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	447	4,114	SH		SOLE	NONE	0	0	4,114
ABRDN BLOOMBERG ALL COMMODITY STRATEGY	BBRG ALL COMD K1	003261104	948	34,896	SH		SOLE	NONE	0	0	34,896
AVANTIS EMERGING MARKETS EQUITY ETF	AVANTIS EMGMKT	025072604	242	4,651	SH		SOLE	NONE	0	0	4,651
AVANTIS U.S. SMALL CAP VALUE ETF	US SML CP VALU	025072877	4,151	60,718	SH		SOLE	NONE	0	0	60,718
AVANTIS US SMALL CAP VALUE ETF	US SML CP VALU	025072877	2,373	34,541	SH		SOLE	NONE	34,541	0	0
AMGEN INCORPORATED	COM	031162100	670	2,755	SH		SOLE	NONE	0	0	2,755
AMPLIFY CWP ENHANCED DIVIDEND INCOME ETF	CWP ENHANCED DIV	032108409	382	11,379	SH		SOLE	NONE	0	0	11,379
APPLE INCORPORATED	COM	037833100	5,313	38,861	SH		SOLE	NONE	0	0	38,861
ASTRAZENECA PLC SPONSORED ADR	SPONSORED ADR	046353108	569	8,620	SH		SOLE	NONE	0	0	8,620
BP PLC SPONSORED ADR	SPONSORED ADR	055622104	568	20,010	SH		SOLE	NONE	0	0	20,010
BK OF AMERICA CORPORATION	COM	060505104	935	30,035	SH		SOLE	NONE	0	0	30,035
BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW	CL B NEW	084670702	364	1,334	SH		SOLE	NONE	0	0	1,334
BOEING COMPANY	COM	097023105	226	1,657	SH		SOLE	NONE	0	0	1,657
BRISTOL-MYERS SQUIBB COMPANY	COM	110122108	1,248	16,211	SH		SOLE	NONE	0	0	16,211
CAMBRIA SHAREHOLDER YIELD ETF	SHSHLD YIELD ETF	132061201	347	6,378	SH		SOLE	NONE	0	0	6,378
CHEVRON CORPORATION NEW	COM	166764100	683	4,719	SH		SOLE	NONE	0	0	4,719
CITIGROUP INCORPORATED COM NEW	COM NEW	172967424	310	6,750	SH		SOLE	NONE	0	0	6,750
CLOROX COMPANY DEL	COM	189054109	268	1,900	SH		SOLE	NONE	0	0	1,900
COCA COLA COMPANY	COM	191216100	570	9,062	SH		SOLE	NONE	0	0	9,062
DANAHER CORPORATION	COM	235851102	745	2,937	SH		SOLE	NONE	0	0	2,937
DELTA AIR LINES INCORPORATED DEL COM NEW	COM NEW	247361702	492	16,994	SH		SOLE	NONE	0	0	16,994
ENTERPRISE PRODUCTS PARTNERS L P	COM	293792107	1,952	80,078	SH		SOLE	NONE	0	0	80,078
FISERV INCORPORATED	COM	337738108	245	2,759	SH		SOLE	NONE	0	0	2,759
HOME DEPOT INCORPORATED	COM	437076102	572	2,085	SH		SOLE	NONE	0	0	2,085
INVESCO FTSE RAFI US 1000 ETF	COM	458140100	228	1,530	SH		SOLE	NONE	1,530	0	0
INTERNATIONAL BUSINESS MACHINES	COM	459200101	761	5,389	SH		SOLE	NONE	0	0	5,389
INTERNATIONAL PAPER COMPANY	COM	460146103	551	13,189	SH		SOLE	NONE	0	0	13,189
ISHARES GOLD TR ISHARES NEW	ISHARES NEW	464285204	3,511	102,321	SH		SOLE	NONE	0	0	102,321
ISHARES INCORPORATED EM MKTS DIV ETF	EM MKTS DIV ETF	464286319	209	7,856	SH		SOLE	NONE	0	0	7,856
