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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR NATIONAL MUN ETF 464288414 1,906 16,729 SH   SOLE   0 0 16,729
APPLE INC COM 037833100 218 742 SH   SOLE   0 0 742
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 20,148 266,372 SH   SOLE   0 0 266,372
ISHARES TR EAFE SML CP ETF 464288273 296 4,759 SH   SOLE   0 0 4,759
ISHARES TR CORE S&P SCP ETF 464287804 269 3,212 SH   SOLE   0 0 3,212
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 87,615 1,139,628 SH   SOLE   0 0 1,139,628
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 475 8,830 SH   SOLE   0 0 8,830
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 22,663 673,880 SH   SOLE   0 0 673,880
ISHARES TR CORE INTL AGGR 46435G672 9,265 169,106 SH   SOLE   0 0 169,106
DBX ETF TR XTRACK USD HIGH 233051432 9,470 188,010 SH   SOLE   0 0 188,010
VANGUARD INDEX FDS SMALL CP ETF 922908751 307 1,855 SH   SOLE   0 0 1,855
VANGUARD INDEX FDS TOTAL STK MKT 922908769 694 4,242 SH   SOLE   0 0 4,242
ISHARES TR CORE US AGGBD ET 464287226 3,260 29,015 SH   SOLE   0 0 29,015
SMARTFINANCIAL INC COM NEW 83190L208 261 11,045 SH   SOLE   0 0 11,045
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 200 2,606 SH   SOLE   0 0 2,606
VANGUARD GROUP DIV APP ETF 921908844 988 7,922 SH   SOLE   0 0 7,922
ISHARES TR CORE 1 5 YR USD 46432F859 16,844 334,206 SH   SOLE   0 0 334,206
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,547 25,725 SH   SOLE   0 0 25,725