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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 28,547 75,670 SH   SOLE   0 0 75,670
APPLE INC COM 037833100 570 4,166 SH   SOLE   0 0 4,166
ISHARES TR CORE S&P SCP ETF 464287804 13,032 141,024 SH   SOLE   0 0 141,024
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 90,127 2,039,533 SH   SOLE   0 0 2,039,533
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 396 7,935 SH   SOLE   0 0 7,935
ISHARES TR RUS 1000 VAL ETF 464287598 830 5,722 SH   SOLE   0 0 5,722
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,104 7,697 SH   SOLE   0 0 7,697
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,714 1,008,388 SH   SOLE   0 0 1,008,388
VANGUARD INDEX FDS TOTAL STK MKT 922908769 765 4,054 SH   SOLE   0 0 4,054
ISHARES TR CORE US AGGBD ET 464287226 80,316 789,891 SH   SOLE   0 0 789,891
TESLA INC COM 88160R101 271 402 SH   SOLE   0 0 402
SMARTFINANCIAL INC COM NEW 83190L208 274 11,350 SH   SOLE   0 0 11,350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 469 9,391 SH   SOLE   0 0 9,391