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 1,580 11,573 SH   SOLE   1,130 0 10,443
ABBOTT LABS COM 002824100 1,555 19,701 SH   SOLE   2,854 0 16,847
ABBVIE INC COM 00287Y109 1,417 18,603 SH   SOLE   1,413 0 17,190
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 968 5,930 SH   SOLE   1,020 0 4,910
ALLSTATE CORP COM 020002101 679 7,403 SH   SOLE   225 0 7,178
ALPHABET INC CAP STK CL C 02079K107 2,988 2,570 SH   SOLE   170 0 2,400
ALPHABET INC CAP STK CL A 02079K305 1,072 923 SH   SOLE   115 0 808
ALPS ETF TR ALERIAN MLP 00162Q866 290 84,427 SH   SOLE   2,375 0 82,052
ALTRIA GROUP INC COM 02209S103 214 5,545 SH   SOLE   0 0 5,545
AMAZON COM INC COM 023135106 833 427 SH   SOLE   0 0 427
AMERICAN AIRLS GROUP INC COM 02376R102 404 33,114 SH   SOLE   0 0 33,114
AMERICAN NATL BANKSHARES INC COM 027745108 246 10,290 SH   SOLE   0 0 10,290
AMGEN INC COM 031162100 405 2,000 SH   SOLE   0 0 2,000
APPLE INC COM 037833100 9,930 39,051 SH   SOLE   1,262 0 37,789
AT&T INC COM 00206R102 7,561 259,381 SH   SOLE   11,722 0 247,659
AUTOMATIC DATA PROCESSING IN COM 053015103 840 6,143 SH   SOLE   800 0 5,343
BAXTER INTL INC COM 071813109 903 11,118 SH   SOLE   675 0 10,443
BECTON DICKINSON & CO COM 075887109 655 2,851 SH   SOLE   75 0 2,776
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,778 15,196 SH   SOLE   1,490 0 13,706
BK OF AMERICA CORP COM 060505104 447 21,034 SH   SOLE   3,448 0 17,586
BLACKROCK INC COM 09247X101 506 1,150 SH   SOLE   170 0 980
BRISTOL-MYERS SQUIBB CO COM 110122108 1,155 20,726 SH   SOLE   1,295 0 19,431
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 4,023 111,847 SH   SOLE   4,911 0 106,936
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 425 12,118 SH   SOLE   540 0 11,578
BROWN FORMAN CORP CL B 115637209 482 8,690 SH   SOLE   0 0 8,690
CAL MAINE FOODS INC COM NEW 128030202 409 9,300 SH   SOLE   0 0 9,300
CAPSTAR FINL HLDGS INC COM 14070T102 492 49,713 SH   SOLE   0 0 49,713
CARETRUST REIT INC COM 14174T107 288 19,455 SH   SOLE   0 0 19,455
CHART INDS INC COM PAR $0.01 16115Q308 411 14,188 SH   SOLE   0 0 14,188
CHEVRON CORP NEW COM 166764100 3,516 48,521 SH   SOLE   2,700 0 45,821
CHUBB LIMITED COM H1467J104 880 7,882 SH   SOLE   0 0 7,882
CISCO SYS INC COM 17275R102 1,514 38,512 SH   SOLE   2,250 0 36,262
CLOROX CO DEL COM 189054109 426 2,459 SH   SOLE   0 0 2,459
COCA COLA CO COM 191216100 1,450 32,774 SH   SOLE   1,315 0 31,459
COSTCO WHSL CORP NEW COM 22160K105 2,086 7,317 SH   SOLE   515 0 6,802
CSX CORP COM 126408103 867 15,126 SH   SOLE   0 0 15,126
DANAHER CORPORATION COM 235851102 2,091 15,109 SH   SOLE   1,869 0 13,240
DELTA AIR LINES INC DEL COM NEW 247361702 519 18,199 SH   SOLE   100 0 18,099
DIAGEO P L C SPON ADR NEW 25243Q205 1,451 11,415 SH   SOLE   1,015 0 10,400
DISNEY WALT CO COM DISNEY 254687106 768 7,951 SH   SOLE   125 0 7,826
DUKE ENERGY CORP NEW COM NEW 26441C204 6,709 82,954 SH   SOLE   4,769 0 78,185
ECOLAB INC COM 278865100 643 4,125 SH   SOLE   950 0 3,175
EMERSON ELEC CO COM 291011104 2,731 57,324 SH   SOLE   5,690 0 51,634
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 322 36,147 SH   SOLE   0 0 36,147
ENTERPRISE PRODS PARTNERS L COM 293792107 2,494 174,404 SH   SOLE   10,025 0 164,379
