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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
OMB Number: 3235-0006
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR S&P 500 ETF TR TR UNIT 78462F103 34,449 76,275 SH   SOLE   0 0 76,275
APPLE INC COM 037833100 700 4,009 SH   SOLE   0 0 4,009
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 108,122 2,025,145 SH   SOLE   0 0 2,025,145
ISHARES TR CORE S&P SCP ETF 464287804 15,127 140,224 SH   SOLE   0 0 140,224
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 474 8,226 SH   SOLE   0 0 8,226
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,650 998,092 SH   SOLE   0 0 998,092
ISHARES TR RUS 1000 VAL ETF 464287598 809 4,873 SH   SOLE   0 0 4,873
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,185 7,310 SH   SOLE   0 0 7,310
VANGUARD INDEX FDS TOTAL STK MKT 922908769 919 4,038 SH   SOLE   0 0 4,038
ISHARES TR CORE US AGGBD ET 464287226 84,998 793,634 SH   SOLE   0 0 793,634
TESLA INC COM 88160R101 440 408 SH   SOLE   0 0 408
SMARTFINANCIAL INC COM NEW 83190L208 290 11,320 SH   SOLE   0 0 11,320
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 484 9,391 SH   SOLE   0 0 9,391