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
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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   304,531 3,144 SH   SOLE   0 0 3,144
ABBVIE INC COM 00287Y109   674,716 4,526 SH   SOLE   0 0 4,526
ADOBE INC COM 00724F101   438,514 860 SH   SOLE   0 0 860
ALBEMARLE CORP COM 012653101   1,013,949 5,963 SH   SOLE   0 0 5,963
ALPHABET INC CAP STK CL A 02079K305   395,198 3,020 SH   SOLE   0 0 3,020
ALTRIA GROUP INC COM 02209S103   467,514 11,118 SH   SOLE   0 0 11,118
AMAZON COM INC COM 023135106   1,945,460 15,304 SH   SOLE   0 0 15,304
AMGEN INC COM 031162100   1,541,616 5,736 SH   SOLE   0 0 5,736
ANALOG DEVICES INC COM 032654105   721,721 4,122 SH   SOLE   0 0 4,122
APPLE INC COM 037833100   8,480,974 49,536 SH   SOLE   0 0 49,536
ARK ETF TR GENOMIC REV ETF 00214Q302   292,413 10,496 SH   SOLE   0 0 10,496
ASTRAZENECA PLC SPONSORED ADR 046353108   406,998 6,010 SH   SOLE   0 0 6,010
AT&T INC COM 00206R102   257,785 17,163 SH   SOLE   0 0 17,163
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   564,700 17,570 SH   SOLE   0 0 17,570
BRISTOL-MYERS SQUIBB CO COM 110122108   763,289 13,151 SH   SOLE   0 0 13,151
CATERPILLAR INC COM 149123101   754,690 2,764 SH   SOLE   0 0 2,764
CHEVRON CORP NEW COM 166764100   338,421 2,007 SH   SOLE   0 0 2,007
CISCO SYS INC COM 17275R102   499,433 9,290 SH   SOLE   0 0 9,290
COCA COLA CO COM 191216100   644,675 11,516 SH   SOLE   0 0 11,516
COMCAST CORP NEW CL A 20030N101   277,331 6,255 SH   SOLE   0 0 6,255
CONSTELLATION BRANDS INC CL A 21036P108   213,380 849 SH   SOLE   0 0 849
COSTCO WHSL CORP NEW COM 22160K105   677,537 1,199 SH   SOLE   0 0 1,199
CSX CORP COM 126408103   651,439 21,185 SH   SOLE   0 0 21,185
DEERE & CO COM 244199105   1,627,175 4,312 SH   SOLE   0 0 4,312
DUKE ENERGY CORP NEW COM NEW 26441C204   388,100 4,397 SH   SOLE   0 0 4,397
ELI LILLY & CO COM 532457108   1,110,301 2,067 SH   SOLE   0 0 2,067
ENTERPRISE PRODS PARTNERS L COM 293792107   699,874 25,571 SH   SOLE   0 0 25,571
EQT CORP COM 26884L109   348,948 8,599 SH   SOLE   0 0 8,599
ETF SER SOLUTIONS US GLB JETS 26922A842   315,611 18,533 SH   SOLE   0 0 18,533
EXXON MOBIL CORP COM 30231G102   2,040,244 17,352 SH   SOLE   0 0 17,352
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   2,048,057 48,322 SH   SOLE   0 0 48,322
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835   249,513 10,313 SH   SOLE   0 0 10,313
HERSHEY CO COM 427866108   428,772 2,143 SH   SOLE   0 0 2,143
HOME DEPOT INC COM 437076102   1,878,899 6,218 SH   SOLE   0 0 6,218
INTEL CORP COM 458140100   573,406 16,130 SH   SOLE   0 0 16,130
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   408,551 37,311 SH   SOLE   0 0 37,311
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   585,118 13,368 SH   SOLE   0 0 13,368
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   799,054 13,592 SH   SOLE   0 0 13,592
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   1,900,802 36,702 SH   SOLE   0 0 36,702
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,712,324 12,085 SH   SOLE   0 0 12,085
INVESCO QQQ TR UNIT SER 1 46090E103   3,436,900 9,593 SH   SOLE   0 0 9,593
ISHARES GOLD TR ISHARES NEW 464285204   2,393,386 68,402 SH   SOLE   0 0 68,402
ISHARES INC CORE MSCI EMKT 46434G103   8,895,255 186,914 SH   SOLE   0 0 186,914
ISHARES INC MSCI EMERG MRKT 464286533   501,050 9,392 SH   SOLE   0 0 9,392
ISHARES INC MSCI GBL MIN VOL 464286525   303,150 3,177 SH   SOLE   0 0 3,177
ISHARES TR 0-5 YR TIPS ETF 46429B747   517,941 5,344 SH   SOLE   0 0 5,344
ISHARES TR 0-5YR HI YL CP 46434V407   604,192 14,726 SH   SOLE   0 0 14,726
