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
Apple Inc	STOCK	378331000	3,128,007	18,270	SH		SOLE		0	0	18,270
BancFirst Corp	STOCK	05945F103	329,921	3,804	SH		SOLE		0	0	3,804
Berkshire Hathaway Inc	STOCK	846707020	2,105,303	6,010	SH		SOLE		0	0	6,010
Blackstone Inc	STOCK	09260D107	207,637	1,938	SH		SOLE		0	0	1,938
ConocoPhillips	STOCK	20825C104	1,541,107	12,864	SH		SOLE		0	0	12,864
Energy Transfer LP	STOCK	29273V100	341,574	24,346	SH		SOLE		0	0	24,346
Exxon Mobil Corp	STOCK	30231G102	10,804,191	91,888	SH		SOLE		0	0	91,888
FORD MOTOR COMPANY	STOCK	345370860	563,495	45,370	SH		SOLE		0	0	45,370
International Business Machines Corp	STOCK	459200101	592,066	4,220	SH		SOLE		0	0	4,220
Invesco Large Cap Value ETF	ETF	46137V738	930,571	19,884	SH		SOLE		0	0	19,884
Invesco QQQ Trust Series 1	ETF	46090E103	6,472,506	18,066	SH		SOLE		0	0	18,066
Invesco SP 500 Equal Weight ETF	ETF	46137V357	1,887,594	13,322	SH		SOLE		0	0	13,322
iShares Core MSCI EAFE ETF	ETF	46432F842	152,926,552	2,376,481	SH		SOLE		0	0	2,376,481
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	75,234,412	1,580,887	SH		SOLE		0	0	1,580,887
iShares Core SP Small-Cap ETF	ETF	464287804	3,467,193	36,756	SH		SOLE		0	0	36,756
iShares JP Morgan USD Emerging Markets Bond ETF	ETF	464288281	15,542,312	188,346	SH		SOLE		0	0	188,346
iShares MSCI EAFE ETF	ETF	464287465	344,324	4,996	SH		SOLE		0	0	4,996
iShares National Muni Bond ETF	ETF	464288414	38,854,047	378,916	SH		SOLE		0	0	378,916
iShares SP 500 Value ETF	ETF	464287408	224,914	1,462	SH		SOLE		0	0	1,462
Johnson Johnson	STOCK	478160104	427,067	2,742	SH		SOLE		0	0	2,742
Merck Co Inc	STOCK	58933Y105	346,942	3,370	SH		SOLE		0	0	3,370
Microsoft Corp	STOCK	594918104	314,487	996	SH		SOLE		0	0	996
Northrop Grumman Corp	STOCK	666807102	260,592	592	SH		SOLE		0	0	592
NVIDIA Corp	STOCK	67066G104	909,999	2,092	SH		SOLE		0	0	2,092
OGE ENERGY CORP	STOCK	670837103	899,510	26,988	SH		SOLE		0	0	26,988
ONEOK INC	STOCK	682680103	2,723,243	42,933	SH		SOLE		0	0	42,933
Phillips 66	STOCK	718546104	1,622,265	13,502	SH		SOLE		0	0	13,502
Schwab U Large Cap Growth ETF	ETF	808524300	284,481	3,912	SH		SOLE		0	0	3,912
Schwab US Large Cap ETF	ETF	808524201	274,252	5,420	SH		SOLE		0	0	5,420
Shell PLC	STOCK	780259305	389,370	6,048	SH		SOLE		0	0	6,048
Simmons First National Corp	STOCK	828730200	678,400	40,000	SH		SOLE		0	0	40,000
SPDR Nuveen SP High Yield Municipal Bond ETF	ETF	78464A284	266,975	11,208	SH		SOLE		0	0	11,208
SPDR PORTFOLIO DEVLPD WORLD EX	ETF	78463X889	549,435	17,718	SH		SOLE		0	0	17,718
SPDR SP 500 ETF Trust	ETF	78462F103	1,695,386	3,966	SH		SOLE		0	0	3,966
SPDR SP DIVIDEND ETF MKT	ETF	78464A763	4,926,798	42,838	SH		SOLE		0	0	42,838
SUNCOKE ENERGY INC	STOCK	86722A103	114,137	11,245	SH		SOLE		0	0	11,245
Tesla Inc	STOCK	88160R101	1,430,758	5,718	SH		SOLE		0	0	5,718
Thomson Reuters Corp	STOCK	884903808	384,819	3,146	SH		SOLE		0	0	3,146
TotalEnergies SE	STOCK	89151E109	279,743	4,254	SH		SOLE		0	0	4,254
United Therapeutics Corp	STOCK	91307C102	271,044	1,200	SH		SOLE		0	0	1,200
VanEck High Yield Muni ETF	ETF	92189H409	5,938,795	121,027	SH		SOLE		0	0	121,027
VanEck J P Morgan EM Local Currency Bond ETF	ETF	92189H300	10,609,618	444,475	SH		SOLE		0	0	444,475
Vanguard FTSE Developed Markets ETF	ETF	921943858	553,233	12,654	SH		SOLE		0	0	12,654
Vanguard FTSE Emerging Markets ETF	ETF	922042858	867,247	22,118	SH		SOLE		0	0	22,118
VANGUARD GROWTH ETF MKT	ETF	922908736	221,390,753	813,010	SH		SOLE		0	0	813,010
Vanguard Information Technology ETF	ETF	92204A702	215,748	520	SH		SOLE		0	0	520
Vanguard Intermediate-Term Bond ETF	ETF	921937819	131,559,079	1,819,376	SH		SOLE		0	0	1,819,376
Vanguard Short Term Corporate Bond ETF	ETF	92206C409	4,013,461	53,406	SH		SOLE		0	0	53,406
Vanguard Small Cap Growth ETF	ETF	922908595	15,794,062	73,742	SH		SOLE		0	0	73,742
Vanguard Small Cap Value ETF	ETF	922908611	70,430,146	441,596	SH		SOLE		0	0	441,596
Vanguard Tax Exempt Bond Index ETF	ETF	922907746	771,332	16,036	SH		SOLE		0	0	16,036
VANGUARD TOTAL INTERNATIONAL	ETF	921909768	370,465	6,922	SH		SOLE		0	0	6,922
Vanguard Total International Bond ETF	ETF	92203J407	47,543,116	994,002	SH		SOLE		0	0	994,002
Vanguard Total International Stock ETF	ETF	921909768	3,374,650	63,054	SH		SOLE		0	0	63,054
Vanguard Total Stock Market ETF	ETF	922908769	806,308	3,796	SH		SOLE		0	0	3,796
Vanguard Value ETF	ETF	922908744	227,820,084	1,651,708	SH		SOLE		0	0	1,651,708
Walmart Inc	STOCK	931142103	538,324	3,366	SH		SOLE		0	0	3,366
Williams Cos Inc The	STOCK	969457100	334,474	9,928	SH		SOLE		0	0	9,928
Xtrackers USD High Yield Corporate Bond ETF	ETF	233051432	20,808,701	613,826	SH		SOLE		0	0	613,826