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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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 MCP ETF 464287507 1,823 27 SH SOLE 0 0 27
ISHARES TR CORE S&P SCP ETF 464287804 22,697,896 182,591 SH SOLE 0 0 182,591
ISHARES TR S&P 500 VAL ETF 464287408 24,282 115 SH SOLE 0 0 115
ISHARES TR CORE S&P500 ETF 464287200 82,958 127 SH SOLE 0 0 127
ISHARES TR RUS 1000 VAL ETF 464287598 882,030 4,128 SH SOLE 0 0 4,128
ISHARES TR RUS 1000 GRW ETF 464287614 114,702 269 SH SOLE 0 0 269
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,990,914 4,599 SH SOLE 0 0 4,599
AMAZON COM INC COM 023135106 170,365 818 SH SOLE 0 0 818
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 189,763 396 SH SOLE 0 0 396
EMERSON ELEC CO COM 291011104 14,674 112 SH SOLE 0 0 112
AMGEN INC COM 031162100 36,918 105 SH SOLE 0 0 105
ADVANCED MICRO DEVICES INC COM 007903107 67,335 331 SH SOLE 0 0 331
FEDEX CORP COM 31428X106 55,208 155 SH SOLE 0 0 155
INTEL CORP COM 458140100 102,073 2,313 SH SOLE 0 0 2,313
ORACLE CORP COM 68389X105 110,480 751 SH SOLE 0 0 751
DISNEY WALT CO COM 254687106 24,019 249 SH SOLE 0 0 249
JOHNSON & JOHNSON COM 478160104 89,604 367 SH SOLE 0 0 367
PFIZER INC COM 717081103 8,475 302 SH SOLE 0 0 302
LOWES COS INC COM 548661107 333,183 1,410 SH SOLE 0 0 1,410
CHEVRON CORPORATION COM 166764100 148,972 720 SH SOLE 0 0 720
MICROSOFT CORP COM 594918104 211,367 571 SH SOLE 0 0 571
VODAFONE GROUP PLC SPONSORED ADR 92857W308 54,417 3,623 SH SOLE 0 0 3,623
AT&T INC COM 00206R102 16,687 576 SH SOLE 0 0 576
CITIGROUP INC COM NEW 172967424 80,748 712 SH SOLE 0 0 712
COCA COLA CO COM 191216100 16,427 216 SH SOLE 0 0 216
PEPSICO INC COM 713448108 25,002 161 SH SOLE 0 0 161
VERIZON COMMUNICATIONS INC COM 92343V104 19,147 381 SH SOLE 0 0 381
SPDR SERIES TRUST STATE STREET SPD 78464A409 9,297 95 SH SOLE 0 0 95
ISHARES TR U.S. TECH ETF 464287721 188,314 1,038 SH SOLE 0 0 1,038
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 12,391 202 SH SOLE 0 0 202
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,482,871 6,895 SH SOLE 0 0 6,895
SCHWAB CHARLES CORP COM 808513105 56,294 599 SH SOLE 0 0 599
BANK AMERICA CORP COM 060505104 261 5 SH SOLE 0 0 5
STARBUCKS CORP COM 855244109 17,606 197 SH SOLE 0 0 197
AUTOMATIC DATA PROCESSING IN COM 053015103 20,318 100 SH SOLE 0 0 100
AFLAC INC COM 001055102 29,183 266 SH SOLE 0 0 266
WALMART INC COM 931142103 160,073 1,288 SH SOLE 0 0 1,288
APPLIED MATLS INC COM 038222105 51,610 151 SH SOLE 0 0 151
ELEVANCE HEALTH INC FORMERLY COM 036752103 6,733 23 SH SOLE 0 0 23
WABTEC COM 929740108 1,250 5 SH SOLE 0 0 5
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 90,571 268 SH SOLE 0 0 268
CAPITAL ONE FINL CORP COM 14040H105 23,533 129 SH SOLE 0 0 129
