Cowa 13F-HR Quarterly holdings report by institutional manager

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

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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
ABBVIE INCORPORATED	COM	00287Y109	830	7,265	SH		SOLE	None	0	0	7,265
ALERIAN MLP ETF	ALERIAN MLP	00162Q452	1,312	36,445	SH		SOLE	None	0	0	36,445
ALIBABA GROUP HLDG LIMITED SPONSORED ADS	SPONSORED ADS	01609W102	1,317	5,938	SH		SOLE	None	0	0	5,938
ALLIANCE RESOURCE PARTNERS L P UT LTD PART	UT LTD PART	01877R108	251	34,558	SH		SOLE	None	0	0	34,558
ALPHABET INCORPORATED CAP STK CLASS C	CAP STK CL C	02079K107	500	198	SH		SOLE	None	0	0	198
ALTRIA GROUP INCORPORATED	COM	02209S103	342	7,117	SH		SOLE	None	0	0	7,117
AMERICAN EXPRESS COMPANY	COM	025816109	107	105,000	SH		SOLE	None	0	0	105,000
ASTRAZENECA PLC SPONSORED ADR	SPONSORED ADR	046353108	541	8,970	SH		SOLE	None	0	0	8,970
ATT INCORPORATED	COM	00206R102	1,223	42,184	SH		SOLE	None	0	0	42,184
AVANTIS U.S. SMALL CAP VALUE ETF	US SML CP VALU	025072877	1,350	17,564	SH		SOLE	None	0	0	17,564
AVNET INCORPORATED	COM	053807103	323	8,017	SH		SOLE	None	0	0	8,017
B2GOLD CORPORATION	COM	11777Q209	208	49,781	SH		SOLE	None	0	0	49,781
BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW	CL B NEW	084670702	371	1,334	SH		SOLE	None	0	0	1,334
BK OF AMERICA CORPORATION	COM	060505104	1,275	31,109	SH		SOLE	None	0	0	31,109
BOEING COMPANY	COM	097023105	400	1,666	SH		SOLE	None	0	0	1,666
BOK FINL CORPORATION COM NEW	COM NEW	05561Q201	558	6,397	SH		SOLE	None	0	0	6,397
BP PLC SPONSORED ADR	SPONSORED ADR	055622104	486	18,692	SH		SOLE	None	0	0	18,692
BRISTOLMYERS SQUIBB COMPANY	COM	110122108	1,566	23,524	SH		SOLE	None	0	0	23,524
CHEVRON CORPORATION NEW	COM	166764100	637	5,998	SH		SOLE	None	0	0	5,998
CISCO SYSTEMS INCORPORATED	COM	17275R102	867	16,215	SH		SOLE	None	0	0	16,215
CLOROX COMPANY DEL	COM	189054109	340	1,900	SH		SOLE	None	0	0	1,900
CNH INDL N V SHS	SHS	N20944109	221	13,000	SH		SOLE	None	0	0	13,000
COCA COLA COMPANY	COM	191216100	464	8,591	SH		SOLE	None	0	0	8,591
CONOCOPHILLIPS	COM	20825C104	1,374	22,519	SH		SOLE	None	0	0	22,519
CONOCOPHILLIPS	COM	20825C104	777	12,794	SH		SOLE	None	12,794	0	0
DANAHER CORPORATION	COM	235851102	794	2,917	SH		SOLE	None	0	0	2,917
DIMENSIONAL INTERN CORE EQT MKT ETF	INTL CORE EQT MK	25434V203	4,427	151,980	SH		SOLE	None	151,980	0	0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	INTL CORE EQT MK	25434V203	2,484	84,735	SH		SOLE	None	0	0	84,735
DIMENSIONAL US CORE EQUITY MARKT ETF	US CORE EQT MKT	25434V104	1,300	43,075	SH		SOLE	None	43,075	0	0
DIMENSIONAL US CORE EQUITY MARKET ETF	US CORE EQT MKT	25434V104	2,125	69,935	SH		SOLE	None	0	0	69,935
DXC TECHNOLOGY COMPANY	COM	23355L106	772	19,125	SH		SOLE	None	0	0	19,125
EBAY INCORPORATED	COM	278642103	242	3,468	SH		SOLE	None	0	0	3,468
EMERSON ELEC COMPANY	COM	291011104	389	4,015	SH		SOLE	None	0	0	4,015
ENTERPRISE PRODUCTS PARTNERS L P	COM	293792107	1,921	78,392	SH		SOLE	None	0	0	78,392