EXXON MOBIL CORP COM 30231G102 3,464 91,236 SH   SOLE   6,187 0 85,049
FACEBOOK INC CL A 30303M102 411 2,467 SH   SOLE   0 0 2,467
FEDEX CORP COM 31428X106 273 2,250 SH   SOLE   0 0 2,250
FIRST HORIZON NATL CORP COM 320517105 1,588 197,058 SH   SOLE   0 0 197,058
FORTIVE CORP COM 34959J108 217 3,937 SH   SOLE   300 0 3,637
GENERAL DYNAMICS CORP COM 369550108 246 1,857 SH   SOLE   0 0 1,857
GRAN TIERRA ENERGY INC COM 38500T101 5 19,000 SH   SOLE   0 0 19,000
HASBRO INC COM 418056107 2,112 29,512 SH   SOLE   1,700 0 27,812
HCA HEALTHCARE INC COM 40412C101 4,212 46,876 SH   SOLE   0 0 46,876
HOME DEPOT INC COM 437076102 1,101 5,897 SH   SOLE   0 0 5,897
HONEYWELL INTL INC COM 438516106 710 5,310 SH   SOLE   0 0 5,310
ILLINOIS TOOL WKS INC COM 452308109 219 1,542 SH   SOLE   0 0 1,542
INTEL CORP COM 458140100 4,343 80,240 SH   SOLE   7,025 0 73,215
INTL FCSTONE INC COM 46116V105 1,713 47,247 SH   SOLE   0 0 47,247
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 798 67,538 SH   SOLE   2,800 0 64,738
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 2,051 43,721 SH   SOLE   600 0 43,121
INVESCO EXCHANGE-TRADED FD T FTSE RAFI DEV 46138E743 359 11,829 SH   SOLE   0 0 11,829
INVESCO QQQ TR UNIT SER 1 46090E103 1,830 9,612 SH   SOLE   850 0 8,762
ISHARES INC MIN VOL EMRG MKT 464286533 572 12,183 SH   SOLE   1,075 0 11,108
ISHARES INC CORE MSCI EMKT 46434G103 5,286 130,612 SH   SOLE   5,340 0 125,272
ISHARES TR SELECT DIVID ETF 464287168 217 2,946 SH   SOLE   0 0 2,946
ISHARES TR TIPS BD ETF 464287176 4,504 38,194 SH   SOLE   2,900 0 35,294
ISHARES TR 1 3 YR TREAS BD 464287457 787 9,083 SH   SOLE   0 0 9,083
ISHARES TR MSCI EAFE ETF 464287465 706 13,203 SH   SOLE   200 0 13,003
ISHARES TR RUS 1000 VAL ETF 464287598 456 4,593 SH   SOLE   0 0 4,593
ISHARES TR RUS 1000 GRW ETF 464287614 539 3,575 SH   SOLE   0 0 3,575
ISHARES TR RUSSELL 2000 ETF 464287655 362 3,160 SH   SOLE   0 0 3,160
ISHARES TR MSCI ACWI EX US 464288240 286 7,600 SH   SOLE   0 0 7,600
ISHARES TR JPMORGAN USD EMG 464288281 602 6,231 SH   SOLE   0 0 6,231
ISHARES TR SH TR CRPORT ETF 464288646 885 16,906 SH   SOLE   500 0 16,406
ISHARES TR 3 7 YR TREAS BD 464288661 332 2,489 SH   SOLE   75 0 2,414
ISHARES TR SHORT TREAS BD 464288679 11,626 104,718 SH   SOLE   9,100 0 95,618
ISHARES TR US REGNL BKS ETF 464288778 220 7,600 SH   SOLE   1,400 0 6,200
ISHARES TR A RATE CP BD ETF 46429B291 201 3,648 SH   SOLE   300 0 3,348
ISHARES TR FLTG RATE NT ETF 46429B655 299 6,125 SH   SOLE   800 0 5,325
ISHARES TR MIN VOL EAFE ETF 46429B689 3,783 60,970 SH   SOLE   1,778 0 59,192
ISHARES TR USA QUALITY FCTR 46432F339 2,899 35,772 SH   SOLE   555 0 35,217
ISHARES TR INTL QLTY FACTOR 46434V456 1,603 62,016 SH   SOLE   4,600 0 57,416
ISHARES TR TRS FLT RT BD 46434V860 1,154 22,925 SH   SOLE   1,750 0 21,175
JOHNSON & JOHNSON COM 478160104 5,539 42,241 SH   SOLE   2,853 0 39,388
JPMORGAN CHASE & CO COM 46625H100 3,502 38,900 SH   SOLE   3,313 0 35,587
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 164 18,215 SH   SOLE   600 0 17,615
KIMBERLY CLARK CORP COM 494368103 1,678 13,121 SH   SOLE   600 0 12,521
KOSMOS ENERGY LTD COM 500688106 72 79,916 SH   SOLE   0 0 79,916
L3HARRIS TECHNOLOGIES INC COM 502431109 397 2,205 SH   SOLE   0 0 2,205
