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
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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
VANGUARD INDEX FDS TOTAL STK MKT 922908769   131,647,537 733,535 SH   SOLE Hardy Reed 0 0 733,535
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   78,316,506 238,552 SH   SOLE Hardy Reed 0 0 238,552
ISHARES TR CORE MSCI TOTAL 46432F834   77,078,854 1,513,725 SH   SOLE Hardy Reed 0 0 1,513,725
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   39,263,480 822,616 SH   SOLE Hardy Reed 0 0 822,616
ISHARES TR CORE S&P500 ETF 464287200   12,826,549 35,763 SH   SOLE Hardy Reed 0 0 35,763
ISHARES TR CORE S&P SCP ETF 464287804   11,533,842 132,284 SH   SOLE Hardy Reed 0 0 132,284
ISHARES TR RUS 1000 GRW ETF 464287614   11,360,548 53,995 SH   SOLE Hardy Reed 0 0 53,995
ISHARES TR CORE S&P MCP ETF 464287507   8,042,704 36,681 SH   SOLE Hardy Reed 0 0 36,681
ISHARES TR CORE MSCI EAFE 46432F842   6,669,339 126,625 SH   SOLE Hardy Reed 0 0 126,625
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,899,710 73,590 SH   SOLE Hardy Reed 0 0 73,590
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   5,840,610 232,231 SH   SOLE Hardy Reed 0 0 232,231
VANGUARD INDEX FDS VALUE ETF 922908744   4,655,196 37,700 SH   OTR Fiduciary Services 0 0 37,700
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,278,048 25,031 SH   OTR Fiduciary Services 0 0 25,031
ISHARES TR RUS 1000 VAL ETF 464287598   4,035,911 29,678 SH   SOLE Hardy Reed 0 0 29,678
VANGUARD INDEX FDS MID CAP ETF 922908629   4,011,493 21,340 SH   OTR Fiduciary Services 0 0 21,340
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,580,133 76,959 SH   SOLE Hardy Reed 0 0 76,959
ISHARES TR CORE INTL AGGR 46435G672   3,469,493 71,795 SH   SOLE Hardy Reed 0 0 71,795
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,357,199 41,876 SH   OTR Fiduciary Services 0 0 41,876
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,349,037 73,171 SH   SOLE Hardy Reed 0 0 73,171
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,181,964 87,201 SH   OTR Fiduciary Services 0 0 87,201
APPLE INC COM 037833100   3,028,791 21,916 SH   SOLE Hardy Reed 0 0 21,916
ISHARES TR RUS 2000 VAL ETF 464287630   2,966,293 23,007 SH   SOLE Hardy Reed 0 0 23,007
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,728,248 74,767 SH   SOLE Hardy Reed 0 0 74,767
ISHARES TR MSCI EAFE MIN VL 46429B689   2,686,539 47,124 SH   OTR Fiduciary Services 0 0 47,124
ISHARES TR SELECT DIVID ETF 464287168   2,573,280 24,000 SH   OTR Fiduciary Services 0 0 24,000
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,568,059 66,153 SH   SOLE Hardy Reed 0 0 66,153
VANGUARD INDEX FDS GROWTH ETF 922908736   2,132,226 9,966 SH   OTR Fiduciary Services 0 0 9,966
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,729,108 4,841 SH   SOLE Hardy Reed 0 0 4,841
ISHARES TR TIPS BD ETF 464287176   1,552,566 14,800 SH   SOLE Hardy Reed 0 0 14,800
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,487,945 19,887 SH   SOLE Hardy Reed 0 0 19,887
