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
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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
APPLE INC COM 037833100 2,867 16,418 SH   SOLE 0 0 0 16,418
CISCO SYS INC COM 17275R102 240 4,307 SH   SOLE 0 0 0 4,307
D R HORTON INC COM 23331A109 327 4,394 SH   SOLE 0 0 0 4,394
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 5,298 313,119 SH   SOLE 0 0 0 313,119
ISHARES INC CORE MSCI EMKT 46434G103 19,664 353,985 SH   SOLE 0 0 0 353,985
ISHARES TR MSCI USA VALUE 46432F388 6,977 66,719 SH   SOLE 0 0 0 66,719
ISHARES TR MSCI USA QLT FCT 46432F339 6,987 51,897 SH   SOLE 0 0 0 51,897
ISHARES TR CORE DIV GRWTH 46434V621 7,673 143,659 SH   SOLE 0 0 0 143,659
ISHARES TR CORE S&P500 ETF 464287200 38,438 84,724 SH   SOLE 0 0 0 84,724
ISHARES TR RUS 1000 GRW ETF 464287614 200 721 SH   SOLE 0 0 0 721
ISHARES TR JPMORGAN USD EMG 464288281 5,478 56,035 SH   SOLE 0 0 0 56,035
ISHARES TR MSCI USA MIN VOL 46429B697 6,643 85,634 SH   SOLE 0 0 0 85,634
J P MORGAN EXCHANGE-TRADED F BETABUILDERS EUR 46641Q191 322 5,873 SH   SOLE 0 0 0 5,873
J P MORGAN EXCHANGE-TRADED F BETABUILDERS CDA 46641Q225 269 3,834 SH   SOLE 0 0 0 3,834
J P MORGAN EXCHANGE-TRADED F BETABUILDERS DEV 46641Q233 251 4,511 SH   SOLE 0 0 0 4,511
JOHNSON & JOHNSON COM 478160104 261 1,474 SH   SOLE 0 0 0 1,474
MICROSOFT CORP COM 594918104 505 1,637 SH   SOLE 0 0 0 1,637
OPEN LENDING CORP COM CL A 68373J104 489 25,876 SH   SOLE 0 0 0 25,876
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,962 15,415 SH   SOLE 0 0 0 15,415
UNITEDHEALTH GROUP INC COM 91324P102 356 699 SH   SOLE 0 0 0 699
VANECK ETF TRUST GOLD MINERS ETF 92189F106 281 7,328 SH   SOLE 0 0 0 7,328
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,381 5,734 SH   SOLE 0 0 0 5,734
VANGUARD INDEX FDS MID CAP ETF 922908629 6,140 25,817 SH   SOLE 0 0 0 25,817
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 204 1,231 SH   SOLE 0 0 0 1,231
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,691 80,004 SH   SOLE 0 0 0 80,004
VISA INC COM CL A 92826C839 206 928 SH   SOLE 0 0 0 928