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 735 4,140 SH   SOLE   4,140 0 0
ABBOTT LABS COM 002824100 541 3,846 SH   SOLE   3,846 0 0
ABBVIE INC COM 00287Y109 569 4,200 SH   SOLE   4,200 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 204 360 SH   SOLE   360 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 266 5,450 SH   SOLE   5,450 0 0
ALPHABET INC CAP STK CL A 02079K305 594 205 SH   SOLE   155 0 50
ALPHABET INC CAP STK CL C 02079K107 1,346 465 SH   SOLE   465 0 0
AMAZON COM INC COM 023135106 3,294 988 SH   SOLE   987 0 1
AMERICAN EXPRESS CO COM 025816109 215 1,315 SH   SOLE   1,315 0 0
APPLE INC COM 037833100 8,426 47,449 SH   SOLE   44,917 0 2,532
ARK ETF TR INNOVATION ETF 00214Q104 259 2,737 SH   SOLE   2,737 0 0
AT&T INC COM 00206R102 862 35,035 SH   SOLE   34,347 0 688
AUTOMATIC DATA PROCESSING IN COM 053015103 280 1,137 SH   SOLE   1,137 0 0
AUTOZONE INC COM 053332102 3,495 1,667 SH   SOLE   1,667 0 0
BK OF AMERICA CORP COM 060505104 345 7,756 SH   SOLE   4,124 0 3,632
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,155 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 10,556 35,303 SH   SOLE   33,316 0 1,987
BRISTOL-MYERS SQUIBB CO COM 110122108 443 7,098 SH   SOLE   6,685 0 413
CSX CORP COM 126408103 223 5,933 SH   SOLE   5,933 0 0
CANADIAN PAC RY LTD COM 13645T100 416 5,781 SH   SOLE   5,781 0 0
CARMAX INC COM 143130102 437 3,352 SH   SOLE   3,352 0 0
SCHWAB CHARLES CORP COM 808513105 974 11,587 SH   SOLE   11,587 0 0
CHEVRON CORP NEW COM 166764100 517 4,408 SH   SOLE   3,956 0 452
CISCO SYS INC COM 17275R102 380 6,004 SH   SOLE   6,004 0 0
COCA COLA CO COM 191216100 1,287 21,736 SH   SOLE   21,336 0 400
COSTCO WHSL CORP NEW COM 22160K105 621 1,094 SH   SOLE   1,094 0 0
CREDIT ACCEP CORP MICH COM 225310101 333 484 SH   SOLE   484 0 0
CVS HEALTH CORP COM 126650100 536 5,200 SH   SOLE   5,200 0 0
DANAHER CORPORATION COM 235851102 397 1,207 SH   SOLE   1,207 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 670 12,952 SH   SOLE   12,952 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 313 5,217 SH   SOLE   5,217 0 0
DOMINION ENERGY INC COM 25746U109 486 6,182 SH   SOLE   6,182 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 14,970 41,203 SH   SOLE   39,293 0 1,910
DUKE ENERGY CORP NEW COM NEW 26441C204 322 3,074 SH   SOLE   2,913 0 161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 454 15,341 SH   SOLE   15,341 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 900 20,987 SH   SOLE   20,987 0 0
EMERSON ELEC CO COM 291011104 323 3,476 SH   SOLE   2,246 0 1,230
ENTERPRISE PRODS PARTNERS L COM 293792107 218 9,912 SH   SOLE   9,912 0 0
EXPEDITORS INTL WASH INC COM 302130109 1,338 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 1,597 26,092 SH   SOLE   22,902 0 3,190
META PLATFORMS INC CL A 30303M102 425 1,263 SH   SOLE   1,263 0 0
FASTENAL CO COM 311900104 557 8,688 SH   SOLE   8,688 0 0
FEDEX CORP COM 31428X106 2,093 8,090 SH   SOLE   7,805 0 285
FIRST HORIZON CORPORATION COM 320517105 199 12,171 SH   SOLE   10,648 0 1,523
GENERAC HLDGS INC COM 368736104 220 625 SH   SOLE   175 0 450
GENERAL DYNAMICS CORP COM 369550108 325 1,557 SH   SOLE   1,557 0 0
GLOBE LIFE INC COM 37959E102 639 6,814 SH   SOLE   6,814 0 0
HOME DEPOT INC COM 437076102 1,308 3,152 SH   SOLE   2,785 0 367
INTERNATIONAL BUSINESS MACHS COM 459200101 774 5,791 SH   SOLE   5,791 0 0
IDEXX LABS INC COM 45168D104 5,198 7,894 SH   SOLE   7,894 0 0
INTEL CORP COM 458140100 290 5,631 SH   SOLE   5,631 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,870 511,203 SH   SOLE   488,258 0 22,945
