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
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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 800 4,026 SH   SOLE   4,026 0 0
ABBOTT LABS COM 002824100 429 3,696 SH   SOLE   3,696 0 0
ABBVIE INC COM 00287Y109 478 4,245 SH   SOLE   4,145 0 100
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 254 5,450 SH   SOLE   5,450 0 0
ALPHABET INC CAP STK CL A 02079K305 420 172 SH   SOLE   122 0 50
ALPHABET INC CAP STK CL C 02079K107 1,023 408 SH   SOLE   408 0 0
AMAZON COM INC COM 023135106 2,676 778 SH   SOLE   748 0 30
AMERICAN EXPRESS CO COM 025816109 210 1,270 SH   SOLE   1,270 0 0
APPLE INC COM 037833100 6,150 44,905 SH   SOLE   41,173 0 3,732
ARK ETF TR GENOMIC REV ETF 00214Q302 253 2,736 SH   SOLE   2,736 0 0
ARK ETF TR INNOVATION ETF 00214Q104 337 2,576 SH   SOLE   2,576 0 0
AT&T INC COM 00206R102 1,094 38,004 SH   SOLE   33,490 0 4,514
AUTOMATIC DATA PROCESSING IN COM 053015103 222 1,120 SH   SOLE   1,120 0 0
AUTOZONE INC COM 053332102 2,488 1,667 SH   SOLE   1,667 0 0
BK OF AMERICA CORP COM 060505104 244 5,930 SH   SOLE   3,078 0 2,852
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,930 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 10,000 35,980 SH   SOLE   33,665 0 2,315
BRISTOL-MYERS SQUIBB CO COM 110122108 556 8,325 SH   SOLE   7,912 0 413
CARMAX INC COM 143130102 424 3,285 SH   SOLE   3,285 0 0
SCHWAB CHARLES CORP COM 808513105 840 11,542 SH   SOLE   11,542 0 0
CHEVRON CORP NEW COM 166764100 433 4,134 SH   SOLE   3,382 0 752
CISCO SYS INC COM 17275R102 312 5,883 SH   SOLE   5,883 0 0
COCA COLA CO COM 191216100 1,145 21,153 SH   SOLE   20,753 0 400
COSTCO WHSL CORP NEW COM 22160K105 408 1,031 SH   SOLE   1,031 0 0
CREDIT ACCEP CORP MICH COM 225310101 220 484 SH   SOLE   484 0 0
CVS HEALTH CORP COM 126650100 426 5,100 SH   SOLE   5,100 0 0
DANAHER CORPORATION COM 235851102 308 1,147 SH   SOLE   1,147 0 0
DOMINION ENERGY INC COM 25746U109 438 5,952 SH   SOLE   5,952 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 14,320 41,512 SH   SOLE   38,734 0 2,778
DUKE ENERGY CORP NEW COM NEW 26441C204 294 2,978 SH   SOLE   2,817 0 161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 507 15,406 SH   SOLE   15,406 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 1,325 20,910 SH   SOLE   20,910 0 0
EMERSON ELEC CO COM 291011104 306 3,180 SH   SOLE   2,210 0 970
ENTERPRISE PRODS PARTNERS L COM 293792107 232 9,618 SH   SOLE   9,618 0 0
EXPEDITORS INTL WASH INC COM 302130109 1,261 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 1,673 26,514 SH   SOLE   23,324 0 3,190
FACEBOOK INC CL A 30303M102 389 1,118 SH   SOLE   1,118 0 0
FASTENAL CO COM 311900104 435 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 2,271 7,614 SH   SOLE   7,089 0 525
FIRST HORIZON CORPORATION COM 320517105 208 12,036 SH   SOLE   10,513 0 1,523
GENERAC HLDGS INC COM 368736104 268 645 SH   SOLE   195 0 450
GENERAL DYNAMICS CORP COM 369550108 290 1,543 SH   SOLE   1,543 0 0
GENERAL ELECTRIC CO COM 369604103 208 15,431 SH   SOLE   15,171 0 260
GLOBE LIFE INC COM 37959E102 660 6,924 SH   SOLE   6,924 0 0
HOME DEPOT INC COM 437076102 916 2,871 SH   SOLE   2,208 0 663
INTERNATIONAL BUSINESS MACHS COM 459200101 919 6,266 SH   SOLE   6,266 0 0
IDEXX LABS INC COM 45168D104 5,066 8,021 SH   SOLE   8,021 0 0
INTEL CORP COM 458140100 278 4,946 SH   SOLE   4,946 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,518 494,759 SH   SOLE   466,841 0 27,918
