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
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
3M CO COM 88579Y101 1,731 11,096 SH   SOLE   1,130 0 9,966
ABBOTT LABS COM 002824100 1,769 19,351 SH   SOLE   2,854 0 16,497
ABBVIE INC COM 00287Y109 1,741 17,728 SH   SOLE   1,238 0 16,490
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,176 5,475 SH   SOLE   1,020 0 4,455
ALLSTATE CORP COM 020002101 718 7,403 SH   SOLE   225 0 7,178
ALPHABET INC CAP STK CL C 02079K107 3,598 2,545 SH   SOLE   170 0 2,375
ALPHABET INC CAP STK CL A 02079K305 1,266 893 SH   SOLE   115 0 778
ALPS ETF TR ALERIAN MLP 00162Q452 259 10,511 SH   SOLE   275 0 10,236
ALTRIA GROUP INC COM 02209S103 233 5,945 SH   SOLE   0 0 5,945
AMAZON COM INC COM 023135106 806 292 SH   SOLE   0 0 292
AMGEN INC COM 031162100 529 2,242 SH   SOLE   0 0 2,242
APPLE INC COM 037833100 13,991 38,353 SH   SOLE   1,262 0 37,091
AT&T INC COM 00206R102 6,887 227,821 SH   SOLE   9,096 0 218,725
AUTOMATIC DATA PROCESSING IN COM 053015103 856 5,748 SH   SOLE   800 0 4,948
BAXTER INTL INC COM 071813109 916 10,643 SH   SOLE   675 0 9,968
BECTON DICKINSON & CO COM 075887109 718 3,001 SH   SOLE   75 0 2,926
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,053 17,104 SH   SOLE   1,590 0 15,514
BK OF AMERICA CORP COM 060505104 524 22,061 SH   SOLE   3,448 0 18,613
BLACKROCK INC COM 09247X101 615 1,130 SH   SOLE   170 0 960
BRISTOL-MYERS SQUIBB CO COM 110122108 1,367 23,251 SH   SOLE   1,295 0 21,956
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 4,459 108,454 SH   SOLE   4,911 0 103,543
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 537 11,795 SH   SOLE   511 0 11,284
BROWN FORMAN CORP CL B 115637209 553 8,690 SH   SOLE   0 0 8,690
CAL MAINE FOODS INC COM NEW 128030202 414 9,300 SH   SOLE   0 0 9,300
CAPSTAR FINL HLDGS INC COM 14070T102 573 47,713 SH   SOLE   0 0 47,713
CHART INDS INC COM PAR $0.01 16115Q308 345 7,121 SH   SOLE   0 0 7,121
CHEVRON CORP NEW COM 166764100 4,127 46,255 SH   SOLE   2,700 0 43,555
CHUBB LIMITED COM H1467J104 987 7,792 SH   SOLE   0 0 7,792
CISCO SYS INC COM 17275R102 1,828 39,187 SH   SOLE   2,250 0 36,937
CLOROX CO DEL COM 189054109 537 2,448 SH   SOLE   0 0 2,448
COCA COLA CO COM 191216100 1,411 31,574 SH   SOLE   1,315 0 30,259
COLGATE PALMOLIVE CO COM 194162103 256 3,501 SH   SOLE   175 0 3,326
COSTCO WHSL CORP NEW COM 22160K105 2,146 7,077 SH   SOLE   515 0 6,562
CSX CORP COM 126408103 1,129 16,186 SH   SOLE   0 0 16,186
DANAHER CORPORATION COM 235851102 2,538 14,354 SH   SOLE   1,869 0 12,485
DELTA AIR LINES INC DEL COM NEW 247361702 380 13,559 SH   SOLE   100 0 13,459
DIAGEO P L C SPON ADR NEW 25243Q205 1,555 11,574 SH   SOLE   1,015 0 10,559
DISNEY WALT CO COM DISNEY 254687106 863 7,739 SH   SOLE   125 0 7,614
DUKE ENERGY CORP NEW COM NEW 26441C204 8,714 109,070 SH   SOLE   5,744 0 103,326
ECOLAB INC COM 278865100 791 3,975 SH   SOLE   950 0 3,025
EMERSON ELEC CO COM 291011104 3,524 56,809 SH   SOLE   5,565 0 51,244
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 264 36,147 SH   SOLE   0 0 36,147
ENTERPRISE PRODS PARTNERS L COM 293792107 2,882 158,586 SH   SOLE   6,525 0 152,061
EXXON MOBIL CORP COM 30231G102 3,450 77,138 SH   SOLE   4,262 0 72,876
FACEBOOK INC CL A 30303M102 560 2,467 SH   SOLE   0 0 2,467
