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 1,826 10,407 SH   SOLE   1,130 0 9,277
ABBOTT LABS COM 002824100 2,290 19,382 SH   SOLE   2,954 0 16,428
ABBVIE INC COM 00287Y109 2,630 24,385 SH   SOLE   1,288 0 23,097
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,782 5,571 SH   SOLE   1,020 0 4,551
ACI WORLDWIDE INC COM 004498101 2,126 69,196 SH   SOLE   0 0 69,196
ALPHABET INC CAP STK CL C 02079K107 7,180 2,694 SH   SOLE   170 0 2,524
ALPHABET INC CAP STK CL A 02079K305 2,633 985 SH   SOLE   115 0 870
ALTRIA GROUP INC COM 02209S103 216 4,736 SH   SOLE   0 0 4,736
AMAZON COM INC COM 023135106 1,353 412 SH   SOLE   0 0 412
AMGEN INC COM 031162100 593 2,790 SH   SOLE   50 0 2,740
ANTERIX INC COM 03676C100 539 8,875 SH   SOLE   0 0 8,875
APPLE INC COM 037833100 26,872 189,908 SH   SOLE   6,578 0 183,330
ASPEN AEROGELS INC COM 04523Y105 987 21,460 SH   SOLE   0 0 21,460
AT&T INC COM 00206R102 4,458 165,056 SH   SOLE   3,996 0 161,060
AUTOMATIC DATA PROCESSING IN COM 053015103 1,103 5,518 SH   SOLE   800 0 4,718
BAXTER INTL INC COM 071813109 783 9,732 SH   SOLE   675 0 9,057
BECTON DICKINSON & CO COM 075887109 918 3,734 SH   SOLE   75 0 3,659
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,649 20,696 SH   SOLE   1,587 0 19,109
BK OF AMERICA CORP COM 060505104 5,879 138,493 SH   SOLE   7,603 0 130,890
BLACKROCK INC COM 09247X101 857 1,022 SH   SOLE   170 0 852
BRISTOL-MYERS SQUIBB CO COM 110122108 1,590 26,879 SH   SOLE   1,295 0 25,584
BROADCOM INC COM 11135F101 2,785 5,744 SH   SOLE   160 0 5,584
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 8,528 151,981 SH   SOLE   4,834 0 147,147
BROWN FORMAN CORP CL B 115637209 385 5,740 SH   SOLE   0 0 5,740
CAREDX INC COM 14167L103 444 7,013 SH   SOLE   0 0 7,013
CARRIER GLOBAL CORPORATION COM 14448C104 302 5,840 SH   SOLE   550 0 5,290
CHART INDS INC COM 16115Q308 968 5,065 SH   SOLE   0 0 5,065
CHEVRON CORP NEW COM 166764100 7,980 78,661 SH   SOLE   3,414 0 75,247
CHUBB LIMITED COM H1467J104 2,255 13,000 SH   SOLE   0 0 13,000
CISCO SYS INC COM 17275R102 2,245 41,245 SH   SOLE   2,750 0 38,495
CLEARWATER PAPER CORP COM 18538R103 385 10,053 SH   SOLE   0 0 10,053
CLOROX CO DEL COM 189054109 398 2,404 SH   SOLE   0 0 2,404
COCA COLA CO COM 191216100 1,690 32,212 SH   SOLE   1,315 0 30,897
COLGATE PALMOLIVE CO COM 194162103 435 5,757 SH   SOLE   175 0 5,582
COMCAST CORP NEW CL A 20030N101 228 4,070 SH   SOLE   0 0 4,070
COSTCO WHSL CORP NEW COM 22160K105 3,136 6,980 SH   SOLE   525 0 6,455
CSX CORP COM 126408103 1,171 39,378 SH   SOLE   0 0 39,378
CVS HEALTH CORP COM 126650100 223 2,626 SH   SOLE   0 0 2,626
DANAHER CORPORATION COM 235851102 4,124 13,547 SH   SOLE   1,844 0 11,703
DERMTECH INC COM 24984K105 853 26,565 SH   SOLE   0 0 26,565
DIAGEO PLC SPON ADR NEW 25243Q205 2,149 11,133 SH   SOLE   980 0 10,153
DISNEY WALT CO COM 254687106 1,391 8,224 SH   SOLE   125 0 8,099
DUKE ENERGY CORP NEW COM NEW 26441C204 12,171 124,714 SH   SOLE   4,894 0 119,820