INVESCO QQQ TR UNIT SER 1 46090E103 1,103 3,113 SH   SOLE   3,113 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 440 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 450 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 510 9,939 SH   SOLE   9,939 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,369 3,185 SH   SOLE   3,185 0 0
ISHARES TR HDG MSCI EAFE 46434V803 792 22,873 SH   SOLE   22,873 0 0
ISHARES TR EAFE GRWTH ETF 464288885 231 2,152 SH   SOLE   2,152 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 596 11,727 SH   SOLE   11,727 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,236 10,715 SH   SOLE   294 0 10,421
ISHARES TR MORNINGSTAR GRWT 464287119 701 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109 329 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 883 13,172 SH   SOLE   13,172 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 5,090 73,893 SH   SOLE   67,761 0 6,132
ISHARES TR MRGSTR MD CP VAL 464288406 287 4,476 SH   SOLE   4,476 0 0
ISHARES TR MBS ETF 464288588 415 3,833 SH   SOLE   3,833 0 0
ISHARES TR MSCI EAFE ETF 464287465 737 9,346 SH   SOLE   9,346 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 11,104 325,541 SH   SOLE   304,243 0 21,298
ISHARES TR RUS 1000 ETF 464287622 290 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 343 4,716 SH   SOLE   4,716 0 0
ISHARES TR S&P 500 VAL ETF 464287408 938 6,354 SH   SOLE   6,354 0 0
ISHARES TR CORE S&P SCP ETF 464287804 15,899 140,720 SH   SOLE   134,393 0 6,327
ISHARES TR BLACKROCK ULTRA 46434V878 389 7,700 SH   SOLE   7,700 0 0
JD.COM INC SPON ADR CL A 47215P106 697 8,729 SH   SOLE   8,729 0 0
JOHNSON & JOHNSON COM 478160104 2,378 14,434 SH   SOLE   14,234 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 227 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 669 4,304 SH   SOLE   3,550 0 754
KANSAS CITY SOUTHERN COM NEW 485170302 384 1,355 SH   SOLE   1,355 0 0
LILLY ELI & CO COM 532457108 258 1,126 SH   SOLE   1,126 0 0
LINCOLN NATL CORP IND COM 534187109 420 6,683 SH   SOLE   6,683 0 0
MASTERCARD INCORPORATED CL A 57636Q104 450 1,233 SH   SOLE   998 0 235
MCDONALDS CORP COM 580135101 391 1,695 SH   SOLE   1,495 0 200
MERCK & CO INC COM 58933Y105 386 4,957 SH   SOLE   4,957 0 0
MICROSOFT CORP COM 594918104 3,689 13,616 SH   SOLE   13,160 0 456
MID-AMER APT CMNTYS INC COM 59522J103 1,204 7,150 SH   SOLE   7,150 0 0
MODERNA INC COM 60770K107 421 1,791 SH   SOLE   1,791 0 0
MONDELEZ INTL INC CL A 609207105 325 5,206 SH   SOLE   4,706 0 500
NEXTERA ENERGY INC COM 65339F101 929 12,677 SH   SOLE   12,327 0 350
NIKE INC CL B 654106103 379 2,452 SH   SOLE   2,452 0 0
NVIDIA CORPORATION COM 67066G104 787 983 SH   SOLE   708 0 275
ORACLE CORP COM 68389X105 242 3,104 SH   SOLE   3,104 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 268 474 SH   SOLE   474 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 478 3,855 SH   SOLE   3,855 0 0
PEPSICO INC COM 713448108 985 6,646 SH   SOLE   6,646 0 0
PFIZER INC COM 717081103 873 22,286 SH   SOLE   21,086 0 1,200
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,467 14,385 SH   SOLE   14,385 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 743 8,417 SH   SOLE   1,568 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,098 22,960 SH   SOLE   22,960 0 0
PROGRESSIVE CORP COM 743315103 1,525 15,525 SH   SOLE   15,525 0 0
PUBLIC STORAGE COM 74460D109 517 1,720 SH   SOLE   1,720 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 274 3,208 SH   SOLE   1,993 0 1,215