COSTCO WHOLESALE CORPORATION COM 22160K105 54,804 55 SH SOLE 0 0 55
ELI LILLY & CO COM 532457108 117,731 128 SH SOLE 0 0 128
SLB LIMITED COM STK 806857108 26,489 515 SH SOLE 0 0 515
MERCK & CO INC COM 58933Y105 43,184 359 SH SOLE 0 0 359
PROCTER & GAMBLE CO COM 742718109 36,543 253 SH SOLE 0 0 253
GE AEROSPACE COM NEW 369604301 135,083 476 SH SOLE 0 0 476
GOLDMAN SACHS GROUP INC COM 38141G104 46,529 55 SH SOLE 0 0 55
HOME DEPOT INC COM 437076102 203,867 620 SH SOLE 0 0 620
ING GROEP N.V. SPONSORED ADR 456837103 27,665 1,062 SH SOLE 0 0 1,062
MCDONALDS CORP COM 580135101 1,554 5 SH SOLE 0 0 5
JPMORGAN CHASE & CO COM 46625H100 129,136 439 SH SOLE 0 0 439
TJX COS INC NEW COM 872540109 35,933 225 SH SOLE 0 0 225
BOOKING HOLDINGS INC COM 09857L108 37,893 9 SH SOLE 0 0 9
CORNING INC COM 219350105 3,315 24 SH SOLE 0 0 24
PROGRESSIVE CORP COM 743315103 23,789 120 SH SOLE 0 0 120
FISERV INC COM 337738108 15,066 270 SH SOLE 0 0 270
FORD MTR CO COM 345370860 750 65 SH SOLE 0 0 65
UNITEDHEALTH GROUP INC COM 91324P102 33,283 123 SH SOLE 0 0 123
SOUTHWEST AIRLS CO COM 844741108 16,510 439 SH SOLE 0 0 439
RTX CORPORATION COM 75513E101 31,269 162 SH SOLE 0 0 162
VANGUARD INDEX FDS TOTAL STK MKT 922908769 854,288 2,663 SH SOLE 0 0 2,663
NORFOLK SOUTHN CORP COM 655844108 53,904 188 SH SOLE 0 0 188
DUKE ENERGY CORP NEW COM NEW 26441C204 35,616 272 SH SOLE 0 0 272
CONOCOPHILLIPS COM 20825C104 36,432 276 SH SOLE 0 0 276
CSX CORP COM 126408103 4,078 99 SH SOLE 0 0 99
APPLE INC COM 037833100 1,076,085 4,240 SH SOLE 0 0 4,240
ALLSTATE CORP COM 020002101 1,244 6 SH SOLE 0 0 6
CATERPILLAR INC COM 149123101 148,957 210 SH SOLE 0 0 210
HALLIBURTON CO COM 406216101 15,440 396 SH SOLE 0 0 396
AMERICAN EXPRESS CO COM 025816109 32,883 109 SH SOLE 0 0 109
CRACKER BARREL OLD CTRY STOR COM 22410J106 2,605 93 SH SOLE 0 0 93
REGIONS FINANCIAL CORP NEW COM 7591EP100 575 22 SH SOLE 0 0 22
SOUTHERN CO COM 842587107 24,651 255 SH SOLE 0 0 255
PNC FINL SVCS GROUP INC COM 693475105 137,339 660 SH SOLE 0 0 660
ISHARES TR CORE US AGGBD ET 464287226 804,186 8,101 SH SOLE 0 0 8,101
ARROW ELECTRS INC COM 042735100 36,426 254 SH SOLE 0 0 254
ISHARES TR SELECT DIVID ETF 464287168 68,286 451 SH SOLE 0 0 451
CARNIVAL CORP COMMON STOCK 143658300 10,352 400 SH SOLE 0 0 400
MOHAWK INDS INC COM 608190104 98,460 1,000 SH SOLE 0 0 1,000
DOLLAR GEN CORP COM 256677105 24,815 209 SH SOLE 0 0 209
NVIDIA CORPORATION COM 67066G104 343,223 1,968 SH SOLE 0 0 1,968
AMERICAN ELEC PWR CO INC COM 025537101 1,966 15 SH SOLE 0 0 15
GALLAGHER ARTHUR J & CO COM 363576109 18,626 86 SH SOLE 0 0 86
UNUM GROUP COM 91529Y106 73,030 1,000 SH SOLE 0 0 1,000
TYSON FOODS INC CL A 902494103 8,919 139 SH SOLE 0 0 139
ALPHABET INC CAP STK CL A 02079K305 295,612 1,028 SH SOLE 0 0 1,028
VANGUARD INDEX FDS VALUE ETF 922908744 40,129 205 SH SOLE 0 0 205
