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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   504,384 4,206 SH   SOLE   4,206 0 0
ABBOTT LABS COM 002824100   409,439 3,729 SH   SOLE   3,729 0 0
ABBVIE INC COM 00287Y109   699,271 4,327 SH   SOLE   4,327 0 0
ALPHABET INC CAP STK CL A 02079K305   248,809 2,820 SH   SOLE   2,820 0 0
ALPHABET INC CAP STK CL C 02079K107   791,827 8,924 SH   SOLE   8,924 0 0
AMAZON COM INC COM 023135106   1,481,676 17,639 SH   SOLE   17,639 0 0
APPLE INC COM 037833100   5,794,708 44,599 SH   SOLE   41,946 0 2,652
AT&T INC COM 00206R102   806,599 43,813 SH   SOLE   40,125 0 3,688
AUTOMATIC DATA PROCESSING IN COM 053015103   271,584 1,137 SH   SOLE   1,137 0 0
AUTOZONE INC COM 053332102   4,111,122 1,667 SH   SOLE   1,667 0 0
BANK AMERICA CORP COM 060505104   405,681 12,249 SH   SOLE   9,649 0 2,600
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,280,977 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,911,275 35,323 SH   SOLE   33,060 0 2,263
BRISTOL-MYERS SQUIBB CO COM 110122108   579,168 8,050 SH   SOLE   7,637 0 413
CANADIAN PAC RY LTD COM 13645T100   425,611 5,706 SH   SOLE   5,706 0 0
CARMAX INC COM 143130102   204,103 3,352 SH   SOLE   3,352 0 0
SCHWAB CHARLES CORP COM 808513105   990,711 11,899 SH   SOLE   11,899 0 0
CHEVRON CORP NEW COM 166764100   745,303 4,152 SH   SOLE   3,700 0 452
CIGNA CORP NEW COM 125523100   229,950 694 SH   SOLE   694 0 0
CISCO SYS INC COM 17275R102   301,351 6,326 SH   SOLE   6,326 0 0
COCA COLA CO COM 191216100   1,373,236 21,588 SH   SOLE   21,188 0 400
COSTCO WHSL CORP NEW COM 22160K105   519,497 1,138 SH   SOLE   1,138 0 0
CREDIT ACCEP CORP MICH COM 225310101   229,610 484 SH   SOLE   484 0 0
CROWN HLDGS INC COM 228368106   369,452 4,494 SH   SOLE   4,494 0 0
CVS HEALTH CORP COM 126650100   484,588 5,200 SH   SOLE   5,200 0 0
DANAHER CORPORATION COM 235851102   315,604 1,189 SH   SOLE   1,189 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   596,895 14,345 SH   SOLE   14,345 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   266,850 5,217 SH   SOLE   5,217 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   288,399 8,614 SH   SOLE   8,614 0 0
DOMINION ENERGY INC COM 25746U109   406,674 6,632 SH   SOLE   6,182 0 450
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,544,476 16,734 SH   SOLE   16,207 0 527
DUKE ENERGY CORP NEW COM NEW 26441C204   311,236 3,022 SH   SOLE   2,861 0 161
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   247,710 8,332 SH   SOLE   8,332 0 0
EMERSON ELEC CO COM 291011104   547,638 5,701 SH   SOLE   4,451 0 1,250
ENBRIDGE INC COM 29250N105   206,409 5,279 SH   SOLE   5,279 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   239,077 9,912 SH   SOLE   9,912 0 0
EXPEDITORS INTL WASH INC COM 302130109   1,035,043 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102   2,721,805 24,676 SH   SOLE   22,586 0 2,090
FASTENAL CO COM 311900104   411,116 8,688 SH   SOLE   8,688 0 0
FEDEX CORP COM 31428X106   1,287,737 7,435 SH   SOLE   7,360 0 75
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   366,029 10,703 SH   SOLE   10,703 0 0
FIRST HORIZON CORPORATION COM 320517105   230,019 9,389 SH   SOLE   7,866 0 1,523
GENERAL DYNAMICS CORP COM 369550108   383,826 1,547 SH   SOLE   1,547 0 0
GLOBE LIFE INC COM 37959E102   833,043 6,910 SH   SOLE   6,910 0 0
HOME DEPOT INC COM 437076102   1,102,717 3,491 SH   SOLE   2,974 0 517
HONEYWELL INTL INC COM 438516106   421,742 1,968 SH   SOLE   1,358 0 610
INTERNATIONAL BUSINESS MACHS COM 459200101   858,564 6,094 SH   SOLE   6,094 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   12,262,272 489,903 SH   SOLE   468,995 0 20,908
ISHARES TR IBONDS DEC24 ETF 46434VBG4   12,156,007 497,789 SH   SOLE   476,594 0 21,195
ISHARES TR IBONDS DEC25 ETF 46434VBD1   12,152,947 499,710 SH   SOLE   478,486 0 21,224
