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
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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   2,734,633 15,972 SH   SOLE 0 0 0 15,972
D R HORTON INC COM 23331A109   465,013 4,327 SH   SOLE 0 0 0 4,327
DISNEY WALT CO COM 254687106   244,933 3,022 SH   SOLE 0 0 0 3,022
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   9,237,520 193,052 SH   SOLE 0 0 0 193,052
FLEXSHARES TR MORNSTAR UPSTR 33939L407   722,663 17,870 SH   SOLE 0 0 0 17,870
GENERAL MTRS CO COM 37045V100   364,040 11,042 SH   SOLE 0 0 0 11,042
INSPIRATO INCORPORATED COM CL A 45791E107   16,311 27,645 SH   SOLE 0 0 0 27,645
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621   8,840,118 628,742 SH   SOLE 0 0 0 628,742
ISHARES INC CORE MSCI EMKT 46434G103   9,382,102 197,144 SH   SOLE 0 0 0 197,144
ISHARES TR CORE MSCI EAFE 46432F842   7,323,995 113,815 SH   SOLE 0 0 0 113,815
ISHARES TR JPMORGAN USD EMG 464288281   2,532,984 30,695 SH   SOLE 0 0 0 30,695
ISHARES TR MSCI USA MIN VOL 46429B697   9,082,842 125,488 SH   SOLE 0 0 0 125,488
ISHARES TR MSCI USA QLT FCT 46432F339   6,891,107 52,289 SH   SOLE 0 0 0 52,289
ISHARES TR CORE DIV GRWTH 46434V621   9,858,085 199,033 SH   SOLE 0 0 0 199,033
ISHARES TR CORE S&P MCP ETF 464287507   257,647 1,033 SH   SOLE 0 0 0 1,033
ISHARES TR S&P 500 VAL ETF 464287408   291,095 1,892 SH   SOLE 0 0 0 1,892
ISHARES TR CORE S&P500 ETF 464287200   33,324,198 77,601 SH   SOLE 0 0 0 77,601
ISHARES TR S&P 500 GRWT ETF 464287309   338,931 4,954 SH   SOLE 0 0 0 4,954
ISHARES TR RUS 1000 VAL ETF 464287598   601,831 3,964 SH   SOLE 0 0 0 3,964
ISHARES TR RUS 1000 GRW ETF 464287614   1,183,686 4,450 SH   SOLE 0 0 0 4,450
ISHARES TR 0-3 MNTH TREASRY 46436E718   271,468 2,697 SH   SOLE 0 0 0 2,697
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   440,303 8,764 SH   SOLE 0 0 0 8,764
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   412,808 8,121 SH   SOLE 0 0 0 8,121
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   327,303 5,629 SH   SOLE 0 0 0 5,629
MICROSOFT CORP COM 594918104   295,292 935 SH   SOLE 0 0 0 935
NETFLIX INC COM 64110L106   430,464 1,140 SH   SOLE 0 0 0 1,140
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   238,861 14,494 SH   SOLE 0 0 0 14,494
OPEN LENDING CORP COM 68373J104   189,412 25,876 SH   SOLE 0 0 0 25,876
PEPSICO INC COM 713448108   1,071,563 6,324 SH   SOLE 0 0 0 6,324
SABINE RTY TR UNIT BEN INT 785688102   366,668 5,564 SH   SOLE 0 0 0 5,564
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   393,217 7,888 SH   SOLE 0 0 0 7,888
SPDR GOLD TR GOLD SHS 78463V107   203,683 1,188 SH   SOLE 0 0 0 1,188
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,763,643 25,179 SH   SOLE 0 0 0 25,179
UNITEDHEALTH GROUP INC COM 91324P102   331,416 657 SH   SOLE 0 0 0 657
VANGUARD INDEX FDS MID CAP ETF 922908629   7,401,252 35,542 SH   SOLE 0 0 0 35,542
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   593,974 1,513 SH   SOLE 0 0 0 1,513
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   975,028 16,831 SH   SOLE 0 0 0 16,831
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,595,091 372,229 SH   SOLE 0 0 0 372,229
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   448,390 10,256 SH   SOLE 0 0 0 10,256
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,014,098 84,755 SH   SOLE 0 0 0 84,755