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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
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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 25,305,612 186,016 SH SOLE 0 0 186,016
ISHARES TR RUS 1000 VAL ETF 464287598 1,047,417 4,225 SH SOLE 0 0 4,225
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,646,134 4,781 SH SOLE 0 0 4,781
AMAZON COM INC COM 023135106 203,805 818 SH SOLE 0 0 818
ADVANCED MICRO DEVICES INC COM 007903107 202,493 331 SH SOLE 0 0 331
INTEL CORP COM 458140100 278,092 2,313 SH SOLE 0 0 2,313
LOWES COS INC COM 548661107 259,905 1,410 SH SOLE 0 0 1,410
MICROSOFT CORP COM 594918104 292,866 571 SH SOLE 0 0 571
ISHARES TR U.S. TECH ETF 464287721 274,966 1,038 SH SOLE 0 0 1,038
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,611,351 6,906 SH SOLE 0 0 6,906
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 236,306 518 SH SOLE 0 0 518
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,001,746 2,677 SH SOLE 0 0 2,677
APPLE INC COM 037833100 1,412,805 4,242 SH SOLE 0 0 4,242
ISHARES TR CORE US AGGBD ET 464287226 761,803 8,058 SH SOLE 0 0 8,058
NVIDIA CORPORATION COM 67066G104 769,371 3,369 SH SOLE 0 0 3,369
ALPHABET INC CAP STK CL A 02079K305 353,714 1,028 SH SOLE 0 0 1,028
VANGUARD INDEX FDS VALUE ETF 922908744 242,983 1,125 SH SOLE 0 0 1,125
VANGUARD INDEX FDS SMALL CP ETF 922908751 257,019 903 SH SOLE 0 0 903
VANGUARD INDEX FDS GROWTH ETF 922908736 328,792 3,649 SH SOLE 0 0 3,649
SMARTFINANCIAL INC COM NEW 83190L208 589,011 11,882 SH SOLE 0 0 11,882
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 821,405 9,900 SH SOLE 0 0 9,900
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 50,229,326 641,417 SH SOLE 0 0 641,417
BROADCOM INC COM 11135F101 705,541 2,009 SH SOLE 0 0 2,009
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 182,903,518 6,240,311 SH SOLE 0 0 6,240,311
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 66,968,098 2,437,863 SH SOLE 0 0 2,437,863
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,590,517 197,854 SH SOLE 0 0 197,854
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 34,828,063 614,685 SH SOLE 0 0 614,685
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 32,206,879 725,217 SH SOLE 0 0 725,217
TESLA INC COM 88160R101 408,032 1,150 SH SOLE 0 0 1,150
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 234,087 334 SH SOLE 0 0 334
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 50,952,218 1,566,315 SH SOLE 0 0 1,566,315