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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   512,355 5,060 SH   SOLE   5,059 0 0
ABBVIE INC COM 00287Y109   397,687 2,495 SH   SOLE   2,495 0 0
AFLAC INC COM 001055102   715,846 11,095 SH   SOLE   11,094 0 0
ALPHABET INC CAP STK CL C 02079K107   611,104 5,876 SH   SOLE   5,876 0 0
ALPHABET INC CAP STK CL A 02079K305   318,555 3,071 SH   SOLE   3,071 0 0
AMAZON COM INC COM 023135106   1,058,413 10,247 SH   SOLE   10,247 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   6,337,271 43,261 SH   SOLE   43,260 0 0
AMERIS BANCORP COM 03076K108   757,695 20,713 SH   SOLE   20,713 0 0
AMGEN INC COM 031162100   462,004 1,911 SH   SOLE   1,911 0 0
APPLE INC COM 037833100   4,647,569 28,184 SH   SOLE   28,184 0 0
AT&T INC COM 00206R102   494,773 25,703 SH   SOLE   25,702 0 0
BANK AMERICA CORP COM 060505104   420,229 14,693 SH   SOLE   14,693 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,861,883 6,030 SH   SOLE   6,030 0 0
BLACKROCK INC COM 09247X101   258,794 387 SH   SOLE   386 0 0
BOX INC CL A 10316T104   226,081 8,439 SH   SOLE   8,439 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   356,860 5,149 SH   SOLE   5,148 0 0
BROADCOM INC COM 11135F101   629,144 981 SH   SOLE   980 0 0
CATERPILLAR INC COM 149123101   471,649 2,061 SH   SOLE   2,061 0 0
CHEVRON CORP NEW COM 166764100   220,952 1,354 SH   SOLE   1,354 0 0
CISCO SYS INC COM 17275R102   211,359 4,043 SH   SOLE   4,043 0 0
COCA COLA CO COM 191216100   1,123,780 18,117 SH   SOLE   18,116 0 0
COSTCO WHSL CORP NEW COM 22160K105   546,962 1,101 SH   SOLE   1,100 0 0
DEERE & CO COM 244199105   364,779 883 SH   SOLE   883 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   293,817 8,414 SH   SOLE   8,414 0 0
DISNEY WALT CO COM 254687106   226,154 2,259 SH   SOLE   2,258 0 0
EATON CORP PLC SHS G29183103   234,146 1,367 SH   SOLE   1,366 0 0
EMERSON ELEC CO COM 291011104   226,215 2,596 SH   SOLE   2,596 0 0
EXXON MOBIL CORP COM 30231G102   787,842 7,184 SH   SOLE   7,184 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   1,700,791 383,061 SH   SOLE   383,061 0 0
FS KKR CAP CORP COM 302635206   249,058 13,463 SH   SOLE   13,462 0 0
GALLAGHER ARTHUR J & CO COM 363576109   344,571 1,801 SH   SOLE   1,801 0 0
GENESCO INC COM 371532102   331,920 9,000 SH   SOLE   9,000 0 0
HCA HEALTHCARE INC COM 40412C101   1,634,711 6,200 SH   SOLE   6,199 0 0
HOME DEPOT INC COM 437076102   1,342,564 4,549 SH   SOLE   4,549 0 0
HONEYWELL INTL INC COM 438516106   243,984 1,277 SH   SOLE   1,276 0 0
INTERFACE INC COM 458665304   210,826 25,964 SH   SOLE   25,963 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   272,640 1,739 SH   SOLE   1,739 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   403,204 1,256 SH   SOLE   1,256 0 0
IQVIA HLDGS INC COM 46266C105   250,999 1,262 SH   SOLE   1,262 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   2,814,711 56,014 SH   SOLE   56,014 0 0
ISHARES TR MSCI ACWI EX US 464288240   378,328 7,757 SH   SOLE   7,757 0 0
ISHARES TR RUS TOP 200 ETF 464289446   850,323 8,738 SH   SOLE   8,738 0 0
ISHARES TR CORE INTL AGGR 46435G672   19,973,100 408,031 SH   SOLE   408,030 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   361,941 2,642 SH   SOLE   2,641 0 0
ISHARES TR CORE TOTAL USD 46434V613   668,612 14,488 SH   SOLE   14,487 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,430,389 9,947 SH   SOLE   9,947 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   89,832,876 1,450,087 SH   SOLE   1,450,086 0 0
ISHARES TR NATIONAL MUN ETF 464288414   19,219,061 178,384 SH   SOLE   178,383 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,102,672 12,177 SH   SOLE   12,177 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   362,809 2,034 SH   SOLE   2,033 0 0
