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   391,900 3,560 SH   SOLE   0 0 3,560
ABBVIE INC COM 00287Y109   619,972 4,001 SH   SOLE   0 0 4,001
ADOBE INC COM 00724F101   428,359 718 SH   SOLE   0 0 718
ALBEMARLE CORP COM 012653101   792,841 5,488 SH   SOLE   0 0 5,488
ALPHABET INC CAP STK CL A 02079K305   421,864 3,020 SH   SOLE   0 0 3,020
ALTRIA GROUP INC COM 02209S103   448,502 11,118 SH   SOLE   0 0 11,118
AMAZON COM INC COM 023135106   2,219,559 14,608 SH   SOLE   0 0 14,608
AMGEN INC COM 031162100   1,588,647 5,516 SH   SOLE   0 0 5,516
ANALOG DEVICES INC COM 032654105   766,442 3,860 SH   SOLE   0 0 3,860
APPLE INC COM 037833100   9,128,957 47,416 SH   SOLE   0 0 47,416
ASTRAZENECA PLC SPONSORED ADR 046353108   378,844 5,625 SH   SOLE   0 0 5,625
AT&T INC COM 00206R102   282,767 16,851 SH   SOLE   0 0 16,851
BANK AMERICA CORP COM 060505104   219,932 6,532 SH   SOLE   0 0 6,532
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   533,953 17,570 SH   SOLE   0 0 17,570
BRISTOL-MYERS SQUIBB CO COM 110122108   655,182 12,769 SH   SOLE   0 0 12,769
CATERPILLAR INC COM 149123101   821,047 2,777 SH   SOLE   0 0 2,777
CHEVRON CORP NEW COM 166764100   299,365 2,007 SH   SOLE   0 0 2,007
CISCO SYS INC COM 17275R102   469,418 9,292 SH   SOLE   0 0 9,292
COCA COLA CO COM 191216100   698,441 11,852 SH   SOLE   0 0 11,852
COMCAST CORP NEW CL A 20030N101   274,356 6,257 SH   SOLE   0 0 6,257
COSTCO WHSL CORP NEW COM 22160K105   792,155 1,200 SH   SOLE   0 0 1,200
CSX CORP COM 126408103   711,672 20,527 SH   SOLE   0 0 20,527
DEERE & CO COM 244199105   1,656,662 4,143 SH   SOLE   0 0 4,143
DUKE ENERGY CORP NEW COM NEW 26441C204   395,633 4,077 SH   SOLE   0 0 4,077
ELI LILLY & CO COM 532457108   951,909 1,633 SH   SOLE   0 0 1,633
ENTERPRISE PRODS PARTNERS L COM 293792107   587,206 22,285 SH   SOLE   0 0 22,285
EQT CORP COM 26884L109   332,438 8,599 SH   SOLE   0 0 8,599
ETF SER SOLUTIONS US GLB JETS 26922A842   343,389 18,045 SH   SOLE   0 0 18,045
EXXON MOBIL CORP COM 30231G102   1,606,176 16,065 SH   SOLE   0 0 16,065
GENERAL DYNAMICS CORP COM 369550108   201,245 775 SH   SOLE   0 0 775
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   2,176,936 48,788 SH   SOLE   0 0 48,788
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835   267,288 10,313 SH   SOLE   0 0 10,313
HERSHEY CO COM 427866108   365,050 1,958 SH   SOLE   0 0 1,958
HOME DEPOT INC COM 437076102   2,330,103 6,724 SH   SOLE   0 0 6,724
INTEL CORP COM 458140100   759,636 15,117 SH   SOLE   0 0 15,117
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   354,381 30,896 SH   SOLE   0 0 30,896
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   645,006 13,368 SH   SOLE   0 0 13,368
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   851,653 13,592 SH   SOLE   0 0 13,592
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   1,959,651 36,732 SH   SOLE   0 0 36,732
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,890,444 11,980 SH   SOLE   0 0 11,980
INVESCO QQQ TR UNIT SER 1 46090E103   3,921,795 9,577 SH   SOLE   0 0 9,577
