Retirement Investment Advisors 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

OMB APPROVAL

OMB Number:		3235-0006
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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
Vanguard Growth ETF	ETF	922908736	27,201,574	127,641	SH		SOLE		0	0	127,641
Vanguard Value ETF	ETF	922908744	22,707,093	161,766	SH		SOLE		0	0	161,766
iShares Core MSCI EAFE ETF	ETF	46432F842	16,198,191	262,787	SH		SOLE		0	0	262,787
iShares National Muni Bond ETF	ETF	464288414	11,321,241	107,290	SH		SOLE		0	0	107,290
Vanguard Intermediate-Term Bond ETF	ETF	921937819	9,461,010	127,301	SH		SOLE		0	0	127,301
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	8,010,685	171,535	SH		SOLE		0	0	171,535
SPDR S&P DIVIDEND ETF (MKT)	ETF	78464A763	7,665,865	61,273	SH		SOLE		0	0	61,273
Vanguard Small-Cap Value ETF	ETF	922908611	6,033,130	37,992	SH		SOLE		0	0	37,992
Invesco QQQ Trust Series 1	ETF	46090E103	5,100,327	19,154	SH		SOLE		0	0	19,154
Vanguard Total International Bond ETF	ETF	92203J407	4,973,700	104,864	SH		SOLE		0	0	104,864
ISHARES CORE S&P SMALL-CAP (MKT)	ETF	464287804	4,521,521	47,776	SH		SOLE		0	0	47,776
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ETF SHARES	ETF	921909768	4,140,910	80,064	SH		SOLE		0	0	80,064
VanEck High Yield Muni ETF	ETF	92189H409	1,794,929	35,508	SH		SOLE		0	0	35,508
VanEck J. P. Morgan EM Local Currency Bond ETF	ETF	92189H300	1,648,997	68,056	SH		SOLE		0	0	68,056
Vanguard Small-Cap Growth ETF	ETF	922908595	1,633,198	8,144	SH		SOLE		0	0	8,144
iShares JP Morgan USD Emerging Markets Bond ETF	ETF	464288281	1,613,554	19,075	SH		SOLE		0	0	19,075
Xtrackers USD High Yield Corporate Bond ETF	ETF	233051432	1,548,165	45,926	SH		SOLE		0	0	45,926
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	1,518,387	20,194	SH		SOLE		0	0	20,194
CONOCOPHILLIPS	STOCK	20825C104	1,417,770	12,015	SH		SOLE		0	0	12,015
ONEOK Inc	STOCK	682680103	1,342,580	20,435	SH		SOLE		0	0	20,435
VANGUARD EMERGING MARKETS STOCK IDX ETF (MKT)	ETF	922042858	1,294,955	33,221	SH		SOLE		0	0	33,221
Apple Inc	STOCK	037833100	1,218,743	9,380	SH		SOLE		0	0	9,380
PHILLIPS 66	STOCK	718546104	1,067,340	10,255	SH		SOLE		0	0	10,255
Vanguard Total International Stock ETF	ETF	921909768	976,163	18,874	SH		SOLE		0	0	18,874
Invesco S&P 500 Equal Weight ETF	ETF	46137V357	946,093	6,698	SH		SOLE		0	0	6,698
Simmons First National Corp	STOCK	828730200	776,880	36,000	SH		SOLE		0	0	36,000
Berkshire Hathaway Inc	STOCK	084670702	772,250	2,500	SH		SOLE		0	0	2,500
SPDR S&P 500 ETF Trust	ETF	78462F103	758,359	1,983	SH		SOLE		0	0	1,983
INVESCO DYNAMIC LG CP VALUE	ETF	46137V738	615,451	13,078	SH		SOLE		0	0	13,078
Exxon Mobil Corp	STOCK	30231G102	605,437	5,489	SH		SOLE		0	0	5,489
OGE Energy Corp	STOCK	670837103	605,075	15,299	SH		SOLE		0	0	15,299
Schwab US Large-Cap ETF	ETF	808524201	596,070	13,202	SH		SOLE		0	0	13,202
SPDR PORTFOLIO DEVLPD WORLD EX US ETF	ETF	78463X889	569,840	19,193	SH		SOLE		0	0	19,193
Vanguard FTSE Developed Markets ETF	ETF	921943858	548,926	13,079	SH		SOLE		0	0	13,079
AT&T INC	STOCK	00206R102	533,761	28,993	SH		SOLE		0	0	28,993
Vanguard Tax-Exempt Bond Index ETF	ETF	922907746	396,811	8,018	SH		SOLE		0	0	8,018
Tesla Inc	STOCK	88160R101	343,056	2,785	SH		SOLE		0	0	2,785
FORD MOTOR COMPANY	STOCK	345370860	333,839	28,705	SH		SOLE		0	0	28,705
Vanguard Total Bond Market ETF	ETF	921937835	300,507	4,183	SH		SOLE		0	0	4,183
International Business Machines Corp	STOCK	459200101	297,278	2,110	SH		SOLE		0	0	2,110
Walmart Inc	STOCK	931142103	294,498	2,077	SH		SOLE		0	0	2,077
Vanguard 500 Index Fund	ETF	922908710	259,490	733	SH		SOLE		0	0	733
ENERGY TRANSFER OPERATING LP	STOCK	29273V100	225,221	18,974	SH		SOLE		0	0	18,974
AT&T Inc	STOCK	00206R102	218,766	11,883	SH		SOLE		0	0	11,883
SUNCOKE ENERGY INC	STOCK	86722A103	97,044	11,245	SH		SOLE		0	0	11,245
Medical Marijuana Inc	STOCK	58463A105	122	20,000	SH		SOLE		0	0	20,000
CannaSys Inc	STOCK	137651204	9	20,000	SH		SOLE		0	0	20,000
Hemp Inc	STOCK	423703206	4	10,000	SH		SOLE		0	0	10,000
OWC Pharmaceutical Research Corp	STOCK	67109N108	3	25,000	SH		SOLE		0	0	25,000
Nautilus Minerals Inc	STOCK	639097104	0	17,789	SH		SOLE		0	0	17,789