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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   360,627 3,308 SH   SOLE   0 0 3,308
ABBVIE INC COM 00287Y109   759,555 5,638 SH   SOLE   0 0 5,638
ADOBE SYSTEMS INCORPORATED COM 00724F101   477,255 976 SH   SOLE   0 0 976
ALBEMARLE CORP COM 012653101   1,509,576 6,767 SH   SOLE   0 0 6,767
ALPHABET INC CAP STK CL A 02079K305   361,494 3,020 SH   SOLE   0 0 3,020
ALTRIA GROUP INC COM 02209S103   503,648 11,118 SH   SOLE   0 0 11,118
AMAZON COM INC COM 023135106   2,320,034 17,797 SH   SOLE   0 0 17,797
AMGEN INC COM 031162100   1,652,925 7,445 SH   SOLE   0 0 7,445
ANALOG DEVICES INC COM 032654105   909,179 4,667 SH   SOLE   0 0 4,667
APPLE INC COM 037833100   10,798,226 55,670 SH   SOLE   0 0 55,670
ARK ETF TR GENOMIC REV ETF 00214Q302   357,801 10,496 SH   SOLE   0 0 10,496
ASTRAZENECA PLC SPONSORED ADR 046353108   447,599 6,254 SH   SOLE   0 0 6,254
AT&T INC COM 00206R102   270,347 16,950 SH   SOLE   0 0 16,950
BANK AMERICA CORP COM 060505104   255,225 8,896 SH   SOLE   0 0 8,896
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   537,115 17,570 SH   SOLE   0 0 17,570
BRISTOL-MYERS SQUIBB CO COM 110122108   942,321 14,735 SH   SOLE   0 0 14,735
CATERPILLAR INC COM 149123101   844,509 3,432 SH   SOLE   0 0 3,432
CHEVRON CORP NEW COM 166764100   315,802 2,007 SH   SOLE   0 0 2,007
CIRRUS LOGIC INC COM 172755100   210,708 2,601 SH   SOLE   0 0 2,601
CISCO SYS INC COM 17275R102   489,743 9,465 SH   SOLE   0 0 9,465
COCA COLA CO COM 191216100   745,168 12,374 SH   SOLE   0 0 12,374
COMCAST CORP NEW CL A 20030N101   259,806 6,253 SH   SOLE   0 0 6,253
CONSTELLATION BRANDS INC CL A 21036P108   290,926 1,182 SH   SOLE   0 0 1,182
COSTCO WHSL CORP NEW COM 22160K105   695,029 1,291 SH   SOLE   0 0 1,291
CSX CORP COM 126408103   725,683 21,281 SH   SOLE   0 0 21,281
DEERE & CO COM 244199105   1,895,138 4,677 SH   SOLE   0 0 4,677
DOW INC COM 260557103   248,352 4,663 SH   SOLE   0 0 4,663
DUKE ENERGY CORP NEW COM NEW 26441C204   626,370 6,980 SH   SOLE   0 0 6,980
ENTERPRISE PRODS PARTNERS L COM 293792107   667,103 25,317 SH   SOLE   0 0 25,317
EQT CORP COM 26884L109   353,677 8,599 SH   SOLE   0 0 8,599
ETF SER SOLUTIONS US GLB JETS 26922A842   396,969 18,533 SH   SOLE   0 0 18,533
EXXON MOBIL CORP COM 30231G102   2,202,612 20,537 SH   SOLE   0 0 20,537
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   1,989,361 47,856 SH   SOLE   0 0 47,856
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835   296,283 11,639 SH   SOLE   0 0 11,639
HERSHEY CO COM 427866108   643,228 2,576 SH   SOLE   0 0 2,576
HOME DEPOT INC COM 437076102   1,937,213 6,236 SH   SOLE   0 0 6,236
INTEL CORP COM 458140100   690,672 20,654 SH   SOLE   0 0 20,654
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   1,083,109 95,260 SH   SOLE   0 0 95,260
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   656,681 4,456 SH   SOLE   0 0 4,456
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   853,692 13,592 SH   SOLE   0 0 13,592
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   2,621,264 36,702 SH   SOLE   0 0 36,702
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,808,400 12,085 SH   SOLE   0 0 12,085