EXXON MOBIL CORPORATION	COM	30231G102	365	5,790	SH		SOLE	None	0	0	5,790
FORTIVE CORPORATION	COM	34959J108	315	4,464	SH		SOLE	None	0	0	4,464
FTC SOLAR INCORPORATED	COM	30320C103	299	22,603	SH		SOLE	None	0	0	22,603
FUBOTV INCORPORATED	COM	35953D104	280	9,028	SH		SOLE	None	0	0	9,028
GENERAL ELECTRIC COMPANY	COM	369604103	188	14,434	SH		SOLE	None	0	0	14,434
GENERAL MTRS COMPANY	COM	37045V100	777	13,138	SH		SOLE	None	0	0	13,138
HOME DEPOT INCORPORATED	COM	437076102	670	2,085	SH		SOLE	None	0	0	2,085
INTEL CORPORATION	COM	458140100	303	5,390	SH		SOLE	None	0	0	5,390
INTERNATIONAL BUSINESS MACHINES	COM	459200101	647	4,403	SH		SOLE	None	0	0	4,403
INTERNATIONAL PAPER COMPANY	COM	460146103	325	5,322	SH		SOLE	None	0	0	5,322
INVESCO FTSE RAFI US 1000 ETF	COM	458140100	293	1,830	SH		SOLE	None	1,830	0	0
INVESCO QQQ TRUST	FTSE RAFI 1000	46137V613	974	2,749	SH		SOLE	None	2,749	0	0
INVESCO SP 500 EQUAL WEIGHT ETF	UNIT SER 1	46090E103	3,575	23,742	SH		SOLE	None	23,742	0	0
ISHARES CORE MSCI EAFE ETF IV	CORE MSCI EAFE	46432F842	568	7,615	SH		SOLE	None	7,615	0	0
ISHARES CORE MSCI TOTL INTL STCK ETF	CORE MSCI EAFE	46432F842	1,043	14,268	SH		SOLE	None	14,268	0	0
ISHARES CORE SP MID CAPETF IV	CORE S&P MCP ETF	464287507	1,523	5,664	SH		SOLE	None	5,664	0	0
ISHARES CORE SP SMALL CAP ETF IV	CORE S&P SCP ETF	464287804	411	3,637	SH		SOLE	None	3,637	0	0
ISHARES CORE US REIT ETF IV	CRE U S REIT ETF	464288521	467	7,990	SH		SOLE	None	7,990	0	0
ISHARES GOLD TR ISHARES NEW	ISHARES NEW	464285204	4,255	125,858	SH		SOLE	None	0	0	125,858
ISHARES INTERNATIONAL SEL DIV ETF IV	INTL SEL DIV ETF	464288448	400	12,395	SH		SOLE	None	12,395	0	0
ISHARES TR CORE HIGH DV ETF	CORE HIGH DV ETF	46429B663	3,900	40,204	SH		SOLE	None	0	0	40,204
ISHARES TR CORE MSCI EAFE	CORE MSCI EAFE	46432F842	6,826	91,016	SH		SOLE	None	0	0	91,016
ISHARES TR CORE SP MCP ETF	CORE S&P MCP ETF	464287507	2,473	9,194	SH		SOLE	None	0	0	9,194
ISHARES TR CORE SP SCP ETF	CORE S&P SCP ETF	464287804	2,012	17,808	SH		SOLE	None	0	0	17,808
ISHARES TR CORE SP500 ETF	CORE S&P500 ETF	464287200	5,484	12,784	SH		SOLE	None	0	0	12,784
ISHARES TR CRE U S REIT ETF	CRE U S REIT ETF	464288521	1,627	27,760	SH		SOLE	None	0	0	27,760
ISHARES TR GRWT ALLOCAT ETF	GRWT ALLOCAT ETF	464289867	313	5,581	SH		SOLE	None	0	0	5,581
ISHARES TR INTL SEL DIV ETF	INTL SEL DIV ETF	464288448	5,692	177,862	SH		SOLE	None	0	0	177,862
ISHARES TR MSCI EAFE MIN VL	MSCI EAFE MIN VL	46429B689	656	8,684	SH		SOLE	None	0	0	8,684
ISHARES TR MSCI USA MIN VOL	MSCI USA MIN VOL	46429B697	290	3,916	SH		SOLE	None	0	0	3,916
ISHARES TR MSCI USA QLT FCT	MSCI USA QLT FCT	46432F339	1,325	9,962	SH		SOLE	None	0	0	9,962
JPMORGAN CHASE 7.62526 DUE 101526	COM	478160104	32	25,000	SH		SOLE	None	25,000	0	0
JPMORGAN CHASE COMPANY	COM	46625H100	630	4,037	SH		SOLE	None	0	0	4,037
JPMORGAN ULTRASHORT MUNICIPAL INCOME ETF	ULTRA SHT MUNCPL	46641Q654	1,021	19,995	SH		SOLE	None	0	0	19,995
KEYCORP	COM	493267108	337	16,150	SH		SOLE	None	0	0	16,150
KINROSS GOLD CORPORATION	COM	496902404	149	23,634	SH		SOLE	None	0	0	23,634