ISHARES GOLD TR ISHARES NEW 464285204   2,669,731 68,402 SH   SOLE   0 0 68,402
ISHARES INC CORE MSCI EMKT 46434G103   8,924,438 176,442 SH   SOLE   0 0 176,442
ISHARES INC MSCI EMERG MRKT 464286533   521,679 9,384 SH   SOLE   0 0 9,384
ISHARES INC MSCI GBL MIN VOL 464286525   319,013 3,179 SH   SOLE   0 0 3,179
ISHARES TR 0-5 YR TIPS ETF 46429B747   526,865 5,344 SH   SOLE   0 0 5,344
ISHARES TR 0-5YR HI YL CP 46434V407   621,715 14,726 SH   SOLE   0 0 14,726
ISHARES TR 1 3 YR TREAS BD 464287457   6,778,114 82,620 SH   SOLE   0 0 82,620
ISHARES TR 20 YR TR BD ETF 464287432   795,193 8,042 SH   SOLE   0 0 8,042
ISHARES TR 3 7 YR TREAS BD 464288661   204,861 1,749 SH   SOLE   0 0 1,749
ISHARES TR BROAD USD HIGH 46435U853   845,538 23,261 SH   SOLE   0 0 23,261
ISHARES TR CORE 1 5 YR USD 46432F859   247,408 5,202 SH   SOLE   0 0 5,202
ISHARES TR CORE DIV GRWTH 46434V621   1,304,548 24,239 SH   SOLE   0 0 24,239
ISHARES TR CORE HIGH DV ETF 46429B663   1,375,744 13,489 SH   SOLE   0 0 13,489
ISHARES TR CORE INTL AGGR 46435G672   1,658,289 33,299 SH   SOLE   0 0 33,299
ISHARES TR CORE MSCI EAFE 46432F842   7,962,318 113,181 SH   SOLE   0 0 113,181
ISHARES TR CORE MSCI EURO 46434V738   661,614 12,025 SH   SOLE   0 0 12,025
ISHARES TR CORE MSCI INTL 46435G326   7,387,390 116,044 SH   SOLE   0 0 116,044
ISHARES TR CORE MSCI TOTAL 46432F834   212,451 3,272 SH   SOLE   0 0 3,272
ISHARES TR CORE S&P MCP ETF 464287507   1,111,372 4,010 SH   SOLE   0 0 4,010
ISHARES TR CORE S&P SCP ETF 464287804   3,538,406 32,687 SH   SOLE   0 0 32,687
ISHARES TR CORE S&P TTL STK 464287150   6,646,734 63,164 SH   SOLE   0 0 63,164
ISHARES TR CORE S&P500 ETF 464287200   9,810,923 20,541 SH   SOLE   0 0 20,541
ISHARES TR CORE TOTAL USD 46434V613   2,037,167 44,219 SH   SOLE   0 0 44,219
ISHARES TR CORE US AGGBD ET 464287226   11,124,391 112,085 SH   SOLE   0 0 112,085
ISHARES TR ESG AWR MSCI USA 46435G425   280,391 2,672 SH   SOLE   0 0 2,672
ISHARES TR EXPANDED TECH 464287515   200,792 495 SH   SOLE   0 0 495
ISHARES TR EXPND TEC SC ETF 464287549   280,468 626 SH   SOLE   0 0 626
ISHARES TR EXPONENTIAL TECH 46434V381   548,406 9,160 SH   SOLE   0 0 9,160
ISHARES TR FALN ANGLS USD 46435G474   288,552 10,930 SH   SOLE   0 0 10,930
ISHARES TR FLTG RATE NT ETF 46429B655   357,670 7,066 SH   SOLE   0 0 7,066
ISHARES TR GLB CNS DISC ETF 464288745   349,256 2,196 SH   SOLE   0 0 2,196
ISHARES TR GLB CNSM STP ETF 464288737   975,053 16,445 SH   SOLE   0 0 16,445
ISHARES TR GLB INFRASTR ETF 464288372   450,133 9,567 SH   SOLE   0 0 9,567
ISHARES TR GLOB HLTHCRE ETF 464287325   548,774 6,328 SH   SOLE   0 0 6,328
ISHARES TR GLOB INDSTRL ETF 464288729   794,595 6,236 SH   SOLE   0 0 6,236
ISHARES TR GLOBAL MATER ETF 464288695   200,692 2,300 SH   SOLE   0 0 2,300
ISHARES TR GLOBAL TECH ETF 464287291   1,238,627 18,167 SH   SOLE   0 0 18,167
ISHARES TR IBONDS 27 ETF 46435UAA9   238,822 9,980 SH   SOLE   0 0 9,980
ISHARES TR IBONDS DEC2026 46435GAA0   250,807 10,494 SH   SOLE   0 0 10,494
ISHARES TR IBONDS DEC24 ETF 46434VBG4   550,337 22,093 SH   SOLE   0 0 22,093
