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
ABBOTT LABS	COM	002824100	579	4,114	SH		SOLE	None	0	0	4,114
ABRDN BLOOMBERG ALL COMMODITY STRATEGY	BBRG ALL COMD K1	003261104	1,078	46,906	SH		SOLE	None	0	0	46,906
AVANTIS EMERGING MARKETS EQUITY ETF	AVANTIS EMGMKT	025072604	832	13,134	SH		SOLE	None	0	0	13,134
AVANTIS U.S. SMALL CAP VALUE ETF	US SML CP VALU	025072877	2,995	37,558	SH		SOLE	None	0	0	37,558
AVANTIS US SMALL CAP VALUE ETF	US SML CP VALU	025072877	2,184	27,345	SH		SOLE	None	27,345	0	0
AMGEN INCORPORATED	COM	031162100	449	1,995	SH		SOLE	None	0	0	1,995
AMPLIFY CWP ENHANCED DIVIDEND INCOME ETF	CWP ENHANCED DIV	032108409	615	16,095	SH		SOLE	None	0	0	16,095
APPLE INCORPORATED	COM	037833100	6,919	38,964	SH		SOLE	None	0	0	38,964
ASTRAZENECA PLC SPONSORED ADR	SPONSORED ADR	046353108	502	8,620	SH		SOLE	None	0	0	8,620
BP PLC SPONSORED ADR	SPONSORED ADR	055622104	531	19,956	SH		SOLE	None	0	0	19,956
BK OF AMERICA CORPORATION	COM	060505104	1,310	29,452	SH		SOLE	None	0	0	29,452
BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW	CL B NEW	084670702	399	1,334	SH		SOLE	None	0	0	1,334
BOEING COMPANY	COM	097023105	353	1,754	SH		SOLE	None	0	0	1,754
BRISTOL MYERS SQUIBB COMPANY	COM	110122108	1,046	16,784	SH		SOLE	None	0	0	16,784
CAMBRIA SHAREHOLDER YIELD ETF	SHSHLD YIELD ETF	132061201	381	5,890	SH		SOLE	None	0	0	5,890
CARNIVAL CORPORATION COMMON STOCK	COMMON STOCK	143658300	219	10,900	SH		SOLE	None	0	0	10,900
CHEVRON CORPORATION NEW	COM	166764100	613	5,219	SH		SOLE	None	0	0	5,219
CLOROX COMPANY DEL	COM	189054109	331	1,900	SH		SOLE	None	0	0	1,900
COCA COLA COMPANY	COM	191216100	536	9,051	SH		SOLE	None	0	0	9,051
DANAHER CORPORATION	COM	235851102	966	2,937	SH		SOLE	None	0	0	2,937
EMERSON ELEC COMPANY	COM	291011104	216	2,325	SH		SOLE	None	0	0	2,325
ENTERPRISE PRODUCTS PARTNERS L P	COM	293792107	1,702	77,486	SH		SOLE	None	0	0	77,486
GENERAL ELECTRIC COMPANY COM NEW	COM NEW	369604301	249	2,631	SH		SOLE	None	0	0	2,631
HOME DEPOT INCORPORATED	COM	437076102	865	2,085	SH		SOLE	None	0	0	2,085
ILLINOIS TOOL WKS INCORPORATED	COM	452308109	211	855	SH		SOLE	None	0	0	855
INTEL CORPORATION	COM	458140100	268	5,213	SH		SOLE	None	0	0	5,213
INVESCO FTSE RAFI US 1000 ETF	COM	458140100	314	1,830	SH		SOLE	None	1,830	0	0
INTERNATIONAL BUSINESS MACHINES	COM	459200101	647	4,838	SH		SOLE	None	0	0	4,838
INTERNATIONAL PAPER COMPANY	COM	460146103	342	7,289	SH		SOLE	None	0	0	7,289
ISHARES GOLD TR ISHARES NEW	ISHARES NEW	464285204	3,300	94,798	SH		SOLE	None	0	0	94,798
ISHARES TR SELECT DIVID ETF	SELECT DIVID ETF	464287168	205	1,670	SH		SOLE	None	0	0	1,670
ISHARES TR CORE S P500 ETF	CORE S&P500 ETF	464287200	5,868	12,302	SH		SOLE	None	0	0	12,302
