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 547 4,006 SH   SOLE   4,006 0 0
ABBOTT LABS COM 002824100 207 2,628 SH   SOLE   1,828 0 800
ALPHABET INC CAP STK CL A 02079K305 245 211 SH   SOLE   196 0 15
ALPHABET INC CAP STK CL C 02079K107 547 470 SH   SOLE   372 0 98
AMAZON COM INC COM 023135106 1,538 789 SH   SOLE   724 0 65
APPLE INC COM 037833100 3,166 12,452 SH   SOLE   11,420 0 1,032
AT&T INC COM 00206R102 1,072 36,787 SH   SOLE   26,665 0 10,122
AUTOZONE INC COM 053332102 1,486 1,757 SH   SOLE   1,657 0 100
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,904 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,767 37,014 SH   SOLE   33,020 0 3,994
BRISTOL-MYERS SQUIBB CO COM 110122108 354 6,352 SH   SOLE   4,739 0 1,613
CARMAX INC COM 143130102 241 4,481 SH   SOLE   3,285 0 1,196
SCHWAB CHARLES CORP COM 808513105 476 14,173 SH   SOLE   12,652 0 1,521
CHEVRON CORP NEW COM 166764100 336 4,634 SH   SOLE   2,222 0 2,412
CISCO SYS INC COM 17275R102 200 5,093 SH   SOLE   5,093 0 0
COCA COLA CO COM 191216100 925 20,896 SH   SOLE   19,238 0 1,658
COSTCO WHSL CORP NEW COM 22160K105 262 918 SH   SOLE   768 0 150
CVS HEALTH CORP COM 126650100 365 6,160 SH   SOLE   5,860 0 300
DOMINION ENERGY INC COM 25746U109 242 3,347 SH   SOLE   2,347 0 1,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 9,284 42,350 SH   SOLE   39,498 0 2,852
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 289 13,988 SH   SOLE   13,988 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 731 23,205 SH   SOLE   23,205 0 0
EXPEDITORS INTL WASH INC COM 302130109 658 9,855 SH   SOLE   9,855 0 0
EXXON MOBIL CORP COM 30231G102 995 26,217 SH   SOLE   21,827 0 4,390
FACEBOOK INC CL A 30303M102 280 1,681 SH   SOLE   1,398 0 283
FASTENAL CO COM 311900104 261 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 926 7,634 SH   SOLE   7,439 0 195
FIRST HORIZON NATL CORP COM 320517105 201 24,922 SH   SOLE   22,399 0 2,523
INDEXIQ ETF TR HDGD FTSE EURO 45409B552 1,534 96,516 SH   SOLE   91,795 0 4,721
GENERAL ELECTRIC CO COM 369604103 176 22,108 SH   SOLE   3,648 0 18,460
GLOBE LIFE INC COM 37959E102 497 6,913 SH   SOLE   6,913 0 0
HOME DEPOT INC COM 437076102 374 2,001 SH   SOLE   1,881 0 120
INTERNATIONAL BUSINESS MACHS COM 459200101 624 5,629 SH   SOLE   5,629 0 0
IDEXX LABS INC COM 45168D104 1,973 8,145 SH   SOLE   8,145 0 0
INTEL CORP COM 458140100 302 5,581 SH   SOLE   5,581 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,439 481,369 SH   SOLE   444,809 0 36,560
INVESCO QQQ TR UNIT SER 1 46090E103 288 1,514 SH   SOLE   1,514 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 276 1,411 SH   SOLE   1,346 0 65
ISHARES TR CORE S&P MCP ETF 464287507 268 1,863 SH   SOLE   1,863 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 244 4,840 SH   SOLE   4,840 0 0
ISHARES TR CORE S&P500 ETF 464287200 945 3,659 SH   SOLE   3,659 0 0
ISHARES TR HDG MSCI EAFE 46434V803 580 23,961 SH   SOLE   23,961 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 602 12,354 SH   SOLE   12,354 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,171 10,150 SH   SOLE   0 0 10,150
ISHARES TR MRNGSTR LG-CP GR 464287119 479 2,581 SH   SOLE   2,581 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 265 3,057 SH   SOLE   3,057 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 591 3,856 SH   SOLE   3,856 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 3,043 13,951 SH   SOLE   12,929 0 1,022
ISHARES TR MSCI EAFE ETF 464287465 366 6,848 SH   SOLE   6,848 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 7,316 302,324 SH   SOLE   274,907 0 27,417
ISHARES TR S&P 500 VAL ETF 464287408 573 5,954 SH   SOLE   5,954 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,557 134,678 SH   SOLE   126,187 0 8,491
ISHARES TR ULTR SH TRM BD 46434V878 420 8,400 SH   SOLE   8,400 0 0
JD COM INC SPON ADR CL A 47215P106 682 16,839 SH   SOLE   16,839 0 0
JERNIGAN CAP INC COM 476405105 1,071 97,683 SH   SOLE   97,683 0 0
JOHNSON & JOHNSON COM 478160104 1,719 13,111 SH   SOLE   12,111 0 1,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 286 5,750 SH   SOLE   5,750 0 0