EATON CORP PLC SHS G29183103 289 1,934 SH   SOLE   0 0 1,934
ECOLAB INC COM 278865100 830 3,980 SH   SOLE   950 0 3,030
EMERSON ELEC CO COM 291011104 5,219 55,401 SH   SOLE   5,440 0 49,961
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 363 36,147 SH   SOLE   0 0 36,147
ENTERPRISE PRODS PARTNERS L COM 293792107 7,378 340,964 SH   SOLE   7,093 0 333,871
EXXON MOBIL CORP COM 30231G102 1,972 33,521 SH   SOLE   1,337 0 32,184
FACEBOOK INC CL A 30303M102 838 2,469 SH   SOLE   0 0 2,469
FEDEX CORP COM 31428X106 516 2,355 SH   SOLE   0 0 2,355
FIFTH THIRD BANCORP COM 316773100 255 6,000 SH   SOLE   0 0 6,000
FIRST HORIZON CORPORATION COM 320517105 610 37,439 SH   SOLE   0 0 37,439
FORTIVE CORP COM 34959J108 232 3,287 SH   SOLE   300 0 2,987
GENERAL DYNAMICS CORP COM 369550108 286 1,457 SH   SOLE   0 0 1,457
GENERAL MLS INC COM 370334104 3,732 62,393 SH   SOLE   200 0 62,193
GOLDMAN SACHS GROUP INC COM 38141G104 212 560 SH   SOLE   125 0 435
GRAN TIERRA ENERGY INC COM 38500T101 14 19,000 SH   SOLE   0 0 19,000
HASBRO INC COM 418056107 1,485 16,649 SH   SOLE   550 0 16,099
HCA HEALTHCARE INC COM 40412C101 10,499 43,256 SH   SOLE   0 0 43,256
HOME DEPOT INC COM 437076102 1,638 4,989 SH   SOLE   0 0 4,989
HONEYWELL INTL INC COM 438516106 1,131 5,329 SH   SOLE   0 0 5,329
ILLINOIS TOOL WKS INC COM 452308109 372 1,800 SH   SOLE   0 0 1,800
INTEL CORP COM 458140100 3,506 65,797 SH   SOLE   6,900 0 58,897
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,225 36,579 SH   SOLE   600 0 35,979
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 450 9,604 SH   SOLE   0 0 9,604
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 217 1,450 SH   SOLE   0 0 1,450
INVESCO QQQ TR UNIT SER 1 46090E103 3,150 8,800 SH   SOLE   850 0 7,950
ISHARES GOLD TR ISHARES NEW 464285204 218 6,519 SH   SOLE   0 0 6,519
ISHARES INC MSCI EMERG MRKT 464286533 678 10,821 SH   SOLE   900 0 9,921
ISHARES INC CORE MSCI EMKT 46434G103 8,556 138,535 SH   SOLE   7,303 0 131,232
ISHARES TR SELECT DIVID ETF 464287168 361 3,146 SH   SOLE   0 0 3,146
ISHARES TR TIPS BD ETF 464287176 5,782 45,280 SH   SOLE   2,550 0 42,730
ISHARES TR CORE S&P500 ETF 464287200 629 1,461 SH   SOLE   0 0 1,461
ISHARES TR S&P 500 GRWT ETF 464287309 332 4,493 SH   SOLE   0 0 4,493
ISHARES TR S&P 500 VAL ETF 464287408 218 1,501 SH   SOLE   0 0 1,501
ISHARES TR 1 3 YR TREAS BD 464287457 1,234 14,324 SH   SOLE   0 0 14,324
ISHARES TR MSCI EAFE ETF 464287465 1,046 13,413 SH   SOLE   0 0 13,413
ISHARES TR RUS MD CP GR ETF 464287481 222 1,983 SH   SOLE   0 0 1,983
ISHARES TR RUS 1000 VAL ETF 464287598 752 4,802 SH   SOLE   0 0 4,802
ISHARES TR RUS 1000 GRW ETF 464287614 914 3,337 SH   SOLE   0 0 3,337
ISHARES TR RUSSELL 2000 ETF 464287655 700 3,202 SH   SOLE   0 0 3,202
ISHARES TR MSCI ACWI EX US 464288240 413 7,450 SH   SOLE   0 0 7,450
ISHARES TR ISHS 1-5YR INVS 464288646 1,649 30,181 SH   SOLE   2,767 0 27,414
ISHARES TR SHORT TREAS BD 464288679 670 6,066 SH   SOLE   0 0 6,066
ISHARES TR US REGNL BKS ETF 464288778 279 4,600 SH   SOLE   1,400 0 3,200