FEDEX CORP COM 31428X106 315 2,250 SH   SOLE   0 0 2,250
FIRST HORIZON NATL CORP COM 320517105 942 94,567 SH   SOLE   0 0 94,567
FORTIVE CORP COM 34959J108 243 3,587 SH   SOLE   300 0 3,287
GENERAL DYNAMICS CORP COM 369550108 278 1,857 SH   SOLE   0 0 1,857
GRAN TIERRA ENERGY INC COM 38500T101 7 19,000 SH   SOLE   0 0 19,000
HASBRO INC COM 418056107 1,767 23,573 SH   SOLE   1,125 0 22,448
HCA HEALTHCARE INC COM 40412C101 4,347 44,785 SH   SOLE   0 0 44,785
HOME DEPOT INC COM 437076102 1,199 4,787 SH   SOLE   0 0 4,787
HONEYWELL INTL INC COM 438516106 768 5,310 SH   SOLE   0 0 5,310
ILLINOIS TOOL WKS INC COM 452308109 309 1,767 SH   SOLE   0 0 1,767
INTEL CORP COM 458140100 4,793 80,104 SH   SOLE   7,025 0 73,079
INTL FCSTONE INC COM 46116V105 2,564 46,622 SH   SOLE   0 0 46,622
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,147 43,221 SH   SOLE   600 0 42,621
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 393 11,354 SH   SOLE   0 0 11,354
INVESCO QQQ TR UNIT SER 1 46090E103 2,270 9,167 SH   SOLE   850 0 8,317
ISHARES INC MIN VOL EMRG MKT 464286533 644 12,383 SH   SOLE   1,075 0 11,308
ISHARES INC CORE MSCI EMKT 46434G103 6,157 129,353 SH   SOLE   4,940 0 124,413
ISHARES TR SELECT DIVID ETF 464287168 238 2,946 SH   SOLE   0 0 2,946
ISHARES TR TIPS BD ETF 464287176 4,625 37,605 SH   SOLE   2,900 0 34,705
ISHARES TR CORE S&P500 ETF 464287200 306 988 SH   SOLE   0 0 988
ISHARES TR 1 3 YR TREAS BD 464287457 776 8,963 SH   SOLE   0 0 8,963
ISHARES TR MSCI EAFE ETF 464287465 807 13,253 SH   SOLE   0 0 13,253
ISHARES TR RUS 1000 VAL ETF 464287598 508 4,508 SH   SOLE   0 0 4,508
ISHARES TR RUS 1000 GRW ETF 464287614 686 3,575 SH   SOLE   0 0 3,575
ISHARES TR RUSSELL 2000 ETF 464287655 491 3,430 SH   SOLE   0 0 3,430
ISHARES TR MSCI ACWI EX US 464288240 329 7,600 SH   SOLE   0 0 7,600
ISHARES TR SH TR CRPORT ETF 464288646 920 16,812 SH   SOLE   500 0 16,312
ISHARES TR SHORT TREAS BD 464288679 12,405 112,018 SH   SOLE   9,100 0 102,918
ISHARES TR A RATE CP BD ETF 46429B291 217 3,757 SH   SOLE   300 0 3,457
ISHARES TR FLTG RATE NT ETF 46429B655 237 4,675 SH   SOLE   0 0 4,675
ISHARES TR MIN VOL EAFE ETF 46429B689 3,666 55,502 SH   SOLE   1,778 0 53,724
ISHARES TR USA QUALITY FCTR 46432F339 3,848 40,115 SH   SOLE   555 0 39,560
ISHARES TR INTL QLTY FACTOR 46434V456 2,774 94,306 SH   SOLE   4,600 0 89,706
ISHARES TR TRS FLT RT BD 46434V860 1,153 22,925 SH   SOLE   1,750 0 21,175
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 301 5,928 SH   SOLE   0 0 5,928
JOHNSON & JOHNSON COM 478160104 6,902 49,077 SH   SOLE   2,803 0 46,274
JPMORGAN CHASE & CO COM 46625H100 3,732 39,679 SH   SOLE   3,313 0 36,366
KIMBERLY CLARK CORP COM 494368103 1,898 13,429 SH   SOLE   600 0 12,829
KOSMOS ENERGY LTD COM 500688106 100 60,186 SH   SOLE   0 0 60,186
L3HARRIS TECHNOLOGIES INC COM 502431109 374 2,205 SH   SOLE   0 0 2,205
LILLY ELI & CO COM 532457108 793 4,831 SH   SOLE   112 0 4,719
LIQTECH INTL INC COM 53632A201 147 27,008 SH   SOLE   0 0 27,008
LOCKHEED MARTIN CORP COM 539830109 1,482 4,060 SH   SOLE   75 0 3,985
LOWES COS INC COM 548661107 372 2,755 SH   SOLE   550 0 2,205
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,128 17,160 SH   SOLE   725 0 16,435
M & T BK CORP COM 55261F104 2,018 19,407 SH   SOLE   1,610 0 17,797
