The Securities and Exchange Commission has not necessarily
reviewed the information in this filing and has not determined
if it is accurate and complete.
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
| ISHARES TR | CORE S&P SCP ETF | 464287804 | 18,473,896 | 169,036 | SH | SOLE | 0 | 0 | 169,036 | ||
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | 821,204 | 4,228 | SH | SOLE | 0 | 0 | 4,228 | ||
| SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 3,232,591 | 5,232 | SH | SOLE | 0 | 0 | 5,232 | ||
| LOWES COS INC | COM | 548661107 | 210,970 | 951 | SH | SOLE | 0 | 0 | 951 | ||
| MICROSOFT CORP | COM | 594918104 | 259,648 | 522 | SH | SOLE | 0 | 0 | 522 | ||
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 1,161,087 | 5,673 | SH | SOLE | 0 | 0 | 5,673 | ||
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,181,570 | 3,888 | SH | SOLE | 0 | 0 | 3,888 | ||
| APPLE INC | COM | 037833100 | 727,393 | 3,545 | SH | SOLE | 0 | 0 | 3,545 | ||
| ISHARES TR | CORE US AGGBD ET | 464287226 | 896,272 | 9,035 | SH | SOLE | 0 | 0 | 9,035 | ||
| NVIDIA CORPORATION | COM | 67066G104 | 256,260 | 1,622 | SH | SOLE | 0 | 0 | 1,622 | ||
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 200,260 | 716 | SH | SOLE | 0 | 0 | 716 | ||
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 209,939 | 886 | SH | SOLE | 0 | 0 | 886 | ||
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 202,208 | 461 | SH | SOLE | 0 | 0 | 461 | ||
| SMARTFINANCIAL INC | COM NEW | 83190L208 | 397,294 | 11,761 | SH | SOLE | 0 | 0 | 11,761 | ||
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 665,429 | 9,899 | SH | SOLE | 0 | 0 | 9,899 | ||
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | 46,812,382 | 564,549 | SH | SOLE | 0 | 0 | 564,549 | ||
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 147,036,809 | 6,170,240 | SH | SOLE | 0 | 0 | 6,170,240 | ||
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 53,476,883 | 2,419,768 | SH | SOLE | 0 | 0 | 2,419,768 | ||
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 32,478,745 | 543,032 | SH | SOLE | 0 | 0 | 543,032 | ||
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | 29,925,162 | 645,774 | SH | SOLE | 0 | 0 | 645,774 | ||
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 38,276,316 | 1,444,389 | SH | SOLE | 0 | 0 | 1,444,389 | ||
| SCHWAB STRATEGIC TR | HIGH YIELD BD ET | 808524631 | 583,880 | 22,000 | SH | SOLE | 0 | 0 | 22,000 | ||