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 702 4,003 SH   SOLE   4,003 0 0
ABBOTT LABS COM 002824100 437 3,696 SH   SOLE   3,696 0 0
ABBVIE INC COM 00287Y109 417 3,863 SH   SOLE   3,863 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 270 5,450 SH   SOLE   5,450 0 0
ALPHABET INC CAP STK CL A 02079K305 460 172 SH   SOLE   122 0 50
ALPHABET INC CAP STK CL C 02079K107 1,154 433 SH   SOLE   433 0 0
AMAZON COM INC COM 023135106 3,052 929 SH   SOLE   888 0 41
AMERICAN EXPRESS CO COM 025816109 213 1,270 SH   SOLE   1,270 0 0
APPLE INC COM 037833100 6,380 45,090 SH   SOLE   41,357 0 3,732
ARK ETF TR GENOMIC REV ETF 00214Q302 208 2,788 SH   SOLE   2,788 0 0
ARK ETF TR INNOVATION ETF 00214Q104 293 2,648 SH   SOLE   2,648 0 0
AT&T INC COM 00206R102 1,044 38,636 SH   SOLE   34,572 0 4,064
AUTOMATIC DATA PROCESSING IN COM 053015103 224 1,120 SH   SOLE   1,120 0 0
AUTOZONE INC COM 053332102 2,831 1,667 SH   SOLE   1,667 0 0
BK OF AMERICA CORP COM 060505104 285 6,710 SH   SOLE   3,078 0 3,632
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,880 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,819 35,974 SH   SOLE   33,574 0 2,400
BRISTOL-MYERS SQUIBB CO COM 110122108 460 7,780 SH   SOLE   7,367 0 413
CARMAX INC COM 143130102 420 3,285 SH   SOLE   3,285 0 0
SCHWAB CHARLES CORP COM 808513105 841 11,542 SH   SOLE   11,542 0 0
CHEVRON CORP NEW COM 166764100 403 3,972 SH   SOLE   3,520 0 452
CISCO SYS INC COM 17275R102 323 5,928 SH   SOLE   5,928 0 0
COCA COLA CO COM 191216100 1,128 21,490 SH   SOLE   21,090 0 400
COSTCO WHSL CORP NEW COM 22160K105 463 1,031 SH   SOLE   1,031 0 0
CREDIT ACCEP CORP MICH COM 225310101 283 484 SH   SOLE   484 0 0
CVS HEALTH CORP COM 126650100 433 5,100 SH   SOLE   5,100 0 0
DANAHER CORPORATION COM 235851102 349 1,147 SH   SOLE   1,147 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 611 12,952 SH   SOLE   12,952 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 300 5,217 SH   SOLE   5,217 0 0
DOMINION ENERGY INC COM 25746U109 435 5,958 SH   SOLE   5,958 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 13,825 40,866 SH   SOLE   38,089 0 2,777
DUKE ENERGY CORP NEW COM NEW 26441C204 291 2,978 SH   SOLE   2,817 0 161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 470 15,406 SH   SOLE   15,406 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 1,025 20,662 SH   SOLE   20,662 0 0
EMERSON ELEC CO COM 291011104 310 3,290 SH   SOLE   2,060 0 1,230
ENTERPRISE PRODS PARTNERS L COM 293792107 208 9,618 SH   SOLE   9,618 0 0
EXPEDITORS INTL WASH INC COM 302130109 1,187 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 1,509 25,657 SH   SOLE   22,467 0 3,190
FACEBOOK INC CL A 30303M102 371 1,093 SH   SOLE   1,093 0 0
FASTENAL CO COM 311900104 431 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 1,733 7,904 SH   SOLE   7,024 0 880
FIRST HORIZON CORPORATION COM 320517105 182 11,156 SH   SOLE   9,633 0 1,523
GENERAC HLDGS INC COM 368736104 260 635 SH   SOLE   185 0 450
GENERAL DYNAMICS CORP COM 369550108 302 1,543 SH   SOLE   1,543 0 0
GLOBE LIFE INC COM 37959E102 617 6,926 SH   SOLE   6,926 0 0
HOME DEPOT INC COM 437076102 964 2,937 SH   SOLE   2,198 0 739
INTERNATIONAL BUSINESS MACHS COM 459200101 870 6,263 SH   SOLE   6,263 0 0
IDEXX LABS INC COM 45168D104 4,988 8,021 SH   SOLE   8,021 0 0
INTEL CORP COM 458140100 311 5,846 SH   SOLE   5,846 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,445 502,461 SH   SOLE   474,487 0 27,974
