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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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 626 3,906 SH   SOLE   3,906 0 0
ABBOTT LABS COM 002824100 397 3,648 SH   SOLE   3,648 0 0
ABBVIE INC COM 00287Y109 336 3,834 SH   SOLE   3,834 0 0
ALPHABET INC CAP STK CL A 02079K305 245 167 SH   SOLE   152 0 15
ALPHABET INC CAP STK CL C 02079K107 679 462 SH   SOLE   387 0 75
AMAZON COM INC COM 023135106 2,264 719 SH   SOLE   719 0 0
APPLE INC COM 037833100 5,109 44,118 SH   SOLE   41,585 0 2,532
ARK ETF TR GENOMIC REV ETF 00214Q302 209 3,279 SH   SOLE   3,279 0 0
ARK ETF TR INNOVATION ETF 00214Q104 289 3,139 SH   SOLE   3,139 0 0
AT&T INC COM 00206R102 1,059 37,144 SH   SOLE   35,406 0 1,738
AUTOZONE INC COM 053332102 2,022 1,717 SH   SOLE   1,717 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,240 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,929 37,234 SH   SOLE   34,960 0 2,274
BRISTOL-MYERS SQUIBB CO COM 110122108 465 7,720 SH   SOLE   7,307 0 413
CARMAX INC COM 143130102 382 4,154 SH   SOLE   3,285 0 869
SCHWAB CHARLES CORP COM 808513105 480 13,248 SH   SOLE   11,977 0 1,271
CHEVRON CORP NEW COM 166764100 313 4,347 SH   SOLE   3,895 0 452
CISCO SYS INC COM 17275R102 252 6,410 SH   SOLE   6,410 0 0
COCA COLA CO COM 191216100 1,045 21,163 SH   SOLE   20,763 0 400
COSTCO WHSL CORP NEW COM 22160K105 332 936 SH   SOLE   936 0 0
CREDIT ACCEP CORP MICH COM 225310101 220 649 SH   SOLE   484 0 165
CVS HEALTH CORP COM 126650100 410 7,025 SH   SOLE   7,025 0 0
DANAHER CORPORATION COM 235851102 271 1,259 SH   SOLE   1,259 0 0
DOMINION ENERGY INC COM 25746U109 413 5,232 SH   SOLE   5,232 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 11,926 42,975 SH   SOLE   40,394 0 2,581
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 402 15,008 SH   SOLE   15,008 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 1,235 23,645 SH   SOLE   23,645 0 0
EXPEDITORS INTL WASH INC COM 302130109 892 9,855 SH   SOLE   9,855 0 0
EXXON MOBIL CORP COM 30231G102 919 26,759 SH   SOLE   23,369 0 3,390
FACEBOOK INC CL A 30303M102 397 1,515 SH   SOLE   1,211 0 304
FASTENAL CO COM 311900104 377 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 1,861 7,401 SH   SOLE   7,206 0 195
FIRST HORIZON NATL CORP COM 320517105 228 24,127 SH   SOLE   22,604 0 1,523
GENERAL ELECTRIC CO COM 369604103 137 22,013 SH   SOLE   21,753 0 260
GLOBE LIFE INC COM 37959E102 553 6,917 SH   SOLE   6,917 0 0
HOME DEPOT INC COM 437076102 666 2,398 SH   SOLE   2,278 0 120
INTERNATIONAL BUSINESS MACHS COM 459200101 757 6,219 SH   SOLE   6,219 0 0
IDEXX LABS INC COM 45168D104 3,202 8,145 SH   SOLE   8,145 0 0
INTEL CORP COM 458140100 259 5,003 SH   SOLE   5,003 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,040 478,981 SH   SOLE   443,822 0 35,159
INVESCO QQQ TR UNIT SER 1 46090E103 938 3,375 SH   SOLE   3,375 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 354 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 311 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 208 4,026 SH   SOLE   4,026 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,099 3,269 SH   SOLE   3,269 0 0
ISHARES TR HDG MSCI EAFE 46434V803 586 21,270 SH   SOLE   21,270 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 604 11,911 SH   SOLE   11,911 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,757 14,880 SH   SOLE   5,306 0 9,574
ISHARES TR MRNGSTR LG-CP GR 464287119 579 2,166 SH   SOLE   2,166 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 252 2,545 SH   SOLE   2,545 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 740 3,696 SH   SOLE   3,696 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 4,291 13,389 SH   SOLE   12,367 0 1,022
ISHARES TR MSCI EAFE ETF 464287465 607 9,530 SH   SOLE   9,530 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 9,030 329,089 SH   SOLE   303,077 0 26,012
ISHARES TR RUS 1000 ETF 464287622 225 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 272 1,179 SH   SOLE   1,179 0 0
ISHARES TR S&P 500 VAL ETF 464287408 686 6,104 SH   SOLE   6,104 0 0
ISHARES TR CORE S&P SCP ETF 464287804 9,582 136,444 SH   SOLE   127,431 0 9,013
ISHARES TR ULTR SH TRM BD 46434V878 496 9,800 SH   SOLE   9,800 0 0
JD.COM INC SPON ADR CL A 47215P106 863 11,114 SH   SOLE   11,114 0 0
JERNIGAN CAP INC COM 476405105 1,664 97,083 SH   SOLE   97,083 0 0
JOHNSON & JOHNSON COM 478160104 1,995 13,401 SH   SOLE   13,201 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 228 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 324 3,367 SH   SOLE   3,367 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 245 1,355 SH   SOLE   1,355 0 0
