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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   330,802 3,026 SH   SOLE   0 0 3,026
ABBOTT LABS COM 002824100   431,397 3,919 SH   SOLE   0 0 3,919
ABBVIE INC COM 00287Y109   760,509 4,907 SH   SOLE   0 0 4,907
ADOBE INC COM 00724F101   231,481 388 SH   SOLE   0 0 388
ALPHABET INC CAP STK CL A 02079K305   387,919 2,777 SH   SOLE   0 0 2,777
ALPHABET INC CAP STK CL C 02079K107   1,223,695 8,683 SH   SOLE   0 0 8,683
AMAZON COM INC COM 023135106   2,724,588 17,932 SH   SOLE   0 0 17,932
AMERICAN EXPRESS CO COM 025816109   246,352 1,315 SH   SOLE   0 0 1,315
AMERICAN TOWER CORP NEW COM 03027X100   224,083 1,038 SH   SOLE   0 0 1,038
APPLE INC COM 037833100   8,243,031 42,814 SH   SOLE   0 0 42,814
AT&T INC COM 00206R102   779,746 46,469 SH   SOLE   0 0 46,469
AUTOMATIC DATA PROCESSING IN COM 053015103   264,887 1,137 SH   SOLE   0 0 1,137
AUTOZONE INC COM 053332102   6,771,713 2,619 SH   SOLE   0 0 2,619
BANK AMERICA CORP COM 060505104   652,603 19,382 SH   SOLE   0 0 19,382
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,255,750 600 SH   SOLE   0 0 600
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,679,263 35,550 SH   SOLE   0 0 35,550
BOOKING HOLDINGS INC COM 09857L108   205,739 58 SH   SOLE   0 0 58
BRISTOL-MYERS SQUIBB CO COM 110122108   436,032 8,498 SH   SOLE   0 0 8,498
CSX CORP COM 126408103   217,944 6,286 SH   SOLE   0 0 6,286
CANADIAN PACIFIC KANSAS CITY COM 13646K108   466,928 5,906 SH   SOLE   0 0 5,906
CARMAX INC COM 143130102   252,091 3,285 SH   SOLE   0 0 3,285
SCHWAB CHARLES CORP COM 808513105   912,563 13,264 SH   SOLE   0 0 13,264
CHEVRON CORP NEW COM 166764100   591,321 3,964 SH   SOLE   0 0 3,964
CISCO SYS INC COM 17275R102   306,632 6,070 SH   SOLE   0 0 6,070
CNH INDL N V SHS N20944109   353,220 29,000 SH   SOLE   0 0 29,000
COCA COLA CO COM 191216100   1,315,582 22,324 SH   SOLE   0 0 22,324
CONOCOPHILLIPS COM 20825C104   215,945 1,860 SH   SOLE   0 0 1,860
COSTCO WHSL CORP NEW COM 22160K105   851,771 1,290 SH   SOLE   0 0 1,290
CREDIT ACCEP CORP MICH COM 225310101   257,841 484 SH   SOLE   0 0 484
CROWN HLDGS INC COM 228368106   413,852 4,494 SH   SOLE   0 0 4,494
CVS HEALTH CORP COM 126650100   410,592 5,200 SH   SOLE   0 0 5,200
DANAHER CORPORATION COM 235851102   265,810 1,149 SH   SOLE   0 0 1,149
DEERE & CO COM 244199105   411,866 1,030 SH   SOLE   0 0 1,030
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   743,501 14,345 SH   SOLE   0 0 14,345
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   311,038 5,217 SH   SOLE   0 0 5,217
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   326,635 8,776 SH   SOLE   0 0 8,776
DOMINION ENERGY INC COM 25746U109   231,522 4,926 SH   SOLE   0 0 4,926
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,827,164 15,462 SH   SOLE   0 0 15,462
DUKE ENERGY CORP NEW COM NEW 26441C204   302,668 3,119 SH   SOLE   0 0 3,119
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   222,048 7,207 SH   SOLE   0 0 7,207