INVESCO QQQ TR UNIT SER 1 46090E103 863 2,411 SH   SOLE   2,411 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 446 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 441 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 518 10,138 SH   SOLE   10,138 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,368 3,175 SH   SOLE   3,175 0 0
ISHARES TR HDG MSCI EAFE 46434V803 787 22,873 SH   SOLE   22,873 0 0
ISHARES TR EAFE GRWTH ETF 464288885 229 2,152 SH   SOLE   2,152 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 596 11,727 SH   SOLE   11,727 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,230 10,716 SH   SOLE   295 0 10,421
ISHARES TR MORNINGSTAR GRWT 464287119 710 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109 324 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 881 13,244 SH   SOLE   13,244 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 4,925 71,497 SH   SOLE   65,665 0 5,832
ISHARES TR MRGSTR MD CP VAL 464288406 283 4,476 SH   SOLE   4,476 0 0
ISHARES TR MBS ETF 464288588 415 3,833 SH   SOLE   3,833 0 0
ISHARES TR MSCI EAFE ETF 464287465 729 9,346 SH   SOLE   9,346 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 11,114 325,343 SH   SOLE   303,878 0 21,465
ISHARES TR RUS 1000 ETF 464287622 290 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 350 4,736 SH   SOLE   4,736 0 0
ISHARES TR S&P 500 VAL ETF 464287408 924 6,354 SH   SOLE   6,354 0 0
ISHARES TR CORE S&P SCP ETF 464287804 15,445 141,453 SH   SOLE   134,726 0 6,727
ISHARES TR BLACKROCK ULTRA 46434V878 389 7,700 SH   SOLE   7,700 0 0
JD.COM INC SPON ADR CL A 47215P106 631 8,729 SH   SOLE   8,729 0 0
JOHNSON & JOHNSON COM 478160104 2,297 14,222 SH   SOLE   14,022 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 227 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 719 4,390 SH   SOLE   3,536 0 854
KANSAS CITY SOUTHERN COM NEW 485170302 367 1,355 SH   SOLE   1,355 0 0
LILLY ELI & CO COM 532457108 329 1,426 SH   SOLE   1,426 0 0
LINCOLN NATL CORP IND COM 534187109 459 6,683 SH   SOLE   6,683 0 0
MASTERCARD INCORPORATED CL A 57636Q104 439 1,263 SH   SOLE   998 0 265
MCDONALDS CORP COM 580135101 403 1,670 SH   SOLE   1,470 0 200
MERCK & CO INC COM 58933Y105 376 5,012 SH   SOLE   5,012 0 0
MICROSOFT CORP COM 594918104 3,834 13,598 SH   SOLE   13,142 0 456
MID-AMER APT CMNTYS INC COM 59522J103 1,329 7,117 SH   SOLE   7,117 0 0
MODERNA INC COM 60770K107 1,051 2,731 SH   SOLE   2,531 0 200
MONDELEZ INTL INC CL A 609207105 298 5,129 SH   SOLE   4,629 0 500
NEXTERA ENERGY INC COM 65339F101 996 12,680 SH   SOLE   12,330 0 350
NIKE INC CL B 654106103 356 2,452 SH   SOLE   2,452 0 0
NVIDIA CORPORATION COM 67066G104 825 3,982 SH   SOLE   2,882 0 1,100
ORACLE CORP COM 68389X105 270 3,104 SH   SOLE   3,104 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 290 474 SH   SOLE   474 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 336 3,855 SH   SOLE   3,855 0 0
PEPSICO INC COM 713448108 1,030 6,850 SH   SOLE   6,850 0 0
PFIZER INC COM 717081103 978 22,743 SH   SOLE   21,043 0 1,700
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,568 15,385 SH   SOLE   15,385 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 792 8,417 SH   SOLE   1,568 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,216 23,003 SH   SOLE   23,003 0 0
PROGRESSIVE CORP COM 743315103 1,403 15,525 SH   SOLE   15,525 0 0
PUBLIC STORAGE COM 74460D109 511 1,720 SH   SOLE   1,720 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 281 3,268 SH   SOLE   1,993 0 1,275
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 260 4,035 SH   SOLE   4,035 0 0
