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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Vanguard Growth ETF ETF 922908736   27,201,574 127,641 SH   SOLE   0 0 127,641
Vanguard Value ETF ETF 922908744   22,707,093 161,766 SH   SOLE   0 0 161,766
iShares Core MSCI EAFE ETF ETF 46432F842   16,198,191 262,787 SH   SOLE   0 0 262,787
iShares National Muni Bond ETF ETF 464288414   11,321,241 107,290 SH   SOLE   0 0 107,290
Vanguard Intermediate-Term Bond ETF ETF 921937819   9,461,010 127,301 SH   SOLE   0 0 127,301
iShares Core MSCI Emerging Markets ETF ETF 46434G103   8,010,685 171,535 SH   SOLE   0 0 171,535
SPDR S&P DIVIDEND ETF (MKT) ETF 78464A763   7,665,865 61,273 SH   SOLE   0 0 61,273
Vanguard Small-Cap Value ETF ETF 922908611   6,033,130 37,992 SH   SOLE   0 0 37,992
Invesco QQQ Trust Series 1 ETF 46090E103   5,100,327 19,154 SH   SOLE   0 0 19,154
Vanguard Total International Bond ETF ETF 92203J407   4,973,700 104,864 SH   SOLE   0 0 104,864
ISHARES CORE S&P SMALL-CAP (MKT) ETF 464287804   4,521,521 47,776 SH   SOLE   0 0 47,776
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ETF SHARES ETF 921909768   4,140,910 80,064 SH   SOLE   0 0 80,064
VanEck High Yield Muni ETF ETF 92189H409   1,794,929 35,508 SH   SOLE   0 0 35,508
VanEck J. P. Morgan EM Local Currency Bond ETF ETF 92189H300   1,648,997 68,056 SH   SOLE   0 0 68,056
Vanguard Small-Cap Growth ETF ETF 922908595   1,633,198 8,144 SH   SOLE   0 0 8,144
iShares JP Morgan USD Emerging Markets Bond ETF ETF 464288281   1,613,554 19,075 SH   SOLE   0 0 19,075
Xtrackers USD High Yield Corporate Bond ETF ETF 233051432   1,548,165 45,926 SH   SOLE   0 0 45,926
Vanguard Short-Term Corporate Bond ETF ETF 92206C409   1,518,387 20,194 SH   SOLE   0 0 20,194
CONOCOPHILLIPS STOCK 20825C104   1,417,770 12,015 SH   SOLE   0 0 12,015
ONEOK Inc STOCK 682680103   1,342,580 20,435 SH   SOLE   0 0 20,435
VANGUARD EMERGING MARKETS STOCK IDX ETF (MKT) ETF 922042858   1,294,955 33,221 SH   SOLE   0 0 33,221
Apple Inc STOCK 037833100   1,218,743 9,380 SH   SOLE   0 0 9,380
PHILLIPS 66 STOCK 718546104   1,067,340 10,255 SH   SOLE   0 0 10,255
Vanguard Total International Stock ETF ETF 921909768   976,163 18,874 SH   SOLE   0 0 18,874
Invesco S&P 500 Equal Weight ETF ETF 46137V357   946,093 6,698 SH   SOLE   0 0 6,698
Simmons First National Corp STOCK 828730200   776,880 36,000 SH   SOLE   0 0 36,000
Berkshire Hathaway Inc STOCK 084670702   772,250 2,500 SH   SOLE   0 0 2,500
SPDR S&P 500 ETF Trust ETF 78462F103   758,359 1,983 SH   SOLE   0 0 1,983
INVESCO DYNAMIC LG CP VALUE ETF 46137V738   615,451 13,078 SH   SOLE   0 0 13,078
Exxon Mobil Corp STOCK 30231G102   605,437 5,489 SH   SOLE   0 0 5,489
OGE Energy Corp STOCK 670837103   605,075 15,299 SH   SOLE   0 0 15,299
Schwab US Large-Cap ETF ETF 808524201   596,070 13,202 SH   SOLE   0 0 13,202
SPDR PORTFOLIO DEVLPD WORLD EX US ETF ETF 78463X889   569,840 19,193 SH   SOLE   0 0 19,193
Vanguard FTSE Developed Markets ETF ETF 921943858   548,926 13,079 SH   SOLE   0 0 13,079
AT&T INC STOCK 00206R102   533,761 28,993 SH   SOLE   0 0 28,993
Vanguard Tax-Exempt Bond Index ETF ETF 922907746   396,811 8,018 SH   SOLE   0 0 8,018
Tesla Inc STOCK 88160R101   343,056 2,785 SH   SOLE   0 0 2,785
FORD MOTOR COMPANY STOCK 345370860   333,839 28,705 SH   SOLE   0 0 28,705
Vanguard Total Bond Market ETF ETF 921937835   300,507 4,183 SH   SOLE   0 0 4,183
International Business Machines Corp STOCK 459200101   297,278 2,110 SH   SOLE   0 0 2,110
Walmart Inc STOCK 931142103   294,498 2,077 SH   SOLE   0 0 2,077
Vanguard 500 Index Fund ETF 922908710   259,490 733 SH   SOLE   0 0 733
ENERGY TRANSFER OPERATING LP STOCK 29273V100   225,221 18,974 SH   SOLE   0 0 18,974
AT&T Inc STOCK 00206R102   218,766 11,883 SH   SOLE   0 0 11,883
SUNCOKE ENERGY INC STOCK 86722A103   97,044 11,245 SH   SOLE   0 0 11,245
Medical Marijuana Inc STOCK 58463A105   122 20,000 SH   SOLE   0 0 20,000
CannaSys Inc STOCK 137651204   9 20,000 SH   SOLE   0 0 20,000
Hemp Inc STOCK 423703206   4 10,000 SH   SOLE   0 0 10,000
OWC Pharmaceutical Research Corp STOCK 67109N108   3 25,000 SH   SOLE   0 0 25,000
Nautilus Minerals Inc STOCK 639097104   0 17,789 SH   SOLE   0 0 17,789