ISHARES TR IBONDS DEC25 ETF 46434VBD1   551,851 22,288 SH   SOLE   0 0 22,288
ISHARES TR IBOXX HI YD ETF 464288513   744,907 9,625 SH   SOLE   0 0 9,625
ISHARES TR IBOXX INV CP ETF 464287242   1,007,272 9,102 SH   SOLE   0 0 9,102
ISHARES TR ISHARES BIOTECH 464287556   1,710,770 12,593 SH   SOLE   0 0 12,593
ISHARES TR ISHARES SEMICDTR 464287523   469,522 815 SH   SOLE   0 0 815
ISHARES TR ISHS 1-5YR INVS 464288646   9,388,501 183,101 SH   SOLE   0 0 183,101
ISHARES TR ISHS 5-10YR INVT 464288638   4,605,678 88,571 SH   SOLE   0 0 88,571
ISHARES TR JPMORGAN USD EMG 464288281   1,540,590 17,298 SH   SOLE   0 0 17,298
ISHARES TR MSCI EAFE ETF 464287465   981,872 13,031 SH   SOLE   0 0 13,031
ISHARES TR MSCI EAFE MIN VL 46429B689   603,600 8,705 SH   SOLE   0 0 8,705
ISHARES TR MSCI EMG MKT ETF 464287234   667,750 16,607 SH   SOLE   0 0 16,607
ISHARES TR MSCI USA MIN VOL 46429B697   2,207,007 28,284 SH   SOLE   0 0 28,284
ISHARES TR MSCI USA SMCP MN 46435G433   695,777 19,495 SH   SOLE   0 0 19,495
ISHARES TR MSCI USA VALUE 46432F388   468,371 4,630 SH   SOLE   0 0 4,630
ISHARES TR NATIONAL MUN ETF 464288414   5,805,886 53,555 SH   SOLE   0 0 53,555
ISHARES TR PFD AND INCM SEC 464288687   1,238,299 39,702 SH   SOLE   0 0 39,702
ISHARES TR RUS 1000 GRW ETF 464287614   287,709 949 SH   SOLE   0 0 949
ISHARES TR RUS 2000 GRW ETF 464287648   370,764 1,470 SH   SOLE   0 0 1,470
ISHARES TR RUS 2000 VAL ETF 464287630   516,007 3,322 SH   SOLE   0 0 3,322
ISHARES TR RUS MDCP VAL ETF 464287473   268,747 2,311 SH   SOLE   0 0 2,311
ISHARES TR RUS MID CAP ETF 464287499   1,048,112 13,484 SH   SOLE   0 0 13,484
ISHARES TR RUSSELL 2000 ETF 464287655   1,455,549 7,252 SH   SOLE   0 0 7,252
ISHARES TR S&P 500 GRWT ETF 464287309   4,608,196 61,361 SH   SOLE   0 0 61,361
ISHARES TR S&P 500 VAL ETF 464287408   1,610,048 9,259 SH   SOLE   0 0 9,259
ISHARES TR S&P MC 400VL ETF 464287705   255,995 2,245 SH   SOLE   0 0 2,245
ISHARES TR S&P SML 600 GWT 464287887   952,441 7,611 SH   SOLE   0 0 7,611
ISHARES TR SELECT DIVID ETF 464287168   1,556,213 13,276 SH   SOLE   0 0 13,276
ISHARES TR SHORT TREAS BD 464288679   517,518 4,699 SH   SOLE   0 0 4,699
ISHARES TR SHRT NAT MUN ETF 464288158   334,319 3,171 SH   SOLE   0 0 3,171
ISHARES TR SP SMCP600VL ETF 464287879   976,716 9,476 SH   SOLE   0 0 9,476
ISHARES TR TIPS BD ETF 464287176   1,376,582 12,807 SH   SOLE   0 0 12,807
ISHARES TR U.S. BAS MTL ETF 464287838   440,040 3,185 SH   SOLE   0 0 3,185
ISHARES TR U.S. FIXED INCME 46435U796   337,915 3,916 SH   SOLE   0 0 3,916
ISHARES TR U.S. TECH ETF 464287721   1,190,184 9,696 SH   SOLE   0 0 9,696
ISHARES TR US AER DEF ETF 464288760   770,386 6,085 SH   SOLE   0 0 6,085
ISHARES TR US CONSM STAPLES 464287812   439,880 2,295 SH   SOLE   0 0 2,295
ISHARES TR US CONSUM DISCRE 464287580   395,579 5,221 SH   SOLE   0 0 5,221
ISHARES TR US HLTHCARE ETF 464287762   1,381,795 4,827 SH   SOLE   0 0 4,827
ISHARES TR US INDUSTRIALS 464287754   330,764 2,892 SH   SOLE   0 0 2,892
ISHARES TR US INFRASTRUC 46435U713   208,613 5,180 SH   SOLE   0 0 5,180
ISHARES TR USD INV GRDE ETF 464288620   1,173,906 22,901 SH   SOLE   0 0 22,901
