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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P SCP ETF 464287804   17,400,907 160,747 SH   SOLE   0 0 160,747
ISHARES TR RUS 1000 VAL ETF 464287598   796,175 4,818 SH   SOLE   0 0 4,818
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,654,659 7,689 SH   SOLE   0 0 7,689
AMAZON COM INC COM 023135106   237,026 1,560 SH   SOLE   0 0 1,560
LOWES COS INC COM 548661107   303,647 1,364 SH   SOLE   0 0 1,364
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,037,119 6,086 SH   SOLE   0 0 6,086
VANGUARD INDEX FDS TOTAL STK MKT 922908769   898,975 3,790 SH   SOLE   0 0 3,790
APPLE INC COM 037833100   742,284 3,855 SH   SOLE   0 0 3,855
ISHARES TR CORE US AGGBD ET 464287226   2,218,039 22,348 SH   SOLE   0 0 22,348
SMARTFINANCIAL INC COM NEW 83190L208   283,257 11,566 SH   SOLE   0 0 11,566
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   469,347 8,360 SH   SOLE   0 0 8,360
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   36,474,156 448,747 SH   SOLE   0 0 448,747
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   122,857,459 2,206,888 SH   SOLE   0 0 2,206,888
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   42,462,525 1,148,878 SH   SOLE   0 0 1,148,878
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   23,809,031 401,366 SH   SOLE   0 0 401,366
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   22,439,631 484,030 SH   SOLE   0 0 484,030
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   32,083,813 421,435 SH   SOLE   0 0 421,435