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 465 4,209 SH   SOLE   4,209 0 0
ABBOTT LABS COM 002824100 361 3,729 SH   SOLE   3,729 0 0
ABBVIE INC COM 00287Y109 581 4,325 SH   SOLE   4,325 0 0
ALPHABET INC CAP STK CL A 02079K305 394 4,120 SH   SOLE   4,120 0 0
ALPHABET INC CAP STK CL C 02079K107 877 9,117 SH   SOLE   9,117 0 0
AMAZON COM INC COM 023135106 2,379 21,050 SH   SOLE   21,030 0 20
APPLE INC COM 037833100 6,155 44,534 SH   SOLE   41,882 0 2,652
AT&T INC COM 00206R102 588 38,313 SH   SOLE   37,625 0 688
AUTOMATIC DATA PROCESSING IN COM 053015103 257 1,137 SH   SOLE   1,137 0 0
AUTOZONE INC COM 053332102 3,571 1,667 SH   SOLE   1,667 0 0
BK OF AMERICA CORP COM 060505104 376 12,448 SH   SOLE   9,248 0 3,200
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,845 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,453 35,400 SH   SOLE   33,167 0 2,233
BRISTOL-MYERS SQUIBB CO COM 110122108 572 8,049 SH   SOLE   7,636 0 413
CANADIAN PAC RY LTD COM 13645T100 381 5,706 SH   SOLE   5,706 0 0
CARMAX INC COM 143130102 221 3,352 SH   SOLE   3,352 0 0
SCHWAB CHARLES CORP COM 808513105 898 12,499 SH   SOLE   12,499 0 0
CHEVRON CORP NEW COM 166764100 633 4,407 SH   SOLE   3,955 0 452
CIGNA CORP NEW COM 125523100 267 964 SH   SOLE   964 0 0
CISCO SYS INC COM 17275R102 253 6,325 SH   SOLE   6,325 0 0
COCA COLA CO COM 191216100 1,207 21,543 SH   SOLE   21,143 0 400
COSTCO WHSL CORP NEW COM 22160K105 537 1,138 SH   SOLE   1,138 0 0
CREDIT ACCEP CORP MICH COM 225310101 212 484 SH   SOLE   484 0 0
CROWN HLDGS INC COM 228368106 364 4,494 SH   SOLE   4,494 0 0
CVS HEALTH CORP COM 126650100 496 5,200 SH   SOLE   5,200 0 0
DANAHER CORPORATION COM 235851102 307 1,189 SH   SOLE   1,189 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 503 12,952 SH   SOLE   12,952 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 243 5,217 SH   SOLE   5,217 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 254 8,580 SH   SOLE   8,580 0 0
DOMINION ENERGY INC COM 25746U109 427 6,182 SH   SOLE   6,182 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 4,930 17,159 SH   SOLE   16,776 0 383
DUKE ENERGY CORP NEW COM NEW 26441C204 281 3,022 SH   SOLE   2,861 0 161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 287 12,833 SH   SOLE   12,833 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 255 9,572 SH   SOLE   9,572 0 0
EMERSON ELEC CO COM 291011104 384 5,251 SH   SOLE   4,151 0 1,100
ENTERPRISE PRODS PARTNERS L COM 293792107 236 9,912 SH   SOLE   9,912 0 0
EXPEDITORS INTL WASH INC COM 302130109 880 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 2,224 25,475 SH   SOLE   22,785 0 2,690
FASTENAL CO COM 311900104 400 8,688 SH   SOLE   8,688 0 0
FEDEX CORP COM 31428X106 1,334 8,987 SH   SOLE   8,537 0 450
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 325 10,703 SH   SOLE   10,703 0 0
FIRST HORIZON CORPORATION COM 320517105 279 12,202 SH   SOLE   10,679 0 1,523
GENERAC HLDGS INC COM 368736104 267 1,500 SH   SOLE   1,500 0 0
GENERAL DYNAMICS CORP COM 369550108 328 1,547 SH   SOLE   1,547 0 0
GLOBE LIFE INC COM 37959E102 680 6,821 SH   SOLE   6,821 0 0
HOME DEPOT INC COM 437076102 955 3,460 SH   SOLE   2,924 0 536
HONEYWELL INTL INC COM 438516106 302 1,808 SH   SOLE   1,258 0 550
INTERNATIONAL BUSINESS MACHS COM 459200101 726 6,107 SH   SOLE   6,107 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 9,784 392,146 SH   SOLE   375,008 0 17,138
ISHARES TR IBONDS DEC24 ETF 46434VBG4 9,712 398,831 SH   SOLE   381,458 0 17,373
ISHARES TR IBONDS DEC25 ETF 46434VBD1 9,655 400,139 SH   SOLE   382,734 0 17,405
