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 377 2,157 SH   SOLE NONE 0 0 2,157
A T & T INC COM 00206R102 438 15,244 SH   SOLE NONE 0 0 15,244
ADOBE INC COM 00724F101 841 1,683 SH   SOLE NONE 0 0 1,683
ALBEMARLE CORP COM 012653101 1,221 8,277 SH   SOLE NONE 0 0 8,277
AMAZON.COM INC COM 023135106 3,927 1,206 SH   SOLE NONE 0 0 1,206
AMGEN INC. COM 031162100 1,358 5,906 SH   SOLE NONE 0 0 5,906
APPLE INC COM 037833100 9,491 71,528 SH   SOLE NONE 0 0 71,528
ASTRAZENECA PLC F SPONSORED ADR 046353108 527 10,555 SH   SOLE NONE 0 0 10,555
BERKSHIRE HATHAWAY CL B NEW 084670702 1,913 8,252 SH   SOLE NONE 0 0 8,252
BLACKROCK SHORT MATURITY BLACKROCK ST MAT 46431W507 748 14,913 SH   SOLE NONE 0 0 14,913
BRCLYS BK IPATH BLOOM DJUBS CMDT ETN36 06738C778 380 17,365 SH   SOLE NONE 0 0 17,365
BRISTOL-MYERS SQUIBB COM 110122108 1,400 22,580 SH   SOLE NONE 0 0 22,580
CHARLES SCHWAB CORP COM 808513105 548 10,339 SH   SOLE NONE 0 0 10,339
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 4,064 59,620 SH   SOLE NONE 0 0 59,620
CHARLES SCHWAB US REIT US REIT ETF 808524847 555 14,641 SH   SOLE NONE 0 0 14,641
CIRRUS LOGIC INC COM 172755100 369 4,493 SH   SOLE NONE 0 0 4,493
CISCO SYSTEMS INC COM 17275R102 343 7,674 SH   SOLE NONE 0 0 7,674
CONSTELLATION BRAND CL A 21036P108 502 2,292 SH   SOLE NONE 0 0 2,292
COSTCO WHOLESALE CO COM 22160K105 222 589 SH   SOLE NONE 0 0 589
CSX CORP COM 126408103 643 7,087 SH   SOLE NONE 0 0 7,087
DEERE & CO COM 244199105 2,003 7,445 SH   SOLE NONE 0 0 7,445
DELTA AIR LINES INC DEL COM NEW 247361702 288 7,179 SH   SOLE NONE 0 0 7,179
DOW INC COM 260557103 282 5,088 SH   SOLE NONE 0 0 5,088
DUKE ENERGY CORP COM NEW 26441C204 339 3,711 SH   SOLE NONE 0 0 3,711
EXXON MOBIL CORP COM 30231G102 772 18,737 SH   SOLE NONE 0 0 18,737
GAMCO GLOBAL GOLD NTRL R COM SH BEN INT 36465A109 62 17,825 SH   SOLE NONE 0 0 17,825
GENERAL DYNAMICS CO COM 369550108 310 2,087 SH   SOLE NONE 0 0 2,087
GLOBAL PAYMENTS INC COM 37940X102 392 1,821 SH   SOLE NONE 0 0 1,821
HERSHEY CO COM 427866108 444 2,920 SH   SOLE NONE 0 0 2,920
HOME DEPOT INC COM 437076102 1,122 4,225 SH   SOLE NONE 0 0 4,225
IBM CORP COM 459200101 206 1,644 SH   SOLE NONE 0 0 1,644
INTEL CORP COM 458140100 1,222 24,536 SH   SOLE NONE 0 0 24,536
INVESCO QQQ TRUST UNIT SER 1 46090E103 291 930 SH   SOLE NONE 0 0 930
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,578 12,378 SH   SOLE NONE 0 0 12,378
ISHARES 1-3 YEAR TREASRY 1 3 YR TREAS BD 464287457 2,332 27,003 SH   SOLE NONE 0 0 27,003
ISHARES ASIA 50 ETF ASIA 50 ETF 464288430 220 2,530 SH   SOLE NONE 0 0 2,530
ISHARES BRD USD INV GRD USD INV GRDE ETF 464288620 942 15,201 SH   SOLE NONE 0 0 15,201
ISHARES CORE DIVIDEND CORE DIV GRWTH 46434V621 497 11,095 SH   SOLE NONE 0 0 11,095
