Williams Financial 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
CVS HEALTH CORP	COM	126650100	501,734	6,752	SH		SOLE		6,752	0	0
EXXON MOBIL CORP	COM	30231G102	667,779	6,090	SH		SOLE		6,090	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	1,618,469	51,413	SH		SOLE		51,413	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	2,928,669	60,026	SH		SOLE		60,026	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	2,059,500	28,313	SH		SOLE		28,313	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	6,266,201	69,278	SH		SOLE		69,278	0	0
ISHARES TR	CORE TOTAL USD	46434V613	25,494,230	552,421	SH		SOLE		552,421	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	2,221,365	25,746	SH		SOLE		25,746	0	0
ISHARES TR	CORE S&P500 ETF	464287200	19,451,390	47,318	SH		SOLE		47,318	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	1,845,125	16,109	SH		SOLE		16,109	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	6,438,664	68,730	SH		SOLE		68,730	0	0
ISHARES TR	FALN ANGLS USD	46435G474	772,675	30,577	SH		SOLE		30,577	0	0
ISHARES TR	EAFE VALUE ETF	464288877	4,807,897	99,071	SH		SOLE		99,071	0	0
ISHARES TR	MBS ETF	464288588	8,924,179	94,206	SH		SOLE		94,206	0	0
ISHARES TR	20 YR TR BD ETF	464287432	2,695,416	25,340	SH		SOLE		25,340	0	0
ISHARES TR	US HLTHCARE ETF	464287762	522,091	1,912	SH		SOLE		1,912	0	0
ISHARES TR	US TREAS BD ETF	46429B267	7,887,768	337,372	SH		SOLE		337,372	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	520,844	3,746	SH		SOLE		3,746	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	4,938,284	39,804	SH		SOLE		39,804	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	19,254,539	178,713	SH		SOLE		178,713	0	0
ISHARES TR	U.S. TECH ETF	464287721	2,730,934	29,425	SH		SOLE		29,425	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	3,933,948	37,581	SH		SOLE		37,581	0	0
LOCKHEED MARTIN CORP	COM	539830109	963,896	2,039	SH		SOLE		2,039	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	324,923	4,789	SH		SOLE		4,789	0	0
SYSCO CORP	COM	871829107	347,260	4,496	SH		SOLE		4,496	0	0