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 630 4,234 SH   SOLE   4,234 0 0
ABBOTT LABS COM 002824100 455 3,846 SH   SOLE   3,846 0 0
ABBVIE INC COM 00287Y109 723 4,459 SH   SOLE   4,459 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 260 5,520 SH   SOLE   5,520 0 0
ALPHABET INC CAP STK CL A 02079K305 565 203 SH   SOLE   203 0 0
ALPHABET INC CAP STK CL C 02079K107 1,304 467 SH   SOLE   467 0 0
AMAZON COM INC COM 023135106 3,403 1,044 SH   SOLE   1,043 0 1
AMERICAN EXPRESS CO COM 025816109 246 1,315 SH   SOLE   1,315 0 0
APPLE INC COM 037833100 8,038 46,033 SH   SOLE   43,501 0 2,532
AT&T INC COM 00206R102 910 38,490 SH   SOLE   37,802 0 688
AUTOMATIC DATA PROCESSING IN COM 053015103 259 1,137 SH   SOLE   1,137 0 0
AUTOZONE INC COM 053332102 3,408 1,667 SH   SOLE   1,667 0 0
BK OF AMERICA CORP COM 060505104 357 8,657 SH   SOLE   7,757 0 900
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,702 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 12,468 35,329 SH   SOLE   33,342 0 1,987
BRISTOL-MYERS SQUIBB CO COM 110122108 577 7,898 SH   SOLE   7,485 0 413
CSX CORP COM 126408103 223 5,942 SH   SOLE   5,942 0 0
CANADIAN PAC RY LTD COM 13645T100 535 6,481 SH   SOLE   6,481 0 0
CARMAX INC COM 143130102 323 3,352 SH   SOLE   3,352 0 0
SCHWAB CHARLES CORP COM 808513105 1,077 12,779 SH   SOLE   12,779 0 0
CHEVRON CORP NEW COM 166764100 738 4,531 SH   SOLE   4,079 0 452
CIGNA CORP NEW COM 125523100 262 1,094 SH   SOLE   1,094 0 0
CISCO SYS INC COM 17275R102 368 6,608 SH   SOLE   6,608 0 0
CME GROUP INC COM 12572Q105 201 845 SH   SOLE   845 0 0
COCA COLA CO COM 191216100 1,348 21,736 SH   SOLE   21,336 0 400
COSTCO WHSL CORP NEW COM 22160K105 627 1,089 SH   SOLE   1,089 0 0
CREDIT ACCEP CORP MICH COM 225310101 266 484 SH   SOLE   484 0 0
CVS HEALTH CORP COM 126650100 526 5,200 SH   SOLE   5,200 0 0
DANAHER CORPORATION COM 235851102 354 1,207 SH   SOLE   1,207 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 635 12,952 SH   SOLE   12,952 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 292 5,217 SH   SOLE   5,217 0 0
DOMINION ENERGY INC COM 25746U109 525 6,182 SH   SOLE   6,182 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 13,946 40,210 SH   SOLE   38,265 0 1,945
DUKE ENERGY CORP NEW COM NEW 26441C204 343 3,074 SH   SOLE   2,913 0 161
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 435 15,678 SH   SOLE   15,678 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 671 20,485 SH   SOLE   20,485 0 0
EMERSON ELEC CO COM 291011104 409 4,167 SH   SOLE   3,717 0 450
ENBRIDGE INC COM 29250N105 248 5,375 SH   SOLE   5,375 0 0
ENTERGY CORP NEW COM 29364G103 204 1,750 SH   SOLE   1,750 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 256 9,912 SH   SOLE   9,912 0 0
EXPEDITORS INTL WASH INC COM 302130109 1,027 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 2,146 25,990 SH   SOLE   23,200 0 2,790
META PLATFORMS INC CL A 30303M102 276 1,243 SH   SOLE   1,243 0 0
FASTENAL CO COM 311900104 516 8,688 SH   SOLE   8,688 0 0
FEDEX CORP COM 31428X106 1,872 8,090 SH   SOLE   7,805 0 285
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 414 10,803 SH   SOLE   10,803 0 0
FIRST HORIZON CORPORATION COM 320517105 286 12,186 SH   SOLE   10,663 0 1,523
GENERAC HLDGS INC COM 368736104 268 900 SH   SOLE   900 0 0
GENERAL DYNAMICS CORP COM 369550108 376 1,557 SH   SOLE   1,557 0 0
GLOBE LIFE INC COM 37959E102 686 6,816 SH   SOLE   6,816 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 233 1,700 SH   SOLE   1,700 0 0
HOME DEPOT INC COM 437076102 979 3,272 SH   SOLE   2,878 0 394
HONEYWELL INTL INC COM 438516106 261 1,339 SH   SOLE   1,114 0 225
INTERNATIONAL BUSINESS MACHS COM 459200101 832 6,401 SH   SOLE   6,401 0 0
IDEXX LABS INC COM 45168D104 4,318 7,894 SH   SOLE   7,894 0 0