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 1,101 12,559 SH   SOLE NONE 0 0 12,559
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 803 12,950 SH   SOLE NONE 0 0 12,950
ISHARES CORE MSCI EUROPE CORE MSCI EURO 46434V738 496 9,681 SH   SOLE NONE 0 0 9,681
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 2,807 7,479 SH   SOLE NONE 0 0 7,479
ISHARES CORE S&P MID CAP CORE S&P MCP ETF 464287507 663 2,887 SH   SOLE NONE 0 0 2,887
ISHARES CORE S&P SMALL CORE S&P SCP ETF 464287804 1,462 15,913 SH   SOLE NONE 0 0 15,913
ISHARES CORE US CORE US AGGBD ET 464287226 4,527 38,310 SH   SOLE NONE 0 0 38,310
ISHARES EDGE U.S. FIXED U.S. FIXED INCME 46435U796 1,147 11,182 SH   SOLE NONE 0 0 11,182
ISHARES EVLVD US INVTV INOVATIV HLTCR 46431W622 391 12,100 SH   SOLE NONE 0 0 12,100
ISHARES EVOLVED US TECHN TECHNOLOGY 46431W648 316 6,665 SH   SOLE NONE 0 0 6,665
ISHARES EXPANDED TECH EXPND TEC SC ETF 464287549 281 803 SH   SOLE NONE 0 0 803
ISHARES EXPONENTIAL EXPONENTIAL TECH 46434V381 457 7,989 SH   SOLE NONE 0 0 7,989
ISHARES FLOATING RATE FLTG RATE NT ETF 46429B655 345 6,815 SH   SOLE NONE 0 0 6,815
ISHARES GLOBAL GLOB INDSTRL ETF 464288729 699 6,554 SH   SOLE NONE 0 0 6,554
ISHARES GLOBAL GLB INFRASTR ETF 464288372 420 9,613 SH   SOLE NONE 0 0 9,613
ISHARES GLOBAL GLOB HLTHCRE ETF 464287325 504 6,594 SH   SOLE NONE 0 0 6,594
ISHARES GLOBAL CONSUMER GLB CNSM STP ETF 464288737 1,059 18,178 SH   SOLE NONE 0 0 18,178
ISHARES GLOBAL CONSUMER GLB CNS DISC ETF 464288745 340 2,192 SH   SOLE NONE 0 0 2,192
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 951 3,172 SH   SOLE NONE 0 0 3,172
ISHARES GOLD ETF ISHARES 464285105 2,354 129,878 SH   SOLE NONE 0 0 129,878
ISHARES HIGH YIELD 0-5YR HI YL CP 46434V407 630 13,880 SH   SOLE NONE 0 0 13,880
ISHARES IBOXX INVT GRADE IBOXX INV CP ETF 464287242 1,936 14,019 SH   SOLE NONE 0 0 14,019
ISHARES INTERNTINL CORE INTL AGGR 46435G672 203 3,627 SH   SOLE NONE 0 0 3,627
ISHARES JPMORGAN USD MTS JPMORGAN USD EMG 464288281 242 2,095 SH   SOLE NONE 0 0 2,095
ISHARES MSCI EAF MIN VOL MSCI EAFE MIN VL 46429B689 331 4,521 SH   SOLE NONE 0 0 4,521
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,541 21,122 SH   SOLE NONE 0 0 21,122
ISHARES MSCI EMERGING MSCI EMG MKT ETF 464287234 1,036 20,062 SH   SOLE NONE 0 0 20,062
ISHARES MSCI GLOBAL MIN MSCI GBL MIN VOL 464286525 241 2,497 SH   SOLE NONE 0 0 2,497
ISHARES MSCI USA MSCI USA SMCP MN 46435G433 413 12,191 SH   SOLE NONE 0 0 12,191
ISHARES MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 1,799 26,507 SH   SOLE NONE 0 0 26,507
ISHARES NASDAQ NASDAQ BIOTECH 464287556 1,612 10,647 SH   SOLE NONE 0 0 10,647
ISHARES NATIONAL MUNI NATIONAL MUN ETF 464288414 1,702 14,523 SH   SOLE NONE 0 0 14,523