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   388,714 7,694 SH   SOLE   0 0 7,694
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   671,471 10,766 SH   SOLE   0 0 10,766
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   960,368 19,119 SH   SOLE   0 0 19,119
JABIL INC COM 466313103   923,141 7,246 SH   SOLE   0 0 7,246
JOHNSON & JOHNSON COM 478160104   2,088,188 13,323 SH   SOLE   0 0 13,323
JPMORGAN CHASE & CO COM 46625H100   952,731 5,601 SH   SOLE   0 0 5,601
LIVE OAK BANCSHARES INC COM 53803X105   428,519 9,418 SH   SOLE   0 0 9,418
LOWES COS INC COM 548661107   365,021 1,640 SH   SOLE   0 0 1,640
MCDONALDS CORP COM 580135101   422,722 1,426 SH   SOLE   0 0 1,426
MEDTRONIC PLC SHS G5960L103   208,092 2,526 SH   SOLE   0 0 2,526
MERCK & CO INC COM 58933Y105   1,541,140 14,136 SH   SOLE   0 0 14,136
MICROSOFT CORP COM 594918104   4,163,890 11,073 SH   SOLE   0 0 11,073
MOLSON COORS BEVERAGE CO CL B 60871R209   568,886 9,294 SH   SOLE   0 0 9,294
MONDELEZ INTL INC CL A 609207105   312,743 4,318 SH   SOLE   0 0 4,318
MOODYS CORP COM 615369105   738,159 1,890 SH   SOLE   0 0 1,890
NETFLIX INC COM 64110L106   211,325 434 SH   SOLE   0 0 434
NOVARTIS AG SPONSORED ADR 66987V109   222,034 2,199 SH   SOLE   0 0 2,199
NVIDIA CORPORATION COM 67066G104   3,074,326 6,208 SH   SOLE   0 0 6,208
NXP SEMICONDUCTORS N V COM N6596X109   490,138 2,134 SH   SOLE   0 0 2,134
PALANTIR TECHNOLOGIES INC CL A 69608A108   267,904 15,603 SH   SOLE   0 0 15,603
PEPSICO INC COM 713448108   967,749 5,698 SH   SOLE   0 0 5,698
PFIZER INC COM 717081103   694,991 24,140 SH   SOLE   0 0 24,140
PHILIP MORRIS INTL INC COM 718172109   779,129 8,282 SH   SOLE   0 0 8,282
PINNACLE FINL PARTNERS INC COM 72346Q104   2,238,640 25,667 SH   SOLE   0 0 25,667
POLARIS INC COM 731068102   335,483 3,540 SH   SOLE   0 0 3,540
PROCTER AND GAMBLE CO COM 742718109   1,159,050 7,909 SH   SOLE   0 0 7,909
PROSHARES TR PSHS ULTRA QQQ 74347R206   462,840 6,090 SH   SOLE   0 0 6,090
ROYAL BK CDA COM 780087102   264,860 2,619 SH   SOLE   0 0 2,619
RTX CORPORATION COM 75513E101   507,870 6,036 SH   SOLE   0 0 6,036
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,493,341 181,256 SH   SOLE   0 0 181,256
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,473,083 283,363 SH   SOLE   0 0 283,363
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,505,830 100,482 SH   SOLE   0 0 100,482
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   266,179 4,809 SH   SOLE   0 0 4,809
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   237,860 4,909 SH   SOLE   0 0 4,909
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,452,575 95,508 SH   SOLE   0 0 95,508
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   22,734,794 408,385 SH   SOLE   0 0 408,385
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,782,494 89,091 SH   SOLE   0 0 89,091
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   664,430 8,009 SH   SOLE   0 0 8,009
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   328,559 4,687 SH   SOLE   0 0 4,687