ROYAL BK CDA COM 780087102 383 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,246 2,903 SH   SOLE   2,903 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 278 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,030 41,382 SH   SOLE   36,872 0 4,510
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,716 33,529 SH   SOLE   33,379 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 787 16,289 SH   SOLE   16,289 0 0
SPDR SER TR S&P DIVID ETF 78464A763 320 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409 56 10,460 SH   SOLE   10,460 0 0
TJX COS INC NEW COM 872540109 1,456 22,074 SH   SOLE   22,074 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,628 82,367 SH   SOLE   75,332 0 7,035
TESLA INC COM 88160R101 598 771 SH   SOLE   771 0 0
TEXAS INSTRS INC COM 882508104 279 1,450 SH   SOLE   1,450 0 0
SOUTHERN CO COM 842587107 367 5,916 SH   SOLE   5,521 0 395
TRACTOR SUPPLY CO COM 892356106 829 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 653 11,137 SH   SOLE   6,605 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 675 6,497 SH   SOLE   6,497 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 34,637 466,550 SH   SOLE   438,479 0 28,071
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,330 164,294 SH   SOLE   154,193 0 10,101
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 966 9,281 SH   SOLE   9,281 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,716 262,531 SH   SOLE   244,646 0 17,885
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 24,793 323,421 SH   SOLE   308,533 0 14,887
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,965 29,618 SH   SOLE   25,408 0 4,210
UNION PAC CORP COM 907818108 1,349 6,882 SH   SOLE   6,882 0 0
UNITED PARCEL SERVICE INC CL B 911312106 609 3,344 SH   SOLE   3,344 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 3,154 43,052 SH   SOLE   39,907 0 3,145
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 268 1,747 SH   SOLE   1,504 0 243
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10,585 161,337 SH   SOLE   150,944 0 10,393
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 311 1,259 SH   SOLE   1,259 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 433 1,830 SH   SOLE   1,830 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 415 7,781 SH   SOLE   7,781 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 417 4,096 SH   SOLE   4,096 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 851 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 919 4,092 SH   SOLE   0 0 4,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 254 1,500 SH   SOLE   1,500 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 642 10,151 SH   SOLE   10,151 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,007 4,536 SH   SOLE   4,536 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,162 23,185 SH   SOLE   20,085 0 3,100
VANGUARD INDEX FDS VALUE ETF 922908744 313 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 760 14,064 SH   SOLE   13,964 0 100
VISA INC COM CL A 92826C839 1,393 6,253 SH   SOLE   5,811 0 442
WALGREENS BOOTS ALLIANCE INC COM 931427108 325 6,908 SH   SOLE   6,204 0 704
WALMART INC COM 931142103 2,654 19,045 SH   SOLE   18,845 0 200
DISNEY WALT CO COM 254687106 454 2,682 SH   SOLE   687 0 1,995
WASTE MGMT INC DEL COM 94106L109 213 1,428 SH   SOLE   1,428 0 0
WELLS FARGO CO NEW COM 949746101 557 12,004 SH   SOLE   9,022 0 2,982
WEC ENERGY GROUP INC COM 92939U106 294 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 15,562 360,491 SH   SOLE   341,238 0 19,253