KRAFT HEINZ COMPANY	COM	500754106	399	9,858	SH		SOLE	None	0	0	9,858
LIBERTY MEDIA CORPORATION	DEB 4.000%11/1	530715AG6	12	17,000	SH		SOLE	None	0	0	17,000
LIVENT CORPORATION	COM	53814L108	331	16,789	SH		SOLE	None	0	0	16,789
LYONDELLBASELL INDUSTRIES N V SHS A	SHS - A -	N53745100	267	2,581	SH		SOLE	None	0	0	2,581
M D C HLDGS INCORPORATED	COM	552676108	360	6,970	SH		SOLE	None	0	0	6,970
MAGELLAN MIDSTREAM PA LP	ULTRA SHT MUNCPL	46641Q654	208	4,240	SH		SOLE	None	4,240	0	0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP	COM UNIT RP LP	559080106	1,055	21,530	SH		SOLE	None	0	0	21,530
MARATHON OIL CORPORATION	COM	565849106	321	22,624	SH		SOLE	None	0	0	22,624
MARRIOTT INTERNATIONAL INCORPORATED NEW CLASS A	CL A	571903202	210	1,510	SH		SOLE	None	0	0	1,510
MARTIN MARIETTA M 2.530 DUE 031530	COM UNIT RP LP	559080106	10	10,000	SH		SOLE	None	10,000	0	0
METROPOLITAN WEST TOTAL RETURN BD M	COM	580135101	434	40,266	SH		SOLE	None	39,562	0	0
MICROSOFT CORPORATION	COM	594918104	955	3,516	SH		SOLE	None	0	0	3,516
NOMAD FOODS LIMITED USD ORD SHS	USD ORD SHS	G6564A105	202	7,133	SH		SOLE	None	0	0	7,133
NORWEGIAN CRUISE LINE HLDG LIMITED SHS	SHS	G66721104	238	8,050	SH		SOLE	None	0	0	8,050
OGE ENERGY CORPORATION	COM	670837103	516	15,195	SH		SOLE	None	0	0	15,195
OK DFA 534SYST HLTH DUE 021534XTRO	COM	670837103	30	30,000	SH		SOLE	None	30,000	0	0
OLD REP INTERNATIONAL CORPORATION	COM	680223104	703	27,821	SH		SOLE	None	0	0	27,821
ONEOK INCORPORATED NEW	COM	682680103	3,375	59,280	SH		SOLE	None	0	0	59,280
ORION ENGINEERED CARBONS S A	COM	L72967109	472	24,831	SH		SOLE	None	0	0	24,831
PEPSICO INCORPORATED	COM	713448108	461	3,111	SH		SOLE	None	0	0	3,111
PFIZER INCORPORATED	COM	717081103	257	6,480	SH		SOLE	None	0	0	6,480
PHILLIPS 66	COM	718546104	1,237	14,382	SH		SOLE	None	0	0	14,382
PHILLIPS 66	COM	713448108	1,012	11,805	SH		SOLE	None	11,805	0	0
PHILLIPS 66 3.723 DUE 040623	COM	718546104	36	35,000	SH		SOLE	None	35,000	0	0
PLAINS GP HLDGS L P LTD PARTNR INT A	LTD PARTNR INT A	72651A207	214	17,665	SH		SOLE	None	0	0	17,665
PRUDENTIAL FINL INCORPORATED	COM	744320102	811	7,853	SH		SOLE	None	0	0	7,853
QUALCOMM INCORPORATED	COM	747525103	517	3,669	SH		SOLE	None	0	0	3,669
RAYTHEON TECHNOLOGIES CORPORATION	COM	75513E101	244	2,864	SH		SOLE	None	0	0	2,864
REGENERON PHARMACEUTICALS	COM	75886F107	498	866	SH		SOLE	None	0	0	866
RPM INTERNATIONAL INCORPORATED	COM	749685103	347	3,856	SH		SOLE	None	0	0	3,856
SABRE CORPORATION	COM	78573M104	159	12,600	SH		SOLE	None	0	0	12,600
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	1,977	26,185	SH		SOLE	None	26,185	0	0
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	6,035	80,479	SH		SOLE	None	0	0	80,479
SPDR BLMBRG BRCLY INV GRFLTN ETF IV	BLOMBERG BRC INV	78468R200	5,444	177,598	SH		SOLE	None	177,598	0	0
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING	BLOMBERG BRC INV	78468R200	5,663	182,671	SH		SOLE	None	0	0	182,671
SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF	BLOOMBERG SRT TR	78468R408	209	7,605	SH		SOLE	None	0	0	7,605