INTEL CORP COM 458140100 326 6,576 SH   SOLE   6,576 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,737 537,491 SH   SOLE   513,719 0 23,772
INVESCO QQQ TR UNIT SER 1 46090E103 1,173 3,236 SH   SOLE   3,236 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 475 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 450 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 370 7,644 SH   SOLE   7,644 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,464 3,226 SH   SOLE   3,226 0 0
ISHARES TR HDG MSCI EAFE 46434V803 731 21,531 SH   SOLE   21,531 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,635 52,153 SH   SOLE   52,153 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,141 10,653 SH   SOLE   232 0 10,421
ISHARES TR TIPS BD ETF 464287176 237 1,900 SH   SOLE   1,900 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 704 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109 349 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 876 13,014 SH   SOLE   13,014 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 4,395 68,369 SH   SOLE   67,703 0 666
ISHARES TR MRGSTR MD CP VAL 464288406 308 4,476 SH   SOLE   4,476 0 0
ISHARES TR MBS ETF 464288588 332 3,262 SH   SOLE   3,262 0 0
ISHARES TR MSCI EAFE ETF 464287465 842 11,435 SH   SOLE   11,435 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 12,181 353,888 SH   SOLE   335,897 0 17,991
ISHARES TR RUS 1000 ETF 464287622 300 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 362 4,736 SH   SOLE   4,736 0 0
ISHARES TR S&P 500 VAL ETF 464287408 927 5,954 SH   SOLE   5,954 0 0
ISHARES TR NATIONAL MUN ETF 464288414 863 7,875 SH   SOLE   7,875 0 0
ISHARES TR PFD AND INCM SEC 464288687 229 6,297 SH   SOLE   6,297 0 0
ISHARES TR CORE S&P SCP ETF 464287804 15,758 146,071 SH   SOLE   139,165 0 6,906
ISHARES TR BLACKROCK ULTRA 46434V878 394 7,850 SH   SOLE   7,850 0 0
JD.COM INC SPON ADR CL A 47215P106 418 7,229 SH   SOLE   7,229 0 0
JOHNSON & JOHNSON COM 478160104 2,628 14,830 SH   SOLE   14,630 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 225 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 701 5,140 SH   SOLE   5,140 0 0
LILLY ELI & CO COM 532457108 413 1,443 SH   SOLE   1,443 0 0
LINCOLN NATL CORP IND COM 534187109 306 4,683 SH   SOLE   4,683 0 0
MASTERCARD INCORPORATED CL A 57636Q104 480 1,343 SH   SOLE   1,343 0 0
MCDONALDS CORP COM 580135101 455 1,839 SH   SOLE   1,639 0 200
MERCK & CO INC COM 58933Y105 443 5,403 SH   SOLE   5,403 0 0
MICROSOFT CORP COM 594918104 4,407 14,294 SH   SOLE   14,114 0 180
MID-AMER APT CMNTYS INC COM 59522J103 1,530 7,305 SH   SOLE   7,305 0 0
MODERNA INC COM 60770K107 356 2,068 SH   SOLE   2,068 0 0
MONDELEZ INTL INC CL A 609207105 318 5,069 SH   SOLE   4,569 0 500
NEXTERA ENERGY INC COM 65339F101 1,072 12,660 SH   SOLE   12,310 0 350
NIKE INC CL B 654106103 343 2,552 SH   SOLE   2,552 0 0
NVIDIA CORPORATION COM 67066G104 1,235 4,527 SH   SOLE   4,317 0 210
ORACLE CORP COM 68389X105 274 3,308 SH   SOLE   3,308 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 340 496 SH   SOLE   496 0 0
PEPSICO INC COM 713448108 1,155 6,901 SH   SOLE   6,901 0 0
PFIZER INC COM 717081103 1,305 25,213 SH   SOLE   25,213 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,665 16,623 SH   SOLE   16,623 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 775 8,417 SH   SOLE   1,568 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,498 22,896 SH   SOLE   22,896 0 0
PROGRESSIVE CORP COM 743315103 1,831 16,066 SH   SOLE   16,066 0 0
PUBLIC STORAGE COM 74460D109 671 1,720 SH   SOLE   1,720 0 0
QUALCOMM INC COM 747525103 241 1,576 SH   SOLE   1,576 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 375 3,783 SH   SOLE   3,783 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 280 4,800 SH   SOLE   4,800 0 0