ISHARES TR FLTG RATE NT ETF 46429B655 3,145 61,852 SH   SOLE   0 0 61,852
ISHARES TR MSCI EAFE MIN VL 46429B689 7,070 93,846 SH   SOLE   1,678 0 92,168
ISHARES TR MSCI USA QLT FCT 46432F339 5,719 43,414 SH   SOLE   230 0 43,184
ISHARES TR MSCI INTL QUALTY 46434V456 2,972 78,448 SH   SOLE   3,500 0 74,948
ISHARES TR TRS FLT RT BD 46434V860 860 17,115 SH   SOLE   950 0 16,165
ISHARES TR IBONDS DEC25 ETF 46434VBD1 748 27,854 SH   SOLE   0 0 27,854
ISHARES TR IBONDS DEC24 ETF 46434VBG4 705 26,826 SH   SOLE   0 0 26,826
ISHARES TR IBONDS DEC2026 46435GAA0 735 27,746 SH   SOLE   0 0 27,746
ISHARES TR IBONDS 27 ETF 46435UAA9 725 26,863 SH   SOLE   0 0 26,863
ISHARES TR 0-3 MNTH TREASRY 46436E718 5,059 50,582 SH   SOLE   3,801 0 46,781
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 544 10,646 SH   SOLE   0 0 10,646
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 22,516 443,925 SH   SOLE   16,498 0 427,427
JOHNSON & JOHNSON COM 478160104 8,839 54,728 SH   SOLE   2,865 0 51,863
JPMORGAN CHASE & CO COM 46625H100 9,929 60,659 SH   SOLE   3,734 0 56,925
KIMBERLY-CLARK CORP COM 494368103 2,677 20,213 SH   SOLE   1,025 0 19,188
KOSMOS ENERGY LTD COM 500688106 464 156,877 SH   SOLE   0 0 156,877
L3HARRIS TECHNOLOGIES INC COM 502431109 486 2,205 SH   SOLE   0 0 2,205
LILLY ELI & CO COM 532457108 1,201 5,196 SH   SOLE   112 0 5,084
LIQTECH INTL INC COM 53632A201 86 15,764 SH   SOLE   0 0 15,764
LOCKHEED MARTIN CORP COM 539830109 5,122 14,843 SH   SOLE   540 0 14,303
LOWES COS INC COM 548661107 645 3,178 SH   SOLE   550 0 2,628
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 2,369 25,239 SH   SOLE   725 0 24,514
M & T BK CORP COM 55261F104 570 3,815 SH   SOLE   0 0 3,815
MAGNITE INC COM 55955D100 3,569 127,471 SH   SOLE   0 0 127,471
MCDONALDS CORP COM 580135101 4,298 17,826 SH   SOLE   1,455 0 16,371
MERCK & CO INC COM 58933Y105 10,775 143,452 SH   SOLE   5,925 0 137,527
METLIFE INC COM 59156R108 231 3,739 SH   SOLE   0 0 3,739
MFS INTER INCOME TR SH BEN INT 55273C107 36 10,000 SH   SOLE   0 0 10,000
MICROCHIP TECHNOLOGY INC. COM 595017104 892 5,814 SH   SOLE   200 0 5,614
MICROSOFT CORP COM 594918104 18,387 65,220 SH   SOLE   4,112 0 61,108
MONDELEZ INTL INC CL A 609207105 818 14,058 SH   SOLE   2,637 0 11,421
MOODYS CORP COM 615369105 284 800 SH   SOLE   0 0 800
NEXTERA ENERGY INC COM 65339F101 532 6,773 SH   SOLE   0 0 6,773
NIKE INC CL B 654106103 4,060 27,957 SH   SOLE   2,077 0 25,880
NORTHROP GRUMMAN CORP COM 666807102 231 641 SH   SOLE   0 0 641
NOVARTIS AG SPONSORED ADR 66987V109 2,797 34,201 SH   SOLE   2,867 0 31,334
NOVO-NORDISK A S ADR 670100205 1,286 13,396 SH   SOLE   0 0 13,396
NUCOR CORP COM 670346105 2,051 20,826 SH   SOLE   500 0 20,326
OGE ENERGY CORP COM 670837103 241 7,311 SH   SOLE   350 0 6,961
OLD REP INTL CORP COM 680223104 2,604 112,596 SH   SOLE   0 0 112,596
ORACLE CORP COM 68389X105 1,310 15,037 SH   SOLE   1,100 0 13,937
ORGANON & CO COMMON STOCK 68622V106 2,369 72,249 SH   SOLE   142 0 72,107
