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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   29,686,950 383,008 SH   SOLE   0 0 383,008
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,842,909 381,823 SH   SOLE   0 0 381,823
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   20,258,904 445,055 SH   SOLE   0 0 445,055
VANGUARD INDEX FDS TOTAL STK MKT 922908769   770,391 4,029 SH   SOLE   0 0 4,029
ISHARES TR CORE US AGGBD ET 464287226   2,494,875 25,723 SH   SOLE   0 0 25,723
ISHARES TR CORE S&P SCP ETF 464287804   13,832,133 146,155 SH   SOLE   0 0 146,155
TESLA INC COM 88160R101   207,805 1,687 SH   SOLE   0 0 1,687
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   22,333,161 381,894 SH   SOLE   0 0 381,894
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   916,438 6,035 SH   SOLE   0 0 6,035
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   33,800,751 1,049,387 SH   SOLE   0 0 1,049,387
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   405,097 8,079 SH   SOLE   0 0 8,079
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   93,216,095 2,080,252 SH   SOLE   0 0 2,080,252
ISHARES TR RUS 1000 VAL ETF 464287598   764,468 5,041 SH   SOLE   0 0 5,041
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,588,847 9,384 SH   SOLE   0 0 9,384
SMARTFINANCIAL INC COM NEW 83190L208   313,748 11,409 SH   SOLE   0 0 11,409
APPLE INC COM 037833100   555,613 4,276 SH   SOLE   0 0 4,276