ISHARES PHLX PHLX SEMICND ETF 464287523 350 925 SH   SOLE NONE 0 0 925
ISHARES PREFERRED INCOME PFD AND INCM SEC 464288687 1,818 47,211 SH   SOLE NONE 0 0 47,211
ISHARES RUSSELL 2000 RUS 2000 GRW ETF 464287648 371 1,295 SH   SOLE NONE 0 0 1,295
ISHARES RUSSELL MID CAP RUS MID CAP ETF 464287499 1,023 14,933 SH   SOLE NONE 0 0 14,933
ISHARES S&P 500 GROWTH S&P 500 GRWT ETF 464287309 3,073 48,156 SH   SOLE NONE 0 0 48,156
ISHARES S&P 500 VALUE S&P 500 VAL ETF 464287408 270 2,110 SH   SOLE NONE 0 0 2,110
ISHARES S&P SMALL CAP SP SMCP600VL ETF 464287879 965 11,870 SH   SOLE NONE 0 0 11,870
ISHARES S&P SMLL CAP 600 S&P SML 600 GWT 464287887 1,037 9,088 SH   SOLE NONE 0 0 9,088
ISHARES SELECT DIVIDEND SELECT DIVID ETF 464287168 989 10,292 SH   SOLE NONE 0 0 10,292
ISHARES SHORT TREASURY SHORT TREAS BD 464288679 290 2,624 SH   SOLE NONE 0 0 2,624
ISHARES TOTAL US STOCK CORE S&P TTL STK 464287150 252 2,932 SH   SOLE NONE 0 0 2,932
ISHARES TOTAL USD BOND CORE TOTAL USD 46434V613 1,037 19,004 SH   SOLE NONE 0 0 19,004
ISHARES TR IS 1 5 YR IN ISHS 1-5YR INVS 464288646 680 12,337 SH   SOLE NONE 0 0 12,337
ISHARES US AEROSPACE US AER DEF ETF 464288760 710 7,505 SH   SOLE NONE 0 0 7,505
ISHARES US BASIC U.S. BAS MTL ETF 464287838 679 5,995 SH   SOLE NONE 0 0 5,995
ISHARES US CONSUMER U.S. CNSM SV ETF 464287580 394 5,595 SH   SOLE NONE 0 0 5,595
ISHARES US CONSUMER U.S. CNSM GD ETF 464287812 540 3,114 SH   SOLE NONE 0 0 3,114
ISHARES US HEALTHCARE US HLTHCARE ETF 464287762 744 3,027 SH   SOLE NONE 0 0 3,027
ISHARES US INDUSTRIALS US INDUSTRIALS 464287754 284 2,934 SH   SOLE NONE 0 0 2,934
ISHARES US TECHNOLOGY U.S. TECH ETF 464287721 945 11,108 SH   SOLE NONE 0 0 11,108
ISHS MSCI EMERG MRKT MIN MSCI EMERG MRKT 464286533 452 7,412 SH   SOLE NONE 0 0 7,412
JABIL INC COM 466313103 628 14,786 SH   SOLE NONE 0 0 14,786
JOHNSON & JOHNSON COM 478160104 2,085 13,253 SH   SOLE NONE 0 0 13,253
JPMORGAN CHASE & CO COM 46625H100 496 3,905 SH   SOLE NONE 0 0 3,905
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 527 10,382 SH   SOLE NONE 0 0 10,382
LILLY ELI & CO COM 532457108 404 2,393 SH   SOLE NONE 0 0 2,393
LIVE OAK BANCSHARES INCO COM 53803X105 1,850 38,986 SH   SOLE NONE 0 0 38,986
LOWES COS INC COM 548661107 251 1,569 SH   SOLE NONE 0 0 1,569
MAXIM INTEGRATED PRO COM 57772K101 1,192 13,454 SH   SOLE NONE 0 0 13,454
MEDTRONIC PLC F SHS G5960L103 861 7,358 SH   SOLE NONE 0 0 7,358
MERCK & CO. INC. COM 58933Y105 1,090 13,332 SH   SOLE NONE 0 0 13,332
MICROSOFT CORP COM 594918104 3,679 16,541 SH   SOLE NONE 0 0 16,541
MOLSON COORS BEVERAGE CL CL B 60871R209 929 20,558 SH   SOLE NONE 0 0 20,558
NETFLIX INC COM 64110L106 1,201 2,222 SH   SOLE NONE 0 0 2,222
NOVARTIS AG F SPONSORED ADR 66987V109 438 4,644 SH   SOLE NONE 0 0 4,644