ISHARES TR IBONDS DEC2026 46435GAA0 306 13,250 SH   SOLE   12,530 0 720
IDEXX LABS INC COM 45168D104 2,569 7,885 SH   SOLE   7,885 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,072 606,888 SH   SOLE   582,876 0 24,012
INVESCO QQQ TR UNIT SER 1 46090E103 708 2,649 SH   SOLE   2,649 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 359 1,334 SH   SOLE   1,269 0 65
ISHARES TR CORE S&P MCP ETF 464287507 367 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,114 3,106 SH   SOLE   3,078 0 28
ISHARES TR HDG MSCI EAFE 46434V803 544 18,185 SH   SOLE   18,185 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 1,714 34,105 SH   SOLE   34,105 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,159 12,035 SH   SOLE   0 0 12,035
ISHARES TR MORNINGSTAR GRWT 464287119 523 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109 287 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 616 11,440 SH   SOLE   11,440 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 3,304 65,578 SH   SOLE   64,912 0 666
ISHARES TR MRGSTR MD CP VAL 464288406 250 4,476 SH   SOLE   4,476 0 0
ISHARES TR MSCI EAFE ETF 464287465 622 11,112 SH   SOLE   11,112 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 2,773 92,596 SH   SOLE   89,662 0 2,934
ISHARES TR RUS 1000 ETF 464287622 237 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 277 4,789 SH   SOLE   4,789 0 0
ISHARES TR S&P 500 VAL ETF 464287408 681 5,298 SH   SOLE   5,298 0 0
ISHARES TR NATIONAL MUN ETF 464288414 282 2,750 SH   SOLE   2,750 0 0
ISHARES TR CORE S&P SCP ETF 464287804 12,923 148,215 SH   SOLE   141,623 0 6,592
JD.COM INC SPON ADR CL A 47215P106 341 6,779 SH   SOLE   6,779 0 0
JOHNSON & JOHNSON COM 478160104 2,437 14,920 SH   SOLE   14,720 0 200
JOHNSON CTLS INTL PLC SHS G51502105 296 6,020 SH   SOLE   4,020 0 2,000
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 225 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 560 5,355 SH   SOLE   5,355 0 0
LILLY ELI & CO COM 532457108 520 1,608 SH   SOLE   1,608 0 0
LINCOLN NATL CORP IND COM 534187109 206 4,683 SH   SOLE   4,683 0 0
MASTERCARD INCORPORATED CL A 57636Q104 303 1,065 SH   SOLE   1,065 0 0
MCDONALDS CORP COM 580135101 397 1,722 SH   SOLE   1,522 0 200
MERCK & CO INC COM 58933Y105 474 5,503 SH   SOLE   5,503 0 0
MICROSOFT CORP COM 594918104 3,446 14,795 SH   SOLE   14,245 0 550
MID-AMER APT CMNTYS INC COM 59522J103 1,147 7,394 SH   SOLE   7,394 0 0
MODERNA INC COM 60770K107 245 2,070 SH   SOLE   2,070 0 0
MONDELEZ INTL INC CL A 609207105 283 5,159 SH   SOLE   4,659 0 500
NEXTERA ENERGY INC COM 65339F101 1,000 12,750 SH   SOLE   12,400 0 350
NIKE INC CL B 654106103 209 2,510 SH   SOLE   2,510 0 0
NVIDIA CORPORATION COM 67066G104 817 6,726 SH   SOLE   5,736 0 990
OREILLY AUTOMOTIVE INC COM 67103H107 349 496 SH   SOLE   496 0 0
PEPSICO INC COM 713448108 1,117 6,844 SH   SOLE   6,844 0 0
PFIZER INC COM 717081103 970 22,171 SH   SOLE   22,171 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 873 8,826 SH   SOLE   8,826 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 683 8,418 SH   SOLE   1,569 0 6,849
PROCTER AND GAMBLE CO COM 742718109 2,878 22,793 SH   SOLE   22,793 0 0
PROGRESSIVE CORP COM 743315103 1,833 15,775 SH   SOLE   15,775 0 0
PUBLIC STORAGE COM 74460D109 504 1,720 SH   SOLE   1,720 0 0
QUALCOMM INC COM 747525103 235 2,082 SH   SOLE   2,082 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 306 3,743 SH   SOLE   3,743 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 203 4,900 SH   SOLE   4,900 0 0
ROCKWELL AUTOMATION INC COM 773903109 210 977 SH   SOLE   977 0 0