EMERSON ELEC CO COM 291011104   708,173 7,276 SH   SOLE   0 0 7,276
ENTERPRISE PRODS PARTNERS L COM 293792107   328,021 12,449 SH   SOLE   0 0 12,449
EXPEDITORS INTL WASH INC COM 302130109   1,018,872 8,010 SH   SOLE   0 0 8,010
EXXON MOBIL CORP COM 30231G102   2,452,720 24,532 SH   SOLE   0 0 24,532
FASTENAL CO COM 311900104   562,722 8,688 SH   SOLE   0 0 8,688
FEDEX CORP COM 31428X106   2,071,167 8,187 SH   SOLE   0 0 8,187
FIRST HORIZON CORPORATION COM 320517105   171,911 12,141 SH   SOLE   0 0 12,141
GENERAL DYNAMICS CORP COM 369550108   401,709 1,547 SH   SOLE   0 0 1,547
GLOBE LIFE INC COM 37959E102   762,402 6,264 SH   SOLE   0 0 6,264
HOME DEPOT INC COM 437076102   1,223,322 3,530 SH   SOLE   0 0 3,530
HONEYWELL INTL INC COM 438516106   560,974 2,675 SH   SOLE   0 0 2,675
INTERNATIONAL BUSINESS MACHS COM 459200101   984,384 6,019 SH   SOLE   0 0 6,019
ISHARES TR IBONDS DEC24 ETF 46434VBG4   14,030,261 563,238 SH   SOLE   0 0 563,238
ISHARES TR IBONDS DEC25 ETF 46434VBD1   14,059,135 567,816 SH   SOLE   0 0 567,816
ISHARES TR IBONDS DEC2026 46435GAA0   13,793,264 577,124 SH   SOLE   0 0 577,124
IDEXX LABS INC COM 45168D104   4,348,817 7,835 SH   SOLE   0 0 7,835
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   24,861,246 672,653 SH   SOLE   0 0 672,653
INVESCO QQQ TR UNIT SER 1 46090E103   1,574,309 3,844 SH   SOLE   0 0 3,844
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   502,242 13,315 SH   SOLE   0 0 13,315
ISHARES TR CORE S&P MCP ETF 464287507   614,164 2,216 SH   SOLE   0 0 2,216
ISHARES TR 7-10 YR TRSY BD 464287440   13,235,311 137,310 SH   SOLE   0 0 137,310
ISHARES TR CORE S&P500 ETF 464287200   2,356,149 4,933 SH   SOLE   0 0 4,933
ISHARES TR HDG MSCI EAFE 46434V803   606,126 19,236 SH   SOLE   0 0 19,236
ISHARES TR FLTG RATE NT ETF 46429B655   312,022 6,164 SH   SOLE   0 0 6,164
ISHARES TR CORE US AGGBD ET 464287226   1,649,039 16,615 SH   SOLE   0 0 16,615
ISHARES TR MORNINGSTAR GRWT 464287119   616,145 9,085 SH   SOLE   0 0 9,085
ISHARES TR MORNINGSTAR VALU 464288109   359,456 5,090 SH   SOLE   0 0 5,090
ISHARES TR MRGSTR MD CP ETF 464288208   661,566 9,855 SH   SOLE   0 0 9,855
ISHARES TR MRGSTR MD CP GRW 464288307   3,937,444 61,093 SH   SOLE   0 0 61,093
ISHARES TR MRGSTR MD CP VAL 464288406   303,115 4,476 SH   SOLE   0 0 4,476
ISHARES TR MSCI EAFE ETF 464287465   1,040,734 13,812 SH   SOLE   0 0 13,812
DBX ETF TR XTRACK MSCI EURP 233051853   1,735,168 45,936 SH   SOLE   0 0 45,936
ISHARES TR RUS 1000 ETF 464287622   314,712 1,200 SH   SOLE   0 0 1,200
ISHARES TR S&P 500 GRWT ETF 464287309   401,184 5,342 SH   SOLE   0 0 5,342
ISHARES TR S&P 500 VAL ETF 464287408   881,970 5,072 SH   SOLE   0 0 5,072
ISHARES TR NATIONAL MUN ETF 464288414   236,334 2,180 SH   SOLE   0 0 2,180
ISHARES TR IBONDS 24 TRM TS 46436E874   202,762 8,498 SH   SOLE   0 0 8,498
ISHARES TR CORE S&P SCP ETF 464287804   16,085,093 148,592 SH   SOLE   0 0 148,592
JOHNSON & JOHNSON COM 478160104   2,283,362 14,568 SH   SOLE   0 0 14,568