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,459,236 40,133 SH   SOLE Hardy Reed 0 0 40,133
ISHARES TR CORE S&P TTL STK 464287150   1,392,348 17,505 SH   SOLE Hardy Reed 0 0 17,505
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,389,116 9,687 SH   SOLE Hardy Reed 0 0 9,687
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,305,005 78,144 SH   OTR Fiduciary Services 0 0 78,144
PROGRESSIVE CORP COM 743315103   1,180,810 10,161 SH   SOLE Hardy Reed 0 0 10,161
MICROSOFT CORP COM 594918104   1,163,103 4,994 SH   SOLE Hardy Reed 0 0 4,994
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,114,606 2,775 SH   SOLE Hardy Reed 0 0 2,775
HOME DEPOT INC COM 437076102   1,020,978 3,700 SH   SOLE Hardy Reed 0 0 3,700
CADENCE BANK COM 12740C103   981,741 38,636 SH   SOLE Hardy Reed 0 0 38,636
JPMORGAN CHASE & CO COM 46625H100   947,606 9,068 SH   SOLE Hardy Reed 0 0 9,068
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   919,559 5,708 SH   SOLE Hardy Reed 0 0 5,708
JOHNSON & JOHNSON COM 478160104   877,897 5,374 SH   SOLE Hardy Reed 0 0 5,374
ALPHABET INC CAP STK CL C 02079K107   824,967 8,580 SH   SOLE Hardy Reed 0 0 8,580
ISHARES TR S&P 500 VAL ETF 464287408   795,282 6,188 SH   OTR Fiduciary Services 0 0 6,188
SCHWAB CHARLES CORP COM 808513105   778,136 10,827 SH   SOLE Hardy Reed 0 0 10,827
VANGUARD INDEX FDS GROWTH ETF 922908736   765,941 3,580 SH   SOLE Hardy Reed 0 0 3,580
RENASANT CORP COM 75970E107   758,696 24,255 SH   SOLE Hardy Reed 0 0 24,255
VANGUARD BD INDEX FDS INTERMED TERM 921937819   726,129 9,882 SH   SOLE Hardy Reed 0 0 9,882
OREILLY AUTOMOTIVE INC COM 67103H107   706,867 1,005 SH   SOLE Hardy Reed 0 0 1,005
ISHARES TR ESG AWARE MSCI 46435U663   668,974 21,812 SH   SOLE Hardy Reed 0 0 21,812
ISHARES TR S&P 500 GRWT ETF 464287309   666,432 11,520 SH   OTR Fiduciary Services 0 0 11,520
DISNEY WALT CO COM 254687106   639,180 6,776 SH   SOLE Hardy Reed 0 0 6,776
TE CONNECTIVITY LTD SHS H84989104   593,516 5,378 SH   SOLE Hardy Reed 0 0 5,378
VANGUARD WORLD FD ESG INTL STK ETF 921910725   592,999 13,651 SH   SOLE Hardy Reed 0 0 13,651
ISHARES TR ESG AWRE 1 5 YR 46435G243   584,713 24,892 SH   SOLE Hardy Reed 0 0 24,892
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   487,824 16,068 SH   SOLE Hardy Reed 0 0 16,068
FASTENAL CO COM 311900104   467,214 10,148 SH   SOLE Hardy Reed 0 0 10,148
SPS COMM INC COM 78463M107   456,421 3,674 SH   SOLE Hardy Reed 0 0 3,674
PFIZER INC COM 717081103   433,268 9,901 SH   SOLE Hardy Reed 0 0 9,901
VANGUARD INDEX FDS MID CAP ETF 922908629   431,602 2,296 SH   SOLE Hardy Reed 0 0 2,296
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   430,568 17,120 SH   SOLE Hardy Reed 0 0 17,120
TJX COS INC NEW COM 872540109   413,222 6,652 SH   SOLE Hardy Reed 0 0 6,652
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   407,021 11,303 SH   SOLE Hardy Reed 0 0 11,303
MUELLER INDS INC COM 624756102   384,042 6,461 SH   SOLE Hardy Reed 0 0 6,461
ISHARES INC ESG AWR MSCI EM 46434G863   383,174 13,848 SH   SOLE Hardy Reed 0 0 13,848
WALMART INC COM 931142103   379,632 2,927 SH   SOLE Hardy reed 0 0 2,927
