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 2,077 10,457 SH   SOLE   1,130 0 9,327
ABBOTT LABS COM 002824100 2,269 19,569 SH   SOLE   2,954 0 16,615
ABBVIE INC COM 00287Y109 2,759 24,494 SH   SOLE   1,288 0 23,206
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,639 5,561 SH   SOLE   1,020 0 4,541
AIR PRODS & CHEMS INC COM 009158106 216 750 SH   SOLE   0 0 750
ALPHABET INC CAP STK CL C 02079K107 5,842 2,331 SH   SOLE   170 0 2,161
ALPHABET INC CAP STK CL A 02079K305 2,307 945 SH   SOLE   115 0 830
ALTRIA GROUP INC COM 02209S103 244 5,125 SH   SOLE   0 0 5,125
AMAZON COM INC COM 023135106 1,256 365 SH   SOLE   0 0 365
AMGEN INC COM 031162100 686 2,815 SH   SOLE   50 0 2,765
APPLE INC COM 037833100 24,702 180,356 SH   SOLE   6,769 0 173,587
ASPEN AEROGELS INC COM 04523Y105 409 13,685 SH   SOLE   0 0 13,685
AT&T INC COM 00206R102 4,841 168,212 SH   SOLE   4,271 0 163,941
AUTOMATIC DATA PROCESSING IN COM 053015103 1,096 5,519 SH   SOLE   800 0 4,719
BAXTER INTL INC COM 071813109 783 9,732 SH   SOLE   675 0 9,057
BECTON DICKINSON & CO COM 075887109 891 3,664 SH   SOLE   75 0 3,589
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,493 19,764 SH   SOLE   1,587 0 18,177
BK OF AMERICA CORP COM 060505104 5,463 132,510 SH   SOLE   7,273 0 125,237
BLACKROCK INC COM 09247X101 894 1,022 SH   SOLE   170 0 852
BRISTOL-MYERS SQUIBB CO COM 110122108 1,827 27,348 SH   SOLE   1,295 0 26,053
BROADCOM INC COM 11135F101 1,552 3,254 SH   SOLE   50 0 3,204
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 8,076 145,389 SH   SOLE   4,694 0 140,695
BROWN FORMAN CORP CL B 115637209 430 5,740 SH   SOLE   0 0 5,740
CAREDX INC COM 14167L103 247 2,703 SH   SOLE   0 0 2,703
CARRIER GLOBAL CORPORATION COM 14448C104 286 5,890 SH   SOLE   550 0 5,340
CHART INDS INC COM 16115Q308 440 3,010 SH   SOLE   0 0 3,010
CHEVRON CORP NEW COM 166764100 7,409 70,733 SH   SOLE   3,414 0 67,319
CHUBB LIMITED COM H1467J104 1,376 8,657 SH   SOLE   0 0 8,657
CISCO SYS INC COM 17275R102 2,186 41,245 SH   SOLE   2,750 0 38,495
CLOROX CO DEL COM 189054109 438 2,433 SH   SOLE   0 0 2,433
COCA COLA CO COM 191216100 1,743 32,216 SH   SOLE   1,315 0 30,901
COLGATE PALMOLIVE CO COM 194162103 464 5,702 SH   SOLE   175 0 5,527
COMCAST CORP NEW CL A 20030N101 232 4,070 SH   SOLE   0 0 4,070
COSTCO WHSL CORP NEW COM 22160K105 2,762 6,980 SH   SOLE   525 0 6,455
CSX CORP COM 126408103 1,263 39,378 SH   SOLE   0 0 39,378
CVS HEALTH CORP COM 126650100 211 2,526 SH   SOLE   0 0 2,526
DANAHER CORPORATION COM 235851102 3,645 13,584 SH   SOLE   1,844 0 11,740
DERMTECH INC COM 24984K105 509 12,240 SH   SOLE   0 0 12,240
DIAGEO PLC SPON ADR NEW 25243Q205 2,172 11,333 SH   SOLE   980 0 10,353
DISNEY WALT CO COM 254687106 1,436 8,169 SH   SOLE   125 0 8,044
DUKE ENERGY CORP NEW COM NEW 26441C204 11,492 116,406 SH   SOLE   5,294 0 111,112
EATON CORP PLC SHS G29183103 287 1,934 SH   SOLE   0 0 1,934
ECOLAB INC COM 278865100 820 3,980 SH   SOLE   950 0 3,030