ISHARES TR 1 3 YR TREAS BD 464287457   5,090,021 62,863 SH   SOLE   0 0 62,863
ISHARES TR CORE 1 5 YR USD 46432F859   648,022 13,972 SH   SOLE   0 0 13,972
ISHARES TR CORE DIV GRWTH 46434V621   1,195,213 24,131 SH   SOLE   0 0 24,131
ISHARES TR CORE HIGH DV ETF 46429B663   1,333,928 13,489 SH   SOLE   0 0 13,489
ISHARES TR CORE INTL AGGR 46435G672   1,317,286 27,005 SH   SOLE   0 0 27,005
ISHARES TR CORE MSCI EAFE 46432F842   7,416,338 115,250 SH   SOLE   0 0 115,250
ISHARES TR CORE MSCI EURO 46434V738   596,690 12,015 SH   SOLE   0 0 12,015
ISHARES TR CORE MSCI INTL 46435G326   6,640,821 113,947 SH   SOLE   0 0 113,947
ISHARES TR CORE MSCI TOTAL 46432F834   201,387 3,357 SH   SOLE   0 0 3,357
ISHARES TR CORE S&P MCP ETF 464287507   1,024,829 4,110 SH   SOLE   0 0 4,110
ISHARES TR CORE S&P SCP ETF 464287804   3,220,588 34,142 SH   SOLE   0 0 34,142
ISHARES TR CORE S&P TTL STK 464287150   6,077,188 64,521 SH   SOLE   0 0 64,521
ISHARES TR CORE S&P500 ETF 464287200   11,846,349 27,586 SH   SOLE   0 0 27,586
ISHARES TR CORE TOTAL USD 46434V613   3,695,424 84,534 SH   SOLE   0 0 84,534
ISHARES TR CORE US AGGBD ET 464287226   8,656,405 92,050 SH   SOLE   0 0 92,050
ISHARES TR CRE U S REIT ETF 464288521   211,508 4,483 SH   SOLE   0 0 4,483
ISHARES TR ESG AWR MSCI USA 46435G425   250,570 2,668 SH   SOLE   0 0 2,668
ISHARES TR EXPND TEC SC ETF 464287549   239,166 626 SH   SOLE   0 0 626
ISHARES TR EXPONENTIAL TECH 46434V381   478,225 9,160 SH   SOLE   0 0 9,160
ISHARES TR FALN ANGLS USD 46435G474   271,064 10,930 SH   SOLE   0 0 10,930
ISHARES TR FLTG RATE NT ETF 46429B655   392,350 7,710 SH   SOLE   0 0 7,710
ISHARES TR GLB CNS DISC ETF 464288745   321,736 2,195 SH   SOLE   0 0 2,195
ISHARES TR GLB CNSM STP ETF 464288737   962,915 16,875 SH   SOLE   0 0 16,875
ISHARES TR GLB INFRASTR ETF 464288372   413,649 9,555 SH   SOLE   0 0 9,555
ISHARES TR GLOB HLTHCRE ETF 464287325   521,446 6,327 SH   SOLE   0 0 6,327
ISHARES TR GLOB INDSTRL ETF 464288729   727,035 6,433 SH   SOLE   0 0 6,433
ISHARES TR GLOBAL TECH ETF 464287291   1,085,195 18,762 SH   SOLE   0 0 18,762
ISHARES TR IBONDS DEC23 ETF 46434VAX8   287,974 11,355 SH   SOLE   0 0 11,355
ISHARES TR IBONDS DEC24 ETF 46434VBG4   422,710 17,093 SH   SOLE   0 0 17,093
ISHARES TR IBONDS DEC25 ETF 46434VBD1   421,601 17,300 SH   SOLE   0 0 17,300
ISHARES TR IBOXX HI YD ETF 464288513   769,440 10,437 SH   SOLE   0 0 10,437
ISHARES TR IBOXX INV CP ETF 464287242   1,022,037 10,018 SH   SOLE   0 0 10,018
ISHARES TR INDIA 50 ETF 464289529   338,654 7,494 SH   SOLE   0 0 7,494
ISHARES TR ISHARES BIOTECH 464287556   1,561,025 12,765 SH   SOLE   0 0 12,765
ISHARES TR ISHARES SEMICDTR 464287523   386,025 815 SH   SOLE   0 0 815
ISHARES TR ISHS 1-5YR INVS 464288646   9,364,062 187,920 SH   SOLE   0 0 187,920
ISHARES TR ISHS 5-10YR INVT 464288638   4,447,445 91,417 SH   SOLE   0 0 91,417
ISHARES TR JPMORGAN USD EMG 464288281   1,854,701 22,476 SH   SOLE   0 0 22,476
ISHARES TR MSCI EAFE ETF 464287465   957,904 13,899 SH   SOLE   0 0 13,899
ISHARES TR MSCI EAFE MIN VL 46429B689   574,734 8,812 SH   SOLE   0 0 8,812
ISHARES TR MSCI EMG MKT ETF 464287234   634,364 16,716 SH   SOLE   0 0 16,716
ISHARES TR MSCI USA MIN VOL 46429B697   2,025,910 27,990 SH   SOLE   0 0 27,990
ISHARES TR MSCI USA SMCP MN 46435G433   644,310 19,495 SH   SOLE   0 0 19,495
ISHARES TR MSCI USA VALUE 46432F388   729,571 8,042 SH   SOLE   0 0 8,042
ISHARES TR NATIONAL MUN ETF 464288414   9,567,963 93,310 SH   SOLE   0 0 93,310
ISHARES TR PFD AND INCM SEC 464288687   1,276,394 42,335 SH   SOLE   0 0 42,335
ISHARES TR RUS 1000 GRW ETF 464287614   252,425 949 SH   SOLE   0 0 949
