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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
OMB APPROVAL
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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
ISHARES TR CORE S&P SCP ETF 464287804   14,843,654 157,359 SH   SOLE   0 0 157,359
ISHARES TR RUS 1000 VAL ETF 464287598   731,469 4,818 SH   SOLE   0 0 4,818
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,335,199 7,802 SH   SOLE   0 0 7,802
LOWES COS INC COM 548661107   283,558 1,364 SH   SOLE   0 0 1,364
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   946,470 6,091 SH   SOLE   0 0 6,091
VANGUARD INDEX FDS TOTAL STK MKT 922908769   801,588 3,774 SH   SOLE   0 0 3,774
APPLE INC COM 037833100   749,439 4,377 SH   SOLE   0 0 4,377
ISHARES TR CORE US AGGBD ET 464287226   2,154,362 22,909 SH   SOLE   0 0 22,909
SMARTFINANCIAL INC COM NEW 83190L208   246,255 11,523 SH   SOLE   0 0 11,523
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   427,166 8,235 SH   SOLE   0 0 8,235
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   31,944,195 420,429 SH   SOLE   0 0 420,429
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   108,932,164 2,185,199 SH   SOLE   0 0 2,185,199
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   37,982,826 1,118,458 SH   SOLE   0 0 1,118,458
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   23,062,997 403,552 SH   SOLE   0 0 403,552
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   21,008,139 479,857 SH   SOLE   0 0 479,857
TESLA INC COM 88160R101   380,835 1,522 SH   SOLE   0 0 1,522
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,375,847 415,148 SH   SOLE   0 0 415,148