JOHNSON CTLS INTL PLC SHS G51502105   578,994 10,045 SH   SOLE   0 0 10,045
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   225,030 4,480 SH   SOLE   0 0 4,480
JPMORGAN CHASE & CO COM 46625H100   1,022,471 6,011 SH   SOLE   0 0 6,011
ELI LILLY & CO COM 532457108   791,022 1,357 SH   SOLE   0 0 1,357
MASTERCARD INCORPORATED CL A 57636Q104   454,233 1,065 SH   SOLE   0 0 1,065
MCDONALDS CORP COM 580135101   432,957 1,460 SH   SOLE   0 0 1,460
MERCK & CO INC COM 58933Y105   600,809 5,511 SH   SOLE   0 0 5,511
META PLATFORMS INC CL A 30303M102   250,958 709 SH   SOLE   0 0 709
MICROSOFT CORP COM 594918104   5,835,762 15,519 SH   SOLE   0 0 15,519
MID-AMER APT CMNTYS INC COM 59522J103   990,763 7,368 SH   SOLE   0 0 7,368
MONDELEZ INTL INC CL A 609207105   365,699 5,049 SH   SOLE   0 0 5,049
NEXTERA ENERGY INC COM 65339F101   815,876 13,432 SH   SOLE   0 0 13,432
NIKE INC CL B 654106103   270,774 2,494 SH   SOLE   0 0 2,494
NVIDIA CORPORATION COM 67066G104   2,794,744 5,643 SH   SOLE   0 0 5,643
ORACLE CORP COM 68389X105   337,798 3,204 SH   SOLE   0 0 3,204
OREILLY AUTOMOTIVE INC COM 67103H107   471,240 496 SH   SOLE   0 0 496
PEPSICO INC COM 713448108   1,188,059 6,995 SH   SOLE   0 0 6,995
PFIZER INC COM 717081103   632,302 21,963 SH   SOLE   0 0 21,963
PHILLIPS 66 COM 718546104   236,964 1,780 SH   SOLE   0 0 1,780
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   580,079 5,813 SH   SOLE   0 0 5,813
PINNACLE FINL PARTNERS INC COM 72346Q104   769,150 8,819 SH   SOLE   0 0 8,819
PROCTER AND GAMBLE CO COM 742718109   3,360,039 22,929 SH   SOLE   0 0 22,929
PROGRESSIVE CORP COM 743315103   938,956 5,895 SH   SOLE   0 0 5,895
PUBLIC STORAGE COM 74460D109   524,600 1,720 SH   SOLE   0 0 1,720
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   237,451 4,144 SH   SOLE   0 0 4,144
ROCKWELL AUTOMATION INC COM 773903109   422,253 1,360 SH   SOLE   0 0 1,360
ROYAL BK CDA COM 780087102   388,845 3,845 SH   SOLE   0 0 3,845
RTX CORPORATION COM 75513E101   512,244 6,088 SH   SOLE   0 0 6,088
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,677,030 3,528 SH   SOLE   0 0 3,528
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   293,266 578 SH   SOLE   0 0 578
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   18,254,053 742,336 SH   SOLE   0 0 742,336
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   467,010 9,639 SH   SOLE   0 0 9,639
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   2,024,414 50,296 SH   SOLE   0 0 50,296
SPDR SER TR S&P DIVID ETF 78464A763   340,293 2,723 SH   SOLE   0 0 2,723
STEREOTAXIS INC COM NEW 85916J409   27,125 15,500 SH   SOLE   0 0 15,500
TJX COS INC NEW COM 872540109   1,340,733 14,292 SH   SOLE   0 0 14,292
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   1,998,503 64,572 SH   SOLE   0 0 64,572
TEXAS INSTRS INC COM 882508104   247,167 1,450 SH   SOLE   0 0 1,450
BANCORP INC DEL COM 05969A105   202,440 5,250 SH   SOLE   0 0 5,250