ISHARES TR CORE S P MCP ETF	CORE S&P MCP ETF	464287507	3,563	12,587	SH		SOLE	None	0	0	12,587
ISHARES CORE S P MID CAPETF IV	CORE S&P MCP ETF	464287507	2,141	7,530	SH		SOLE	None	7,530	0	0
ISHARES TR CORE S P SCP ETF	CORE S&P SCP ETF	464287804	2,354	20,555	SH		SOLE	None	0	0	20,555
ISHARES CORE S P SMALL CAP ETF IV	CORE S&P SCP ETF	464287804	352	3,067	SH		SOLE	None	3,067	0	0
ISHARES TR INTL SEL DIV ETF	INTL SEL DIV ETF	464288448	4,936	158,318	SH		SOLE	None	0	0	158,318
ISHARES INTERNATIONAL SEL DIV ETF IV	INTL SEL DIV ETF	464288448	370	11,845	SH		SOLE	None	11,845	0	0
ISHARES TR CRE U S REIT ETF	CRE U S REIT ETF	464288521	3,028	44,803	SH		SOLE	None	0	0	44,803
ISHARES CORE US REIT ETF	CRE U S REIT ETF	464288521	1,199	17,635	SH		SOLE	None	17,635	0	0
ISHARES TR GRWT ALLOCAT ETF	GRWT ALLOCAT ETF	464289867	254	4,455	SH		SOLE	None	0	0	4,455
JPMORGAN CHASE 7.625 26 DUE 10 15 26	COM	478160104	31	25,000	PRN		SOLE	None	25,000	0	0
KEYCORP	COM	493267108	627	27,123	SH		SOLE	None	0	0	27,123
KRAFT HEINZ COMPANY	COM	500754106	350	9,740	SH		SOLE	None	0	0	9,740
LAS VEGAS SANDS CORPORATION	COM	517834107	225	5,987	SH		SOLE	None	0	0	5,987
LENNAR CORPORATION CLASS A	CL A	526057104	371	3,192	SH		SOLE	None	0	0	3,192
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP	COM UNIT RP LP	559080106	951	20,480	SH		SOLE	None	0	0	20,480
MARTIN MARIETTA M 2.5 30 DUE 03 15 30	COM UNIT RP LP	559080106	10	10,000	PRN		SOLE	None	10,000	0	0
METROPOLITAN WEST TOTAL RETURN BD M	COM	580135101	396	36,383	SH		SOLE	None	36,383	0	0
MICROSOFT CORPORATION	COM	594918104	1,018	3,026	SH		SOLE	None	0	0	3,026
NORFOLK SOUTHN CORPORATION	COM	655844108	219	735	SH		SOLE	None	0	0	735
OGE ENERGY CORPORATION	COM	670837103	583	15,195	SH		SOLE	None	0	0	15,195
OK DFA 5 34SYST HLTH DUE 02 15 34XTRO	COM	670837103	30	30,000	PRN		SOLE	None	30,000	0	0
OLD REP INTERNATIONAL CORPORATION	COM	680223104	686	27,897	SH		SOLE	None	0	0	27,897
ONEOK INCORPORATED NEW	COM	682680103	3,168	53,918	SH		SOLE	None	0	0	53,918
PEPSICO INCORPORATED	COM	713448108	553	3,181	SH		SOLE	None	0	0	3,181
PHILLIPS 66	COM	713448108	473	6,522	SH		SOLE	None	6,522	0	0
PFIZER INCORPORATED	COM	717081103	354	5,987	SH		SOLE	None	0	0	5,987
PHILLIPS 66	COM	718546104	988	13,634	SH		SOLE	None	0	0	13,634
PHILLIPS 66 3.7 23 DUE 04 06 23	COM	718546104	36	35,000	PRN		SOLE	None	35,000	0	0
PRUDENTIAL FINL INCORPORATED	COM	744320102	833	7,695	SH		SOLE	None	0	0	7,695
RPM INTERNATIONAL INCORPORATED	COM	749685103	326	3,226	SH		SOLE	None	0	0	3,226
SCHWAB FUNDAMENTAL US LARGE COMPANY IDX	COM	756109104	2,712	118,126	SH		SOLE	None	118,126	0	0
ROYAL DUTCH SHELL PLC SPONS ADR A	SPONS ADR A	780259206	228	5,260	SH		SOLE	None	0	0	5,260