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	UT SER 1	78467X109	6,999	20,285	SH		SOLE	None	0	0	20,285
SPDR ENERGY SELECT SECTOR FUND	ENERGY	81369Y506	1,515	27,649	SH		SOLE	None	0	0	27,649
SPDR FINANCIAL SELECT SECTOR FUND	FINANCIAL	81369Y605	344	9,290	SH		SOLE	None	0	0	9,290
SPDR GOLD SHARES	GOLD SHS	78463V107	712	4,284	SH		SOLE	None	0	0	4,284
SPDR PORTFOLIO EMERGING MARKETS ETF	PORTFOLIO EMG MK	78463X509	344	7,467	SH		SOLE	None	0	0	7,467
SPDR PORTFOLIO SP 500 HIGH DIVIDEND ETF	PRTFLO S&P500 HI	78468R788	2,509	62,729	SH		SOLE	None	0	0	62,729
SPDR PORTFOLIO SP 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	528	13,270	SH		SOLE	None	0	0	13,270
SPDR PORTFOLIO SHORT TERM TREASURY ETF	PORTFOLIO SH TSR	78468R101	224	7,309	SH		SOLE	None	0	0	7,309
SPDR SP 500 ETF	TR UNIT	78462F103	1,895	4,428	SH		SOLE	None	0	0	4,428
SPDR SP 500 ETF IV	TR UNIT	78462F103	1,485	3,472	SH		SOLE	None	3,472	0	0
SPDR SP 500 HIGH DIVIDEND ETF IV	PRTFLO S&P500 HI	78468R788	2,420	60,425	SH		SOLE	None	60,425	0	0
SPDR SP BANK ETF	S&P BK ETF	78464A797	301	5,800	SH		SOLE	None	0	0	5,800
SPDR SP MIDCAP 400 ETF IV	UTSER1 S&PDCRP	78467Y107	304	620	SH		SOLE	None	620	0	0
SPDR SSGA ULTRA SHORT TERM ETF IV	ULT SHT TRM BD	78467V707	6,014	148,610	SH		SOLE	None	148,610	0	0
SPDR SSGA ULTRA SHORT TERM BOND ETF	ULT SHT TRM BD	78467V707	5,983	149,564	SH		SOLE	None	0	0	149,564
SPDR SSGA US SMALL CAP LOW VOLATILITY INDEX ETF	SSGA US SMAL ETF	78468R887	1,391	12,267	SH		SOLE	None	0	0	12,267
SPDR UTILITIES SELECT SECTOR FUND	SBI INT-UTILS	81369Y886	437	6,842	SH		SOLE	None	0	0	6,842
SYNAPTICS INCORPORATED	COM	87157D109	345	2,246	SH		SOLE	None	0	0	2,246
UNITED AIRLS HLDGS INCORPORATED	COM	910047109	404	7,616	SH		SOLE	None	0	0	7,616
VALLEY NATL BANCORP	COM	919794107	135	10,000	SH		SOLE	None	0	0	10,000
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	549	7,106	SH		SOLE	None	0	0	7,106
VANGUARD FTSE ALLWORLD EXUS ETF	ALLWRLD EX US	922042775	3,270	51,542	SH		SOLE	None	0	0	51,542
VANGUARD MID CAP ETF IV	MID CAP ETF	922908629	258	1,090	SH		SOLE	None	1,090	0	0
VANGUARD REAL ESTATE ETF IV	REAL ESTATE ETF	922908553	789	7,735	SH		SOLE	None	7,735	0	0
VANGUARD SHORT TERM COR BD ETF	SHRT TRM CORP BD	92206C409	335	4,055	SH		SOLE	None	4,055	0	0
VANGUARD SMALLCAP ETF	SMALL CP ETF	922908751	407	1,795	SH		SOLE	None	0	0	1,795
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	221	988	SH		SOLE	None	0	0	988
VERIZON COMMUNICATIONS INCORPORATED	COM	92343V104	332	5,924	SH		SOLE	None	0	0	5,924
VERTEX PHARMACEUTICALS INCORPORATED	COM	92532F100	442	2,187	SH		SOLE	None	0	0	2,187
VMWARE INCORPORATED CLASS A COM	CL A COM	928563402	265	1,697	SH		SOLE	None	0	0	1,697
WALGREENS BOOTS ALLIANCE INCORPORATED	COM	931427108	266	5,453	SH		SOLE	None	0	0	5,453
WALMART INCORPORATED	COM	931142103	639	4,589	SH		SOLE	None	0	0	4,589
WELLS FARGO COMPANY NEW	COM	949746101	448	9,864	SH		SOLE	None	0	0	9,864
WEYERHAEUSER COMPANY MTN BE COM NEW REIT	COM NEW	962166104	237	6,900	SH		SOLE	None	0	0	6,900