ISHARES TR CORE SP500 ETF	CORE S&P500 ETF	464287200	4,300	23,293	SH		SOLE	NONE	0	0	23,293
ISHARES TR CORE SP MCP ETF	CORE S&P MCP ETF	464287507	2,053	9,073	SH		SOLE	NONE	0	0	9,073
ISHARES CORE SP MID CAPETF	CORE S&P MCP ETF	464287507	1,763	7,750	SH		SOLE	NONE	7,750	0	0
ISHARES TR CORE SP SCP ETF	CORE S&P SCP ETF	464287804	1,091	11,809	SH		SOLE	NONE	0	0	11,809
ISHARES TR INTL SEL DIV ETF	INTL SEL DIV ETF	464288448	4,504	165,860	SH		SOLE	NONE	0	0	165,860
ISHARES INTERNATIONAL SEL DIV ETF	INTL SEL DIV ETF	464288448	304	11,215	SH		SOLE	NONE	11,215	0	0
ISHARES TR CRE U S REIT ETF	CRE U S REIT ETF	464288521	2,407	45,078	SH		SOLE	NONE	0	0	45,078
ISHARES CORE US REIT ETF	CRE U S REIT ETF	464288521	1,209	22,450	SH		SOLE	NONE	22,450	0	0
JACK IN THE BOX INCORPORATED	COM	466367109	205	3,664	SH		SOLE	NONE	0	0	3,664
KEYCORP	COM	493267108	575	33,363	SH		SOLE	NONE	0	0	33,363
KRAFT HEINZ COMPANY	COM	500754106	459	12,038	SH		SOLE	NONE	0	0	12,038
CLEARBRIDGE ALL CAP GROWTH ETF	CLRBRDG AL CP GW	524682101	630	17,509	SH		SOLE	NONE	0	0	17,509
LILLY ELI COMPANY	COM	532457108	233	719	SH		SOLE	NONE	0	0	719
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP	COM UNIT RP LP	559080106	1,016	21,300	SH		SOLE	NONE	0	0	21,300
MICROSOFT CORPORATION	COM	594918104	757	2,947	SH		SOLE	NONE	0	0	2,947
NORTHERN OIL AND GAS INCORPORATED MN	COM	665531307	211	8,362	SH		SOLE	NONE	0	0	8,362
OGE ENERGY CORPORATION	COM	670837103	507	13,139	SH		SOLE	NONE	0	0	13,139
OCCIDENTAL PETE CORPORATION	COM	674599105	222	3,772	SH		SOLE	NONE	0	0	3,772
OLAPLEX HLDGS INCORPORATED	COM	679369108	206	14,634	SH		SOLE	NONE	0	0	14,634
OLD REP INTERNATIONAL CORPORATION	COM	680223104	618	27,641	SH		SOLE	NONE	0	0	27,641
ONEOK INCORPORATED NEW	COM	682680103	2,862	51,560	SH		SOLE	NONE	0	0	51,560
PEPSICO INCORPORATED	COM	713448108	519	3,112	SH		SOLE	NONE	0	0	3,112
PHILLIPS 66	COM	713448108	456	5,513	SH		SOLE	NONE	5,513	0	0
PFIZER INCORPORATED	COM	717081103	275	5,246	SH		SOLE	NONE	0	0	5,246
PHILLIPS 66	COM	718546104	1,107	13,520	SH		SOLE	NONE	0	0	13,520
PRUDENTIAL FINL INCORPORATED	COM	744320102	750	7,843	SH		SOLE	NONE	0	0	7,843
RPM INTERNATIONAL INCORPORATED	COM	749685103	254	3,226	SH		SOLE	NONE	0	0	3,226
SCHWAB FUNDAMENTAL US LARGE COMPANY IDX	COM	756109104	1,326	65,309	SH		SOLE	NONE	65,309	0	0
SHELL PLC SPON ADS	SPON ADS	780259305	1,288	24,641	SH		SOLE	NONE	0	0	24,641