INVESCO QQQ TR UNIT SER 1 46090E103   3,763,979 10,189 SH   SOLE   0 0 10,189
ISHARES GOLD TR ISHARES NEW 464285204   2,489,149 68,402 SH   SOLE   0 0 68,402
ISHARES INC CORE MSCI EMKT 46434G103   9,759,192 197,995 SH   SOLE   0 0 197,995
ISHARES INC MSCI EMERG MRKT 464286533   516,249 9,390 SH   SOLE   0 0 9,390
ISHARES INC MSCI GBL MIN VOL 464286525   311,325 3,175 SH   SOLE   0 0 3,175
ISHARES TR 0-5 YR TIPS ETF 46429B747   484,682 4,966 SH   SOLE   0 0 4,966
ISHARES TR 0-5YR HI YL CP 46434V407   610,377 14,726 SH   SOLE   0 0 14,726
ISHARES TR 1 3 YR TREAS BD 464287457   5,489,555 67,705 SH   SOLE   0 0 67,705
ISHARES TR CORE 1 5 YR USD 46432F859   649,323 13,922 SH   SOLE   0 0 13,922
ISHARES TR CORE DIV GRWTH 46434V621   1,232,345 23,915 SH   SOLE   0 0 23,915
ISHARES TR CORE HIGH DV ETF 46429B663   2,446,375 24,272 SH   SOLE   0 0 24,272
ISHARES TR CORE INTL AGGR 46435G672   1,404,606 28,497 SH   SOLE   0 0 28,497
ISHARES TR CORE MSCI EAFE 46432F842   7,674,886 113,702 SH   SOLE   0 0 113,702
ISHARES TR CORE MSCI EURO 46434V738   649,165 12,334 SH   SOLE   0 0 12,334
ISHARES TR CORE MSCI INTL 46435G326   6,758,677 110,580 SH   SOLE   0 0 110,580
ISHARES TR CORE MSCI TOTAL 46432F834   205,206 3,277 SH   SOLE   0 0 3,277
ISHARES TR CORE S&P MCP ETF 464287507   1,153,650 4,412 SH   SOLE   0 0 4,412
ISHARES TR CORE S&P SCP ETF 464287804   3,406,706 34,187 SH   SOLE   0 0 34,187
ISHARES TR CORE S&P TTL STK 464287150   5,952,245 60,837 SH   SOLE   0 0 60,837
ISHARES TR CORE S&P500 ETF 464287200   12,402,640 27,827 SH   SOLE   0 0 27,827
ISHARES TR CORE TOTAL USD 46434V613   3,513,522 77,271 SH   SOLE   0 0 77,271
ISHARES TR CORE US AGGBD ET 464287226   9,350,093 95,458 SH   SOLE   0 0 95,458
ISHARES TR CRE U S REIT ETF 464288521   367,222 7,143 SH   SOLE   0 0 7,143
ISHARES TR ESG AWR MSCI USA 46435G425   325,368 3,338 SH   SOLE   0 0 3,338
ISHARES TR EXPND TEC SC ETF 464287549   245,855 626 SH   SOLE   0 0 626
ISHARES TR EXPONENTIAL TECH 46434V381   584,113 10,506 SH   SOLE   0 0 10,506
ISHARES TR FALN ANGLS USD 46435G474   277,295 10,930 SH   SOLE   0 0 10,930
ISHARES TR FLTG RATE NT ETF 46429B655   440,242 8,663 SH   SOLE   0 0 8,663
ISHARES TR GLB CNS DISC ETF 464288745   344,018 2,195 SH   SOLE   0 0 2,195
ISHARES TR GLB CNSM STP ETF 464288737   1,032,611 16,875 SH   SOLE   0 0 16,875
ISHARES TR GLB INFRASTR ETF 464288372   448,622 9,555 SH   SOLE   0 0 9,555
ISHARES TR GLOB HLTHCRE ETF 464287325   537,706 6,327 SH   SOLE   0 0 6,327
ISHARES TR GLOB INDSTRL ETF 464288729   773,613 6,433 SH   SOLE   0 0 6,433
ISHARES TR GLOBAL TECH ETF 464287291   1,172,406 18,852 SH   SOLE   0 0 18,852
ISHARES TR IBONDS DEC23 ETF 46434VAX8   337,343 13,339 SH   SOLE   0 0 13,339
ISHARES TR IBONDS DEC24 ETF 46434VBG4   470,439 19,108 SH   SOLE   0 0 19,108
ISHARES TR IBONDS DEC25 ETF 46434VBD1   421,774 17,300 SH   SOLE   0 0 17,300
ISHARES TR IBOXX HI YD ETF 464288513   828,422 11,035 SH   SOLE   0 0 11,035
ISHARES TR IBOXX INV CP ETF 464287242   1,219,919 11,281 SH   SOLE   0 0 11,281
ISHARES TR INDIA 50 ETF 464289529   337,530 7,494 SH   SOLE   0 0 7,494
ISHARES TR ISHARES BIOTECH 464287556   1,620,637 12,765 SH   SOLE   0 0 12,765