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 410 9,500 SH   SOLE   1,500 0 8,000
MCDONALDS CORP COM 580135101 3,305 17,917 SH   SOLE   1,455 0 16,462
MERCK & CO. INC COM 58933Y105 4,672 60,410 SH   SOLE   4,800 0 55,610
MFS INTER INCOME TR SH BEN INT 55273C107 37 10,000 SH   SOLE   0 0 10,000
MICROCHIP TECHNOLOGY INC. COM 595017104 638 6,059 SH   SOLE   200 0 5,859
MICROSOFT CORP COM 594918104 12,465 61,248 SH   SOLE   4,180 0 57,068
MONDELEZ INTL INC CL A 609207105 763 14,930 SH   SOLE   2,675 0 12,255
MOODYS CORP COM 615369105 220 800 SH   SOLE   0 0 800
MORGAN STANLEY COM NEW 617446448 349 7,234 SH   SOLE   0 0 7,234
NET 1 UEPS TECHNOLOGIES INC COM NEW 64107N206 76 25,000 SH   SOLE   0 0 25,000
NEXTERA ENERGY INC COM 65339F101 275 1,146 SH   SOLE   0 0 1,146
NIKE INC CL B 654106103 2,328 23,745 SH   SOLE   1,950 0 21,795
NOVARTIS AG SPONSORED ADR 66987V109 3,049 34,908 SH   SOLE   2,925 0 31,983
NOVO-NORDISK A S ADR 670100205 1,301 19,867 SH   SOLE   0 0 19,867
NUCOR CORP COM 670346105 920 22,211 SH   SOLE   625 0 21,586
OGE ENERGY CORP COM 670837103 3,742 123,255 SH   SOLE   5,775 0 117,480
ORACLE CORP COM 68389X105 860 15,556 SH   SOLE   1,100 0 14,456
OTIS WORLDWIDE CORP COM 68902V107 218 3,839 SH   SOLE   574 0 3,265
PAYCHEX INC COM 704326107 4,465 58,946 SH   SOLE   4,615 0 54,331
PEPSICO INC COM 713448108 4,844 36,626 SH   SOLE   3,592 0 33,034
PFIZER INC COM 717081103 2,678 81,900 SH   SOLE   3,535 0 78,365
PINNACLE FINL PARTNERS INC COM 72346Q104 1,550 36,919 SH   SOLE   0 0 36,919
PROCTER AND GAMBLE CO COM 742718109 8,018 67,059 SH   SOLE   5,845 0 61,214
PROGRESSIVE CORP OHIO COM 743315103 252 3,150 SH   SOLE   0 0 3,150
PROSHARES TR SHORT S&P 500 NE 74347B425 56 2,500 SH   SOLE   0 0 2,500
PROSHARES TR SHORT QQQ NEW 74347B714 171 9,000 SH   SOLE   0 0 9,000
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,105 22,484 SH   SOLE   1,035 0 21,449
QUALCOMM INC COM 747525103 732 8,027 SH   SOLE   0 0 8,027
RAYTHEON TECHNOLOGIES CORP COM 75513E101 850 13,801 SH   SOLE   1,450 0 12,351
REGIONS FINANCIAL CORP NEW COM 7591EP100 122 10,998 SH   SOLE   0 0 10,998
RENASANT CORP COM 75970E107 202 8,094 SH   SOLE   0 0 8,094
RUBICON PROJ INC COM 78112V102 1,912 286,695 SH   SOLE   0 0 286,695
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,527 20,781 SH   SOLE   0 0 20,781
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,633 32,583 SH   SOLE   0 0 32,583
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 726 11,111 SH   SOLE   0 0 11,111
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,470 116,643 SH   SOLE   3,900 0 112,743
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 555 5,545 SH   SOLE   0 0 5,545
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,029 27,195 SH   SOLE   4,425 0 22,770
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 880 25,291 SH   SOLE   27 0 25,264
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,190 21,080 SH   SOLE   100 0 20,980
SOUTHERN CO COM 842587107 1,652 31,865 SH   SOLE   1,375 0 30,490
SOUTHWEST AIRLS CO COM 844741108 1,294 37,849 SH   SOLE   0 0 37,849
SPDR S&P 500 ETF TR TR UNIT 78462F103 662 2,147 SH   SOLE   0 0 2,147
SPDR SER TR PRTFLO S&P500 VL 78464A508 311 10,715 SH   SOLE   0 0 10,715