ROYAL BK CDA COM 780087102 424 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,310 2,900 SH   SOLE   2,900 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 283 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,489 57,965 SH   SOLE   53,255 0 4,710
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,443 29,129 SH   SOLE   28,979 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,068 23,859 SH   SOLE   23,859 0 0
SPDR SER TR S&P DIVID ETF 78464A763 349 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409 43 11,460 SH   SOLE   11,460 0 0
TJX COS INC NEW COM 872540109 1,341 22,140 SH   SOLE   22,140 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,538 86,475 SH   SOLE   79,440 0 7,035
TESLA INC COM 88160R101 728 676 SH   SOLE   676 0 0
TEXAS INSTRS INC COM 882508104 265 1,442 SH   SOLE   1,442 0 0
SOUTHERN CO COM 842587107 435 6,002 SH   SOLE   5,607 0 395
TRACTOR SUPPLY CO COM 892356106 954 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 600 10,579 SH   SOLE   6,047 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 694 12,993 SH   SOLE   12,993 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 38,708 490,660 SH   SOLE   470,583 0 20,077
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,840 331,996 SH   SOLE   317,828 0 14,168
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 821 15,244 SH   SOLE   15,244 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,585 274,332 SH   SOLE   260,253 0 14,079
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 25,832 340,521 SH   SOLE   325,813 0 14,708
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,811 59,344 SH   SOLE   57,632 0 1,712
UNION PAC CORP COM 907818108 1,935 7,082 SH   SOLE   7,082 0 0
UNITED PARCEL SERVICE INC CL B 911312106 717 3,344 SH   SOLE   3,344 0 0
UNITEDHEALTH GROUP INC COM 91324P102 233 456 SH   SOLE   456 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 4,618 61,818 SH   SOLE   57,988 0 3,830
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 283 1,747 SH   SOLE   1,504 0 243
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 11,088 178,030 SH   SOLE   169,213 0 8,817
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 326 1,282 SH   SOLE   1,282 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 435 1,830 SH   SOLE   1,830 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 449 4,141 SH   SOLE   4,141 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 880 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 883 4,092 SH   SOLE   0 0 4,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 264 1,500 SH   SOLE   1,500 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 235 4,560 SH   SOLE   4,560 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 597 9,992 SH   SOLE   9,992 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,048 4,605 SH   SOLE   4,605 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,901 38,485 SH   SOLE   35,435 0 3,050
VANGUARD INDEX FDS VALUE ETF 922908744 424 2,869 SH   SOLE   1,530 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 821 16,116 SH   SOLE   16,016 0 100
VIRTUS ETF TR II SEIX SR LN ETF 92790A405 519 21,024 SH   SOLE   21,024 0 0
VISA INC COM CL A 92826C839 1,360 6,131 SH   SOLE   6,131 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 318 7,111 SH   SOLE   6,407 0 704
WALMART INC COM 931142103 2,830 19,007 SH   SOLE   18,807 0 200
DISNEY WALT CO COM 254687106 454 3,312 SH   SOLE   1,897 0 1,415
WASTE MGMT INC DEL COM 94106L109 214 1,352 SH   SOLE   1,352 0 0
WELLS FARGO CO NEW COM 949746101 574 11,850 SH   SOLE   11,850 0 0
WEC ENERGY GROUP INC COM 92939U106 336 3,365 SH   SOLE   3,365 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 16,173 376,639 SH   SOLE   360,235 0 16,404