ISHARES TR IBONDS DEC2026 46435GAA0   423,336 18,130 SH   SOLE   18,130 0 0
IDEXX LABS INC COM 45168D104   3,216,765 7,885 SH   SOLE   7,885 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   20,206,234 627,328 SH   SOLE   603,655 0 23,673
INVESCO QQQ TR UNIT SER 1 46090E103   1,031,302 3,873 SH   SOLE   3,873 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   368,157 1,334 SH   SOLE   1,269 0 65
ISHARES TR CORE S&P MCP ETF 464287507   555,379 2,296 SH   SOLE   2,296 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,209,182 3,147 SH   SOLE   3,119 0 28
ISHARES TR HDG MSCI EAFE 46434V803   501,039 18,557 SH   SOLE   18,557 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   335,500 6,666 SH   SOLE   6,666 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,749,991 18,043 SH   SOLE   6,008 0 12,035
ISHARES TR MORNINGSTAR GRWT 464287119   527,204 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109   321,841 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   669,249 11,407 SH   SOLE   11,407 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   3,511,144 65,166 SH   SOLE   63,246 0 1,920
ISHARES TR MRGSTR MD CP VAL 464288406   277,736 4,476 SH   SOLE   4,476 0 0
ISHARES TR MSCI EAFE ETF 464287465   906,620 13,812 SH   SOLE   13,812 0 0
DBX ETF TR XTRACK MSCI EURP 233051853   2,375,785 71,110 SH   SOLE   68,198 0 2,912
ISHARES TR RUS 1000 ETF 464287622   252,624 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   317,889 5,434 SH   SOLE   5,434 0 0
ISHARES TR S&P 500 VAL ETF 464287408   775,848 5,348 SH   SOLE   5,348 0 0
ISHARES TR NATIONAL MUN ETF 464288414   290,180 2,750 SH   SOLE   2,750 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   423,235 17,135 SH   SOLE   17,135 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   420,833 17,645 SH   SOLE   17,645 0 0
ISHARES TR CORE S&P SCP ETF 464287804   13,977,044 147,686 SH   SOLE   141,001 0 6,685
JD.COM INC SPON ADR CL A 47215P106   332,795 5,929 SH   SOLE   5,929 0 0
JOHNSON & JOHNSON COM 478160104   2,620,840 14,836 SH   SOLE   14,636 0 200
JOHNSON CTLS INTL PLC SHS G51502105   414,080 6,470 SH   SOLE   4,320 0 2,150
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   224,582 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100   748,949 5,585 SH   SOLE   5,585 0 0
LILLY ELI & CO COM 532457108   534,492 1,461 SH   SOLE   1,461 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   202,346 4,030 SH   SOLE   4,030 0 0
MASTERCARD INCORPORATED CL A 57636Q104   370,332 1,065 SH   SOLE   1,065 0 0
MCDONALDS CORP COM 580135101   401,251 1,523 SH   SOLE   1,523 0 0
MERCK & CO INC COM 58933Y105   595,815 5,370 SH   SOLE   5,370 0 0
MICROSOFT CORP COM 594918104   3,527,147 14,707 SH   SOLE   14,352 0 355
MID-AMER APT CMNTYS INC COM 59522J103   1,122,998 7,153 SH   SOLE   7,153 0 0
MODERNA INC COM 60770K107   371,813 2,070 SH   SOLE   2,070 0 0
MONDELEZ INTL INC CL A 609207105   343,847 5,159 SH   SOLE   4,659 0 500
NEXTERA ENERGY INC COM 65339F101   1,067,906 12,774 SH   SOLE   12,424 0 350
NIKE INC CL B 654106103   293,695 2,510 SH   SOLE   2,510 0 0
NVIDIA CORPORATION COM 67066G104   940,621 6,436 SH   SOLE   5,836 0 600
ORACLE CORP COM 68389X105   265,001 3,242 SH   SOLE   3,242 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   418,639 496 SH   SOLE   496 0 0
PEPSICO INC COM 713448108   1,236,467 6,844 SH   SOLE   6,844 0 0
PFIZER INC COM 717081103   1,135,784 22,166 SH   SOLE   22,166 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   611,827 6,202 SH   SOLE   6,202 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104   617,887 8,418 SH   SOLE   1,569 0 6,849
PROCTER AND GAMBLE CO COM 742718109   3,457,212 22,811 SH   SOLE   22,811 0 0
PROGRESSIVE CORP COM 743315103   2,046,175 15,775 SH   SOLE   15,775 0 0