EMERSON ELEC CO COM 291011104 5,329 55,373 SH   SOLE   5,440 0 49,933
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 436 36,147 SH   SOLE   0 0 36,147
ENTERPRISE PRODS PARTNERS L COM 293792107 7,846 325,168 SH   SOLE   8,443 0 316,725
EXXON MOBIL CORP COM 30231G102 2,022 32,061 SH   SOLE   1,337 0 30,724
FACEBOOK INC CL A 30303M102 855 2,460 SH   SOLE   0 0 2,460
FEDEX CORP COM 31428X106 703 2,355 SH   SOLE   0 0 2,355
FIFTH THIRD BANCORP COM 316773100 229 6,000 SH   SOLE   0 0 6,000
FIRST HORIZON CORPORATION COM 320517105 647 37,439 SH   SOLE   0 0 37,439
FORTIVE CORP COM 34959J108 229 3,287 SH   SOLE   300 0 2,987
GENERAL DYNAMICS CORP COM 369550108 279 1,484 SH   SOLE   0 0 1,484
GENERAL MLS INC COM 370334104 2,497 40,985 SH   SOLE   200 0 40,785
GOLDMAN SACHS GROUP INC COM 38141G104 224 590 SH   SOLE   125 0 465
GRAN TIERRA ENERGY INC COM 38500T101 14 19,136 SH   SOLE   0 0 19,136
HASBRO INC COM 418056107 1,572 16,634 SH   SOLE   550 0 16,084
HCA HEALTHCARE INC COM 40412C101 8,227 39,792 SH   SOLE   0 0 39,792
HOME DEPOT INC COM 437076102 1,591 4,989 SH   SOLE   0 0 4,989
HONEYWELL INTL INC COM 438516106 1,169 5,329 SH   SOLE   0 0 5,329
ILLINOIS TOOL WKS INC COM 452308109 402 1,800 SH   SOLE   0 0 1,800
INTEL CORP COM 458140100 3,737 66,572 SH   SOLE   6,900 0 59,672
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,262 37,139 SH   SOLE   600 0 36,539
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 484 10,054 SH   SOLE   0 0 10,054
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 219 1,450 SH   SOLE   0 0 1,450
INVESCO QQQ TR UNIT SER 1 46090E103 3,114 8,787 SH   SOLE   850 0 7,937
ISHARES INC MSCI EMERG MRKT 464286533 705 10,993 SH   SOLE   900 0 10,093
ISHARES INC CORE MSCI EMKT 46434G103 9,332 139,307 SH   SOLE   7,303 0 132,004
ISHARES TR SELECT DIVID ETF 464287168 367 3,146 SH   SOLE   0 0 3,146
ISHARES TR TIPS BD ETF 464287176 5,626 43,953 SH   SOLE   2,750 0 41,203
ISHARES TR CORE S&P500 ETF 464287200 632 1,471 SH   SOLE   0 0 1,471
ISHARES TR S&P 500 GRWT ETF 464287309 327 4,493 SH   SOLE   0 0 4,493
ISHARES TR S&P 500 VAL ETF 464287408 222 1,501 SH   SOLE   0 0 1,501
ISHARES TR 1 3 YR TREAS BD 464287457 1,252 14,526 SH   SOLE   0 0 14,526
ISHARES TR MSCI EAFE ETF 464287465 1,076 13,638 SH   SOLE   0 0 13,638
ISHARES TR RUS MDCP VAL ETF 464287473 230 2,000 SH   SOLE   0 0 2,000
ISHARES TR RUS MD CP GR ETF 464287481 225 1,983 SH   SOLE   0 0 1,983
ISHARES TR RUS 1000 VAL ETF 464287598 762 4,802 SH   SOLE   0 0 4,802
ISHARES TR RUS 1000 GRW ETF 464287614 906 3,337 SH   SOLE   0 0 3,337
ISHARES TR RUSSELL 2000 ETF 464287655 721 3,142 SH   SOLE   0 0 3,142
ISHARES TR MSCI ACWI EX US 464288240 428 7,450 SH   SOLE   0 0 7,450
ISHARES TR ISHS 1-5YR INVS 464288646 1,678 30,608 SH   SOLE   2,767 0 27,841
ISHARES TR SHORT TREAS BD 464288679 681 6,167 SH   SOLE   0 0 6,167
ISHARES TR PFD AND INCM SEC 464288687 268 6,819 SH   SOLE   0 0 6,819
ISHARES TR US REGNL BKS ETF 464288778 265 4,600 SH   SOLE   1,400 0 3,200