ISHARES TR ISHARES SEMICDTR 464287523   413,417 815 SH   SOLE   0 0 815
ISHARES TR ISHS 1-5YR INVS 464288646   9,141,468 182,210 SH   SOLE   0 0 182,210
ISHARES TR ISHS 5-10YR INVT 464288638   4,858,274 96,070 SH   SOLE   0 0 96,070
ISHARES TR JPMORGAN USD EMG 464288281   1,902,390 21,983 SH   SOLE   0 0 21,983
ISHARES TR MSCI EAFE ETF 464287465   1,097,924 15,144 SH   SOLE   0 0 15,144
ISHARES TR MSCI EAFE MIN VL 46429B689   734,349 10,879 SH   SOLE   0 0 10,879
ISHARES TR MSCI EMG MKT ETF 464287234   766,720 19,381 SH   SOLE   0 0 19,381
ISHARES TR MSCI USA MIN VOL 46429B697   2,101,103 28,267 SH   SOLE   0 0 28,267
ISHARES TR MSCI USA SMCP MN 46435G433   621,908 18,142 SH   SOLE   0 0 18,142
ISHARES TR MSCI USA VALUE 46432F388   754,260 8,042 SH   SOLE   0 0 8,042
ISHARES TR NATIONAL MUN ETF 464288414   9,859,579 92,379 SH   SOLE   0 0 92,379
ISHARES TR PFD AND INCM SEC 464288687   1,407,771 45,515 SH   SOLE   0 0 45,515
ISHARES TR RUS 1000 GRW ETF 464287614   261,146 949 SH   SOLE   0 0 949
ISHARES TR RUS 2000 GRW ETF 464287648   356,711 1,470 SH   SOLE   0 0 1,470
ISHARES TR RUS 2000 VAL ETF 464287630   467,738 3,322 SH   SOLE   0 0 3,322
ISHARES TR RUS MID CAP ETF 464287499   1,005,258 13,765 SH   SOLE   0 0 13,765
ISHARES TR RUSSELL 2000 ETF 464287655   1,358,083 7,252 SH   SOLE   0 0 7,252
ISHARES TR S&P 500 GRWT ETF 464287309   4,351,027 61,734 SH   SOLE   0 0 61,734
ISHARES TR S&P 500 VAL ETF 464287408   1,492,459 9,259 SH   SOLE   0 0 9,259
ISHARES TR S&P MC 400VL ETF 464287705   240,484 2,245 SH   SOLE   0 0 2,245
ISHARES TR S&P SML 600 GWT 464287887   889,868 7,743 SH   SOLE   0 0 7,743
ISHARES TR SELECT DIVID ETF 464287168   1,693,835 14,950 SH   SOLE   0 0 14,950
ISHARES TR SHORT TREAS BD 464288679   219,806 1,990 SH   SOLE   0 0 1,990
ISHARES TR SHRT NAT MUN ETF 464288158   583,873 5,612 SH   SOLE   0 0 5,612
ISHARES TR SP SMCP600VL ETF 464287879   901,086 9,476 SH   SOLE   0 0 9,476
ISHARES TR TIPS BD ETF 464287176   2,274,230 21,132 SH   SOLE   0 0 21,132
ISHARES TR U.S. BAS MTL ETF 464287838   487,363 3,663 SH   SOLE   0 0 3,663
ISHARES TR U.S. FIXED INCME 46435U796   394,189 4,687 SH   SOLE   0 0 4,687
ISHARES TR U.S. TECH ETF 464287721   1,039,818 9,551 SH   SOLE   0 0 9,551
ISHARES TR US AER DEF ETF 464288760   772,292 6,619 SH   SOLE   0 0 6,619
ISHARES TR US CONSM STAPLES 464287812   1,234,479 6,163 SH   SOLE   0 0 6,163
ISHARES TR US CONSUM DISCRE 464287580   371,466 5,220 SH   SOLE   0 0 5,220
ISHARES TR US HLTHCARE ETF 464287762   1,551,767 5,537 SH   SOLE   0 0 5,537
ISHARES TR US INDUSTRIALS 464287754   306,557 2,891 SH   SOLE   0 0 2,891
ISHARES TR US INFRASTRUC 46435U713   202,225 5,175 SH   SOLE   0 0 5,175
ISHARES TR USD INV GRDE ETF 464288620   987,675 19,718 SH   SOLE   0 0 19,718
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   404,606 8,138 SH   SOLE   0 0 8,138
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   581,294 10,550 SH   SOLE   0 0 10,550
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,285,903 25,646 SH   SOLE   0 0 25,646
JABIL INC COM 466313103   830,954 7,699 SH   SOLE   0 0 7,699
JOHNSON & JOHNSON COM 478160104   3,056,750 18,468 SH   SOLE   0 0 18,468