NVIDIA CORP COM 67066G104 2,871 5,499 SH   SOLE NONE 0 0 5,499
NXP SEMICONDUCTORS F COM N6596X109 903 5,682 SH   SOLE NONE 0 0 5,682
PAYPAL HOLDINGS INCORPOR COM 70450Y103 1,110 4,743 SH   SOLE NONE 0 0 4,743
PEPSICO INC COM 713448108 567 3,827 SH   SOLE NONE 0 0 3,827
PFIZER INC COM 717081103 1,128 30,648 SH   SOLE NONE 0 0 30,648
PHILIP MORRIS INTL COM 718172109 441 5,337 SH   SOLE NONE 0 0 5,337
PINNACLE FINL PARTNR COM 72346Q104 971 15,079 SH   SOLE NONE 0 0 15,079
PROCTER & GAMBLE COM 742718109 491 3,530 SH   SOLE NONE 0 0 3,530
PROSHARES LONG ONLN SHRT LONG ONLINE SHRT 74347B375 1,164 12,606 SH   SOLE NONE 0 0 12,606
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,125 15,734 SH   SOLE NONE 0 0 15,734
RELIANT BANCORP INC COM 75956B101 337 18,145 SH   SOLE NONE 0 0 18,145
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 1,845 60,205 SH   SOLE NONE 0 0 60,205
SCHWAB INTERMEDIATE TERM INTRM TRM TRES 808524854 448 7,696 SH   SOLE NONE 0 0 7,696
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 2,715 75,406 SH   SOLE NONE 0 0 75,406
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 831 22,073 SH   SOLE NONE 0 0 22,073
SCHWAB SHORT TERM US SHT TM US TRES 808524862 510 9,931 SH   SOLE NONE 0 0 9,931
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 4,063 72,531 SH   SOLE NONE 0 0 72,531
SCHWAB US BROAD MARKET US BRD MKT ETF 808524102 7,709 84,733 SH   SOLE NONE 0 0 84,733
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 2,476 38,611 SH   SOLE NONE 0 0 38,611
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 2,919 32,101 SH   SOLE NONE 0 0 32,101
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 4,826 54,228 SH   SOLE NONE 0 0 54,228
SKYWORKS SOLUTIONS COM 83088M102 1,357 8,881 SH   SOLE NONE 0 0 8,881
SMARTFINL INC 0050 COM NEW 83190L208 633 34,938 SH   SOLE NONE 0 0 34,938
SONOS INC COM 83570H108 245 10,512 SH   SOLE NONE 0 0 10,512
SOUTHERN CO COM 842587107 288 4,691 SH   SOLE NONE 0 0 4,691
SPDR S&P 500 ETF TR UNIT 78462F103 747 1,999 SH   SOLE NONE 0 0 1,999
SPDR S&P BIOTECH ETF S&P BIOTECH 78464A870 649 4,614 SH   SOLE NONE 0 0 4,614
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 207 1,959 SH   SOLE NONE 0 0 1,959
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 4,299 136,940 SH   SOLE NONE 0 0 136,940
SQUARE INC CL A 852234103 606 2,788 SH   SOLE NONE 0 0 2,788
STRYKER CORP COM 863667101 678 2,770 SH   SOLE NONE 0 0 2,770
STURM RUGER & CO INC COM 864159108 575 8,851 SH   SOLE NONE 0 0 8,851
TESLA INC COM 88160R101 4,835 6,853 SH   SOLE NONE 0 0 6,853
THE COCA-COLA CO COM 191216100 560 10,218 SH   SOLE NONE 0 0 10,218
UNITED PARCEL SRVC CL B 911312106 2,102 12,484 SH   SOLE NONE 0 0 12,484
UNITEDHEALTH GRP INC COM 91324P102 322 919 SH   SOLE NONE 0 0 919
