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
VANGUARD GROUP DIV APP ETF 921908844 932 8,500 SH   SOLE   0 0 8,500
VANGUARD INDEX FDS TOTAL STK MKT 922908769 606 4,185 SH   SOLE   0 0 4,185
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 981 17,715 SH   SOLE   0 0 17,715
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 1,324 53,119 SH   SOLE   0 0 53,119
VANGUARD INDEX FDS SMALL CP ETF 922908751 292 1,908 SH   SOLE   0 0 1,908
ISHARES TR CORE S&P SCP ETF 464287804 409 5,296 SH   SOLE   0 0 5,296
ISHARES TR EAFE SML CP ETF 464288273 264 4,589 SH   SOLE   0 0 4,589
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 17,209 246,091 SH   SOLE   0 0 246,091
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 752 14,959 SH   SOLE   0 0 14,959
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,027 639,649 SH   SOLE   0 0 639,649
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 430 8,581 SH   SOLE   0 0 8,581
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 73,184 1,075,451 SH   SOLE   0 0 1,075,451
ISHARES TR NATIONAL MUN ETF 464288414 1,899 17,077 SH   SOLE   0 0 17,077
SPDR S&P 500 ETF TR TR UNIT 78462F103 232 821 SH   SOLE   0 0 821
SMARTFINANCIAL INC COM NEW 83190L208 208 11,021 SH   SOLE   0 0 11,021