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 259 3,976 SH   SOLE   3,976 0 0
ROYAL BK CDA COM 780087102 390 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,456 3,401 SH   SOLE   3,401 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 284 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 939 36,530 SH   SOLE   33,365 0 3,165
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,024 19,984 SH   SOLE   19,834 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 789 16,289 SH   SOLE   16,289 0 0
SPDR SER TR S&P DIVID ETF 78464A763 333 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409 101 10,460 SH   SOLE   10,460 0 0
TJX COS INC NEW COM 872540109 1,488 22,074 SH   SOLE   22,074 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,287 72,341 SH   SOLE   66,386 0 5,955
TESLA INC COM 88160R101 572 841 SH   SOLE   841 0 0
TEXAS INSTRS INC COM 882508104 293 1,522 SH   SOLE   1,522 0 0
SOUTHERN CO COM 842587107 321 5,305 SH   SOLE   4,755 0 550
TRACTOR SUPPLY CO COM 892356106 761 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 672 12,101 SH   SOLE   7,569 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 677 6,497 SH   SOLE   6,497 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 34,754 459,591 SH   SOLE   431,541 0 28,050
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,480 167,714 SH   SOLE   157,601 0 10,113
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 999 9,613 SH   SOLE   9,613 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,826 260,726 SH   SOLE   242,847 0 17,879
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 25,251 322,612 SH   SOLE   308,170 0 14,441
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,055 29,327 SH   SOLE   25,113 0 4,214
UNION PAC CORP COM 907818108 1,513 6,880 SH   SOLE   6,880 0 0
UNITED PARCEL SERVICE INC CL B 911312106 695 3,344 SH   SOLE   3,344 0 0
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 2,900 39,155 SH   SOLE   36,475 0 2,680
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 250 1,617 SH   SOLE   1,504 0 113
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10,776 160,211 SH   SOLE   149,916 0 10,295
VANGUARD INDEX FDS MID CAP ETF 922908629 424 1,785 SH   SOLE   1,785 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 415 7,781 SH   SOLE   7,781 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 409 4,019 SH   SOLE   4,019 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 838 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 936 4,092 SH   SOLE   0 0 4,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 260 1,500 SH   SOLE   1,500 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 667 10,151 SH   SOLE   10,151 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 952 4,273 SH   SOLE   4,273 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 318 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 768 13,704 SH   SOLE   13,604 0 100
VISA INC COM CL A 92826C839 1,451 6,207 SH   SOLE   5,811 0 396
WALGREENS BOOTS ALLIANCE INC COM 931427108 362 6,887 SH   SOLE   6,183 0 704
WALMART INC COM 931142103 2,727 19,335 SH   SOLE   19,135 0 200
DISNEY WALT CO COM 254687106 467 2,657 SH   SOLE   692 0 1,965
WASTE MGMT INC DEL COM 94106L109 200 1,428 SH   SOLE   1,428 0 0
WELLS FARGO CO NEW COM 949746101 531 11,715 SH   SOLE   9,168 0 2,547
WEC ENERGY GROUP INC COM 92939U106 297 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 15,564 352,773 SH   SOLE   334,329 0 18,444