VANGUARD INDEX FDS SM CP VAL ETF 922908611 230 1 SH SOLE 0 0 1
INTUITIVE SURGICAL INC COM NEW 46120E602 34,574 75 SH SOLE 0 0 75
VANGUARD INDEX FDS SMALL CP ETF 922908751 235,237 898 SH SOLE 0 0 898
FASTENAL CO COM 311900104 26,448 570 SH SOLE 0 0 570
VANGUARD INDEX FDS GROWTH ETF 922908736 218,062 499 SH SOLE 0 0 499
VANGUARD WORLD FD FINANCIALS ETF 92204A405 41,877 347 SH SOLE 0 0 347
SPDR SERIES TRUST STATE STREET SPD 78464A763 53,414 366 SH SOLE 0 0 366
CHIPOTLE MEXICAN GRILL INC COM 169656105 4,802 150 SH SOLE 0 0 150
SMARTFINANCIAL INC COM NEW 83190L208 462,553 11,836 SH SOLE 0 0 11,836
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 92,849 2,949 SH SOLE 0 0 2,949
CORCEPT THERAPEUTICS INC COM 218352102 4,031 100 SH SOLE 0 0 100
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,713 49 SH SOLE 0 0 49
PINNACLE FINL PARTNERS INC COM 72348N109 138,145 1,604 SH SOLE 0 0 1,604
RIOT PLATFORMS INC COM 767292105 12,360 1,000 SH SOLE 0 0 1,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 738,295 9,831 SH SOLE 0 0 9,831
ISHARES TR TRUST ISHARE 0-1 464288679 43,052 390 SH SOLE 0 0 390
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,298 31 SH SOLE 0 0 31
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 102,464 692 SH SOLE 0 0 692
IPG PHOTONICS CORP COM 44980X109 1,260 11 SH SOLE 0 0 11
SPDR SERIES TRUST STATE STREET SPD 78464A656 2,076 80 SH SOLE 0 0 80
FIRST TR EXCHANGE-TRADED FD INDLS PROD DUR 33734X150 15,444 189 SH SOLE 0 0 189
ISHARES TR CRE U S REIT ETF 464288521 5,940 100 SH SOLE 0 0 100
VISA INC COM CL A 92826C839 43,825 145 SH SOLE 0 0 145
PHILIP MORRIS INTL INC COM 718172109 46,295 280 SH SOLE 0 0 280
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 5,167 113 SH SOLE 0 0 113
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 5,789 111 SH SOLE 0 0 111
FIRST UTD CORP COM 33741H107 843 23 SH SOLE 0 0 23
WARNER BROS DISCOVERY INC COM SER A 934423104 604 22 SH SOLE 0 0 22
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 50,883,772 614,910 SH SOLE 0 0 614,910
BROADCOM INC COM 11135F101 544,428 1,759 SH SOLE 0 0 1,759
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 157,631,813 6,280,152 SH SOLE 0 0 6,280,152
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 61,154,746 2,470,899 SH SOLE 0 0 2,470,899
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 44,958 1,753 SH SOLE 0 0 1,753
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 21,105 725 SH SOLE 0 0 725
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 698,267 22,894 SH SOLE 0 0 22,894
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 34,570,540 580,530 SH SOLE 0 0 580,530
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 32,528,542 692,834 SH SOLE 0 0 692,834
INVESCO EXCH TRADED FD TR II S&P SMALLCAP ENE 46138G474 7,355 121 SH SOLE 0 0 121