JPMORGAN CHASE & CO COM 46625H100 261 2,894 SH   SOLE   2,794 0 100
MCDONALDS CORP COM 580135101 263 1,589 SH   SOLE   1,389 0 200
MERCK & CO. INC COM 58933Y105 207 2,688 SH   SOLE   1,563 0 1,125
MICROSOFT CORP COM 594918104 1,946 12,337 SH   SOLE   11,837 0 500
MID AMER APT CMNTYS INC COM 59522J103 689 6,687 SH   SOLE   5,862 0 825
MONDELEZ INTL INC CL A 609207105 268 5,353 SH   SOLE   4,453 0 900
NEXTERA ENERGY INC COM 65339F101 637 2,647 SH   SOLE   2,647 0 0
NIKE INC CL B 654106103 202 2,440 SH   SOLE   2,440 0 0
NVIDIA CORP COM 67066G104 452 1,716 SH   SOLE   1,716 0 0
PEPSICO INC COM 713448108 757 6,304 SH   SOLE   6,304 0 0
PFIZER INC COM 717081103 663 20,308 SH   SOLE   16,234 0 4,074
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 812 8,208 SH   SOLE   8,208 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 319 8,494 SH   SOLE   1,645 0 6,849
PROCTER & GAMBLE CO COM 742718109 2,606 23,694 SH   SOLE   22,559 0 1,135
PROGRESSIVE CORP OHIO COM 743315103 1,097 14,850 SH   SOLE   14,850 0 0
PUBLIC STORAGE COM 74460D109 342 1,720 SH   SOLE   1,720 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 211 818 SH   SOLE   818 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 643 12,439 SH   SOLE   12,224 0 215
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 834 17,396 SH   SOLE   17,396 0 0
SPDR SER TR S&P DIVID ETF 78464A763 231 2,888 SH   SOLE   2,888 0 0
STEREOTAXIS INC COM NEW 85916J409 36 12,000 SH   SOLE   12,000 0 0
TJX COS INC NEW COM 872540109 1,059 22,149 SH   SOLE   22,149 0 0
SOUTHERN CO COM 842587107 219 4,040 SH   SOLE   3,790 0 250
TRACTOR SUPPLY CO COM 892356106 346 4,090 SH   SOLE   3,890 0 200
TRUIST FINL CORP COM 89832Q109 405 13,126 SH   SOLE   7,299 0 5,827
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 311 5,150 SH   SOLE   5,150 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 21,008 467,047 SH   SOLE   433,366 0 33,681
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,410 193,470 SH   SOLE   178,342 0 15,128
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 658 10,743 SH   SOLE   10,743 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,990 248,259 SH   SOLE   227,384 0 20,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,299 315,451 SH   SOLE   297,787 0 17,664
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,398 27,128 SH   SOLE   23,030 0 4,098
UNION PAC CORP COM 907818108 945 6,699 SH   SOLE   6,699 0 0
UNITED PARCEL SERVICE INC CL B 911312106 303 3,245 SH   SOLE   3,245 0 0
UNITED TECHNOLOGIES CORP COM 913017109 225 2,386 SH   SOLE   2,386 0 0
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 746 17,060 SH   SOLE   16,750 0 310
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 6,013 138,936 SH   SOLE   125,347 0 13,589
VANGUARD INDEX FDS MID CAP ETF 922908629 276 2,095 SH   SOLE   2,095 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 478 8,775 SH   SOLE   8,775 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 335 4,793 SH   SOLE   4,793 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 475 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 485 4,092 SH   SOLE   0 0 4,092
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 248 4,403 SH   SOLE   4,403 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 449 10,695 SH   SOLE   10,394 0 301
VANGUARD INDEX FDS VALUE ETF 922908744 208 2,331 SH   SOLE   992 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 645 12,007 SH   SOLE   8,679 0 3,328
VISA INC COM CL A 92826C839 923 5,729 SH   SOLE   4,908 0 821
WALGREENS BOOTS ALLIANCE INC COM 931427108 387 8,465 SH   SOLE   7,261 0 1,204
WALMART INC COM 931142103 978 8,610 SH   SOLE   7,410 0 1,200
DISNEY WALT CO COM DISNEY 254687106 202 2,093 SH   SOLE   1,053 0 1,040
WELLS FARGO CO NEW COM 949746101 381 13,291 SH   SOLE   11,491 0 1,800
WEC ENERGY GROUP INC COM 92939U106 204 2,317 SH   SOLE   317 0 2,000
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 10,833 357,822 SH   SOLE   332,489 0 25,333