SOUTHERN CO COM 842587107   397,422 5,668 SH   SOLE   0 0 5,668
TRACTOR SUPPLY CO COM 892356106   879,473 4,090 SH   SOLE   0 0 4,090
TRUIST FINL CORP COM 89832Q109   337,505 9,142 SH   SOLE   0 0 9,142
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   411,695 7,395 SH   SOLE   0 0 7,395
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   42,971,316 564,447 SH   SOLE   0 0 564,447
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   26,591,731 320,537 SH   SOLE   0 0 320,537
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   689,490 12,225 SH   SOLE   0 0 12,225
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   17,713,754 252,693 SH   SOLE   0 0 252,693
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   26,706,658 354,576 SH   SOLE   0 0 354,576
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,307,850 27,685 SH   SOLE   0 0 27,685
UNION PAC CORP COM 907818108   1,888,876 7,690 SH   SOLE   0 0 7,690
UNITED PARCEL SERVICE INC CL B 911312106   558,481 3,552 SH   SOLE   0 0 3,552
UNITEDHEALTH GROUP INC COM 91324P102   220,064 418 SH   SOLE   0 0 418
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   24,207,379 285,229 SH   SOLE   0 0 285,229
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   258,838 1,519 SH   SOLE   0 0 1,519
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,741,639 58,028 SH   SOLE   0 0 58,028
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   325,845 1,300 SH   SOLE   0 0 1,300
VANGUARD INDEX FDS MID CAP ETF 922908629   297,081 1,277 SH   SOLE   0 0 1,277
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   617,198 1,413 SH   SOLE   0 0 1,413
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   820,223 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   811,950 7,546 SH   SOLE   0 0 7,546
VANGUARD INDEX FDS SM CP VAL ETF 922908611   269,955 1,500 SH   SOLE   0 0 1,500
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   283,583 5,555 SH   SOLE   0 0 5,555
VANGUARD STAR FDS VG TL INTL STK F 921909768   510,082 8,801 SH   SOLE   0 0 8,801
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,104,022 4,654 SH   SOLE   0 0 4,654
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   743,082 15,030 SH   SOLE   0 0 15,030
VANGUARD INDEX FDS VALUE ETF 922908744   383,916 2,568 SH   SOLE   0 0 2,568
VERIZON COMMUNICATIONS INC COM 92343V104   620,977 16,472 SH   SOLE   0 0 16,472
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   411,213 17,184 SH   SOLE   0 0 17,184
VISA INC COM CL A 92826C839   1,461,762 5,615 SH   SOLE   0 0 5,615
WALMART INC COM 931142103   2,725,539 17,289 SH   SOLE   0 0 17,289
DISNEY WALT CO COM 254687106   507,356 5,619 SH   SOLE   0 0 5,619
WASTE MGMT INC DEL COM 94106L109   240,397 1,342 SH   SOLE   0 0 1,342
WELLS FARGO CO NEW COM 949746101   334,696 6,800 SH   SOLE   0 0 6,800
WEC ENERGY GROUP INC COM 92939U106   280,707 3,335 SH   SOLE   0 0 3,335
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   16,148,906 384,589 SH   SOLE   0 0 384,589