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

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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 Inc	STOCK	00287Y109	244,474	1,534	SH		SOLE		0	0	1,534
Apple Inc	STOCK	037833100	2,860,685	17,348	SH		SOLE		0	0	17,348
AT&T Inc	STOCK	00206R102	944,020	49,040	SH		SOLE		0	0	23,554
CannaSys Inc	STOCK	137651204	18	40,000	SH		SOLE		0	0	40,000
Chimera Investment Corp	STOCK	16934Q208	57,641	10,220	SH		SOLE		0	0	10,220
Energy Transfer LP	STOCK	29273V100	207,226	16,618	SH		SOLE		0	0	16,618
Exxon Mobil Corp	STOCK	30231G102	7,062,104	64,400	SH		SOLE		0	0	64,300
Ford Motor Co	STOCK	345370860	562,527	44,645	SH		SOLE		0	0	32,760
Hemp Inc	STOCK	423703206	6	20,000	SH		SOLE		0	0	20,000
International Business Machines Corp	STOCK	459200101	526,982	4,020	SH		SOLE		0	0	4,020
Invesco Dynamic Large Cap Value ETF	ETF	46137V738	793,441	17,523	SH		SOLE		0	0	8,890
Invesco QQQ Trust Series 1	ETF	46090E103	7,123,683	22,197	SH		SOLE		0	0	9,418
Invesco S&P 500 Equal Weight ETF	ETF	46137V357	1,904,356	13,168	SH		SOLE		0	0	13,168
iShares Core MSCI EAFE ETF	ETF	46432F842	72,296,002	1,081,466	SH		SOLE		0	0	1,081,466
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	35,509,069	727,794	SH		SOLE		0	0	727,794
iShares Core S&P Small-Cap ETF	ETF	464287804	2,234,737	23,110	SH		SOLE		0	0	23,110
iShares JP Morgan USD Emerging Markets Bond ETF	ETF	464288281	6,362,805	73,746	SH		SOLE		0	0	73,746
iShares National Muni Bond ETF	ETF	464288414	27,609,237	256,258	SH		SOLE		0	0	256,258
iShares S&P 500 Value ETF	ETF	464287408	403,449	4,304	SH		SOLE		0	0	4,304
Johnson & Johnson	STOCK	478160104	270,010	1,742	SH		SOLE		0	0	1,742
Magellan Midstream Partners LP	STOCK	559080106	267,827	4,936	SH		SOLE		0	0	4,936
Merck & Co Inc	STOCK	58933Y105	302,786	2,846	SH		SOLE		0	0	2,846
Microsoft Corp	STOCK	594918104	315,977	1,096	SH		SOLE		0	0	1,096
NextEra Energy Inc	STOCK	65339F101	257,447	3,340	SH		SOLE		0	0	3,340
Northrop Grumman Corp	STOCK	666807102	273,338	592	SH		SOLE		0	0	592
NVIDIA Corp	STOCK	67066G104	549,985	1,980	SH		SOLE		0	0	1,980
OGE Energy Corp	STOCK	670837103	931,633	24,738	SH		SOLE		0	0	23,022
ONEOK Inc	STOCK	682680103	2,213,098	34,830	SH		SOLE		0	0	28,790
Phillips 66	STOCK	718546104	1,141,640	11,261	SH		SOLE		0	0	2,068
Raytheon Technologies Corp	STOCK	75513E101	241,691	2,468	SH		SOLE		0	0	2,468
Schwab U.S. Large-Cap Value ETF	ETF	808524409	459,452	7,032	SH		SOLE		0	0	7,032
Schwab US Small-Cap ETF	ETF	808524607	1,575,002	33,448	SH		SOLE		0	0	33,448
Shell PLC	STOCK	780259305	224,176	3,896	SH		SOLE		0	0	3,896
Simmons First National Corp	STOCK	828730200	1,049,400	6,000	SH		SOLE		0	0	6,000
