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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
3M CO COM 88579Y101 BBG001S5T7X2 343,541 3,248 SH   SOLE   3,248 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 245,617 1,520 SH   SOLE   1,520 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 205,428 2,239 SH   SOLE   2,239 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 289,485 2,659 SH   SOLE   2,659 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 345,007 7,662 SH   SOLE   7,662 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 467,548 4,561 SH   SOLE   4,561 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 751,309 10,140 SH   SOLE   10,140 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 242,055 1,483 SH   SOLE   1,483 0 0
AMETEK INC COM 031100100 BBG001S5NN54 1,145,815 8,282 SH   SOLE   8,282 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 224,250 897 SH   SOLE   897 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,581,468 33,784 SH   SOLE   33,784 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 251,028 8,504 SH   SOLE   8,504 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 318,461 996 SH   SOLE   996 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 313,636 3,676 SH   SOLE   3,676 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 202,192 2,870 SH   SOLE   2,870 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,091,148 6,328 SH   SOLE   6,328 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 247,946 1,567 SH   SOLE   1,567 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,004,870 15,938 SH   SOLE   15,938 0 0
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 273,685 2,522 SH   SOLE   2,522 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 575,846 18,905 SH   SOLE   18,905 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 208,017 2,785 SH   SOLE   2,785 0 0
DENTSPLY SIRONA INC COM 24906P109 BBG001S5XLV8 338,418 8,224 SH   SOLE   8,224 0 0
DERMTECH INC COM 24984K105 BBG00H19F193 53,950 13,000 SH   SOLE   13,000 0 0
DIAMONDBACK ENERGY INC COM 25278X109 BBG002PHSZN7 279,120 1,902 SH   SOLE   1,902 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 222,677 2,229 SH   SOLE   2,229 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 329,828 3,378 SH   SOLE   3,378 0 0
EMCOR GROUP INC COM 29084Q100 BBG001S5QVG1 219,521 1,408 SH   SOLE   1,408 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,014,304 17,357 SH   SOLE   17,357 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 2,062,185 44,762 SH   SOLE   44,762 0 0
FTI CONSULTING INC COM 302941109 BBG001SCJVR2 275,290 1,349 SH   SOLE   1,349 0 0
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 640,637 3,881 SH   SOLE   3,881 0 0
GLOBAL PMTS INC COM 37940X102 BBG001SGS2Z8 296,328 2,755 SH   SOLE   2,755 0 0
GLOBE LIFE INC COM 37959E102 BBG001S5WRX4 475,465 4,432 SH   SOLE   4,432 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 450,692 2,293 SH   SOLE   2,293 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 212,597 1,343 SH   SOLE   1,343 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 202,327 1,399 SH   SOLE   1,399 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 588,056 12,305 SH   SOLE   12,305 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 237,335 745 SH   SOLE   745 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 3,356,809 29,625 SH   SOLE   29,625 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 253,627 3,708 SH   SOLE   3,708 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 275,488 3,030 SH   SOLE   3,030 0 0
ISHARES TR GLB CNSM STP ETF 464288737 BBG001SNVWR2 410,115 6,543 SH   SOLE   6,543 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 338,517 3,891 SH   SOLE   3,891 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 917,387 9,715 SH   SOLE   9,715 0 0
ISHARES TR MSCI CHINA ETF 46429B671 BBG001S56D46 341,978 7,002 SH   SOLE   7,002 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 400,000 11,065 SH   SOLE   11,065 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 2,057,625 16,461 SH   SOLE   16,461 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 218,018 1,235 SH   SOLE   1,235 0 0
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 421,830 3,670 SH   SOLE   3,670 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 BBG00L52MHJ1 306,712 6,362 SH   SOLE   6,362 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 4,486,003 81,891 SH   SOLE   81,891 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 BBG0130Y3986 243,394 5,323 SH   SOLE   5,323 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,902,289 57,757 SH   SOLE   57,757 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 731,211 14,763 SH   SOLE   14,763 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 639,389 3,855 SH   SOLE   3,855 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 426,995 3,078 SH   SOLE   3,078 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 397,845 2,897 SH   SOLE   2,897 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 523,498 1,397 SH   SOLE   1,397 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 300,388 616 SH   SOLE   616 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 407,397 2,015 SH   SOLE   2,015 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 335,058 2,562 SH   SOLE   2,562 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 762,907 2,640 SH   SOLE   2,640 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 212,752 2,636 SH   SOLE   2,636 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 472,079 4,094 SH   SOLE   4,094 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 960,528 3,357 SH   SOLE   3,357 0 0
