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
APPLE INC COM 037833100   2,050,205 15,779 SH   SOLE 0 0 0 15,779
CARNIVAL CORP COMMON STOCK 143658300   105,900 13,139 SH   SOLE 0 0 0 13,139
CARRIER GLOBAL CORPORATION COM 14448C104   206,250 5,000 SH   SOLE 0 0 0 5,000
D R HORTON INC COM 23331A109   380,724 4,271 SH   SOLE 0 0 0 4,271
DISNEY WALT CO COM 254687106   262,551 3,022 SH   SOLE 0 0 0 3,022
EXXON MOBIL CORP COM 30231G102   841,503 7,629 SH   SOLE 0 0 0 7,629
FLEXSHARES TR MORNSTAR UPSTR 33939L407   780,287 17,950 SH   SOLE 0 0 0 17,950
GENERAL MTRS CO COM 37045V100   413,063 12,279 SH   SOLE 0 0 0 12,279
INSPIRATO INCORPORATED COM CL A 45791E107   41,228 34,645 SH   SOLE 0 0 0 34,645
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   796,281 12,461 SH   SOLE 0 0 0 12,461
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   3,855,140 87,617 SH   SOLE 0 0 0 87,617
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621   6,308,776 438,109 SH   SOLE 0 0 0 438,109
ISHARES INC CORE MSCI EMKT 46434G103   7,514,459 160,909 SH   SOLE 0 0 0 160,909
ISHARES TR JPMORGAN USD EMG 464288281   918,057 10,853 SH   SOLE 0 0 0 10,853
ISHARES TR CORE S&P TTL STK 464287150   4,800,781 56,613 SH   SOLE 0 0 0 56,613
ISHARES TR MSCI USA MIN VOL 46429B697   7,301,216 101,265 SH   SOLE 0 0 0 101,265
ISHARES TR MSCI USA VALUE 46432F388   4,249,442 46,625 SH   SOLE 0 0 0 46,625
ISHARES TR MSCI USA QLT FCT 46432F339   4,410,708 38,704 SH   SOLE 0 0 0 38,704
ISHARES TR CORE DIV GRWTH 46434V621   9,112,928 182,259 SH   SOLE 0 0 0 182,259
ISHARES TR RUS MID CAP ETF 464287499   3,741,995 55,478 SH   SOLE 0 0 0 55,478
ISHARES TR CORE S&P MCP ETF 464287507   345,975 1,430 SH   SOLE 0 0 0 1,430
ISHARES TR CORE S&P500 ETF 464287200   23,480,898 61,115 SH   SOLE 0 0 0 61,115
ISHARES TR RUS 1000 VAL ETF 464287598   4,202,342 27,711 SH   SOLE 0 0 0 27,711
ISHARES TR RUS 1000 GRW ETF 464287614   465,000 2,170 SH   SOLE 0 0 0 2,170
MICROSOFT CORP COM 594918104   233,249 973 SH   SOLE 0 0 0 973
NETFLIX INC COM 64110L106   336,163 1,140 SH   SOLE 0 0 0 1,140
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   177,407 14,494 SH   SOLE 0 0 0 14,494
OPEN LENDING CORP COM CL A 68373J104   174,663 25,876 SH   SOLE 0 0 0 25,876
RAYTHEON TECHNOLOGIES CORP COM 75513E101   623,176 6,175 SH   SOLE 0 0 0 6,175
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   353,461 7,888 SH   SOLE 0 0 0 7,888
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,265,011 21,612 SH   SOLE 0 0 0 21,612
UNITEDHEALTH GROUP INC COM 91324P102   355,194 670 SH   SOLE 0 0 0 670
VANECK ETF TRUST GOLD MINERS ETF 92189F106   208,615 7,279 SH   SOLE 0 0 0 7,279
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,831,416 5,213 SH   SOLE 0 0 0 5,213
VANGUARD INDEX FDS MID CAP ETF 922908629   2,956,063 14,504 SH   SOLE 0 0 0 14,504
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   16,606,289 426,021 SH   SOLE 0 0 0 426,021
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   936,275 6,166 SH   SOLE 0 0 0 6,166
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   241,202 5,747 SH   SOLE 0 0 0 5,747
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,399,935 88,553 SH   SOLE 0 0 0 88,553