ISHARES TR FLTG RATE NT ETF 46429B655 2,817 55,436 SH   SOLE   0 0 55,436
ISHARES TR MSCI EAFE MIN VL 46429B689 5,574 73,791 SH   SOLE   1,578 0 72,213
ISHARES TR MSCI USA QLT FCT 46432F339 5,757 43,329 SH   SOLE   230 0 43,099
ISHARES TR MSCI INTL QUALTY 46434V456 3,473 90,055 SH   SOLE   3,500 0 86,555
ISHARES TR TRS FLT RT BD 46434V860 997 19,840 SH   SOLE   950 0 18,890
ISHARES TR 0-3 MNTH TREASRY 46436E718 5,040 50,390 SH   SOLE   3,801 0 46,589
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 303 5,928 SH   SOLE   0 0 5,928
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 22,354 440,559 SH   SOLE   16,498 0 424,061
JOHNSON & JOHNSON COM 478160104 8,479 51,470 SH   SOLE   2,865 0 48,605
JPMORGAN CHASE & CO COM 46625H100 8,343 53,637 SH   SOLE   3,734 0 49,903
KIMBERLY-CLARK CORP COM 494368103 2,672 19,970 SH   SOLE   1,025 0 18,945
KOSMOS ENERGY LTD COM 500688106 61 17,678 SH   SOLE   0 0 17,678
L3HARRIS TECHNOLOGIES INC COM 502431109 477 2,205 SH   SOLE   0 0 2,205
LILLY ELI & CO COM 532457108 1,199 5,226 SH   SOLE   112 0 5,114
LIQTECH INTL INC COM 53632A201 140 19,064 SH   SOLE   0 0 19,064
LOCKHEED MARTIN CORP COM 539830109 4,536 11,988 SH   SOLE   540 0 11,448
LOWES COS INC COM 548661107 616 3,178 SH   SOLE   550 0 2,628
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,512 14,699 SH   SOLE   725 0 13,974
M & T BK CORP COM 55261F104 554 3,815 SH   SOLE   0 0 3,815
MAGNITE INC COM 55955D100 3,183 94,053 SH   SOLE   0 0 94,053
MCDONALDS CORP COM 580135101 4,049 17,529 SH   SOLE   1,455 0 16,074
MERCK & CO INC COM 58933Y105 9,413 121,036 SH   SOLE   5,825 0 115,211
METLIFE INC COM 59156R108 224 3,739 SH   SOLE   0 0 3,739
MFS INTER INCOME TR SH BEN INT 55273C107 37 10,000 SH   SOLE   0 0 10,000
MICROCHIP TECHNOLOGY INC. COM 595017104 878 5,864 SH   SOLE   200 0 5,664
MICROSOFT CORP COM 594918104 16,708 61,675 SH   SOLE   4,092 0 57,583
MONDELEZ INTL INC CL A 609207105 878 14,058 SH   SOLE   2,637 0 11,421
MOODYS CORP COM 615369105 290 800 SH   SOLE   0 0 800
NEXTERA ENERGY INC COM 65339F101 502 6,848 SH   SOLE   0 0 6,848
NIKE INC CL B 654106103 3,535 22,880 SH   SOLE   2,077 0 20,803
NOVARTIS AG SPONSORED ADR 66987V109 3,200 35,073 SH   SOLE   2,867 0 32,206
NOVO-NORDISK A S ADR 670100205 1,122 13,396 SH   SOLE   0 0 13,396
NUCOR CORP COM 670346105 2,084 21,726 SH   SOLE   500 0 21,226
OGE ENERGY CORP COM 670837103 212 6,286 SH   SOLE   350 0 5,936
OLD REP INTL CORP COM 680223104 1,447 58,089 SH   SOLE   0 0 58,089
ORACLE CORP COM 68389X105 1,170 15,037 SH   SOLE   1,100 0 13,937
ORGANON & CO COMMON STOCK 68622V106 1,036 34,250 SH   SOLE   545 0 33,705
PAYCHEX INC COM 704326107 5,827 54,309 SH   SOLE   3,858 0 50,451
PEPSICO INC COM 713448108 5,396 36,416 SH   SOLE   3,392 0 33,024
PFIZER INC COM 717081103 3,962 101,181 SH   SOLE   1,775 0 99,406
PHILLIPS 66 COM 718546104 201 2,337 SH   SOLE   0 0 2,337
PINNACLE FINL PARTNERS INC COM 72346Q104 1,288 14,583 SH   SOLE   0 0 14,583