MODERNA INC COM 60770K107 BBG003PHHZV8 320,798 2,042 SH   SOLE   2,042 0 0
MOODYS CORP COM 615369105 BBG001S5VP87 211,624 700 SH   SOLE   700 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 213,914 2,467 SH   SOLE   2,467 0 0
MUELLER WTR PRODS INC COM SER A 624758108 BBG001SNQZ91 161,150 11,893 SH   SOLE   11,893 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 218,222 2,797 SH   SOLE   2,797 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 556,549 2,681 SH   SOLE   2,681 0 0
NORTHERN TR CORP COM 665859104 BBG001S5TRG7 207,755 2,363 SH   SOLE   2,363 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 456,514 1,706 SH   SOLE   1,706 0 0
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 793,524 16,570 SH   SOLE   16,570 0 0
PFIZER INC COM 717081103 BBG001S5V466 559,917 13,594 SH   SOLE   13,594 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 401,620 4,037 SH   SOLE   4,037 0 0
PIMCO DYNAMIC INCOME OPRNTS COM BEN SHS 69355M107 BBG00ST5DV48 159,125 12,500 SH   SOLE   12,500 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 596,843 6,444 SH   SOLE   6,444 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 1,134,158 11,440 SH   SOLE   11,440 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 376,841 3,981 SH   SOLE   3,981 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 435,182 2,882 SH   SOLE   2,882 0 0
ROYAL BK CDA SUSTAINABL COM 780087102 BBG001S60869 1,172,765 11,802 SH   SOLE   11,802 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 BBG001SSPFD0 121,000 20,000 SH   SOLE   20,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 202,098 5,661 SH   SOLE   5,661 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 659,316 13,710 SH   SOLE   13,710 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 7,492,091 101,822 SH   SOLE   101,822 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,312,487 35,392 SH   SOLE   35,392 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 226,787 4,662 SH   SOLE   4,662 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,061,938 12,174 SH   SOLE   12,174 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 466,958 3,470 SH   SOLE   3,470 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 221,826 3,220 SH   SOLE   3,220 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 260,881 1,755 SH   SOLE   1,755 0 0
SERVISFIRST BANCSHARES INC COM 81768T108 BBG001T2HRB1 999,590 19,794 SH   SOLE   19,794 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 349,413 11,651 SH   SOLE   11,651 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 1,321,371 18,368 SH   SOLE   18,368 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 262,395 1,408 SH   SOLE   1,408 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 261,808 4,451 SH   SOLE   4,451 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 302,166 733 SH   SOLE   733 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 772,827 26,503 SH   SOLE   26,503 0 0
SPDR SER TR RUSSELL YIELD 78468R770 BBG00BL38SV1 265,832 2,822 SH   SOLE   2,822 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 949,718 7,705 SH   SOLE   7,705 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 713,730 3,858 SH   SOLE   3,858 0 0
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 327,816 1,947 SH   SOLE   1,947 0 0
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 479,099 14,409 SH   SOLE   14,409 0 0
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 BBG001S9SSJ5 1,546,897 57,677 SH   SOLE   57,677 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,970,143 15,952 SH   SOLE   15,952 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 412,006 1,912 SH   SOLE   1,912 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,675,511 8,170 SH   SOLE   8,170 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,977,775 28,328 SH   SOLE   28,328 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 534,201 8,474 SH   SOLE   8,474 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,183,917 7,596 SH   SOLE   7,596 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 302,143 5,365 SH   SOLE   5,365 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 499,603 4,666 SH   SOLE   4,666 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 1,409,081 22,020 SH   SOLE   22,020 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 290,606 7,410 SH   SOLE   7,410 0 0
WALMART INC COM 931142103 BBG001S5XH92 500,176 3,369 SH   SOLE   3,369 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 1,181,663 23,455 SH   SOLE   23,455 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 373,833 5,957 SH   SOLE   5,957 0 0