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
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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 663 3,826 SH   SOLE   3,826 0 0
ABBOTT LABS COM 002824100 242 2,882 SH   SOLE   1,882 0 1,000
ALPHABET INC CAP STK CL C 02079K107 492 455 SH   SOLE   349 0 106
ALTUS MIDSTREAM CO CL A 02215L100 37 10,000 SH   SOLE   10,000 0 0
AMAZON COM INC COM 023135106 1,246 658 SH   SOLE   578 0 80
APPLE INC COM 037833100 2,389 12,070 SH   SOLE   11,115 0 955
AT&T INC COM 00206R102 1,215 36,245 SH   SOLE   32,721 0 3,524
AUTOZONE INC COM 053332102 1,932 1,757 SH   SOLE   1,657 0 100
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,228 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,274 38,813 SH   SOLE   35,713 0 3,100
BOEING CO COM 097023105 245 673 SH   SOLE   673 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 276 6,097 SH   SOLE   4,784 0 1,313
CARMAX INC COM 143130102 388 4,473 SH   SOLE   3,285 0 1,188
THE CHARLES SCHWAB CORPORATI COM 808513105 637 15,850 SH   SOLE   14,777 0 1,073
CHEVRON CORP NEW COM 166764100 568 4,563 SH   SOLE   4,271 0 292
CISCO SYS INC COM 17275R102 260 4,748 SH   SOLE   4,748 0 0
COCA COLA CO COM 191216100 1,053 20,672 SH   SOLE   19,114 0 1,558
COSTCO WHSL CORP NEW COM 22160K105 241 913 SH   SOLE   763 0 150
CREDIT ACCEP CORP MICH COM 225310101 296 612 SH   SOLE   484 0 128
CVS HEALTH CORP COM 126650100 336 6,169 SH   SOLE   5,869 0 300
DOMINION ENERGY INC COM 25746U109 251 3,247 SH   SOLE   2,247 0 1,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 11,227 42,229 SH   SOLE   39,763 0 2,466
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 335 12,772 SH   SOLE   12,772 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 720 22,410 SH   SOLE   22,410 0 0
EXPEDITORS INTL WASH INC COM 302130109 748 9,855 SH   SOLE   9,855 0 0
EXXON MOBIL CORP COM 30231G102 2,045 26,680 SH   SOLE   21,790 0 4,890
FACEBOOK INC CL A 30303M102 283 1,466 SH   SOLE   1,225 0 241
FASTENAL CO COM 311900104 272 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 1,184 7,209 SH   SOLE   7,134 0 75
FIRST HORIZON NATL CORP COM 320517105 973 65,146 SH   SOLE   63,123 0 2,023
INDEXIQ ETF TR HDGD FTSE EURO 45409B552 1,744 88,865 SH   SOLE   84,270 0 4,595
GENERAL DYNAMICS CORP COM 369550108 216 1,188 SH   SOLE   1,188 0 0
GENERAL ELECTRIC CO COM 369604103 232 22,107 SH   SOLE   21,847 0 260
HOME DEPOT INC COM 437076102 299 1,438 SH   SOLE   1,438 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 816 5,920 SH   SOLE   5,620 0 300
IDEXX LABS INC COM 45168D104 2,270 8,245 SH   SOLE   8,245 0 0
ISHARES TR SELECT DIVID ETF 464287168 203 2,043 SH   SOLE   2,043 0 0
INTEL CORP COM 458140100 267 5,581 SH   SOLE   5,581 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,717 458,611 SH   SOLE   428,088 0 30,523
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 296 1,411 SH   SOLE   1,346 0 65
ISHARES TR CORE S&P MCP ETF 464287507 362 1,863 SH   SOLE   1,863 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,101 3,734 SH   SOLE   3,734 0 0
ISHARES TR HDG MSCI EAFE 46434V803 599 20,101 SH   SOLE   20,101 0 0
ISHARES TR EAFE SML CP ETF 464288273 222 3,870 SH   SOLE   3,870 0 0
ISHARES TR MRNGSTR LG-CP GR 464287119 495 2,581 SH   SOLE   2,581 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 330 3,057 SH   SOLE   3,057 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 762 3,929 SH   SOLE   3,929 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 3,618 14,382 SH   SOLE   13,471 0 911
ISHARES TR MRGSTR MD CP VAL 464288406 235 1,492 SH   SOLE   1,492 0 0
ISHARES TR MSCI EAFE ETF 464287465 450 6,849 SH   SOLE   6,849 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 8,706 299,174 SH   SOLE   275,332 0 23,842
ISHARES TR S&P 500 VAL ETF 464287408 680 5,835 SH   SOLE   5,835 0 0
ISHARES TR CORE S&P SCP ETF 464287804 9,688 123,756 SH   SOLE   116,980 0 6,776
ISHARES TR ULTR SH TRM BD 46434V878 277 5,500 SH   SOLE   5,500 0 0
JD COM INC SPON ADR CL A 47215P106 613 20,239 SH   SOLE   20,239 0 0
JERNIGAN CAP INC COM 476405105 1,882 91,783 SH   SOLE   91,783 0 0