INVESCO QQQ TR UNIT SER 1 46090E103 949 2,386 SH   SOLE   2,386 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 499 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 474 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 385 7,638 SH   SOLE   7,638 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,524 3,195 SH   SOLE   3,195 0 0
ISHARES TR HDG MSCI EAFE 46434V803 761 21,531 SH   SOLE   21,531 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,646 52,153 SH   SOLE   52,153 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,218 10,680 SH   SOLE   259 0 10,421
ISHARES TR MORNINGSTAR GRWT 464287119 778 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109 354 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 925 13,014 SH   SOLE   13,014 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 5,081 69,380 SH   SOLE   68,714 0 666
ISHARES TR MRGSTR MD CP VAL 464288406 306 4,476 SH   SOLE   4,476 0 0
ISHARES TR MBS ETF 464288588 361 3,360 SH   SOLE   3,360 0 0
ISHARES TR MSCI EAFE ETF 464287465 900 11,435 SH   SOLE   11,435 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 12,274 337,396 SH   SOLE   320,140 0 17,256
ISHARES TR US OIL GS EX ETF 464288851 203 3,315 SH   SOLE   3,315 0 0
ISHARES TR RUS 1000 ETF 464287622 317 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 396 4,736 SH   SOLE   4,736 0 0
ISHARES TR S&P 500 VAL ETF 464287408 970 6,194 SH   SOLE   6,194 0 0
ISHARES TR S&P MC 400GR ETF 464287606 203 2,380 SH   SOLE   2,380 0 0
ISHARES TR CORE S&P SCP ETF 464287804 16,264 142,028 SH   SOLE   135,322 0 6,706
ISHARES TR BLACKROCK ULTRA 46434V878 396 7,850 SH   SOLE   7,850 0 0
JD.COM INC SPON ADR CL A 47215P106 612 8,729 SH   SOLE   8,729 0 0
JOHNSON & JOHNSON COM 478160104 2,501 14,617 SH   SOLE   14,417 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 226 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 791 4,995 SH   SOLE   4,141 0 854
LILLY ELI & CO COM 532457108 411 1,488 SH   SOLE   1,488 0 0
LINCOLN NATL CORP IND COM 534187109 320 4,683 SH   SOLE   4,683 0 0
MASTERCARD INCORPORATED CL A 57636Q104 483 1,343 SH   SOLE   1,078 0 265
MCDONALDS CORP COM 580135101 493 1,838 SH   SOLE   1,638 0 200
MERCK & CO INC COM 58933Y105 392 5,113 SH   SOLE   5,113 0 0
MICROSOFT CORP COM 594918104 4,745 14,108 SH   SOLE   13,652 0 456
MID-AMER APT CMNTYS INC COM 59522J103 1,675 7,302 SH   SOLE   7,302 0 0
MODERNA INC COM 60770K107 473 1,863 SH   SOLE   1,663 0 200
MONDELEZ INTL INC CL A 609207105 336 5,069 SH   SOLE   4,569 0 500
NEXTERA ENERGY INC COM 65339F101 1,182 12,656 SH   SOLE   12,306 0 350
NIKE INC CL B 654106103 425 2,552 SH   SOLE   2,552 0 0
NVIDIA CORPORATION COM 67066G104 1,192 4,052 SH   SOLE   2,952 0 1,100
ORACLE CORP COM 68389X105 288 3,308 SH   SOLE   3,308 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 350 496 SH   SOLE   496 0 0
PEPSICO INC COM 713448108 1,199 6,901 SH   SOLE   6,901 0 0
PFIZER INC COM 717081103 1,437 24,338 SH   SOLE   22,638 0 1,700
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,674 16,485 SH   SOLE   16,485 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 804 8,417 SH   SOLE   1,568 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,743 22,881 SH   SOLE   22,881 0 0
PROGRESSIVE CORP COM 743315103 1,598 15,566 SH   SOLE   15,566 0 0
PUBLIC STORAGE COM 74460D109 644 1,720 SH   SOLE   1,720 0 0
QUALCOMM INC COM 747525103 224 1,227 SH   SOLE   1,227 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 326 3,783 SH   SOLE   2,508 0 1,275
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 331 4,722 SH   SOLE   4,722 0 0
ROCKWELL AUTOMATION INC COM 773903109 246 706 SH   SOLE   706 0 0
ROYAL BK CDA COM 780087102 408 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,372 2,888 SH   SOLE   2,888 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 299 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,122 43,737 SH   SOLE   39,027 0 4,710
