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 688 3,901 SH   SOLE   3,901 0 0
ABBOTT LABS COM 002824100 248 2,851 SH   SOLE   1,851 0 1,000
ABBVIE INC COM 00287Y109 223 2,523 SH   SOLE   2,523 0 0
ALPHABET INC CAP STK CL A 02079K305 224 167 SH   SOLE   152 0 15
ALPHABET INC CAP STK CL C 02079K107 628 470 SH   SOLE   359 0 111
AMAZON COM INC COM 023135106 1,308 708 SH   SOLE   638 0 70
APPLE INC COM 037833100 3,508 11,948 SH   SOLE   10,993 0 955
AT&T INC COM 00206R102 1,374 35,156 SH   SOLE   30,744 0 4,412
AUTOZONE INC COM 053332102 2,093 1,757 SH   SOLE   1,657 0 100
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,377 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,238 36,370 SH   SOLE   33,425 0 2,945
BOEING CO COM 097023105 219 673 SH   SOLE   673 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 391 6,097 SH   SOLE   4,784 0 1,313
CARMAX INC COM 143130102 375 4,276 SH   SOLE   3,285 0 991
THE CHARLES SCHWAB CORPORATI COM 808513105 659 13,850 SH   SOLE   12,777 0 1,073
CHEVRON CORP NEW COM 166764100 551 4,570 SH   SOLE   4,118 0 452
CISCO SYS INC COM 17275R102 230 4,787 SH   SOLE   4,787 0 0
COCA COLA CO COM 191216100 1,142 20,636 SH   SOLE   19,078 0 1,558
COSTCO WHSL CORP NEW COM 22160K105 268 913 SH   SOLE   763 0 150
CREDIT ACCEP CORP MICH COM 225310101 278 628 SH   SOLE   484 0 144
CVS HEALTH CORP COM 126650100 458 6,169 SH   SOLE   5,869 0 300
DOMINION ENERGY INC COM 25746U109 269 3,247 SH   SOLE   2,247 0 1,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 12,007 42,115 SH   SOLE   39,534 0 2,581
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 378 13,809 SH   SOLE   13,809 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 804 22,772 SH   SOLE   22,772 0 0
EXPEDITORS INTL WASH INC COM 302130109 769 9,855 SH   SOLE   9,855 0 0
EXXON MOBIL CORP COM 30231G102 1,831 26,235 SH   SOLE   21,745 0 4,490
FACEBOOK INC CL A 30303M102 310 1,508 SH   SOLE   1,225 0 283
FASTENAL CO COM 311900104 309 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 1,090 7,206 SH   SOLE   7,131 0 75
FIRST HORIZON NATL CORP COM 320517105 397 23,944 SH   SOLE   21,921 0 2,023
INDEXIQ ETF TR HDGD FTSE EURO 45409B552 1,948 93,263 SH   SOLE   88,486 0 4,777
GENERAL DYNAMICS CORP COM 369550108 210 1,188 SH   SOLE   1,188 0 0
GENERAL ELECTRIC CO COM 369604103 247 22,108 SH   SOLE   21,848 0 260
GLOBE LIFE INC COM 37959E102 727 6,911 SH   SOLE   6,911 0 0
HOME DEPOT INC COM 437076102 353 1,618 SH   SOLE   1,618 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 794 5,926 SH   SOLE   5,626 0 300
IDEXX LABS INC COM 45168D104 2,153 8,245 SH   SOLE   8,245 0 0
INTEL CORP COM 458140100 334 5,581 SH   SOLE   5,581 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,004 475,892 SH   SOLE   441,119 0 34,773
INVESCO QQQ TR UNIT SER 1 46090E103 209 984 SH   SOLE   984 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 329 1,411 SH   SOLE   1,346 0 65
ISHARES TR CORE S&P MCP ETF 464287507 383 1,863 SH   SOLE   1,863 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 282 5,596 SH   SOLE   5,596 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,205 3,729 SH   SOLE   3,729 0 0
ISHARES TR HDG MSCI EAFE 46434V803 664 21,759 SH   SOLE   21,759 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 629 12,354 SH   SOLE   12,354 0 0
ISHARES TR MRNGSTR LG-CP GR 464287119 542 2,581 SH   SOLE   2,581 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 358 3,057 SH   SOLE   3,057 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 808 3,856 SH   SOLE   3,856 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 3,752 14,268 SH   SOLE   13,246 0 1,022
ISHARES TR MRGSTR MD CP VAL 464288406 252 1,492 SH   SOLE   1,492 0 0
ISHARES TR MSCI EAFE ETF 464287465 495 7,134 SH   SOLE   7,134 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 9,456 303,750 SH   SOLE   278,687 0 25,063
ISHARES TR RUS 1000 ETF 464287622 214 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 206 1,065 SH   SOLE   1,065 0 0
ISHARES TR S&P 500 VAL ETF 464287408 775 5,954 SH   SOLE   5,954 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,968 130,803 SH   SOLE   122,646 0 8,157
ISHARES TR ULTR SH TRM BD 46434V878 423 8,400 SH   SOLE   8,400 0 0
JD COM INC SPON ADR CL A 47215P106 593 16,839 SH   SOLE   16,839 0 0
JERNIGAN CAP INC COM 476405105 1,818 94,983 SH   SOLE   94,983 0 0
JOHNSON & JOHNSON COM 478160104 1,911 13,099 SH   SOLE   12,099 0 1,000
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 361 7,150 SH   SOLE   7,150 0 0