SPDR SER TR BLOMBERG BRC INV 78468R200 371 12,168 SH   SOLE   0 0 12,168
STRYKER CORPORATION COM 863667101 679 3,770 SH   SOLE   150 0 3,620
SYSCO CORP COM 871829107 396 7,236 SH   SOLE   200 0 7,036
TRAVELERS COMPANIES INC COM 89417E109 240 2,101 SH   SOLE   400 0 1,701
TRUIST FINL CORP COM 89832Q109 1,180 31,415 SH   SOLE   1,675 0 29,740
UNITED PARCEL SERVICE INC CL B 911312106 4,230 38,046 SH   SOLE   1,850 0 36,196
UNITEDHEALTH GROUP INC COM 91324P102 3,220 10,917 SH   SOLE   850 0 10,067
US BANCORP DEL COM NEW 902973304 2,870 77,940 SH   SOLE   3,350 0 74,590
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 367 2,400 SH   SOLE   0 0 2,400
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 207 2,494 SH   SOLE   250 0 2,244
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 865 9,794 SH   SOLE   350 0 9,444
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,735 6,120 SH   SOLE   0 0 6,120
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 666 8,476 SH   SOLE   250 0 8,226
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,496 23,347 SH   SOLE   1,220 0 22,127
VANGUARD INDEX FDS MID CAP ETF 922908629 8,891 54,244 SH   SOLE   1,095 0 53,149
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 795 6,715 SH   SOLE   1,550 0 5,165
VANGUARD INDEX FDS GROWTH ETF 922908736 33,972 168,103 SH   SOLE   4,481 0 163,622
VANGUARD INDEX FDS VALUE ETF 922908744 27,017 271,286 SH   SOLE   8,938 0 262,348
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,757 18,922 SH   SOLE   522 0 18,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,504 15,998 SH   SOLE   0 0 15,998
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 8,446 177,410 SH   SOLE   15,250 0 162,160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,828 121,901 SH   SOLE   4,986 0 116,915
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 309 4,975 SH   SOLE   0 0 4,975
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 250 3,025 SH   SOLE   0 0 3,025
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,233 53,190 SH   SOLE   650 0 52,540
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 17,687 455,977 SH   SOLE   18,300 0 437,677
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,428 94,292 SH   SOLE   4,025 0 90,267
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 387 2,590 SH   SOLE   0 0 2,590
VANGUARD WORLD FDS ENERGY ETF 92204A306 862 17,137 SH   SOLE   309 0 16,828
VERIZON COMMUNICATIONS INC COM 92343V104 13,248 240,305 SH   SOLE   9,743 0 230,562
VISA INC COM CL A 92826C839 710 3,675 SH   SOLE   0 0 3,675
VONAGE HLDGS CORP COM 92886T201 399 39,692 SH   SOLE   0 0 39,692
WALGREENS BOOTS ALLIANCE INC COM 931427108 322 7,600 SH   SOLE   350 0 7,250
WALMART INC COM 931142103 2,580 21,541 SH   SOLE   1,980 0 19,561
WASTE MGMT INC DEL COM 94106L109 2,197 20,748 SH   SOLE   1,535 0 19,213
WELLS FARGO CO NEW COM 949746101 3,513 137,245 SH   SOLE   8,551 0 128,694
WESTPORT FUEL SYSTEMS INC COM NEW 960908309 271 218,815 SH   SOLE   0 0 218,815
WEX INC COM 96208T104 351 2,125 SH   SOLE   0 0 2,125
WEYERHAEUSER CO MTN BE COM NEW 962166104 3,916 174,376 SH   SOLE   8,820 0 165,556
XCEL ENERGY INC COM 98389B100 258 4,125 SH   SOLE   0 0 4,125
YUM BRANDS INC COM 988498101 420 4,835 SH   SOLE   375 0 4,460