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

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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
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 32,332 1,525,269 SH   SOLE   1,525,269 0 0
ISHARES TR CORE S&P500 ETF 464287200 659,467 1,962,345 SH   SOLE   1,962,345 0 0
ISHARES TR JPMORGAN USD EMG 464288281 218,675 1,971,995 SH   SOLE   1,971,995 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,439 51,500 SH   SOLE   51,500 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 515,337 8,833,322 SH   SOLE   8,833,322 0 0
ISHARES TR BROAD USD HIGH 46435U853 147,442 3,735,502 SH   SOLE   3,735,502 0 0
PREMIER INC CL A 74051N102 117,091 3,566,582 SH   SOLE   3,566,582 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 1,188 20,973 SH   SOLE   20,973 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,632 44,864 SH   SOLE   44,864 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,767 34,287 SH   SOLE   34,287 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 96,560 1,566,772 SH   SOLE   1,566,772 0 0
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 1,129 66,000 SH   SOLE   66,000 0 0