ISHARES TR RUS 2000 GRW ETF 464287648   329,501 1,470 SH   SOLE   0 0 1,470
ISHARES TR RUS 2000 VAL ETF 464287630   450,298 3,322 SH   SOLE   0 0 3,322
ISHARES TR RUS MID CAP ETF 464287499   942,770 13,614 SH   SOLE   0 0 13,614
ISHARES TR RUSSELL 2000 ETF 464287655   1,281,719 7,252 SH   SOLE   0 0 7,252
ISHARES TR S&P 500 GRWT ETF 464287309   4,222,246 61,710 SH   SOLE   0 0 61,710
ISHARES TR S&P 500 VAL ETF 464287408   1,424,405 9,259 SH   SOLE   0 0 9,259
ISHARES TR S&P MC 400VL ETF 464287705   226,566 2,245 SH   SOLE   0 0 2,245
ISHARES TR S&P SML 600 GWT 464287887   834,826 7,611 SH   SOLE   0 0 7,611
ISHARES TR SELECT DIVID ETF 464287168   1,660,240 15,424 SH   SOLE   0 0 15,424
ISHARES TR SHORT TREAS BD 464288679   405,068 3,667 SH   SOLE   0 0 3,667
ISHARES TR SHRT NAT MUN ETF 464288158   577,251 5,612 SH   SOLE   0 0 5,612
ISHARES TR SP SMCP600VL ETF 464287879   845,461 9,476 SH   SOLE   0 0 9,476
ISHARES TR TIPS BD ETF 464287176   1,951,703 18,817 SH   SOLE   0 0 18,817
ISHARES TR U.S. BAS MTL ETF 464287838   420,393 3,328 SH   SOLE   0 0 3,328
ISHARES TR U.S. FIXED INCME 46435U796   373,048 4,516 SH   SOLE   0 0 4,516
ISHARES TR U.S. TECH ETF 464287721   1,017,305 9,696 SH   SOLE   0 0 9,696
ISHARES TR US AER DEF ETF 464288760   659,076 6,219 SH   SOLE   0 0 6,219
ISHARES TR US CONSM STAPLES 464287812   1,149,547 6,163 SH   SOLE   0 0 6,163
ISHARES TR US CONSUM DISCRE 464287580   349,452 5,220 SH   SOLE   0 0 5,220
ISHARES TR US HLTHCARE ETF 464287762   1,495,386 5,537 SH   SOLE   0 0 5,537
ISHARES TR US INDUSTRIALS 464287754   291,669 2,891 SH   SOLE   0 0 2,891
ISHARES TR USD INV GRDE ETF 464288620   954,575 19,858 SH   SOLE   0 0 19,858
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   374,659 7,510 SH   SOLE   0 0 7,510
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   560,661 10,533 SH   SOLE   0 0 10,533
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,131,116 22,541 SH   SOLE   0 0 22,541
JABIL INC COM 466313103   968,298 7,631 SH   SOLE   0 0 7,631
JOHNSON & JOHNSON COM 478160104   2,564,397 16,465 SH   SOLE   0 0 16,465
JPMORGAN CHASE & CO COM 46625H100   1,641,098 11,316 SH   SOLE   0 0 11,316
LIVE OAK BANCSHARES INC COM 53803X105   509,028 17,583 SH   SOLE   0 0 17,583
LOWES COS INC COM 548661107   386,184 1,858 SH   SOLE   0 0 1,858
MARATHON PETE CORP COM 56585A102   204,158 1,349 SH   SOLE   0 0 1,349
MCDONALDS CORP COM 580135101   375,575 1,426 SH   SOLE   0 0 1,426
MEDTRONIC PLC SHS G5960L103   213,845 2,729 SH   SOLE   0 0 2,729
MERCK & CO INC COM 58933Y105   1,491,596 14,489 SH   SOLE   0 0 14,489
MICROSOFT CORP COM 594918104   3,672,060 11,630 SH   SOLE   0 0 11,630
MOLSON COORS BEVERAGE CO CL B 60871R209   612,054 9,625 SH   SOLE   0 0 9,625
MONDELEZ INTL INC CL A 609207105   299,541 4,316 SH   SOLE   0 0 4,316
MOODYS CORP COM 615369105   597,562 1,890 SH   SOLE   0 0 1,890
NOVARTIS AG SPONSORED ADR 66987V109   274,411 2,694 SH   SOLE   0 0 2,694
NVIDIA CORPORATION COM 67066G104   3,151,503 7,245 SH   SOLE   0 0 7,245
NXP SEMICONDUCTORS N V COM N6596X109   452,020 2,261 SH   SOLE   0 0 2,261
PALANTIR TECHNOLOGIES INC CL A 69608A108   315,968 19,748 SH   SOLE   0 0 19,748
PEPSICO INC COM 713448108   931,073 5,495 SH   SOLE   0 0 5,495
PFIZER INC COM 717081103   828,847 24,988 SH   SOLE   0 0 24,988
PHILIP MORRIS INTL INC COM 718172109   766,706 8,282 SH   SOLE   0 0 8,282
PINNACLE FINL PARTNERS INC COM 72346Q104   1,720,498 25,664 SH   SOLE   0 0 25,664
POLARIS INC COM 731068102   379,187 3,641 SH   SOLE   0 0 3,641
PROCTER AND GAMBLE CO COM 742718109   1,202,117 8,242 SH   SOLE   0 0 8,242
ROYAL BK CDA COM 780087102   250,866 2,869 SH   SOLE   0 0 2,869
