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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
SPDR S&P 500 ETF TR TR UNIT 78462F103 28,466 76,138 SH   SOLE   0 0 76,138
APPLE INC COM 037833100 471 3,547 SH   SOLE   0 0 3,547
ORBCOMM INC COM 68555P100 74 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 84,059 923,826 SH   SOLE   0 0 923,826
ISHARES TR CORE S&P SCP ETF 464287804 11,330 123,288 SH   SOLE   0 0 123,288
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 613 10,496 SH   SOLE   0 0 10,496
ISHARES TR RUS 1000 VAL ETF 464287598 412 3,012 SH   SOLE   0 0 3,012
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,373 871,232 SH   SOLE   0 0 871,232
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,029 7,287 SH   SOLE   0 0 7,287
VANGUARD INDEX FDS SMALL CP ETF 922908751 318 1,633 SH   SOLE   0 0 1,633
VANGUARD INDEX FDS TOTAL STK MKT 922908769 837 4,301 SH   SOLE   0 0 4,301
ISHARES TR CORE US AGGBD ET 464287226 83,710 708,265 SH   SOLE   0 0 708,265
SMARTFINANCIAL INC COM NEW 83190L208 203 11,177 SH   SOLE   0 0 11,177
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 259 4,699 SH   SOLE   0 0 4,699