ROYAL BK CDA COM 780087102 346 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,053 2,949 SH   SOLE   2,949 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 232 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 11,020 550,704 SH   SOLE   523,974 0 26,730
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,019 21,124 SH   SOLE   20,974 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 709 17,645 SH   SOLE   17,645 0 0
SPDR SER TR S&P DIVID ETF 78464A763 304 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409 30 16,560 SH   SOLE   16,560 0 0
TJX COS INC NEW COM 872540109 1,373 22,104 SH   SOLE   22,104 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,076 98,870 SH   SOLE   94,605 0 4,265
TEXAS INSTRS INC COM 882508104 211 1,364 SH   SOLE   1,364 0 0
SOUTHERN CO COM 842587107 410 6,031 SH   SOLE   5,636 0 395
TRACTOR SUPPLY CO COM 892356106 760 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 415 9,524 SH   SOLE   4,992 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 556 13,238 SH   SOLE   13,238 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 35,870 539,964 SH   SOLE   519,949 0 20,015
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,957 321,746 SH   SOLE   308,946 0 12,800
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 594 14,024 SH   SOLE   14,024 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,959 255,659 SH   SOLE   244,049 0 11,610
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 20,959 346,255 SH   SOLE   332,838 0 13,417
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,197 31,675 SH   SOLE   31,497 0 178
UNION PAC CORP COM 907818108 1,363 6,994 SH   SOLE   6,994 0 0
UNITED PARCEL SERVICE INC CL B 911312106 578 3,579 SH   SOLE   3,579 0 0
UNITED RENTALS INC COM 911363109 216 800 SH   SOLE   800 0 0
UNITEDHEALTH GROUP INC COM 91324P102 215 426 SH   SOLE   426 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 13,578 226,346 SH   SOLE   214,978 0 11,368
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 231 1,712 SH   SOLE   1,504 0 208
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 5,220 113,110 SH   SOLE   106,688 0 6,422
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 287 1,284 SH   SOLE   1,284 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 238 1,267 SH   SOLE   1,267 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 632 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 661 3,773 SH   SOLE   0 0 3,773
VANGUARD INDEX FDS SM CP VAL ETF 922908611 215 1,500 SH   SOLE   1,500 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 267 5,555 SH   SOLE   5,555 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 457 9,993 SH   SOLE   9,993 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 858 4,780 SH   SOLE   4,780 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 984 20,105 SH   SOLE   18,955 0 1,150
VANGUARD INDEX FDS VALUE ETF 922908744 362 2,932 SH   SOLE   1,593 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 620 16,339 SH   SOLE   16,339 0 0
VISA INC COM CL A 92826C839 997 5,613 SH   SOLE   5,613 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 217 6,914 SH   SOLE   6,210 0 704
WALMART INC COM 931142103 2,362 18,215 SH   SOLE   18,015 0 200
DISNEY WALT CO COM 254687106 398 4,220 SH   SOLE   2,220 0 2,000
WASTE MGMT INC DEL COM 94106L109 217 1,352 SH   SOLE   1,352 0 0
WELLS FARGO CO NEW COM 949746101 477 11,850 SH   SOLE   11,850 0 0
WEC ENERGY GROUP INC COM 92939U106 298 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 13,309 370,825 SH   SOLE   356,514 0 14,311