RTX CORPORATION COM 75513E101   534,882 7,432 SH   SOLE   0 0 7,432
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,616,706 192,845 SH   SOLE   0 0 192,845
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,879,897 290,927 SH   SOLE   0 0 290,927
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,174,927 98,447 SH   SOLE   0 0 98,447
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   329,134 6,866 SH   SOLE   0 0 6,866
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   227,564 4,693 SH   SOLE   0 0 4,693
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   317,964 6,639 SH   SOLE   0 0 6,639
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,152,995 116,505 SH   SOLE   0 0 116,505
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   21,143,703 424,146 SH   SOLE   0 0 424,146
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,918,531 97,775 SH   SOLE   0 0 97,775
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   626,108 8,610 SH   SOLE   0 0 8,610
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   302,125 4,687 SH   SOLE   0 0 4,687
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,781,711 153,789 SH   SOLE   0 0 153,789
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,410,935 109,500 SH   SOLE   0 0 109,500
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,098,945 118,250 SH   SOLE   0 0 118,250
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,047,172 170,139 SH   SOLE   0 0 170,139
SCHWAB STRATEGIC TR US TIPS ETF 808524870   956,640 18,947 SH   SOLE   0 0 18,947
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   440,370 12,925 SH   SOLE   0 0 12,925
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   211,392 1,642 SH   SOLE   0 0 1,642
SKYWORKS SOLUTIONS INC COM 83088M102   235,926 2,393 SH   SOLE   0 0 2,393
SMARTFINANCIAL INC COM NEW 83190L208   746,626 34,938 SH   SOLE   0 0 34,938
SOUTHERN CO COM 842587107   307,395 4,750 SH   SOLE   0 0 4,750
SPDR GOLD TR GOLD SHS 78463V107   252,889 1,475 SH   SOLE   0 0 1,475
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   402,577 7,225 SH   SOLE   0 0 7,225
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,596,096 83,718 SH   SOLE   0 0 83,718
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   419,122 12,485 SH   SOLE   0 0 12,485
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,190,063 16,820 SH   SOLE   0 0 16,820
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,252,564 2,743 SH   SOLE   0 0 2,743
SPDR SER TR PORTFOLIO S&P600 78468R853   12,740,954 345,283 SH   SOLE   0 0 345,283
SPDR SER TR PORTFOLIO SHORT 78464A474   2,471,852 84,306 SH   SOLE   0 0 84,306
SPDR SER TR S&P BIOTECH 78464A870   456,083 6,246 SH   SOLE   0 0 6,246
SPDR SER TR S&P DIVID ETF 78464A763   1,078,388 9,376 SH   SOLE   0 0 9,376
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   624,757 14,900 SH   SOLE   0 0 14,900
STRYKER CORPORATION COM 863667101   265,034 970 SH   SOLE   0 0 970
TESLA INC COM 88160R101   2,064,566 8,251 SH   SOLE   0 0 8,251
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   453,772 17,858 SH   SOLE   0 0 17,858
UNITED PARCEL SERVICE INC CL B 911312106   994,763 6,382 SH   SOLE   0 0 6,382
VANECK ETF TRUST GOLD MINERS ETF 92189F106   625,497 23,244 SH   SOLE   0 0 23,244
VANECK ETF TRUST PREFERRED SECURT 92189F429   633,452 37,683 SH   SOLE   0 0 37,683
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   14,776,902 169,072 SH   SOLE   0 0 169,072
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,525,109 86,805 SH   SOLE   0 0 86,805
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   83,554,477 1,197,399 SH   SOLE   0 0 1,197,399