PAYCHEX INC COM 704326107 5,787 51,461 SH   SOLE   3,858 0 47,603
PEPSICO INC COM 713448108 5,840 38,824 SH   SOLE   3,392 0 35,432
PFIZER INC COM 717081103 4,438 103,193 SH   SOLE   2,275 0 100,918
PINNACLE FINL PARTNERS INC COM 72346Q104 1,849 19,650 SH   SOLE   0 0 19,650
POTLATCHDELTIC CORPORATION COM 737630103 263 5,100 SH   SOLE   2,300 0 2,800
PRICE T ROWE GROUP INC COM 74144T108 382 1,940 SH   SOLE   0 0 1,940
PROCTER AND GAMBLE CO COM 742718109 9,496 67,923 SH   SOLE   5,683 0 62,240
PROGRESSIVE CORP COM 743315103 285 3,150 SH   SOLE   0 0 3,150
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 822 13,494 SH   SOLE   800 0 12,694
QUALCOMM INC COM 747525103 1,461 11,324 SH   SOLE   100 0 11,224
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,152 13,403 SH   SOLE   1,275 0 12,128
RENASANT CORP COM 75970E107 292 8,094 SH   SOLE   0 0 8,094
RIMINI STR INC DEL COM 76674Q107 183 19,000 SH   SOLE   0 0 19,000
SALESFORCE COM INC COM 79466L302 299 1,104 SH   SOLE   0 0 1,104
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,000 19,252 SH   SOLE   0 0 19,252
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,430 36,007 SH   SOLE   0 0 36,007
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,078 10,767 SH   SOLE   0 0 10,767
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,389 113,417 SH   SOLE   3,900 0 109,517
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 796 6,255 SH   SOLE   390 0 5,865
SELECT SECTOR SPDR TR ENERGY 81369Y506 430 8,256 SH   SOLE   3,200 0 5,056
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 357 9,500 SH   SOLE   0 0 9,500
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,739 84,111 SH   SOLE   2,704 0 81,407
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 7,473 116,982 SH   SOLE   4,505 0 112,477
SIGNATURE BK NEW YORK N Y COM 82669G104 1,254 4,607 SH   SOLE   50 0 4,557
SILVERGATE CAP CORP CL A 82837P408 2,611 22,610 SH   SOLE   0 0 22,610
SOUTHERN CO COM 842587107 2,119 34,194 SH   SOLE   1,375 0 32,819
SOUTHWEST AIRLS CO COM 844741108 2,833 55,085 SH   SOLE   0 0 55,085
SPDR GOLD TR GOLD SHS 78463V107 211 1,285 SH   SOLE   0 0 1,285
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,397 3,256 SH   SOLE   0 0 3,256
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 237 492 SH   SOLE   0 0 492
SPDR SER TR BLOMBERG BRC INV 78468R200 1,921 62,668 SH   SOLE   0 0 62,668
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 890 19,334 SH   SOLE   0 0 19,334
STONEX GROUP INC COM 861896108 4,518 68,560 SH   SOLE   0 0 68,560
STRYKER CORPORATION COM 863667101 933 3,537 SH   SOLE   150 0 3,387
SYSCO CORP COM 871829107 200 2,550 SH   SOLE   0 0 2,550
TARGET CORP COM 87612E106 383 1,674 SH   SOLE   200 0 1,474
TRUIST FINL CORP COM 89832Q109 1,305 22,258 SH   SOLE   1,550 0 20,708
TWITTER INC COM 90184L102 228 3,770 SH   SOLE   0 0 3,770
UNION PAC CORP COM 907818108 268 1,366 SH   SOLE   0 0 1,366
UNITED PARCEL SERVICE INC CL B 911312106 7,740 42,505 SH   SOLE   1,725 0 40,780