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,481 29,129 SH   SOLE   28,979 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,129 23,859 SH   SOLE   23,859 0 0
SPDR SER TR S&P DIVID ETF 78464A763 352 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409 65 10,460 SH   SOLE   10,460 0 0
TJX COS INC NEW COM 872540109 1,681 22,140 SH   SOLE   22,140 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,736 82,523 SH   SOLE   75,488 0 7,035
TESLA INC COM 88160R101 815 771 SH   SOLE   771 0 0
TEXAS INSTRS INC COM 882508104 278 1,477 SH   SOLE   1,477 0 0
SOUTHERN CO COM 842587107 407 5,932 SH   SOLE   5,537 0 395
TRACTOR SUPPLY CO COM 892356106 976 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 598 10,205 SH   SOLE   5,673 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 734 6,497 SH   SOLE   6,497 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 38,786 479,842 SH   SOLE   460,199 0 19,644
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 26,852 163,982 SH   SOLE   157,010 0 6,972
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 919 8,076 SH   SOLE   8,076 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,542 266,888 SH   SOLE   253,279 0 13,609
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 26,213 325,913 SH   SOLE   311,643 0 14,269
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,060 29,880 SH   SOLE   29,024 0 856
UNION PAC CORP COM 907818108 1,784 7,082 SH   SOLE   7,082 0 0
UNITED PARCEL SERVICE INC CL B 911312106 717 3,344 SH   SOLE   3,344 0 0
UNITEDHEALTH GROUP INC COM 91324P102 229 456 SH   SOLE   456 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 3,268 42,935 SH   SOLE   39,655 0 3,280
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 300 1,747 SH   SOLE   1,504 0 243
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 11,460 167,933 SH   SOLE   159,532 0 8,401
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 341 1,280 SH   SOLE   1,280 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 466 1,830 SH   SOLE   1,830 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 357 6,760 SH   SOLE   6,760 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 475 4,096 SH   SOLE   4,096 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 963 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 979 4,092 SH   SOLE   0 0 4,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 268 1,500 SH   SOLE   1,500 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 525 9,565 SH   SOLE   9,565 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 635 9,992 SH   SOLE   9,992 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,095 4,536 SH   SOLE   4,536 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,693 33,885 SH   SOLE   30,835 0 3,050
VANGUARD INDEX FDS VALUE ETF 922908744 340 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 799 15,385 SH   SOLE   15,285 0 100
VIRTUS ETF TR II SEIX SR LN ETF 92790A405 526 21,024 SH   SOLE   21,024 0 0
VISA INC COM CL A 92826C839 1,355 6,251 SH   SOLE   5,809 0 442
WALGREENS BOOTS ALLIANCE INC COM 931427108 367 7,031 SH   SOLE   6,327 0 704
WALMART INC COM 931142103 2,801 19,358 SH   SOLE   19,158 0 200
DISNEY WALT CO COM 254687106 513 3,312 SH   SOLE   1,897 0 1,415
WASTE MGMT INC DEL COM 94106L109 226 1,352 SH   SOLE   1,352 0 0
WELLS FARGO CO NEW COM 949746101 569 11,850 SH   SOLE   8,868 0 2,982
WEYERHAEUSER CO MTN BE COM NEW 962166104 206 5,006 SH   SOLE   5,006 0 0
WEC ENERGY GROUP INC COM 92939U106 327 3,365 SH   SOLE   3,365 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 16,744 366,000 SH   SOLE   350,095 0 15,905