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	INTERNL DIVID	808524672	1,663	64,819	SH		SOLE	None	0	0	64,819
SCHWAB INTERNATIONAL DIVIDND EQY ETF	INTERNL DIVID	808524672	240	9,370	SH		SOLE	None	9,370	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	SCHWAB FDT US LG	808524771	677	11,542	SH		SOLE	None	0	0	11,542
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	5,607	69,362	SH		SOLE	None	0	0	69,362
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	1,911	23,605	SH		SOLE	None	23,605	0	0
SOUTHWESTERN ENERGY COMPANY	COM	845467109	207	44,384	SH		SOLE	None	0	0	44,384
TECK RESOURCES LIMITED CLASS B	CL B	878742204	575	19,939	SH		SOLE	None	0	0	19,939
UNITED AIRLS HLDGS INCORPORATED	COM	910047109	287	6,566	SH		SOLE	None	0	0	6,566
VALLEY NATL BANCORP	COM	919794107	138	10,000	SH		SOLE	None	0	0	10,000
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US	922042775	3,002	48,982	SH		SOLE	None	0	0	48,982
VANGUARD REAL ESTATE ETF IV	REAL ESTATE ETF	922908553	798	6,850	SH		SOLE	None	6,850	0	0
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	400	1,770	SH		SOLE	None	0	0	1,770
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	233	965	SH		SOLE	None	0	0	965
WALMART INCORPORATED	COM	931142103	664	4,589	SH		SOLE	None	0	0	4,589
WALGREENS BOOTS ALLIANCE INCORPORATED	COM	931427108	337	6,457	SH		SOLE	None	0	0	6,457
WELLS FARGO COMPANY NEW	COM	949746101	446	9,300	SH		SOLE	None	0	0	9,300
WEYERHAEUSER COMPANY MTN BE COM NEW REIT	COM NEW	962166104	399	9,700	SH		SOLE	None	0	0	9,700
RAYTHEON TECHNOLOGIES CORPORATION	COM	75513E101	249	2,891	SH		SOLE	None	0	0	2,891
ALERIAN MLP ETF	ALERIAN MLP	00162Q452	1,689	51,588	SH		SOLE	None	0	0	51,588
AT T INCORPORATED	COM	00206R102	662	26,896	SH		SOLE	None	0	0	26,896
ABBVIE INCORPORATED	COM	00287Y109	939	6,934	SH		SOLE	None	0	0	6,934
ALLIANCE RESOURCE PARTNERS L P UT LTD PART	UT LTD PART	01877R108	424	33,558	SH		SOLE	None	0	0	33,558
ALTRIA GROUP INCORPORATED	COM	02209S103	337	7,117	SH		SOLE	None	0	0	7,117
ANTERO RESOURCES CORPORATION	COM	03674X106	458	26,163	SH		SOLE	None	0	0	26,163
APA CORPORATION	COM	03743Q108	258	9,600	SH		SOLE	None	0	0	9,600
BOK FINL CORPORATION COM NEW	COM NEW	05561Q201	675	6,397	SH		SOLE	None	0	0	6,397
BROADCOM INCORPORATED	COM	11135F101	216	325	SH		SOLE	None	0	0	325
B2GOLD CORPORATION	COM	11777Q209	43	11,027	SH		SOLE	None	0	0	11,027
CISCO SYSTEMS INCORPORATED	COM	17275R102	896	14,145	SH		SOLE	None	0	0	14,145
CONOCOPHILLIPS	COM	20825C104	1,870	25,901	SH		SOLE	None	0	0	25,901
CONOCOPHILLIPS	COM	20825C104	738	10,223	SH		SOLE	None	10,223	0	0
COUPANG INCORPORATED CLASS A	CL A	22266T109	272	9,267	SH		SOLE	None	0	0	9,267
DXC TECHNOLOGY COMPANY	COM	23355L106	629	19,525	SH		SOLE	None	0	0	19,525
