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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   31,822,712 396,693 SH   SOLE   0 0 396,693
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   21,195,053 455,318 SH   SOLE   0 0 455,318
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,024,767 396,730 SH   SOLE   0 0 396,730
VANGUARD INDEX FDS TOTAL STK MKT 922908769   825,658 4,045 SH   SOLE   0 0 4,045
ISHARES TR CORE US AGGBD ET 464287226   2,581,973 25,913 SH   SOLE   0 0 25,913
ISHARES TR CORE S&P SCP ETF 464287804   14,475,767 149,698 SH   SOLE   0 0 149,698
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   23,340,150 389,262 SH   SOLE   0 0 389,262
TESLA INC COM 88160R101   349,985 1,687 SH   SOLE   0 0 1,687
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   933,826 6,063 SH   SOLE   0 0 6,063
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   37,427,161 1,075,493 SH   SOLE   0 0 1,075,493
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   432,967 8,097 SH   SOLE   0 0 8,097
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   101,865,479 2,128,850 SH   SOLE   0 0 2,128,850
ISHARES TR RUS 1000 VAL ETF 464287598   716,383 4,705 SH   SOLE   0 0 4,705
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,406,668 8,321 SH   SOLE   0 0 8,321
SMARTFINANCIAL INC COM NEW 83190L208   264,777 11,442 SH   SOLE   0 0 11,442
APPLE INC COM 037833100   705,566 4,279 SH   SOLE   0 0 4,279