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   374,751 3,155 SH   SOLE Hardy Reed 0 0 3,155
ISHARES TR EAFE SML CP ETF 464288273   367,899 7,542 SH   SOLE Hardy Reed 0 0 7,542
OMNICOM GROUP INC COM 681919106   352,358 5,585 SH   SOLE Hardy Reed 0 0 5,585
UNION PAC CORP COM 907818108   345,221 1,772 SH   SOLE Hardy Reed 0 0 1,772
EXPEDITORS INTL WASH INC COM 302130109   330,986 3,748 SH   SOLE Hardy Reed 0 0 3,748
EXPONENT INC COM 30214U102   328,938 3,752 SH   SOLE Hardy Reed 0 0 3,752
SCHWAB STRATEGIC TR US TIPS ETF 808524870   317,016 6,120 SH   SOLE Hardy Reed 0 0 6,120
ISHARES TR S&P MC 400VL ETF 464287705   311,220 3,458 SH   OTR Fiduciary Services 0 0 3,458
DESCARTES SYS GROUP INC COM 249906108   310,344 4,885 SH   SOLE Hardy Reed 0 0 4,885
US BANCORP DEL COM NEW 902973304   307,763 7,633 SH   SOLE Hardy Reed 0 0 7,633
MODEL N INC COM 607525102   305,434 8,923 SH   SOLE Hardy Reed 0 0 8,923
GENERAL ELECTRIC CO COM NEW 369604301   290,358 4,690 SH   SOLE Hardy Reed 0 0 4,690
ISHARES TR S&P MC 400GR ETF 464287606   285,544 4,531 SH   OTR Fiduciary Services 0 0 4,531
WORKIVA INC COM CL A 98139A105   279,146 3,588 SH   SOLE Hardy Reed 0 0 3,588
PAYLOCITY HLDG CORP COM 70438V106   277,092 1,147 SH   SOLE Hardy Reed 0 0 1,147
META PLATFORMS INC CL A 30303M102   276,516 2,038 SH   SOLE Hardy Reed 0 0 2,038
VANGUARD INDEX FDS LARGE CAP ETF 922908637   270,855 1,656 SH   SOLE Hardy Reed 0 0 1,656
CARMAX INC COM 143130102   269,296 4,079 SH   SOLE Hardy Reed 0 0 4,079
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   263,845 3,185 SH   SOLE Hardy Reed 0 0 3,185
AMAZON COM INC COM 023135106   259,900 2,300 SH   SOLE Hardy Reed 0 0 2,300
RITCHIE BROS AUCTIONEERS COM 767744105   246,296 3,942 SH   SOLE Hardy Reed 0 0 3,942
BLACKLINE INC COM 09239B109   246,249 4,111 SH   SOLE Hardy Reed 0 0 4,111
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   238,354 5,572 SH   SOLE Hardy Reed 0 0 5,572
ISHARES TR SP SMCP600VL ETF 464287879   235,395 2,855 SH   OTR Fiduciary Services 0 0 2,855
BK OF AMERICA CORP COM 060505104   234,956 7,780 SH   SOLE Hardy Reed 0 0 7,780
GLOBANT S A COM L44385109   232,353 1,242 SH   SOLE Hardy Reed 0 0 1,242
PAYCOR HCM INC COM 70435P102   231,898 7,845 SH   SOLE Hardy Reed 0 0 7,845
BLACKROCK MUNI INCOME TR II COM 09249N101   227,490 22,749 SH   SOLE Hardy Reed 0 0 22,749
FIVE BELOW INC COM 33829M101   225,641 1,639 SH   SOLE Hardy Reed 0 0 1,639
ISHARES TR MSCI USA MIN VOL 46429B697   225,269 3,408 SH   OTR Fiduciary Services 0 0 3,408
ISHARES TR S&P SML 600 GWT 464287887   223,572 2,199 SH   OTR Fiduciary Services 0 0 2,199
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   205,199 5,088 SH   SOLE Hardy Reed 0 0 5,088
CASELLA WASTE SYS INC CL A 147448104   203,579 2,665 SH   SOLE Hardy Reed 0 0 2,665
ALARM COM HLDGS INC COM 011642105   202,104 3,116 SH   SOLE Hardy Reed 0 0 3,116
NUVEEN QUALITY MUNCP INCOME COM 67066V101   128,304 11,664 SH   SOLE Hardy Reed 0 0 11,664
PIMCO MUN INCOME FD III COM 72201A103   118,464 15,365 SH   SOLE Hardy Reed 0 0 15,365
MANHATTAN BRDG CAP INC COM 562803106   43,772 43,772 SH   SOLE Hardy Reed 0 0 43,772