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
Estimated average burden
hours per response: 23.8
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 26,743 74,872 SH   SOLE   0 0 74,872
APPLE INC COM 037833100 591 4,274 SH   SOLE   0 0 4,274
ISHARES TR CORE S&P SCP ETF 464287804 12,658 145,175 SH   SOLE   0 0 145,175
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 88,092 2,097,918 SH   SOLE   0 0 2,097,918
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 354 7,981 SH   SOLE   0 0 7,981
ISHARES TR RUS 1000 VAL ETF 464287598 1,329 9,771 SH   SOLE   0 0 9,771
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,045 7,735 SH   SOLE   0 0 7,735
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 29,040 1,032,344 SH   SOLE   0 0 1,032,344
VANGUARD INDEX FDS TOTAL STK MKT 922908769 731 4,072 SH   SOLE   0 0 4,072
ISHARES TR CORE US AGGBD ET 464287226 75,926 788,106 SH   SOLE   0 0 788,106
TESLA INC COM 88160R101 346 1,306 SH   SOLE   0 0 1,306
SMARTFINANCIAL INC COM NEW 83190L208 281 11,382 SH   SOLE   0 0 11,382
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 452 9,391 SH   SOLE   0 0 9,391