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	INTERNL DIVID	808524672	1,031	45,830	SH		SOLE	NONE	0	0	45,830
SCHWAB INTERNATIONAL DIVIDND EQY ETF	INTERNL DIVID	808524672	379	16,815	SH		SOLE	NONE	16,815	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	SCHWB FDT EMK LG	808524730	433	16,711	SH		SOLE	NONE	0	0	16,711
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	SCHWAB FDT US LG	808524771	2,591	50,902	SH		SOLE	NONE	0	0	50,902
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	3,207	44,778	SH		SOLE	NONE	0	0	44,778
SCHWAB US DIVIDEND EQUITY ETF	US DIVIDEND EQ	808524797	795	11,055	SH		SOLE	NONE	11,055	0	0
TECK RESOURCES LIMITED CLASS B	CL B	878742204	602	19,683	SH		SOLE	NONE	0	0	19,683
VANGUARD FTSE ALL-WORLD EX-US ETF	ALLWRLD EX US	922042775	2,473	49,504	SH		SOLE	NONE	0	0	49,504
VANGUARD INDEX FUNDS SP 500 ETF SHS NEW	S&P 500 ETF SHS	922908363	400	1,153	SH		SOLE	NONE	0	0	1,153
VANGUARD REAL ESTATE ETF	REAL ESTATE ETF	922908553	651	7,090	SH		SOLE	NONE	7,090	0	0
WALMART INCORPORATED	COM	931142103	557	4,581	SH		SOLE	NONE	0	0	4,581
WALGREENS BOOTS ALLIANCE INCORPORATED	COM	931427108	453	11,946	SH		SOLE	NONE	0	0	11,946
WELLS FARGO COMPANY NEW	COM	949746101	364	9,300	SH		SOLE	NONE	0	0	9,300
WEYERHAEUSER COMPANY MTN BE COM NEW REIT	COM NEW	962166104	321	9,700	SH		SOLE	NONE	0	0	9,700
WELLS FARGO CO STEP 26 DUE 022126MULTI STEP CPN	COM NEW	962166104	44	50,000	PRN		SOLE	NONE	50,000	0	0
RAYTHEON TECHNOLOGIES CORPORATION	COM	75513E101	275	2,869	SH		SOLE	NONE	0	0	2,869
ALERIAN MLP ETF	ALERIAN MLP	00162Q452	2,433	70,633	SH		SOLE	NONE	0	0	70,633
ATT INCORPORATED	COM	00206R102	438	20,874	SH		SOLE	NONE	0	0	20,874
ABBVIE INCORPORATED	COM	00287Y109	989	6,460	SH		SOLE	NONE	0	0	6,460
ALLIANCE RESOURCE PARTNERS L P UT LTD PART	UT LTD PART	01877R108	612	33,558	SH		SOLE	NONE	0	0	33,558
ALTRIA GROUP INCORPORATED	COM	02209S103	298	7,117	SH		SOLE	NONE	0	0	7,117
ANTERO RESOURCES CORPORATION	COM	03674X106	819	26,725	SH		SOLE	NONE	0	0	26,725
APA CORPORATION	COM	03743Q108	359	10,300	SH		SOLE	NONE	0	0	10,300
BOK FINL CORPORATION COM NEW	COM NEW	05561Q201	483	6,397	SH		SOLE	NONE	0	0	6,397
B2GOLD CORPORATION	COM	11777Q209	37	11,035	SH		SOLE	NONE	0	0	11,035
CISCO SYSTEMS INCORPORATED	COM	17275R102	603	14,145	SH		SOLE	NONE	0	0	14,145
CONOCOPHILLIPS	COM	20825C104	1,378	15,353	SH		SOLE	NONE	0	0	15,353