UNITEDHEALTH GROUP INC COM 91324P102 5,308 13,585 SH   SOLE   850 0 12,735
US BANCORP DEL COM NEW 902973304 7,731 130,065 SH   SOLE   4,725 0 125,340
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 615 2,400 SH   SOLE   0 0 2,400
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 235 2,866 SH   SOLE   0 0 2,866
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,227 14,357 SH   SOLE   350 0 14,007
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 837 2,122 SH   SOLE   0 0 2,122
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 225 1,614 SH   SOLE   0 0 1,614
VANGUARD INDEX FDS SM CP VAL ETF 922908611 854 5,047 SH   SOLE   420 0 4,627
VANGUARD INDEX FDS MID CAP ETF 922908629 14,631 61,796 SH   SOLE   1,066 0 60,730
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,193 6,540 SH   SOLE   1,550 0 4,990
VANGUARD INDEX FDS GROWTH ETF 922908736 59,225 204,106 SH   SOLE   4,316 0 199,790
VANGUARD INDEX FDS VALUE ETF 922908744 49,228 363,654 SH   SOLE   8,588 0 355,066
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,267 33,232 SH   SOLE   736 0 32,496
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,761 21,440 SH   SOLE   0 0 21,440
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,958 179,753 SH   SOLE   13,488 0 166,265
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,651 192,987 SH   SOLE   5,865 0 187,122
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 287 4,374 SH   SOLE   0 0 4,374
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,165 100,391 SH   SOLE   5,756 0 94,635
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 572 6,936 SH   SOLE   0 0 6,936
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,939 51,687 SH   SOLE   525 0 51,162
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 28,844 571,276 SH   SOLE   16,358 0 554,918
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,184 88,866 SH   SOLE   3,075 0 85,791
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 474 2,647 SH   SOLE   0 0 2,647
VERIZON COMMUNICATIONS INC COM 92343V104 17,047 315,623 SH   SOLE   9,231 0 306,392
VISA INC COM CL A 92826C839 918 4,119 SH   SOLE   0 0 4,119
VONAGE HLDGS CORP COM 92886T201 1,384 85,879 SH   SOLE   0 0 85,879
WALGREENS BOOTS ALLIANCE INC COM 931427108 295 6,275 SH   SOLE   350 0 5,925
WALMART INC COM 931142103 3,321 23,825 SH   SOLE   1,930 0 21,895
WASTE MGMT INC DEL COM 94106L109 2,914 19,510 SH   SOLE   1,535 0 17,975
WATERS CORP COM 941848103 304 850 SH   SOLE   0 0 850
WELLS FARGO CO NEW COM 949746101 700 15,092 SH   SOLE   1,211 0 13,881
WESTPORT FUEL SYSTEMS INC COM NEW 960908309 628 190,893 SH   SOLE   0 0 190,893
WEX INC COM 96208T104 361 2,048 SH   SOLE   0 0 2,048
WEYERHAEUSER CO MTN BE COM NEW 962166104 4,761 133,851 SH   SOLE   5,295 0 128,556
WISDOMTREE TR EM EX ST-OWNED 97717X578 3,431 91,940 SH   SOLE   0 0 91,940
XCEL ENERGY INC COM 98389B100 268 4,288 SH   SOLE   0 0 4,288
YUM BRANDS INC COM 988498101 524 4,288 SH   SOLE   364 0 3,924