ISHARES TR SHORT TREAS BD 464288679   239,316 2,166 SH   SOLE   2,165 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,409,148 5,986 SH   SOLE   5,985 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,564,691 65,284 SH   SOLE   65,284 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   27,927,250 592,244 SH   SOLE   592,243 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,050,759 13,469 SH   SOLE   13,468 0 0
ISHARES TR US TREAS BD ETF 46429B267   731,118 31,271 SH   SOLE   31,271 0 0
ISHARES TR RUS MD CP GR ETF 464287481   546,350 6,001 SH   SOLE   6,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,728,334 85,689 SH   SOLE   85,689 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   28,416,338 271,459 SH   SOLE   271,459 0 0
ISHARES TR CORE US AGGBD ET 464287226   125,735,047 1,261,893 SH   SOLE   1,261,893 0 0
ISHARES TR MBS ETF 464288588   536,039 5,659 SH   SOLE   5,658 0 0
ISHARES TR CORE S&P500 ETF 464287200   225,846,344 549,398 SH   SOLE   549,397 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,178,092 16,472 SH   SOLE   16,472 0 0
ISHARES TR USD INV GRDE ETF 464288620   479,776 9,471 SH   SOLE   9,470 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   2,277,733 27,723 SH   SOLE   27,723 0 0
ISHARES TR SELECT DIVID ETF 464287168   642,982 5,487 SH   SOLE   5,487 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   748,391 6,032 SH   SOLE   6,032 0 0
ISHARES TR MSCI ACWI ETF 464288257   5,998,742 65,805 SH   SOLE   65,804 0 0
ISHARES TR CORE S&P MCP ETF 464287507   76,050,572 304,008 SH   SOLE   304,007 0 0
ISHARES TR RUS TP200 GR ETF 464289438   846,891 6,096 SH   SOLE   6,095 0 0
ISHARES TR CORE S&P SCP ETF 464287804   32,201,846 333,008 SH   SOLE   333,007 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   511,587 4,817 SH   SOLE   4,817 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   6,402,540 100,212 SH   SOLE   100,211 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   286,542 1,263 SH   SOLE   1,263 0 0
ISHARES TR S&P MC 400GR ETF 464287606   535,796 7,493 SH   SOLE   7,492 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   884,865 17,687 SH   SOLE   17,686 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,883,427 12,411 SH   SOLE   12,410 0 0
ISHARES TR RUS 1000 ETF 464287622   717,909 3,187 SH   SOLE   3,187 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,863,178 196,009 SH   SOLE   196,009 0 0
JACOBS SOLUTIONS INC COM 46982L108   293,775 2,500 SH   SOLE   2,500 0 0
JOBY AVIATION INC COMMON STOCK G65163100   43,400 10,000 SH   SOLE   10,000 0 0
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   265,197 8,316 SH   SOLE   8,316 0 0
JOHNSON & JOHNSON COM 478160104   617,778 3,986 SH   SOLE   3,985 0 0
JPMORGAN CHASE & CO COM 46625H100   477,605 3,665 SH   SOLE   3,665 0 0
LILLY ELI & CO COM 532457108   623,115 1,814 SH   SOLE   1,814 0 0
LINDE PLC SHS G54950103   340,114 957 SH   SOLE   956 0 0
LOCKHEED MARTIN CORP COM 539830109   313,042 662 SH   SOLE   662 0 0
LOWES COS INC COM 548661107   201,392 1,007 SH   SOLE   1,007 0 0
MARSH & MCLENNAN COS INC COM 571748102   373,728 2,244 SH   SOLE   2,243 0 0
MASTERCARD INCORPORATED CL A 57636Q104   472,187 1,299 SH   SOLE   1,299 0 0
MCDONALDS CORP COM 580135101   1,009,216 3,609 SH   SOLE   3,609 0 0
MERCK & CO INC COM 58933Y105   364,218 3,423 SH   SOLE   3,423 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   469,958 5,609 SH   SOLE   5,609 0 0
MICROSOFT CORP COM 594918104   3,378,358 11,718 SH   SOLE   11,718 0 0
NETFLIX INC COM 64110L106   218,343 632 SH   SOLE   632 0 0
NIKE INC CL B 654106103   221,673 1,808 SH   SOLE   1,807 0 0
NORFOLK SOUTHN CORP COM 655844108   210,759 994 SH   SOLE   994 0 0
NVIDIA CORPORATION COM 67066G104   1,380,234 4,969 SH   SOLE   4,968 0 0
