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
ISHARES TR CORE S&P SCP ETF 464287804 27,560,379 185,830 SH SOLE 0 0 185,830
ISHARES TR RUS 1000 VAL ETF 464287598 1,000,751 4,128 SH SOLE 0 0 4,128
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,388,842 4,538 SH SOLE 0 0 4,538
INTEL CORP COM 458140100 322,964 2,313 SH SOLE 0 0 2,313
LOWES COS INC COM 548661107 310,937 1,410 SH SOLE 0 0 1,410
MICROSOFT CORP COM 594918104 212,994 571 SH SOLE 0 0 571
ISHARES TR U.S. TECH ETF 464287721 261,815 1,038 SH SOLE 0 0 1,038
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,628,666 6,883 SH SOLE 0 0 6,883
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 247,381 518 SH SOLE 0 0 518
HOME DEPOT INC COM 437076102 218,902 621 SH SOLE 0 0 621
VANGUARD INDEX FDS TOTAL STK MKT 922908769 988,077 2,670 SH SOLE 0 0 2,670
APPLE INC COM 037833100 1,227,246 4,241 SH SOLE 0 0 4,241
CATERPILLAR INC COM 149123101 224,078 210 SH SOLE 0 0 210
ISHARES TR CORE US AGGBD ET 464287226 801,837 8,101 SH SOLE 0 0 8,101
NVIDIA CORPORATION COM 67066G104 674,067 3,369 SH SOLE 0 0 3,369
ALPHABET INC CAP STK CL A 02079K305 367,376 1,028 SH SOLE 0 0 1,028
VANGUARD INDEX FDS VALUE ETF 922908744 202,357 929 SH SOLE 0 0 929
VANGUARD INDEX FDS SMALL CP ETF 922908751 273,041 901 SH SOLE 0 0 901
VANGUARD INDEX FDS GROWTH ETF 922908736 259,280 3,010 SH SOLE 0 0 3,010
SMARTFINANCIAL INC COM NEW 83190L208 556,572 11,862 SH SOLE 0 0 11,862
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 827,221 9,877 SH SOLE 0 0 9,877
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 52,710,512 637,756 SH SOLE 0 0 637,756
BROADCOM INC COM 11135F101 758,900 2,009 SH SOLE 0 0 2,009
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 182,463,343 6,300,530 SH SOLE 0 0 6,300,530
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 68,650,802 2,478,368 SH SOLE 0 0 2,478,368
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,291,125 65,818 SH SOLE 0 0 65,818
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 35,465,161 601,308 SH SOLE 0 0 601,308
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 33,443,218 714,446 SH SOLE 0 0 714,446
TESLA INC COM 88160R101 483,690 1,150 SH SOLE 0 0 1,150
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 49,725,640 1,568,137 SH SOLE 0 0 1,568,137
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,014,125 20,050 SH SOLE 0 0 20,050