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,645,878 153,296 SH   SOLE   0 0 153,296
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,121,847 107,831 SH   SOLE   0 0 107,831
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,047,247 98,853 SH   SOLE   0 0 98,853
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,682,477 162,627 SH   SOLE   0 0 162,627
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,164,659 22,311 SH   SOLE   0 0 22,311
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   1,561,236 38,972 SH   SOLE   0 0 38,972
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   287,353 2,107 SH   SOLE   0 0 2,107
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,795,913 28,358 SH   SOLE   0 0 28,358
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   239,061 1,242 SH   SOLE   0 0 1,242
SKYWORKS SOLUTIONS INC COM 83088M102   233,609 2,078 SH   SOLE   0 0 2,078
SMARTFINANCIAL INC COM NEW 83190L208   855,632 34,938 SH   SOLE   0 0 34,938
SOUTHERN CO COM 842587107   304,532 4,343 SH   SOLE   0 0 4,343
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   409,297 7,225 SH   SOLE   0 0 7,225
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,850,106 83,802 SH   SOLE   0 0 83,802
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   442,094 12,485 SH   SOLE   0 0 12,485
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,426,514 5,105 SH   SOLE   0 0 5,105
SPDR SER TR PORTFOLIO S&P600 78468R853   19,395,375 459,824 SH   SOLE   0 0 459,824
SPDR SER TR PORTFOLIO SHORT 78464A474   1,783,257 59,881 SH   SOLE   0 0 59,881
SPDR SER TR S&P BIOTECH 78464A870   611,280 6,846 SH   SOLE   0 0 6,846
SPDR SER TR S&P DIVID ETF 78464A763   1,172,037 9,379 SH   SOLE   0 0 9,379
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   620,984 14,810 SH   SOLE   0 0 14,810
STRYKER CORPORATION COM 863667101   243,171 812 SH   SOLE   0 0 812
TESLA INC COM 88160R101   2,047,724 8,241 SH   SOLE   0 0 8,241
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   522,526 17,858 SH   SOLE   0 0 17,858
UNITED PARCEL SERVICE INC CL B 911312106   960,676 6,110 SH   SOLE   0 0 6,110
VANECK ETF TRUST GOLD MINERS ETF 92189F106   722,590 23,302 SH   SOLE   0 0 23,302
VANECK ETF TRUST PREFERRED SECURT 92189F429   580,925 33,814 SH   SOLE   0 0 33,814
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   11,992,135 120,901 SH   SOLE   0 0 120,901
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,803,227 75,347 SH   SOLE   0 0 75,347
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   94,245,193 1,281,376 SH   SOLE   0 0 1,281,376
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   333,909 6,754 SH   SOLE   0 0 6,754
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,384,638 190,107 SH   SOLE   0 0 190,107
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,819,003 11,063 SH   SOLE   0 0 11,063
VANGUARD INDEX FDS GROWTH ETF 922908736   987,599 3,177 SH   SOLE   0 0 3,177
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,999,273 41,253 SH   SOLE   0 0 41,253
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,409,967 10,976 SH   SOLE   0 0 10,976
