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 2,211 16,171 SH   SOLE 0 0 0 16,171
D R HORTON INC COM 23331A109 283 4,271 SH   SOLE 0 0 0 4,271
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 5,255 338,137 SH   SOLE 0 0 0 338,137
ISHARES INC CORE MSCI EMKT 46434G103 18,901 385,267 SH   SOLE 0 0 0 385,267
ISHARES TR MSCI USA VALUE 46432F388 6,569 72,572 SH   SOLE 0 0 0 72,572
ISHARES TR MSCI USA QLT FCT 46432F339 6,183 55,335 SH   SOLE 0 0 0 55,335
ISHARES TR CORE DIV GRWTH 46434V621 7,252 152,233 SH   SOLE 0 0 0 152,233
ISHARES TR CORE S&P MCP ETF 464287507 209 926 SH   SOLE 0 0 0 926
ISHARES TR CORE S&P500 ETF 464287200 33,420 88,145 SH   SOLE 0 0 0 88,145
ISHARES TR JPMORGAN USD EMG 464288281 5,326 62,428 SH   SOLE 0 0 0 62,428
ISHARES TR MSCI USA MIN VOL 46429B697 6,384 90,931 SH   SOLE 0 0 0 90,931
OPEN LENDING CORP COM CL A 68373J104 265 25,876 SH   SOLE 0 0 0 25,876
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 349 7,888 SH   SOLE 0 0 0 7,888
SPDR S&P 500 ETF TR TR UNIT 78462F103 24 900 SH Put SOLE 0 0 0 900
SPDR S&P 500 ETF TR TR UNIT 78462F103 49 900 SH Put SOLE 0 0 0 900
SPDR S&P 500 ETF TR TR UNIT 78462F103 44 500 SH Put SOLE 0 0 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103 184 2,200 SH Put SOLE 0 0 0 2,200
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,610 20,172 SH   SOLE 0 0 0 20,172
UNITEDHEALTH GROUP INC COM 91324P102 321 625 SH   SOLE 0 0 0 625
VANECK ETF TRUST GOLD MINERS ETF 92189F106 201 7,328 SH   SOLE 0 0 0 7,328
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,520 4,381 SH   SOLE 0 0 0 4,381
VANGUARD INDEX FDS MID CAP ETF 922908629 5,429 27,560 SH   SOLE 0 0 0 27,560
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,451 82,858 SH   SOLE 0 0 0 82,858
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 252 6,165 SH   SOLE 0 0 0 6,165