SPDR Nuveen S&P High Yield Municipal Bond ETF	ETF	78464A284	280,648	11,208	SH		SOLE		0	0	11,208
SPDR Portfolio Developed World ex-US ETF	ETF	78463X889	741,619	23,089	SH		SOLE		0	0	7,792
SPDR S&P 500 ETF Trust	ETF	78462F103	1,623,641	3,966	SH		SOLE		0	0	3,966
SPDR S&P Dividend ETF	ETF	78464A763	8,357,477	67,557	SH		SOLE		0	0	29,452
Target Corp	STOCK	87612E106	217,969	1,316	SH		SOLE		0	0	1,316
Tesla Inc	STOCK	88160R101	1,186,256	5,718	SH		SOLE		0	0	5,718
Thomson Reuters Corp	STOCK	884903709	424,712	3,264	SH		SOLE		0	0	3,264
TotalEnergies SE	STOCK	89151E109	235,728	3,992	SH		SOLE		0	0	3,992
VanEck High Yield Muni ETF	ETF	92189H409	4,401,625	85,072	SH		SOLE		0	0	85,072
VanEck J. P. Morgan EM Local Currency Bond ETF	ETF	92189H300	6,442,235	255,138	SH		SOLE		0	0	255,138
Vanguard Emerging Markets Government Bond ETF	ETF	921946885	210,608	3,380	SH		SOLE		0	0	3,380
Vanguard FTSE Developed Markets ETF	ETF	921943858	1,138,826	25,212	SH		SOLE		0	0	25,212
Vanguard FTSE Emerging Markets ETF	ETF	922042858	1,582,064	39,160	SH		SOLE		0	0	19,268
Vanguard Growth ETF	ETF	922908736	116,348,544	466,439	SH		SOLE		0	0	451,002
Vanguard Intermediate-Term Bond ETF	ETF	921937819	56,876,618	741,160	SH		SOLE		0	0	741,160
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	8,392,542	110,095	SH		SOLE		0	0	50,270
Vanguard Small-Cap Growth ETF	ETF	922908595	7,445,370	34,404	SH		SOLE		0	0	34,404
Vanguard Small-Cap Value ETF	ETF	922908611	25,939,796	163,390	SH		SOLE		0	0	163,390
Vanguard Tax-Exempt Bond Index ETF	ETF	922907746	812,384	16,036	SH		SOLE		0	0	16,036
Vanguard Total Bond Market ETF	ETF	921937835	627,407	8,498	SH		SOLE		0	0	8,498
Vanguard Total International Bond ETF	ETF	92203J407	20,790,413	424,988	SH		SOLE		0	0	424,988
Vanguard Total International Stock ETF	ETF	921909768	6,265,783	113,490	SH		SOLE		0	0	47,310
Vanguard Value ETF	ETF	922908744	97,453,454	705,622	SH		SOLE		0	0	705,622
Walmart Inc	STOCK	931142103	565,913	3,838	SH		SOLE		0	0	3,838
Williams Cos Inc/The	STOCK	969457100	296,450	9,928	SH		SOLE		0	0	9,928
Xtrackers USD High Yield Corporate Bond ETF	ETF	233051432	8,730,729	251,244	SH		SOLE		0	0	251,244
CONOCOPHILLIPS	STOCK	20825C104	1,140,419	11,495	SH		SOLE		0	0	11,495
DEVON ENERGY CORP NEW	STOCK	25179M103	13,817	273	SH		SOLE		0	0	273
ISHARES 0-3 MONTH TREASURY BOND	ETF	46436E718	366,212	3,641	SH		SOLE		0	0	3,641
ISHARES CORE S&P SMALL-CAP (MKT)	ETF	464287804	2,912,314	30,117	SH		SOLE		0	0	30,117
PFIZER INC	STOCK	717081103	14,280	350	SH		SOLE		0	0	350
SPDR GOLD SHARES (MKT)	ETF	78463V107	105,535	576	SH		SOLE		0	0	576
VERIZON COMMUNICATIONS INC	STOCK	92343V104	63,974	1,645	SH		SOLE		0	0	1,645