JPMORGAN CHASE & CO COM 46625H100 322 2,308 SH   SOLE   2,208 0 100
KANSAS CITY SOUTHERN COM NEW 485170302 208 1,355 SH   SOLE   1,355 0 0
MASTERCARD INC CL A 57636Q104 210 703 SH   SOLE   500 0 203
MCDONALDS CORP COM 580135101 314 1,588 SH   SOLE   1,388 0 200
MERCK & CO INC COM 58933Y105 272 2,988 SH   SOLE   1,613 0 1,375
MICROSOFT CORP COM 594918104 1,864 11,818 SH   SOLE   11,318 0 500
MID AMER APT CMNTYS INC COM 59522J103 881 6,683 SH   SOLE   5,858 0 825
MONDELEZ INTL INC CL A 609207105 295 5,351 SH   SOLE   4,451 0 900
NATIONAL OILWELL VARCO INC COM 637071101 212 8,468 SH   SOLE   8,468 0 0
NEXTERA ENERGY INC COM 65339F101 641 2,646 SH   SOLE   2,646 0 0
NIKE INC CL B 654106103 241 2,380 SH   SOLE   2,380 0 0
NVIDIA CORP COM 67066G104 360 1,531 SH   SOLE   1,531 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 208 474 SH   SOLE   474 0 0
PEPSICO INC COM 713448108 858 6,281 SH   SOLE   6,281 0 0
PFIZER INC COM 717081103 756 19,283 SH   SOLE   16,209 0 3,074
PHILLIPS 66 COM 718546104 367 3,295 SH   SOLE   2,645 0 650
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 832 8,187 SH   SOLE   8,187 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 544 8,494 SH   SOLE   1,645 0 6,849
PROCTER & GAMBLE CO COM 742718109 2,956 23,667 SH   SOLE   22,532 0 1,135
PROGRESSIVE CORP OHIO COM 743315103 1,075 14,850 SH   SOLE   14,850 0 0
PUBLIC STORAGE COM 74460D109 366 1,720 SH   SOLE   1,720 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 222 5,278 SH   SOLE   5,278 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 289 898 SH   SOLE   898 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 880 17,438 SH   SOLE   17,223 0 215
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 803 16,386 SH   SOLE   16,386 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 311 2,888 SH   SOLE   2,888 0 0
STEREOTAXIS INC COM NEW 85916J409 61 11,500 SH   SOLE   11,500 0 0
TJX COS INC NEW COM 872540109 1,361 22,284 SH   SOLE   22,284 0 0
SOUTHERN CO COM 842587107 256 4,027 SH   SOLE   3,777 0 250
TRACTOR SUPPLY CO COM 892356106 388 4,155 SH   SOLE   3,955 0 200
TRUIST FINL CORP COM 89832Q109 736 13,070 SH   SOLE   7,243 0 5,827
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 205 3,832 SH   SOLE   3,832 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 396 5,150 SH   SOLE   5,150 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 26,604 459,320 SH   SOLE   429,963 0 29,357
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,814 191,734 SH   SOLE   177,396 0 14,338
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 825 10,743 SH   SOLE   10,743 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,779 245,822 SH   SOLE   226,424 0 19,398
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 18,597 309,170 SH   SOLE   292,925 0 16,245
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,967 26,011 SH   SOLE   21,960 0 4,051
UNION PACIFIC CORP COM 907818108 1,209 6,689 SH   SOLE   6,689 0 0
UNITED PARCEL SERVICE INC CL B 911312106 362 3,092 SH   SOLE   3,092 0 0
UNITED TECHNOLOGIES CORP COM 913017109 305 2,036 SH   SOLE   2,036 0 0
VANECK VECTORS ETF TRUST MORNINGSTAR WIDE 92189F643 341 6,220 SH   SOLE   5,910 0 310
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,952 135,707 SH   SOLE   123,289 0 12,418
VANGUARD INDEX FDS MID CAP ETF 922908629 373 2,095 SH   SOLE   2,095 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 982 18,470 SH   SOLE   18,470 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 445 4,792 SH   SOLE   4,792 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 214 1,563 SH   SOLE   1,563 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 409 7,231 SH   SOLE   7,231 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 596 10,694 SH   SOLE   10,393 0 301
VANGUARD INDEX FDS TOTAL STK MKT 922908769 235 1,436 SH   SOLE   1,436 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 279 2,331 SH   SOLE   992 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 728 11,860 SH   SOLE   9,860 0 2,000
VISA INC COM CL A 92826C839 1,079 5,745 SH   SOLE   4,891 0 854
WALGREENS BOOTS ALLIANCE INC COM 931427108 511 8,661 SH   SOLE   7,457 0 1,204
WALMART INC COM 931142103 1,023 8,610 SH   SOLE   7,410 0 1,200
WELLS FARGO CO NEW COM 949746101 702 13,040 SH   SOLE   11,240 0 1,800
WEYERHAEUSER CO COM 962166104 219 7,266 SH   SOLE   7,266 0 0
WEC ENERGY GROUP INC COM 92939U106 214 2,317 SH   SOLE   317 0 2,000
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 12,960 356,736 SH   SOLE   331,797 0 24,939