CHORD ENERGY CORPORATION COM NEW 674215207 4,265 30 SH SOLE 0 0 30
TESLA INC COM 88160R101 56,878 153 SH SOLE 0 0 153
GENERAL MTRS CO COM 37045V100 26,448 355 SH SOLE 0 0 355
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 1,239 16 SH SOLE 0 0 16
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 28,559 922 SH SOLE 0 0 922
ISHARES TR MSCI CHINA ETF 46429B671 6,011 107 SH SOLE 0 0 107
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 47,587,136 1,551,080 SH SOLE 0 0 1,551,080
CAPRI HOLDINGS LIMITED SHS G1890L107 7,048 400 SH SOLE 0 0 400
PHILLIPS 66 COM 718546104 14,210 78 SH SOLE 0 0 78
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 2,680 54 SH SOLE 0 0 54
META PLATFORMS INC CL A 30303M102 22,313 39 SH SOLE 0 0 39
MARA HOLDINGS INC COM 565788106 8,160 1,000 SH SOLE 0 0 1,000
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 10,067 361 SH SOLE 0 0 361
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 15,036 214 SH SOLE 0 0 214
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 18,119 87 SH SOLE 0 0 87
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 5,467 63 SH SOLE 0 0 63
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 8,543 122 SH SOLE 0 0 122
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 2,836 42 SH SOLE 0 0 42
ALPHABET INC CAP STK CL C 02079K107 87,492 305 SH SOLE 0 0 305
ARK ETF TR INNOVATION ETF 00214Q104 7,232 107 SH SOLE 0 0 107
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,000,291 20,050 SH SOLE 0 0 20,050
CHARTER COMMUNICATIONS INC CL A 16119P108 864 4 SH SOLE 0 0 4
PACER FDS TR US CASH COWS 100 69374H881 8,461 135 SH SOLE 0 0 135
RAMACO RES INC COM CL A 75134P600 464 30 SH SOLE 0 0 30
BIT DIGITAL INC SHS G1144A105 1,310 1,000 SH SOLE 0 0 1,000
WORLD GOLD TR SPDR GLD MINIS 98149E303 49,496 534 SH SOLE 0 0 534
CHEWY INC CL A 16679L109 270 10 SH SOLE 0 0 10
GRAYSCALE ETHEREUM STAKING E SHS 389638107 819 48 SH SOLE 0 0 48
BILL HOLDINGS INC COM 090043100 76,600 2,000 SH SOLE 0 0 2,000
CARRIER GLOBAL CORPORATION COM 14448C104 1,031 18 SH SOLE 0 0 18
OTIS WORLDWIDE CORP COM 68902V107 675 9 SH SOLE 0 0 9
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 18,527 148 SH SOLE 0 0 148
PALANTIR TECHNOLOGIES INC CL A 69608A108 117,024 800 SH SOLE 0 0 800
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 238 1 SH SOLE 0 0 1
VIATRIS INC COM 92556V106 436 32 SH SOLE 0 0 32
JOBY AVIATION INC COMMON STOCK G65163100 1,123 136 SH SOLE 0 0 136
REDWIRE CORPORATION COM 75776W103 1,275 150 SH SOLE 0 0 150
KRISPY KREME INC COM 50101L106 10 3 SH SOLE 0 0 3
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 11,084 156 SH SOLE 0 0 156
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 52,260 2,010 SH SOLE 0 0 2,010
GE VERNOVA INC COM 36828A101 100,384 115 SH SOLE 0 0 115