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,396,395 9,630 SH   SOLE   0 0 9,630
VANGUARD INDEX FDS MID CAP ETF 922908629   17,569,636 75,523 SH   SOLE   0 0 75,523
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   17,390,335 196,812 SH   SOLE   0 0 196,812
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,952,622 4,470 SH   SOLE   0 0 4,470
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,160,900 12,007 SH   SOLE   0 0 12,007
VANGUARD INDEX FDS SMALL CP ETF 922908751   24,667,258 115,630 SH   SOLE   0 0 115,630
VANGUARD INDEX FDS TOTAL STK MKT 922908769   326,564,764 1,376,633 SH   SOLE   0 0 1,376,633
VANGUARD INDEX FDS VALUE ETF 922908744   1,384,242 9,259 SH   SOLE   0 0 9,259
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   36,530,353 650,701 SH   SOLE   0 0 650,701
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   35,064,589 853,153 SH   SOLE   0 0 853,153
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   259,369 3,601 SH   SOLE   0 0 3,601
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,448,678 21,287 SH   SOLE   0 0 21,287
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,178,844 11,458 SH   SOLE   0 0 11,458
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   708,529 14,920 SH   SOLE   0 0 14,920
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,532,397 88,783 SH   SOLE   0 0 88,783
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   52,202,476 642,255 SH   SOLE   0 0 642,255
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,165,576 174,277 SH   SOLE   0 0 174,277
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   34,707,632 448,593 SH   SOLE   0 0 448,593
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   14,291,031 83,868 SH   SOLE   0 0 83,868
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,402,301 24,194 SH   SOLE   0 0 24,194
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   55,227,509 1,152,975 SH   SOLE   0 0 1,152,975
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,905,714 76,952 SH   SOLE   0 0 76,952
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   13,301,885 119,160 SH   SOLE   0 0 119,160
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   441,778 6,644 SH   SOLE   0 0 6,644
VANGUARD WORLD FD ESG INTL STK ETF 921910725   330,051 5,971 SH   SOLE   0 0 5,971
VANGUARD WORLD FD ESG US STK ETF 921910733   3,766,339 44,279 SH   SOLE   0 0 44,279
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   16,902,746 88,515 SH   SOLE   0 0 88,515
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,210,689 10,323 SH   SOLE   0 0 10,323
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   587,726 2,344 SH   SOLE   0 0 2,344
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,248,886 6,713 SH   SOLE   0 0 6,713
VANGUARD WORLD FDS UTILITIES ETF 92204A876   14,547,911 106,135 SH   SOLE   0 0 106,135
VERIZON COMMUNICATIONS INC COM 92343V104   750,995 19,920 SH   SOLE   0 0 19,920
VISA INC COM CL A 92826C839   472,796 1,816 SH   SOLE   0 0 1,816
WALMART INC COM 931142103   955,359 6,060 SH   SOLE   0 0 6,060