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   15,223,608 152,771 SH   SOLE   0 0 152,771
ISHARES TR RUS 1000 VAL ETF 464287598   742,590 4,705 SH   SOLE   0 0 4,705
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,443,399 7,768 SH   SOLE   0 0 7,768
AMAZON COM INC COM 023135106   203,362 1,560 SH   SOLE   0 0 1,560
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   984,880 6,063 SH   SOLE   0 0 6,063
VANGUARD INDEX FDS TOTAL STK MKT 922908769   828,165 3,760 SH   SOLE   0 0 3,760
APPLE INC COM 037833100   830,388 4,281 SH   SOLE   0 0 4,281
ISHARES TR CORE US AGGBD ET 464287226   2,385,768 24,357 SH   SOLE   0 0 24,357
SMARTFINANCIAL INC COM NEW 83190L208   247,010 11,484 SH   SOLE   0 0 11,484
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   445,560 8,189 SH   SOLE   0 0 8,189
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   32,525,824 411,563 SH   SOLE   0 0 411,563
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   110,636,412 2,139,969 SH   SOLE   0 0 2,139,969
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   38,999,622 1,093,959 SH   SOLE   0 0 1,093,959
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   23,559,557 401,629 SH   SOLE   0 0 401,629
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   21,646,987 470,689 SH   SOLE   0 0 470,689
TESLA INC COM 88160R101   398,414 1,522 SH   SOLE   0 0 1,522
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,860,060 411,182 SH   SOLE   0 0 411,182