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
ISHARES TR CORE S&P SCP ETF 464287804 368 5,307 SH   SOLE   0 0 5,307
SPDR S&P 500 ETF TR TR UNIT 78462F103 205 821 SH   SOLE   0 0 821
VANGUARD GROUP DIV APP ETF 921908844 911 9,302 SH   SOLE   0 0 9,302
VANGUARD INDEX FDS TOTAL STK MKT 922908769 531 4,162 SH   SOLE   0 0 4,162
VANGUARD INDEX FDS SMALL CP ETF 922908751 252 1,908 SH   SOLE   0 0 1,908
SMARTFINANCIAL INC COM NEW 83190L208 201 11,021 SH   SOLE   0 0 11,021
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 1,134 52,821 SH   SOLE   0 0 52,821
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 390 8,551 SH   SOLE   0 0 8,551
ISHARES TR NATIONAL MUN ETF 464288414 1,808 16,579 SH   SOLE   0 0 16,579
ISHARES TR EAFE SML CP ETF 464288273 247 4,764 SH   SOLE   0 0 4,764
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 797 15,917 SH   SOLE   0 0 15,917
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 62,126 1,036,647 SH   SOLE   0 0 1,036,647
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,921 596,850 SH   SOLE   0 0 596,850
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,053 231,597 SH   SOLE   0 0 231,597
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 849 17,711 SH   SOLE   0 0 17,711