SOLE   0 0 125,518
VANGUARD SHORT-TERM BOND ETF COM 921937827 811 10,039 SH   SOLE   0 0 10,039
VANGUARD SHORT-TERM TREASURY COM 92206C102 43,600 715,581 SH   SOLE   0 0 715,581
VANGUARD SMALL-CAP ETF COM 922908751 21,393 139,017 SH   SOLE   0 0 139,017
VANGUARD SMALL-CAP VALUE ETF COM 922908611 204 1,580 SH   SOLE   0 0 1,580
VANGUARD TOTAL INTL BOND ETF COM 92203J407 361 6,138 SH   SOLE   0 0 6,138
VANGUARD VALUE ETF COM 922908744 735 6,582 SH   SOLE   0 0 6,582
VERIZON COMMUNICATIONS INC COM 92343V104 382 6,328 SH   SOLE   0 0 6,328
VISA INC-CLASS A SHARES COM 92826C839 485 2,820 SH   SOLE   0 0 2,820
VODAFONE GROUP PLC-SP ADR COM 92857W308 341 17,105 SH   SOLE   0 0 17,105
WALMART INC COM 931142103 695 5,854 SH   SOLE   0 0 5,854
WALT DISNEY CO/THE COM 254687106 342 2,625 SH   SOLE   0 0 2,625
WELLS FARGO & CO COM 949746101 380 7,529 SH   SOLE   0 0 7,529
WEYERHAEUSER CO COM 962166104 353 12,735 SH   SOLE   0 0 12,735
WISDOMTREE US SMALLCAP DIVID COM 97717W604 325 11,874 SH   SOLE   0 0 11,874
WORLD ACCEPTANCE CORP COM 981419104 235 1,843 SH   SOLE   0 0 1,843
XTRACKERS MSCI EAFE HEDGED E COM 233051200 44,773 1,384,438 SH   SOLE   0 0 1,384,438