DELL TECHNOLOGIES INCORPORATED CLASS C	CL C	24703L202	210	3,731	SH		SOLE	None	0	0	3,731
DIMENSIONAL US CORE EQUITY MARKET ETF	US CORE EQT MKT	25434V104	2,926	88,670	SH		SOLE	None	0	0	88,670
DIMENSIONAL US CORE EQUITY MARKT ETF	US CORE EQT MKT	25434V104	4,540	137,260	SH		SOLE	None	137,260	0	0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	INTL CORE EQT MK	25434V203	3,864	130,675	SH		SOLE	None	0	0	130,675
DIMENSIONAL INTERN CORE EQT MKT ETF	INTL CORE EQT MK	25434V203	7,282	245,355	SH		SOLE	None	245,355	0	0
EXXON MOBIL CORPORATION	COM	30231G102	354	5,790	SH		SOLE	None	0	0	5,790
FTC SOLAR INCORPORATED	COM	30320C103	177	23,457	SH		SOLE	None	0	0	23,457
FORTIVE CORPORATION	COM	34959J108	341	4,464	SH		SOLE	None	0	0	4,464
GLOBAL X NASDAQ 100 COVERED CALL ETF	NASDAQ 100 COVER	37954Y483	302	13,593	SH		SOLE	None	0	0	13,593
HEWLETT PACKARD ENTERPRISE COMPANY	COM	42824C109	275	17,439	SH		SOLE	None	0	0	17,439
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K 1 ETF	OPTIMUM YIELD	46090F100	164	11,660	SH		SOLE	None	0	0	11,660
INVESCO S P 500 EQUAL WEIGHT ETF	S&P500 EQL UTL	46137V274	3,125	19,155	SH		SOLE	None	19,155	0	0
INVESCO QQQ TRUST	FTSE RAFI 1000	46137V613	1,072	2,689	SH		SOLE	None	2,689	0	0
ISHARES TR CORE HIGH DV ETF	CORE HIGH DV ETF	46429B663	3,948	39,089	SH		SOLE	None	0	0	39,089
ISHARES TR MSCI EAFE MIN VL	MSCI EAFE MIN VL	46429B689	666	8,672	SH		SOLE	None	0	0	8,672
ISHARES TR MSCI USA MIN VOL	MSCI USA MIN VOL	46429B697	317	3,916	SH		SOLE	None	0	0	3,916
ISHARES TR MSCI USA QLT FCT	MSCI USA QLT FCT	46432F339	2,342	16,088	SH		SOLE	None	0	0	16,088
ISHARES TR MSCI USA VALUE	MSCI USA VALUE	46432F388	2,814	25,705	SH		SOLE	None	0	0	25,705
ISHARES TR CORE MSCI EAFE	CORE MSCI EAFE	46432F842	6,644	89,010	SH		SOLE	None	0	0	89,010
ISHARES CORE MSCI EAFE ETF	CORE MSCI EAFE	46432F842	698	9,320	SH		SOLE	None	9,320	0	0
ISHARES CORE MSCI TOTL INTL STCK ETF	CORE MSCI EAFE	46432F842	464	6,518	SH		SOLE	None	6,518	0	0
ISHARES TR MSCI INTL MULTFT	MSCI INTL MULTFT	46434V274	1,540	53,433	SH		SOLE	None	0	0	53,433
JPMORGAN CHASE COMPANY	COM	46625H100	639	4,037	SH		SOLE	None	0	0	4,037
JPMORGAN ULTRA SHORT MUNICIPAL INCOME ETF	ULTRA SHT MUNCPL	46641Q654	1,096	21,470	SH		SOLE	None	0	0	21,470
LIBERTY MEDIA CORPORATION	DEB 4.000%11/1	530715AG6	12	17,000	SH		SOLE	None	0	0	17,000
LIVENT CORPORATION	COM	53814L108	542	22,238	SH		SOLE	None	0	0	22,238
MCDONALD S CORP 2.125 30 DUE 03 01 30	COM	580135101	24	25,000	PRN		SOLE	None	25,000	0	0
NUTRIEN LIMITED	COM	67077M108	419	5,567	SH		SOLE	None	0	0	5,567
PAYPAL HLDGS INCORPORATED	COM	70450Y103	516	2,738	SH		SOLE	None	0	0	2,738
PLAINS GP HLDGS L P LTD PARTNR INT A	LTD PARTNR INT A	72651A207	180	17,764	SH		SOLE	None	0	0	17,764
SPDR S P 500 ETF	TR UNIT	78462F103	2,094	4,408	SH		SOLE	None	0	0	4,408