US GLOBAL JETS ETF US GLB JETS 26922A842 415 18,572 SH   SOLE NONE 0 0 18,572
VANGUARD CONSUMER CONSUM STP ETF 92204A207 10,877 62,543 SH   SOLE NONE 0 0 62,543
VANGUARD DIVIDEND DIV APP ETF 921908844 8,735 61,878 SH   SOLE NONE 0 0 61,878
VANGUARD EMERGING MARKT EMERG MKT BD ETF 921946885 2,483 30,180 SH   SOLE NONE 0 0 30,180
VANGUARD ENERGY ETF ENERGY ETF 92204A306 744 14,355 SH   SOLE NONE 0 0 14,355
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 14,758 252,890 SH   SOLE NONE 0 0 252,890
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 42,340 896,846 SH   SOLE NONE 0 0 896,846
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 28,159 561,953 SH   SOLE NONE 0 0 561,953
VANGUARD GLBAL EX US GLB EX US ETF 922042676 254 4,687 SH   SOLE NONE 0 0 4,687
VANGUARD HIGH DIVIDEND HIGH DIV YLD 921946406 8,515 93,050 SH   SOLE NONE 0 0 93,050
VANGUARD INTERMEDIATE INTERMED TERM 921937819 639 6,887 SH   SOLE NONE 0 0 6,887
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 35,638 366,873 SH   SOLE NONE 0 0 366,873
VANGUARD INTERNATNL HGH INTL HIGH ETF 921946794 203 3,356 SH   SOLE NONE 0 0 3,356
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 4,410 25,095 SH   SOLE NONE 0 0 25,095
VANGUARD MID CAP ETF MID CAP ETF 922908629 22,006 106,430 SH   SOLE NONE 0 0 106,430
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 8,318 97,941 SH   SOLE NONE 0 0 97,941
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 33,977 98,862 SH   SOLE NONE 0 0 98,862
VANGUARD S&P SMALL CAP SMLLCP 600 IDX 921932828 20,611 122,857 SH   SOLE NONE 0 0 122,857
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 5,956 96,695 SH   SOLE NONE 0 0 96,695
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 25,036 300,737 SH   SOLE NONE 0 0 300,737
VANGUARD SHORT-TERM BOND SHORT TRM BOND 921937827 3,979 48,004 SH   SOLE NONE 0 0 48,004
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 21,620 111,054 SH   SOLE NONE 0 0 111,054
VANGUARD TOTAL INTL BD IDX ETF 92203J407 6,187 105,682 SH   SOLE NONE 0 0 105,682
VANGUARD TOTAL BOND TOTAL BND MRKT 921937835 58,628 664,793 SH   SOLE NONE 0 0 664,793
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 114,327 587,380 SH   SOLE NONE 0 0 587,380
VANGUARD TOTAL WORLD TT WRLD ST ETF 922042742 1,278 13,812 SH   SOLE NONE 0 0 13,812
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 10,664 77,714 SH   SOLE NONE 0 0 77,714
VERIZON COMMUNICATN COM 92343V104 1,892 32,214 SH   SOLE NONE 0 0 32,214
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 1,613 13,242 SH   SOLE NONE 0 0 13,242
VISA INC COM CL A 92826C839 335 1,531 SH   SOLE NONE 0 0 1,531
WALMART INC COM 931142103 403 2,795 SH   SOLE NONE 0 0 2,795
WALT DISNEY CO COM 254687106 568 3,135 SH   SOLE NONE 0 0 3,135