JOHNSON & JOHNSON COM 478160104 1,858 13,343 SH   SOLE   12,343 0 1,000
JPMORGAN CHASE & CO COM 46625H100 260 2,328 SH   SOLE   2,228 0 100
MCDONALDS CORP COM 580135101 329 1,586 SH   SOLE   1,386 0 200
MERCK & CO INC COM 58933Y105 234 2,788 SH   SOLE   1,613 0 1,175
MICROSOFT CORP COM 594918104 1,607 11,995 SH   SOLE   11,495 0 500
MID AMER APT CMNTYS INC COM 59522J103 789 6,704 SH   SOLE   5,879 0 825
MONDELEZ INTL INC CL A 609207105 309 5,726 SH   SOLE   4,826 0 900
NEXTERA ENERGY INC COM 65339F101 542 2,644 SH   SOLE   2,644 0 0
NVIDIA CORP COM 67066G104 247 1,506 SH   SOLE   1,506 0 0
PEPSICO INC COM 713448108 823 6,273 SH   SOLE   6,273 0 0
PFIZER INC COM 717081103 860 19,861 SH   SOLE   16,263 0 3,598
PHILLIPS 66 COM 718546104 308 3,294 SH   SOLE   2,644 0 650
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 381 3,747 SH   SOLE   3,747 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 488 8,494 SH   SOLE   1,645 0 6,849
PROCTER AND GAMBLE CO COM 742718109 2,619 23,882 SH   SOLE   22,747 0 1,135
PROGRESSIVE CORP OHIO COM 743315103 1,187 14,850 SH   SOLE   14,850 0 0
PUBLIC STORAGE COM 74460D109 410 1,720 SH   SOLE   1,720 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 283 966 SH   SOLE   966 0 0
SAN JUAN BASIN RTY TR UNIT BEN INT 798241105 61 16,000 SH   SOLE   14,000 0 2,000
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 887 17,535 SH   SOLE   17,320 0 215
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 794 16,186 SH   SOLE   16,186 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 291 2,888 SH   SOLE   2,888 0 0
SUNTRUST BKS INC COM 867914103 630 10,021 SH   SOLE   5,521 0 4,500
TJX COS INC NEW COM 872540109 1,178 22,284 SH   SOLE   22,284 0 0
SOUTHERN CO COM 842587107 232 4,189 SH   SOLE   3,939 0 250
TORCHMARK CORP COM 891027104 618 6,907 SH   SOLE   6,907 0 0
TRACTOR SUPPLY CO COM 892356106 452 4,155 SH   SOLE   3,955 0 200
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 382 7,207 SH   SOLE   5,694 0 1,513
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 363 5,149 SH   SOLE   5,149 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 23,841 449,232 SH   SOLE   420,921 0 28,311
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,983 192,085 SH   SOLE   178,268 0 13,817
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 754 10,743 SH   SOLE   10,743 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 13,744 244,823 SH   SOLE   226,449 0 18,374
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 16,463 288,372 SH   SOLE   272,684 0 15,688
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,764 24,679 SH   SOLE   20,661 0 4,018
UNION PACIFIC CORP COM 907818108 1,137 6,722 SH   SOLE   6,722 0 0
UNITED PARCEL SERVICE INC CL B 911312106 319 3,092 SH   SOLE   3,092 0 0
UNITED TECHNOLOGIES CORP COM 913017109 274 2,107 SH   SOLE   2,107 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 221 5,198 SH   SOLE   5,198 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,340 133,702 SH   SOLE   121,658 0 12,044
VANGUARD INDEX FDS MID CAP ETF 922908629 350 2,095 SH   SOLE   2,095 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 419 4,790 SH   SOLE   4,790 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 212 1,625 SH   SOLE   1,625 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 564 10,694 SH   SOLE   10,393 0 301
VANGUARD INDEX FDS TOTAL STK MKT 922908769 216 1,436 SH   SOLE   1,436 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 257 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 734 12,856 SH   SOLE   10,856 0 2,000
VISA INC COM CL A 92826C839 1,046 6,026 SH   SOLE   4,991 0 1,035
WALGREENS BOOTS ALLIANCE INC COM 931427108 469 8,582 SH   SOLE   7,378 0 1,204
WALMART INC COM 931142103 967 8,754 SH   SOLE   7,554 0 1,200
DISNEY WALT CO COM DISNEY 254687106 209 1,495 SH   SOLE   950 0 545
WASTE MGMT INC DEL COM 94106L109 236 2,048 SH   SOLE   2,048 0 0
WELLS FARGO CO NEW COM 949746101 602 12,728 SH   SOLE   10,928 0 1,800
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 11,262 344,208 SH   SOLE   323,182 0 21,026