JPMORGAN CHASE & CO COM 46625H100   1,648,293 11,333 SH   SOLE   0 0 11,333
LILLY ELI & CO COM 532457108   971,574 2,072 SH   SOLE   0 0 2,072
LIVE OAK BANCSHARES INC COM 53803X105   462,609 17,583 SH   SOLE   0 0 17,583
LOWES COS INC COM 548661107   397,173 1,760 SH   SOLE   0 0 1,760
MCDONALDS CORP COM 580135101   447,461 1,499 SH   SOLE   0 0 1,499
MEDTRONIC PLC SHS G5960L103   273,463 3,104 SH   SOLE   0 0 3,104
MERCK & CO INC COM 58933Y105   2,025,501 17,554 SH   SOLE   0 0 17,554
MICROSOFT CORP COM 594918104   4,548,771 13,358 SH   SOLE   0 0 13,358
MOLSON COORS BEVERAGE CO CL B 60871R209   874,158 13,277 SH   SOLE   0 0 13,277
MONDELEZ INTL INC CL A 609207105   314,722 4,315 SH   SOLE   0 0 4,315
MOODYS CORP COM 615369105   657,191 1,890 SH   SOLE   0 0 1,890
NETFLIX INC COM 64110L106   212,673 483 SH   SOLE   0 0 483
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   259,305 7,884 SH   SOLE   0 0 7,884
NOVARTIS AG SPONSORED ADR 66987V109   274,879 2,724 SH   SOLE   0 0 2,724
NVIDIA CORPORATION COM 67066G104   3,343,591 7,904 SH   SOLE   0 0 7,904
NXP SEMICONDUCTORS N V COM N6596X109   648,222 3,167 SH   SOLE   0 0 3,167
PALANTIR TECHNOLOGIES INC CL A 69608A108   301,664 19,678 SH   SOLE   0 0 19,678
PEPSICO INC COM 713448108   1,002,967 5,415 SH   SOLE   0 0 5,415
PFIZER INC COM 717081103   969,252 26,425 SH   SOLE   0 0 26,425
PHILIP MORRIS INTL INC COM 718172109   808,445 8,282 SH   SOLE   0 0 8,282
PINNACLE FINL PARTNERS INC COM 72346Q104   1,461,287 25,795 SH   SOLE   0 0 25,795
POLARIS INC COM 731068102   452,972 3,746 SH   SOLE   0 0 3,746
PROCTER AND GAMBLE CO COM 742718109   2,585,705 17,040 SH   SOLE   0 0 17,040
RAYTHEON TECHNOLOGIES CORP COM 75513E101   834,842 8,522 SH   SOLE   0 0 8,522
ROYAL BK CDA COM 780087102   274,019 2,869 SH   SOLE   0 0 2,869
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,707,901 231,746 SH   SOLE   0 0 231,746
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,404,215 432,096 SH   SOLE   0 0 432,096
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   4,432,374 131,252 SH   SOLE   0 0 131,252
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   943,332 19,142 SH   SOLE   0 0 19,142
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   231,516 4,589 SH   SOLE   0 0 4,589
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   531,232 11,054 SH   SOLE   0 0 11,054
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,523,341 206,312 SH   SOLE   0 0 206,312
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   27,407,867 530,133 SH   SOLE   0 0 530,133
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,733,897 106,498 SH   SOLE   0 0 106,498
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   707,585 9,441 SH   SOLE   0 0 9,441
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   398,849 5,945 SH   SOLE   0 0 5,945
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,319,144 139,758 SH   SOLE   0 0 139,758
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   13,024,361 183,364 SH   SOLE   0 0 183,364
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,646,926 135,531 SH   SOLE   0 0 135,531
