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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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 32,679 76,149 SH   SOLE   0 0 76,149
APPLE INC COM 037833100 567 4,004 SH   SOLE   0 0 4,004
ISHARES TR CORE S&P SCP ETF 464287804 14,560 133,349 SH   SOLE   0 0 133,349
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 102,989 991,618 SH   SOLE   0 0 991,618
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 647 10,617 SH   SOLE   0 0 10,617
ISHARES TR RUS 1000 VAL ETF 464287598 757 4,836 SH   SOLE   0 0 4,836
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,155 7,518 SH   SOLE   0 0 7,518
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,131 933,609 SH   SOLE   0 0 933,609
VANGUARD INDEX FDS MID CAP ETF 922908629 204 861 SH   SOLE   0 0 861
VANGUARD INDEX FDS SMALL CP ETF 922908751 342 1,563 SH   SOLE   0 0 1,563
VANGUARD INDEX FDS TOTAL STK MKT 922908769 891 4,011 SH   SOLE   0 0 4,011
ISHARES TR CORE US AGGBD ET 464287226 89,137 776,248 SH   SOLE   0 0 776,248
TESLA INC COM 88160R101 297 383 SH   SOLE   0 0 383
SMARTFINANCIAL INC COM NEW 83190L208 291 11,263 SH   SOLE   0 0 11,263
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 257 4,699 SH   SOLE   0 0 4,699