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   331,587 6,741 SH   SOLE   0 0 6,741
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,095,712 190,167 SH   SOLE   0 0 190,167
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,577,018 11,003 SH   SOLE   0 0 11,003
VANGUARD INDEX FDS GROWTH ETF 922908736   774,434 2,844 SH   SOLE   0 0 2,844
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,488,443 43,377 SH   SOLE   0 0 43,377
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,138,344 10,979 SH   SOLE   0 0 10,979
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,344,108 10,263 SH   SOLE   0 0 10,263
VANGUARD INDEX FDS MID CAP ETF 922908629   15,947,701 76,583 SH   SOLE   0 0 76,583
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,558,513 205,629 SH   SOLE   0 0 205,629
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,812,878 4,616 SH   SOLE   0 0 4,616
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,923,825 12,062 SH   SOLE   0 0 12,062
VANGUARD INDEX FDS SMALL CP ETF 922908751   22,685,161 119,983 SH   SOLE   0 0 119,983
VANGUARD INDEX FDS TOTAL STK MKT 922908769   293,391,513 1,381,251 SH   SOLE   0 0 1,381,251
VANGUARD INDEX FDS VALUE ETF 922908744   1,370,478 9,936 SH   SOLE   0 0 9,936
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   34,165,105 658,668 SH   SOLE   0 0 658,668
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   33,595,456 856,808 SH   SOLE   0 0 856,808
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   515,109 7,702 SH   SOLE   0 0 7,702
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,556,205 24,070 SH   SOLE   0 0 24,070
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,069,123 11,474 SH   SOLE   0 0 11,474
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   777,841 16,452 SH   SOLE   0 0 16,452
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   254,930 5,300 SH   SOLE   0 0 5,300
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   47,664,855 627,334 SH   SOLE   0 0 627,334
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   9,926,235 172,330 SH   SOLE   0 0 172,330
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   33,456,304 445,194 SH   SOLE   0 0 445,194
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   13,101,994 84,322 SH   SOLE   0 0 84,322
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,262,393 23,587 SH   SOLE   0 0 23,587
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   50,222,115 1,148,722 SH   SOLE   0 0 1,148,722
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,420,140 91,618 SH   SOLE   0 0 91,618
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   11,667,081 112,922 SH   SOLE   0 0 112,922
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   399,304 6,452 SH   SOLE   0 0 6,452
VANGUARD WORLD FD ESG INTL STK ETF 921910725   300,290 5,953 SH   SOLE   0 0 5,953
VANGUARD WORLD FD ESG US STK ETF 921910733   3,334,520 44,330 SH   SOLE   0 0 44,330
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   15,724,844 86,083 SH   SOLE   0 0 86,083
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,326,364 10,465 SH   SOLE   0 0 10,465
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   653,944 2,782 SH   SOLE   0 0 2,782
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,750,841 6,630 SH   SOLE   0 0 6,630
VANGUARD WORLD FDS UTILITIES ETF 92204A876   15,439,934 121,059 SH   SOLE   0 0 121,059
VERIZON COMMUNICATIONS INC COM 92343V104   693,731 21,405 SH   SOLE   0 0 21,405
VISA INC COM CL A 92826C839   499,923 2,173 SH   SOLE   0 0 2,173
WALMART INC COM 931142103   969,176 6,060 SH   SOLE   0 0 6,060