POTLATCHDELTIC CORPORATION COM 737630103 271 5,100 SH   SOLE   2,300 0 2,800
PRICE T ROWE GROUP INC COM 74144T108 384 1,940 SH   SOLE   0 0 1,940
PROCTER AND GAMBLE CO COM 742718109 9,132 67,676 SH   SOLE   5,683 0 61,993
PROGRESSIVE CORP COM 743315103 309 3,150 SH   SOLE   0 0 3,150
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 815 13,649 SH   SOLE   800 0 12,849
QUALCOMM INC COM 747525103 1,471 10,290 SH   SOLE   100 0 10,190
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,143 13,403 SH   SOLE   1,275 0 12,128
RENASANT CORP COM 75970E107 324 8,094 SH   SOLE   0 0 8,094
SALESFORCE COM INC COM 79466L302 269 1,100 SH   SOLE   0 0 1,100
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,240 21,479 SH   SOLE   0 0 21,479
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,399 35,083 SH   SOLE   0 0 35,083
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,132 10,866 SH   SOLE   0 0 10,866
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 208 6,316 SH   SOLE   0 0 6,316
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,569 115,809 SH   SOLE   3,900 0 111,909
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 788 6,260 SH   SOLE   340 0 5,920
SELECT SECTOR SPDR TR ENERGY 81369Y506 429 7,970 SH   SOLE   3,200 0 4,770
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 322 8,770 SH   SOLE   0 0 8,770
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,465 78,161 SH   SOLE   1,404 0 76,757
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 7,426 117,451 SH   SOLE   4,865 0 112,586
SIGNATURE BK NEW YORK N Y COM 82669G104 1,087 4,423 SH   SOLE   50 0 4,373
SILVERGATE CAP CORP CL A 82837P408 2,016 17,793 SH   SOLE   0 0 17,793
SOFI TECHNOLOGIES INC COM 83406F102 233 12,150 SH   SOLE   0 0 12,150
SOUTHERN CO COM 842587107 2,066 34,149 SH   SOLE   1,375 0 32,774
SOUTHWEST AIRLS CO COM 844741108 1,838 34,625 SH   SOLE   0 0 34,625
SPDR GOLD TR GOLD SHS 78463V107 213 1,285 SH   SOLE   0 0 1,285
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,162 2,715 SH   SOLE   0 0 2,715
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 216 439 SH   SOLE   0 0 439
SPDR SER TR PORTFLI MORTGAGE 78464A383 394 15,246 SH   SOLE   0 0 15,246
SPDR SER TR BLOMBERG BRC INV 78468R200 574 18,742 SH   SOLE   0 0 18,742
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 807 17,434 SH   SOLE   0 0 17,434
STONEX GROUP INC COM 861896108 2,648 43,640 SH   SOLE   0 0 43,640
STRYKER CORPORATION COM 863667101 919 3,537 SH   SOLE   150 0 3,387
SYSCO CORP COM 871829107 222 2,850 SH   SOLE   0 0 2,850
TARGET CORP COM 87612E106 405 1,674 SH   SOLE   200 0 1,474
TESLA INC COM 88160R101 317 467 SH   SOLE   0 0 467
TRUIST FINL CORP COM 89832Q109 1,238 22,309 SH   SOLE   1,550 0 20,759
TWITTER INC COM 90184L102 259 3,770 SH   SOLE   0 0 3,770
UNION PAC CORP COM 907818108 307 1,397 SH   SOLE   0 0 1,397
UNITED PARCEL SERVICE INC CL B 911312106 7,679 36,922 SH   SOLE   1,725 0 35,197