CONOCOPHILLIPS	COM	20825C104	681	7,563	SH		SOLE	NONE	7,563	0	0
DXC TECHNOLOGY COMPANY	COM	23355L106	585	19,293	SH		SOLE	NONE	0	0	19,293
DAVIS SELECT WORLDWIDE ETF	SELECT WRLD WI	23908L306	903	37,375	SH		SOLE	NONE	0	0	37,375
DIMENSIONAL US CORE EQUITY MARKET ETF	US CORE EQT MKT	25434V104	2,348	88,820	SH		SOLE	NONE	0	0	88,820
DIMENSIONAL US CORE EQUITY MARKT ETF	US CORE EQT MKT	25434V104	4,497	169,522	SH		SOLE	NONE	169,522	0	0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	INTL CORE EQT MK	25434V203	3,289	136,250	SH		SOLE	NONE	0	0	136,250
DIMENSIONAL INTERN CORE EQT MKT ETF	INTL CORE EQT MK	25434V203	5,837	241,945	SH		SOLE	NONE	241,945	0	0
DIMENSIONAL ETF TRUST INTL VALE ETF	INTERNATNAL VAL	25434V807	1,711	59,224	SH		SOLE	NONE	0	0	59,224
DIMENSIONAL INTERNATIONAL VAL ETF	INTERNATNAL VAL	25434V807	663	22,959	SH		SOLE	NONE	22,959	0	0
EXXON MOBIL CORPORATION	COM	30231G102	439	5,130	SH		SOLE	NONE	0	0	5,130
HERTZ GLOBAL HLDGS INCORPORATED COM NEW	COM NEW	42806J700	475	29,973	SH		SOLE	NONE	0	0	29,973
HEWLETT PACKARD ENTERPRISE COMPANY	COM	42824C109	462	34,875	SH		SOLE	NONE	0	0	34,875
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	OPTIMUM YIELD	46090F100	205	11,366	SH		SOLE	NONE	0	0	11,366
INVESCO SP 500 EQUAL WEIGHT ETF	S&P500 EQL WGT	46137V357	694	5,172	SH		SOLE	NONE	0	0	5,172
INVESCO SP 500 EQUAL WEIGHT ETF	S&P500 EQL WGT	46137V357	1,619	12,000	SH		SOLE	NONE	12,000	0	0
INVSC QQQ TRUST SRS 1 ETF	FTSE RAFI 1000	46137V613	594	2,104	SH		SOLE	NONE	2,104	0	0
ISHARES TR CORE HIGH DV ETF	CORE HIGH DV ETF	46429B663	4,540	45,206	SH		SOLE	NONE	0	0	45,206
ISHARES TR MSCI EAFE MIN VL	MSCI EAFE MIN VL	46429B689	333	5,268	SH		SOLE	NONE	0	0	5,268
ISHARES TR MSCI USA QLT FCT	MSCI USA QLT FCT	46432F339	788	7,053	SH		SOLE	NONE	0	0	7,053
ISHARES TR MSCI USA VALUE	MSCI USA VALUE	46432F388	2,738	30,249	SH		SOLE	NONE	0	0	30,249
ISHARES TR CORE MSCI EAFE	CORE MSCI EAFE	46432F842	4,210	71,543	SH		SOLE	NONE	0	0	71,543
ISHARES CORE MSCI EAFE ETF	CORE MSCI EAFE	46432F842	338	5,745	SH		SOLE	NONE	5,745	0	0
ISHARES TR INTL EQTY FACTOR	INTL EQTY FACTOR	46434V274	1,240	52,700	SH		SOLE	NONE	0	0	52,700
ISHARES TR 0-3 MNTH TREASRY	0-3 MNTH TREASRY	46436E718	783	7,820	SH		SOLE	NONE	0	0	7,820
ISHARES 0 TO 3 MNTH TREASURY BND ETF	0-3 MNTH TREASRY	46436E718	12,800	128,154	SH		SOLE	NONE	128,154	0	0
JPMORGAN CHASE COMPANY	COM	46625H100	369	3,276	SH		SOLE	NONE	0	0	3,276