LILLY ELI & CO COM 532457108 202 1,363 SH   SOLE   1,363 0 0
LINCOLN NATL CORP IND COM 534187109 220 7,008 SH   SOLE   7,008 0 0
MASTERCARD INCORPORATED CL A 57636Q104 319 943 SH   SOLE   768 0 175
MCDONALDS CORP COM 580135101 351 1,601 SH   SOLE   1,401 0 200
MERCK & CO. INC COM 58933Y105 412 4,972 SH   SOLE   4,972 0 0
MICROSOFT CORP COM 594918104 2,813 13,373 SH   SOLE   13,373 0 0
MID-AMER APT CMNTYS INC COM 59522J103 856 7,382 SH   SOLE   7,382 0 0
MODERNA INC COM 60770K107 225 3,174 SH   SOLE   3,174 0 0
MONDELEZ INTL INC CL A 609207105 308 5,355 SH   SOLE   4,855 0 500
NEXTERA ENERGY INC COM 65339F101 767 2,762 SH   SOLE   2,762 0 0
NIKE INC CL B 654106103 306 2,440 SH   SOLE   2,440 0 0
NVIDIA CORPORATION COM 67066G104 447 826 SH   SOLE   826 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 219 474 SH   SOLE   474 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 430 4,330 SH   SOLE   4,330 0 0
PEPSICO INC COM 713448108 928 6,694 SH   SOLE   6,694 0 0
PFIZER INC COM 717081103 780 21,250 SH   SOLE   21,250 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 771 7,562 SH   SOLE   7,562 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 306 8,595 SH   SOLE   1,746 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,220 23,166 SH   SOLE   23,166 0 0
PROGRESSIVE CORP COM 743315103 1,406 14,850 SH   SOLE   14,850 0 0
PUBLIC STORAGE COM 74460D109 383 1,720 SH   SOLE   1,720 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 288 5,978 SH   SOLE   5,978 0 0
ROYAL BK CDA COM 780087102 275 3,918 SH   SOLE   3,918 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 693 2,068 SH   SOLE   2,068 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 744 14,439 SH   SOLE   14,224 0 215
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 855 17,346 SH   SOLE   17,346 0 0
SPDR SER TR S&P DIVID ETF 78464A763 267 2,888 SH   SOLE   2,888 0 0
TJX COS INC NEW COM 872540109 1,233 22,149 SH   SOLE   22,149 0 0
TESLA INC COM 88160R101 357 831 SH   SOLE   831 0 0
TEXAS INSTRS INC COM 882508104 207 1,452 SH   SOLE   1,452 0 0
SOUTHERN CO COM 842587107 237 4,371 SH   SOLE   4,121 0 250
TRACTOR SUPPLY CO COM 892356106 586 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 558 14,670 SH   SOLE   10,138 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 410 5,150 SH   SOLE   5,150 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 25,800 466,549 SH   SOLE   435,065 0 31,484
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 21,543 187,053 SH   SOLE   173,367 0 13,686
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 764 9,473 SH   SOLE   9,473 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 13,041 249,869 SH   SOLE   229,481 0 20,388
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 17,602 317,271 SH   SOLE   299,074 0 18,196
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,982 29,016 SH   SOLE   24,788 0 4,228
UNION PAC CORP COM 907818108 1,326 6,734 SH   SOLE   6,734 0 0
UNITED PARCEL SERVICE INC CL B 911312106 557 3,343 SH   SOLE   3,343 0 0
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 1,419 26,000 SH   SOLE   24,740 0 1,260
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 208 1,617 SH   SOLE   1,504 0 113
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 8,123 154,934 SH   SOLE   141,206 0 13,728
VANGUARD INDEX FDS MID CAP ETF 922908629 315 1,785 SH   SOLE   1,785 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 451 8,311 SH   SOLE   8,311 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 372 4,714 SH   SOLE   4,714 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 665 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 622 4,092 SH   SOLE   0 0 4,092
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 256 4,403 SH   SOLE   4,403 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 558 10,695 SH   SOLE   10,394 0 301
VANGUARD INDEX FDS TOTAL STK MKT 922908769 245 1,436 SH   SOLE   1,436 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 242 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 841 14,135 SH   SOLE   13,435 0 700
VISA INC COM CL A 92826C839 1,179 5,895 SH   SOLE   5,895 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 304 8,472 SH   SOLE   7,768 0 704
WALMART INC COM 931142103 1,958 13,995 SH   SOLE   13,795 0 200
DISNEY WALT CO COM DISNEY 254687106 301 2,425 SH   SOLE   1,010 0 1,415
WELLS FARGO CO NEW COM 949746101 360 15,334 SH   SOLE   14,934 0 400
WEC ENERGY GROUP INC COM 92939U106 362 3,735 SH   SOLE   3,735 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 12,775 349,330 SH   SOLE   326,421 0 22,909