UNITEDHEALTH GROUP INC COM 91324P102 4,197 10,480 SH   SOLE   850 0 9,630
US BANCORP DEL COM NEW 902973304 6,244 109,603 SH   SOLE   4,725 0 104,878
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 629 2,400 SH   SOLE   0 0 2,400
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 221 2,684 SH   SOLE   0 0 2,684
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,179 13,728 SH   SOLE   350 0 13,378
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,478 6,296 SH   SOLE   0 0 6,296
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 226 1,608 SH   SOLE   0 0 1,608
VANGUARD INDEX FDS SM CP VAL ETF 922908611 892 5,138 SH   SOLE   420 0 4,718
VANGUARD INDEX FDS MID CAP ETF 922908629 13,866 58,419 SH   SOLE   1,091 0 57,328
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,262 6,690 SH   SOLE   1,550 0 5,140
VANGUARD INDEX FDS GROWTH ETF 922908736 53,664 187,105 SH   SOLE   4,491 0 182,614
VANGUARD INDEX FDS VALUE ETF 922908744 45,075 327,910 SH   SOLE   8,963 0 318,947
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,626 29,414 SH   SOLE   781 0 28,633
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,232 18,992 SH   SOLE   0 0 18,992
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,240 177,319 SH   SOLE   13,488 0 163,831
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,372 190,979 SH   SOLE   6,215 0 184,764
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 308 4,574 SH   SOLE   0 0 4,574
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,790 110,526 SH   SOLE   5,829 0 104,697
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 325 3,932 SH   SOLE   0 0 3,932
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,999 51,676 SH   SOLE   650 0 51,026
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 27,621 536,123 SH   SOLE   17,758 0 518,365
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,354 89,277 SH   SOLE   3,575 0 85,702
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 478 2,617 SH   SOLE   0 0 2,617
VERIZON COMMUNICATIONS INC COM 92343V104 15,797 281,945 SH   SOLE   9,806 0 272,139
VISA INC COM CL A 92826C839 939 4,014 SH   SOLE   0 0 4,014
VONAGE HLDGS CORP COM 92886T201 394 27,349 SH   SOLE   0 0 27,349
WALGREENS BOOTS ALLIANCE INC COM 931427108 330 6,275 SH   SOLE   350 0 5,925
WALMART INC COM 931142103 3,315 23,505 SH   SOLE   1,930 0 21,575
WASTE MGMT INC DEL COM 94106L109 2,778 19,830 SH   SOLE   1,535 0 18,295
WATERS CORP COM 941848103 294 850 SH   SOLE   0 0 850
WELLS FARGO CO NEW COM 949746101 721 15,911 SH   SOLE   1,211 0 14,700
WESTPORT FUEL SYSTEMS INC COM NEW 960908309 299 56,241 SH   SOLE   0 0 56,241
WEX INC COM 96208T104 397 2,048 SH   SOLE   0 0 2,048
WEYERHAEUSER CO MTN BE COM NEW 962166104 4,526 131,481 SH   SOLE   5,845 0 125,636
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,609 62,025 SH   SOLE   0 0 62,025
XCEL ENERGY INC COM 98389B100 272 4,125 SH   SOLE   0 0 4,125
YUM BRANDS INC COM 988498101 394 3,424 SH   SOLE   364 0 3,060