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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 21,103 265,308 SH   SOLE   265,307 0 0
APPLE INC COM 037833100 15,816 90,579 SH   SOLE   90,579 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,980 26,266 SH   SOLE   26,265 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,590 9,707 SH   SOLE   9,706 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,007 23,562 SH   SOLE   23,561 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,460 9,831 SH   SOLE   9,830 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,640 20,688 SH   SOLE   20,688 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,430 63,693 SH   SOLE   63,693 0 0
AMAZON COM INC COM 023135106 3,280 1,006 SH   SOLE   1,006 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,971 6,579 SH   SOLE   6,578 0 0
MICROSOFT CORP COM 594918104 2,539 8,235 SH   SOLE   8,235 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,422 10,184 SH   SOLE   10,184 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,008 13,414 SH   SOLE   13,413 0 0
GUARANTY BANCSHARES INC TEX COM 400764106 1,807 51,640 SH   SOLE   51,640 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,535 10,390 SH   SOLE   10,389 0 0
JOHNSON & JOHNSON COM 478160104 1,459 8,231 SH   SOLE   8,230 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,400 33,543 SH   SOLE   33,543 0 0
JACOBS ENGR GROUP INC COM 469814107 1,379 10,005 SH   SOLE   10,005 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,373 12,726 SH   SOLE   12,725 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,361 11,155 SH   SOLE   11,154 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,340 17,160 SH   SOLE   17,160 0 0
ALPHABET INC CAP STK CL A 02079K305 1,224 440 SH   SOLE   440 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,078 3,054 SH   SOLE   3,054 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,059 21,372 SH   SOLE   21,372 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,037 10,277 SH   SOLE   10,277 0 0
ALPHABET INC CAP STK CL C 02079K107 1,003 359 SH   SOLE   359 0 0
VISA INC COM CL A 92826C839 997 4,494 SH   SOLE   4,494 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 929 16,138 SH   SOLE   16,138 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 892 8,808 SH   SOLE   8,808 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 888 8,197 SH   SOLE   8,196 0 0
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 862 66,253 SH   SOLE   66,252 0 0
ISHARES INC CORE MSCI EMKT 46434G103 809 14,571 SH   SOLE   14,570 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 770 16,253 SH   SOLE   16,253 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 740 1,783 SH   SOLE   1,782 0 0
ISHARES TR EAFE SML CP ETF 464288273 723 10,892 SH   SOLE   10,891 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 710 6,322 SH   SOLE   6,321 0 0
ABBVIE INC COM 00287Y109 696 4,295 SH   SOLE   4,295 0 0
TESLA INC COM 88160R101 685 636 SH   SOLE   636 0 0
STARBUCKS CORP COM 855244109 682 7,492 SH   SOLE   7,491 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 670 26,332 SH   SOLE   26,331 0 0
BK OF AMERICA CORP COM 060505104 636 15,430 SH   SOLE   15,429 0 0
JPMORGAN CHASE & CO COM 46625H100 608 4,458 SH   SOLE   4,457 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 594 10,697 SH   SOLE   10,697 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 582 1,604 SH   SOLE   1,604 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 572 1,732 SH   SOLE   1,731 0 0
COCA COLA CO COM 191216100 554 8,941 SH   SOLE   8,940 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 547 9,652 SH   SOLE   9,652 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 534 10,004 SH   SOLE   10,003 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   1 0 0
PEPSICO INC COM 713448108 509 3,041 SH   SOLE   3,040 0 0
ISHARES TR SP SMCP600VL ETF 464287879 472 4,612 SH   SOLE   4,612 0 0
ISHARES TR MSCI EAFE ETF 464287465 463 6,294 SH   SOLE   6,294 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 462 2,906 SH   SOLE   2,906 0 0
SCHWAB CHARLES CORP COM 808513105 442 5,244 SH   SOLE   5,244 0 0
PROVIDENT FINL SVCS INC COM 74386T105 430 18,362 SH   SOLE   18,362 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 425 11,576 SH   SOLE   11,575 0 0
NVIDIA CORPORATION COM 67066G104 419 1,535 SH   SOLE   1,534 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 416 8,656 SH   SOLE   8,656 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 413 8,165 SH   SOLE   8,165 0 0
UNITEDHEALTH GROUP INC COM 91324P102 401 787 SH   SOLE   787 0 0
AT&T INC COM 00206R102 395 16,727 SH   SOLE   16,727 0 0
TRUIST FINL CORP COM 89832Q109 389 6,866 SH   SOLE   6,866 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 380 6,659 SH   SOLE   6,659 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 375 8,136 SH   SOLE   8,136 0 0
BOEING CO COM 097023105 350 1,826 SH   SOLE   1,825 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 335 8,815 SH   SOLE   8,814 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 328 9,506 SH   SOLE   9,506 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 308 7,000 SH   SOLE   7,000 0 0
ISHARES TR EAFE VALUE ETF 464288877 299 5,952 SH   SOLE   5,952 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 297 5,831 SH   SOLE   5,831 0 0
PPG INDS INC COM 693506107 294 2,239 SH   SOLE   2,239 0 0
UNION PAC CORP COM 907818108 293 1,074 SH   SOLE   1,073 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 287 9,916 SH   SOLE   9,915 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 278 1,672 SH   SOLE   1,672 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 275 3,535 SH   SOLE   3,534 0 0
EXXON MOBIL CORP COM 30231G102 271 3,276 SH   SOLE   3,276 0 0
YUM BRANDS INC COM 988498101 267 2,252 SH   SOLE   2,252 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 265 1,269 SH   SOLE   1,268 0 0
FACEBOOK INC CL A 30303M102 261 1,175 SH   SOLE   1,175 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 253 9,128 SH   SOLE   9,128 0 0
ISHARES TR MSCI INTL SML CP 46434V266 241 7,027 SH   SOLE   7,027 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 223 378 SH   SOLE   378 0 0
STRYKER CORPORATION COM 863667101 222 831 SH   SOLE   831 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 221 1,398 SH   SOLE   1,398 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 217 6,885 SH   SOLE   6,885 0 0
ORACLE CORP COM 68389X105 216 2,610 SH   SOLE   2,609 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 211 3,614 SH   SOLE   3,614 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 210 1,150 SH   SOLE   1,149 0 0
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 33 11,779 SH   SOLE   11,779 0 0