LILLY ELI & CO COM 532457108 681 4,906 SH   SOLE   112 0 4,794
LIQTECH INTL INC COM 53632A201 132 30,838 SH   SOLE   0 0 30,838
LOCKHEED MARTIN CORP COM 539830109 1,368 4,037 SH   SOLE   75 0 3,962
LOWES COS INC COM 548661107 237 2,755 SH   SOLE   550 0 2,205
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,048 21,119 SH   SOLE   750 0 20,369
M & T BK CORP COM 55261F104 687 6,647 SH   SOLE   1,065 0 5,582
MCDONALDS CORP COM 580135101 3,012 18,217 SH   SOLE   1,455 0 16,762
MERCK & CO. INC COM 58933Y105 4,494 58,410 SH   SOLE   4,800 0 53,610
MFS INTER INCOME TR SH BEN INT 55273C107 36 10,000 SH   SOLE   0 0 10,000
MICROCHIP TECHNOLOGY INC COM 595017104 428 6,309 SH   SOLE   200 0 6,109
MICROSOFT CORP COM 594918104 9,946 63,066 SH   SOLE   4,180 0 58,886
MONDELEZ INTL INC CL A 609207105 797 15,910 SH   SOLE   2,675 0 13,235
MORGAN STANLEY COM NEW 617446448 246 7,234 SH   SOLE   0 0 7,234
NET 1 UEPS TECHNOLOGIES INC COM NEW 64107N206 73 25,000 SH   SOLE   0 0 25,000
NEXTERA ENERGY INC COM 65339F101 276 1,146 SH   SOLE   0 0 1,146
NIKE INC CL B 654106103 2,069 25,005 SH   SOLE   1,950 0 23,055
NOVARTIS A G SPONSORED ADR 66987V109 2,852 34,587 SH   SOLE   3,000 0 31,587
NOVO-NORDISK A S ADR 670100205 1,196 19,867 SH   SOLE   0 0 19,867
OGE ENERGY CORP COM 670837103 3,122 101,600 SH   SOLE   5,175 0 96,425
ORACLE CORP COM 68389X105 802 16,593 SH   SOLE   1,100 0 15,493
PAYCHEX INC COM 704326107 3,738 59,405 SH   SOLE   4,615 0 54,790
PEPSICO INC COM 713448108 4,410 36,716 SH   SOLE   3,592 0 33,124
PFIZER INC COM 717081103 2,513 76,995 SH   SOLE   3,535 0 73,460
PINNACLE FINL PARTNERS INC COM 72346Q104 1,442 38,419 SH   SOLE   0 0 38,419
PROCTER & GAMBLE CO COM 742718109 7,283 66,210 SH   SOLE   5,845 0 60,365
PROGRESSIVE CORP OHIO COM 743315103 233 3,150 SH   SOLE   0 0 3,150
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,072 23,877 SH   SOLE   1,035 0 22,842
QUALCOMM INC COM 747525103 408 6,024 SH   SOLE   0 0 6,024
REGIONS FINANCIAL CORP NEW COM 7591EP100 95 10,623 SH   SOLE   0 0 10,623
RUBICON PROJ INC COM 78112V102 1,594 287,257 SH   SOLE   0 0 287,257
SCHLUMBERGER LTD COM 806857108 171 12,646 SH   SOLE   825 0 11,821
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,238 20,481 SH   SOLE   0 0 20,481
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 569 11,042 SH   SOLE   0 0 11,042
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,192 123,520 SH   SOLE   3,900 0 119,620
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 472 5,325 SH   SOLE   0 0 5,325
SELECT SECTOR SPDR TR ENERGY 81369Y506 434 14,950 SH   SOLE   2,225 0 12,725
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 710 34,102 SH   SOLE   850 0 33,252
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,171 21,130 SH   SOLE   100 0 21,030
SOUTHERN CO COM 842587107 1,632 30,149 SH   SOLE   1,375 0 28,774
SOUTHWEST AIRLS CO COM 844741108 933 26,209 SH   SOLE   0 0 26,209
SPDR S&P 500 ETF TR TR UNIT 78462F103 664 2,578 SH   SOLE   0 0 2,578
SPDR SER TR PRTFLO S&P500 VL 78464A508 277 10,715 SH   SOLE   0 0 10,715
SPDR SER TR BLOMBERG BRC INV 78468R200 346 11,773 SH   SOLE   0 0 11,773
STRYKER CORP COM 863667101 689 4,140 SH   SOLE   150 0 3,990