SPDR S P 500 ETF	TR UNIT	78462F103	1,087	2,284	SH		SOLE	None	2,284	0	0
SPDR GOLD SHARES	GOLD SHS	78463V107	1,773	10,369	SH		SOLE	None	0	0	10,369
SPDR PORTFOLIO EMERGING MARKETS ETF	PORTFOLIO EMG MK	78463X509	359	8,647	SH		SOLE	None	0	0	8,647
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF	DJ INTL RL ETF	78463X863	401	11,252	SH		SOLE	None	0	0	11,252
SPDR PORTFOLIO S P 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	558	13,295	SH		SOLE	None	0	0	13,295
SPDR S P REGIONAL BANKING ETF	S&P REGL BKG	78464A698	214	3,017	SH		SOLE	None	0	0	3,017
SPDR S P BANK ETF	S&P BK ETF	78464A797	316	5,800	SH		SOLE	None	0	0	5,800
SPDR SSGA ULTRA SHORT TERM BOND ETF	ULT SHT TRM BD	78467V707	7,456	184,917	SH		SOLE	None	0	0	184,917
SPDR SSGA ULTRA SHORT TERM BOND ETF	ULT SHT TRM BD	78467V707	5,617	139,380	SH		SOLE	None	139,380	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	UT SER 1	78467X109	6,454	17,765	SH		SOLE	None	0	0	17,765
SPDR S P MIDCAP 400 ETF IV	UTSER1 S&PDCRP	78467Y107	322	620	SH		SOLE	None	620	0	0
SPDR PORTFOLIO SHORT TERM TREASURY ETF	PORTFOLIO SH TSR	78468R101	217	7,140	SH		SOLE	None	0	0	7,140
SPDR BLOOMBERG INVESTMENT GRADE FLOATING	BLOOMBERG INVT	78468R200	6,853	224,011	SH		SOLE	None	0	0	224,011
SPDR BLOOMBERG INT GRD FLT RT ETF	BLOOMBERG INVT	78468R200	5,158	168,633	SH		SOLE	None	168,633	0	0
SPDR BLOOMBERG SHORT TERM HIGH YIELD BON	BLOOMBERG SHT TE	78468R408	202	7,455	SH		SOLE	None	0	0	7,455
SPDR PORTFOLIO S P 500 HIGH DIVIDEND ETF	PRTFLO S&P500 HI	78468R788	4,703	111,836	SH		SOLE	None	0	0	111,836
SPDR S P 500 HIGH DIVIDEND ETF IV	PRTFLO S&P500 HI	78468R788	3,735	88,625	SH		SOLE	None	88,625	0	0
SPDR SSGA US SMALL CAP LOW VOLATILITY INDEX ETF	SSGA US SMAL ETF	78468R887	1,001	8,380	SH		SOLE	None	0	0	8,380
SPDR ENERGY SELECT SECTOR FUND	ENERGY	81369Y506	879	15,832	SH		SOLE	None	0	0	15,832
SPDR FINANCIAL SELECT SECTOR FUND	FINANCIAL	81369Y605	382	9,790	SH		SOLE	None	0	0	9,790
SPDR UTILITIES SELECT SECTOR FUND	SBI INT-UTILS	81369Y886	327	4,564	SH		SOLE	None	0	0	4,564
SYNAPTICS INCORPORATED	COM	87157D109	326	1,127	SH		SOLE	None	0	0	1,127
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	552	7,111	SH		SOLE	None	0	0	7,111
VANGUARD SHORT TERM COR BD ETF	SHRT TRM CORP BD	92206C409	306	3,770	SH		SOLE	None	3,770	0	0
VERIZON COMMUNICATIONS INCORPORATED	COM	92343V104	400	7,696	SH		SOLE	None	0	0	7,696
VISTRA CORPORATION	COM	92840M102	263	11,541	SH		SOLE	None	0	0	11,541
ORION ENGINEERED CARBONS S A	COM	L72967109	437	23,776	SH		SOLE	None	0	0	23,776
CNH INDL N V SHS	SHS	N20944109	252	13,000	SH		SOLE	None	0	0	13,000
LYONDELLBASELL INDUSTRIES N V SHS A	SHS - A -	N53745100	254	2,754	SH		SOLE	None	0	0	2,754