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	ULTRA SHT MUNCPL	46641Q654	1,024	20,225	SH		SOLE	NONE	0	0	20,225
LIBERTY MEDIA CORPORATION	DEB 4.000%11/1	530715AG6	7	17,000	SH		SOLE	NONE	0	0	17,000
NUTRIEN LIMITED	COM	67077M108	260	3,264	SH		SOLE	NONE	0	0	3,264
PLAINS GP HLDGS L P LTD PARTNR INT A	LTD PARTNR INT A	72651A207	298	28,893	SH		SOLE	NONE	0	0	28,893
SPDR SP 500 ETF	TR UNIT	78462F103	1,636	4,334	SH		SOLE	NONE	0	0	4,334
SPDR SP 500 ETF	TR UNIT	78462F103	848	2,236	SH		SOLE	NONE	2,236	0	0
SPDR GOLD SHARES	GOLD SHS	78463V107	2,670	15,851	SH		SOLE	NONE	0	0	15,851
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF	DJ INTL RL ETF	78463X863	314	11,114	SH		SOLE	NONE	0	0	11,114
SPDR PORTFOLIO SP 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	641	17,417	SH		SOLE	NONE	0	0	17,417
SPDR SP BANK ETF	S&P BK ETF	78464A797	255	5,800	SH		SOLE	NONE	0	0	5,800
SPDR SSGA ULTRA SHORT TERM BOND ETF	ULT SHT TRM BD	78467V707	1,143	28,699	SH		SOLE	NONE	0	0	28,699
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	UT SER 1	78467X109	5,414	17,586	SH		SOLE	NONE	0	0	17,586
SPDR BLOOMBERG INVESTMENT GRADE FLOATING	BLOOMBERG INVT	78468R200	3,623	120,294	SH		SOLE	NONE	0	0	120,294
SPDR SP OIL GAS EXPLORATION PRODUCTION ETF	S&P OILGAS EXP	78468R556	1,738	14,550	SH		SOLE	NONE	0	0	14,550
SPDR PORTFOLIO SP 500 HIGH DIVIDEND ETF	PRTFLO S&P500 HI	78468R788	6,189	155,080	SH		SOLE	NONE	0	0	155,080
SPDR SP 500 HIGH DIVIDEND ETF	PRTFLO S&P500 HI	78468R788	4,312	107,566	SH		SOLE	NONE	107,566	0	0
SPDR SSGA US SMALL CAP LOW VOLATILITY INDEX ETF	SSGA US SMAL ETF	78468R887	882	8,455	SH		SOLE	NONE	0	0	8,455
SPDR ENERGY SELECT SECTOR FUND	ENERGY	81369Y506	1,272	17,785	SH		SOLE	NONE	0	0	17,785
SPDR FINANCIAL SELECT SECTOR FUND	FINANCIAL	81369Y605	290	9,250	SH		SOLE	NONE	0	0	9,250
SPDR UTILITIES SELECT SECTOR FUND	SBI INT-UTILS	81369Y886	418	5,954	SH		SOLE	NONE	0	0	5,954
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	623	6,265	SH		SOLE	NONE	0	0	6,265
VERIZON COMMUNICATIONS INCORPORATED	COM	92343V104	776	15,299	SH		SOLE	NONE	0	0	15,299
VISTRA CORPORATION	COM	92840M102	254	11,134	SH		SOLE	NONE	0	0	11,134
ORION ENGINEERED CARBONS S A	COM	L72967109	382	24,642	SH		SOLE	NONE	0	0	24,642
CNH INDL N V SHS	SHS	N20944109	150	13,000	SH		SOLE	NONE	0	0	13,000
LYONDELLBASELL INDUSTRIES N V SHS - A -	SHS - A -	N53745100	306	3,496	SH		SOLE	NONE	0	0	3,496