SYSCO CORP COM 871829107 331 7,261 SH   SOLE   200 0 7,061
TRAVELERS COMPANIES INC COM 89417E109 312 3,139 SH   SOLE   400 0 2,739
TRUIST FINL CORP COM 89832Q109 2,103 68,196 SH   SOLE   4,025 0 64,171
TWITTER INC COM 90184L102 213 8,670 SH   SOLE   0 0 8,670
UNION PAC CORP COM 907818108 216 1,529 SH   SOLE   0 0 1,529
UNITED PARCEL SERVICE INC CL B 911312106 3,243 34,716 SH   SOLE   1,800 0 32,916
UNITED TECHNOLOGIES CORP COM 913017109 1,232 13,059 SH   SOLE   1,450 0 11,609
UNITEDHEALTH GROUP INC COM 91324P102 2,824 11,324 SH   SOLE   850 0 10,474
US BANCORP DEL COM NEW 902973304 1,837 53,317 SH   SOLE   2,350 0 50,967
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 281 2,400 SH   SOLE   0 0 2,400
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 205 2,494 SH   SOLE   250 0 2,244
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 836 9,794 SH   SOLE   350 0 9,444
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,500 6,334 SH   SOLE   0 0 6,334
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,424 20,390 SH   SOLE   250 0 20,140
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,174 24,479 SH   SOLE   1,180 0 23,299
VANGUARD INDEX FDS MID CAP ETF 922908629 7,098 53,914 SH   SOLE   1,095 0 52,819
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 613 6,765 SH   SOLE   1,625 0 5,140
VANGUARD INDEX FDS GROWTH ETF 922908736 26,537 169,358 SH   SOLE   4,481 0 164,877
VANGUARD INDEX FDS VALUE ETF 922908744 24,689 277,218 SH   SOLE   8,938 0 268,280
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,933 14,993 SH   SOLE   0 0 14,993
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,393 180,235 SH   SOLE   15,450 0 164,785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,067 121,221 SH   SOLE   4,686 0 116,535
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 310 4,975 SH   SOLE   0 0 4,975
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 239 3,025 SH   SOLE   0 0 3,025
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,577 53,940 SH   SOLE   650 0 53,290
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 15,458 463,657 SH   SOLE   18,800 0 444,857
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,989 98,786 SH   SOLE   3,975 0 94,811
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 357 2,590 SH   SOLE   0 0 2,590
VANGUARD WORLD FDS ENERGY ETF 92204A306 826 21,611 SH   SOLE   309 0 21,302
VERIZON COMMUNICATIONS INC COM 92343V104 12,491 232,474 SH   SOLE   9,668 0 222,806
VISA INC COM CL A 92826C839 592 3,675 SH   SOLE   0 0 3,675
VONAGE HLDGS CORP COM 92886T201 305 42,175 SH   SOLE   0 0 42,175
WALGREENS BOOTS ALLIANCE INC COM 931427108 487 10,650 SH   SOLE   350 0 10,300
WALMART INC COM 931142103 2,514 22,127 SH   SOLE   1,980 0 20,147
WASTE MGMT INC DEL COM 94106L109 1,899 20,520 SH   SOLE   1,535 0 18,985
WELLS FARGO CO NEW COM 949746101 4,074 141,948 SH   SOLE   7,476 0 134,472
WESTPORT FUEL SYSTEMS INC COM NEW 960908309 219 233,075 SH   SOLE   0 0 233,075
WEX INC COM 96208T104 222 2,125 SH   SOLE   0 0 2,125
WEYERHAEUSER CO COM 962166104 3,372 198,959 SH   SOLE   12,920 0 186,039
XCEL ENERGY INC COM 98389B100 249 4,125 SH   SOLE   0 0 4,125
YUM BRANDS INC COM 988498101 345 5,035 SH   SOLE   375 0 4,660