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 416 5,343 SH   SOLE   0 0 5,343
VANGUARD GROUP DIV APP ETF 921908844 957 8,000 SH   SOLE   0 0 8,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 637 4,219 SH   SOLE   0 0 4,219
ISHARES TR CORE US AGGBD ET 464287226 1,150 10,164 SH   SOLE   0 0 10,164
VANGUARD INDEX FDS SMALL CP ETF 922908751 284 1,845 SH   SOLE   0 0 1,845
SMARTFINANCIAL INC COM NEW 83190L208 230 11,021 SH   SOLE   0 0 11,021
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 530 18,686 SH   SOLE   0 0 18,686
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 436 8,736 SH   SOLE   0 0 8,736
ISHARES TR NATIONAL MUN ETF 464288414 1,974 17,297 SH   SOLE   0 0 17,297
ISHARES TR EAFE SML CP ETF 464288273 267 4,664 SH   SOLE   0 0 4,664
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 80,198 1,129,226 SH   SOLE   0 0 1,129,226
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,900 655,993 SH   SOLE   0 0 655,993
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 18,143 260,187 SH   SOLE   0 0 260,187
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,454 25,714 SH   SOLE   0 0 25,714
ISHARES TR CORE 1 5 YR USD 46432F859 17,732 351,191 SH   SOLE   0 0 351,191
ISHARES TR CORE INTL AGGR 46435G672 9,217 165,210 SH   SOLE   0 0 165,210
DBX ETF TR XTRACK USD HIGH 233051432 9,132 182,342 SH   SOLE   0 0 182,342