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 938 8,144 SH   SOLE   0 0 8,144
VANGUARD INDEX FDS TOTAL STK MKT 922908769 630 4,200 SH   SOLE   0 0 4,200
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,468 25,710 SH   SOLE   0 0 25,710
ISHARES TR CORE INTL AGGR 46435G672 8,687 159,473 SH   SOLE   0 0 159,473
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 1,230 43,070 SH   SOLE   0 0 43,070
VANGUARD INDEX FDS SMALL CP ETF 922908751 287 1,834 SH   SOLE   0 0 1,834
DBX ETF TR XTRACK USD HIGH 233051432 8,796 175,259 SH   SOLE   0 0 175,259
ISHARES TR CORE S&P SCP ETF 464287804 416 5,313 SH   SOLE   0 0 5,313
ISHARES TR CORE 1 5 YR USD 46432F859 17,491 346,829 SH   SOLE   0 0 346,829
ISHARES TR EAFE SML CP ETF 464288273 268 4,664 SH   SOLE   0 0 4,664
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 18,102 253,241 SH   SOLE   0 0 253,241
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,684 644,568 SH   SOLE   0 0 644,568
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 443 8,679 SH   SOLE   0 0 8,679
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 77,517 1,099,060 SH   SOLE   0 0 1,099,060
ISHARES TR NATIONAL MUN ETF 464288414 2,142 18,944 SH   SOLE   0 0 18,944
SMARTFINANCIAL INC COM NEW 83190L208 239 11,021 SH   SOLE   0 0 11,021