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,615,938 196,711 SH   SOLE   0 0 196,711
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,506,776 28,739 SH   SOLE   0 0 28,739
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   237,994 6,314 SH   SOLE   0 0 6,314
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   227,234 1,712 SH   SOLE   0 0 1,712
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   272,362 4,162 SH   SOLE   0 0 4,162
SKYWORKS SOLUTIONS INC COM 83088M102   385,091 3,479 SH   SOLE   0 0 3,479
SMARTFINANCIAL INC COM NEW 83190L208   751,517 34,938 SH   SOLE   0 0 34,938
SMITH & WESSON BRANDS INC COM 831754106   196,450 15,065 SH   SOLE   0 0 15,065
SOUTHERN CO COM 842587107   336,620 4,792 SH   SOLE   0 0 4,792
SPDR GOLD TR GOLD SHS 78463V107   309,299 1,735 SH   SOLE   0 0 1,735
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   389,500 7,225 SH   SOLE   0 0 7,225
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,525,853 77,623 SH   SOLE   0 0 77,623
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   465,059 13,527 SH   SOLE   0 0 13,527
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,547,360 23,794 SH   SOLE   0 0 23,794
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,335,202 2,788 SH   SOLE   0 0 2,788
SPDR SER TR PORTFOLIO S&P600 78468R853   7,153,292 184,173 SH   SOLE   0 0 184,173
SPDR SER TR PORTFOLIO SHORT 78464A474   2,846,487 96,688 SH   SOLE   0 0 96,688
SPDR SER TR S&P BIOTECH 78464A870   583,232 7,010 SH   SOLE   0 0 7,010
SPDR SER TR S&P DIVID ETF 78464A763   1,167,051 9,521 SH   SOLE   0 0 9,521
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   623,863 14,900 SH   SOLE   0 0 14,900
STRYKER CORPORATION COM 863667101   392,026 1,285 SH   SOLE   0 0 1,285
STURM RUGER & CO INC COM 864159108   206,492 3,899 SH   SOLE   0 0 3,899
TESLA INC COM 88160R101   2,691,781 10,283 SH   SOLE   0 0 10,283
THE NECESSITY RETAIL REIT IN COM CLASS A 02607T109   78,372 11,593 SH   SOLE   0 0 11,593
TJX COS INC NEW COM 872540109   217,134 2,561 SH   SOLE   0 0 2,561
TRACTOR SUPPLY CO COM 892356106   232,047 1,050 SH   SOLE   0 0 1,050
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   446,272 17,858 SH   SOLE   0 0 17,858
UNITED PARCEL SERVICE INC CL B 911312106   1,266,939 7,068 SH   SOLE   0 0 7,068
VANECK ETF TRUST GOLD MINERS ETF 92189F106   699,877 23,244 SH   SOLE   0 0 23,244
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   20,839,866 226,791 SH   SOLE   0 0 226,791
VANGUARD BD INDEX FDS INTERMED TERM 921937819   287,108 3,816 SH   SOLE   0 0 3,816
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   7,066,314 93,507 SH   SOLE   0 0 93,507
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   82,219,419 1,131,097 SH   SOLE   0 0 1,131,097
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   213,601 4,345 SH   SOLE   0 0 4,345
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,166,994 207,999 SH   SOLE   0 0 207,999
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,664,100 11,181 SH   SOLE   0 0 11,181
VANGUARD INDEX FDS GROWTH ETF 922908736   812,037 2,870 SH   SOLE   0 0 2,870
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,722,618 43,028 SH   SOLE   0 0 43,028