ORACLE CORP COM 68389X105   261,421 2,813 SH   SOLE   2,813 0 0
PAYCHEX INC COM 704326107   286,679 2,502 SH   SOLE   2,501 0 0
PEPSICO INC COM 713448108   792,417 4,347 SH   SOLE   4,346 0 0
PFIZER INC COM 717081103   500,397 12,265 SH   SOLE   12,264 0 0
PHILIP MORRIS INTL INC COM 718172109   247,071 2,541 SH   SOLE   2,540 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104   1,134,790 20,573 SH   SOLE   20,572 0 0
PROCTER AND GAMBLE CO COM 742718109   769,084 5,172 SH   SOLE   5,172 0 0
QUALCOMM INC COM 747525103   235,569 1,846 SH   SOLE   1,846 0 0
RAYMOND JAMES FINL INC COM 754730109   4,314,040 46,253 SH   SOLE   46,253 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   751,769 7,677 SH   SOLE   7,676 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   486,143 10,363 SH   SOLE   10,363 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   240,898 1,861 SH   SOLE   1,860 0 0
SIRIUS XM HOLDINGS INC COM 82968B103   55,151 13,892 SH   SOLE   13,892 0 0
SOUTHERN CO COM 842587107   17,197,595 247,163 SH   SOLE   246,145 0 1,017
SPDR GOLD TR GOLD SHS 78463V107   258,263 1,410 SH   SOLE   1,409 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   658,610 16,001 SH   SOLE   16,001 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,013,325 4,918 SH   SOLE   4,917 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   219,513 3,965 SH   SOLE   3,965 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   305,472 7,502 SH   SOLE   7,501 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   28,308,679 587,927 SH   SOLE   587,926 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   6,141,640 162,606 SH   SOLE   162,606 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,224,240 202,568 SH   SOLE   202,568 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   11,816,696 268,928 SH   SOLE   268,927 0 0
SYSCO CORP COM 871829107   229,450 2,971 SH   SOLE   2,971 0 0
TARGET CORP COM 87612E106   377,630 2,280 SH   SOLE   2,279 0 0
TASEKO MINES LTD COM 876511106   43,416 26,154 SH   SOLE   26,154 0 0
TESLA INC COM 88160R101   1,390,397 6,702 SH   SOLE   6,702 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   438,618 761 SH   SOLE   761 0 0
UNION PAC CORP COM 907818108   252,163 1,253 SH   SOLE   1,252 0 0
UNITED PARCEL SERVICE INC CL B 911312106   428,948 2,211 SH   SOLE   2,211 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,355,715 2,869 SH   SOLE   2,868 0 0
US BANCORP DEL COM NEW 902973304   247,023 6,852 SH   SOLE   6,852 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   262,482 1,789 SH   SOLE   1,789 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   208,892 2,731 SH   SOLE   2,730 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   999,155 13,533 SH   SOLE   13,533 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   308,541 6,307 SH   SOLE   6,307 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   337,758 898 SH   SOLE   898 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   717,731 3,842 SH   SOLE   3,842 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   941,377 4,612 SH   SOLE   4,612 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,707,788 191,626 SH   SOLE   191,626 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   280,012 1,818 SH   SOLE   1,818 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   24,247,238 439,182 SH   SOLE   439,181 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   522,941 4,957 SH   SOLE   4,956 0 0
VISA INC COM CL A 92826C839   727,865 3,228 SH   SOLE   3,228 0 0
WALMART INC COM 931142103   809,384 5,489 SH   SOLE   5,489 0 0
WASTE MGMT INC DEL COM 94106L109   605,426 3,710 SH   SOLE   3,710 0 0
XOS INC COMMON STOCK 98423B108   84,587 161,119 SH   SOLE   161,119 0 0
ZOETIS INC CL A 98978V103   260,483 1,565 SH   SOLE   1,565 0 0