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,855,840 13,879 SH   SOLE   0 0 13,879
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,400,323 10,119 SH   SOLE   0 0 10,119
VANGUARD INDEX FDS MID CAP ETF 922908629   17,465,762 79,332 SH   SOLE   0 0 79,332
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   17,578,412 210,360 SH   SOLE   0 0 210,360
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,390,995 5,871 SH   SOLE   0 0 5,871
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,028,418 12,264 SH   SOLE   0 0 12,264
VANGUARD INDEX FDS SMALL CP ETF 922908751   27,330,478 137,415 SH   SOLE   0 0 137,415
VANGUARD INDEX FDS TOTAL STK MKT 922908769   308,353,684 1,399,826 SH   SOLE   0 0 1,399,826
VANGUARD INDEX FDS VALUE ETF 922908744   1,374,457 9,672 SH   SOLE   0 0 9,672
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   36,973,969 679,544 SH   SOLE   0 0 679,544
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   34,230,364 841,454 SH   SOLE   0 0 841,454
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   536,908 7,701 SH   SOLE   0 0 7,701
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,916,758 26,401 SH   SOLE   0 0 26,401
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,132,631 11,679 SH   SOLE   0 0 11,679
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   881,782 18,595 SH   SOLE   0 0 18,595
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   266,166 5,300 SH   SOLE   0 0 5,300
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   50,191,844 635,099 SH   SOLE   0 0 635,099
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   9,621,294 166,660 SH   SOLE   0 0 166,660
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   33,764,719 446,269 SH   SOLE   0 0 446,269
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   13,784,261 84,863 SH   SOLE   0 0 84,863
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,311,331 23,383 SH   SOLE   0 0 23,383
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   51,445,863 1,114,029 SH   SOLE   0 0 1,114,029
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,684,512 91,288 SH   SOLE   0 0 91,288
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   12,372,043 116,640 SH   SOLE   0 0 116,640
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   404,438 6,399 SH   SOLE   0 0 6,399
VANGUARD WORLD FD ESG INTL STK ETF 921910725   315,769 5,946 SH   SOLE   0 0 5,946
VANGUARD WORLD FD ESG US STK ETF 921910733   3,495,445 44,613 SH   SOLE   0 0 44,613
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   17,156,739 88,232 SH   SOLE   0 0 88,232
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,283,493 11,369 SH   SOLE   0 0 11,369
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   680,848 2,781 SH   SOLE   0 0 2,781
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,931,521 6,630 SH   SOLE   0 0 6,630
VANGUARD WORLD FDS UTILITIES ETF 92204A876   17,613,518 123,890 SH   SOLE   0 0 123,890
VERIZON COMMUNICATIONS INC COM 92343V104   1,024,772 27,555 SH   SOLE   0 0 27,555
VISA INC COM CL A 92826C839   545,028 2,295 SH   SOLE   0 0 2,295
WALMART INC COM 931142103   1,098,345 6,988 SH   SOLE   0 0 6,988