PUBLIC STORAGE COM 74460D109   481,927 1,720 SH   SOLE   1,720 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   397,928 3,943 SH   SOLE   3,943 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   210,338 4,540 SH   SOLE   4,540 0 0
ROCKWELL AUTOMATION INC COM 773903109   264,524 1,027 SH   SOLE   1,027 0 0
ROYAL BK CDA SUSTAINABL COM 780087102   361,507 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,125,491 2,943 SH   SOLE   2,943 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   255,933 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   14,055,860 626,934 SH   SOLE   601,322 0 25,612
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   701,361 14,539 SH   SOLE   14,389 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   2,197,716 54,888 SH   SOLE   53,957 0 931
SPDR SER TR S&P DIVID ETF 78464A763   436,759 3,491 SH   SOLE   3,491 0 0
STEREOTAXIS INC COM NEW 85916J409   34,279 16,560 SH   SOLE   16,560 0 0
TJX COS INC NEW COM 872540109   1,759,478 22,104 SH   SOLE   22,104 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   1,500,600 72,774 SH   SOLE   70,319 0 2,455
TEXAS INSTRS INC COM 882508104   225,360 1,364 SH   SOLE   1,364 0 0
SOUTHERN CO COM 842587107   503,242 7,047 SH   SOLE   6,652 0 395
TRACTOR SUPPLY CO COM 892356106   920,127 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109   410,384 9,537 SH   SOLE   5,005 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   598,829 13,364 SH   SOLE   13,364 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   40,761,843 539,606 SH   SOLE   517,988 0 21,618
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   18,181,450 327,240 SH   SOLE   313,170 0 14,070
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   633,184 14,024 SH   SOLE   14,024 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   16,677,528 252,613 SH   SOLE   239,875 0 12,738
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   22,566,644 343,951 SH   SOLE   330,283 0 13,668
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,152,081 28,439 SH   SOLE   28,261 0 178
UNION PAC CORP COM 907818108   1,449,340 6,999 SH   SOLE   6,999 0 0
UNITED PARCEL SERVICE INC CL B 911312106   622,229 3,579 SH   SOLE   3,579 0 0
UNITEDHEALTH GROUP INC COM 91324P102   225,857 426 SH   SOLE   426 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   16,617,804 256,013 SH   SOLE   243,460 0 12,553
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   259,978 1,712 SH   SOLE   1,504 0 208
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   5,273,120 95,114 SH   SOLE   88,704 0 6,410
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   319,846 1,289 SH   SOLE   1,289 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   252,928 1,241 SH   SOLE   1,241 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   638,937 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   703,249 3,773 SH   SOLE   0 0 3,773
VANGUARD INDEX FDS SM CP VAL ETF 922908611   238,200 1,500 SH   SOLE   1,500 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   274,917 5,555 SH   SOLE   5,555 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   439,573 8,499 SH   SOLE   8,499 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   889,798 4,654 SH   SOLE   4,654 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   878,570 17,930 SH   SOLE   17,205 0 725
VANGUARD INDEX FDS VALUE ETF 922908744   411,003 2,928 SH   SOLE   1,589 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104   724,404 18,386 SH   SOLE   17,086 0 1,300
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   542,095 23,336 SH   SOLE   23,336 0 0
VISA INC COM CL A 92826C839   1,166,281 5,614 SH   SOLE   5,614 0 0
WABTEC COM 929740108   232,164 2,326 SH   SOLE   2,326 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   248,007 6,638 SH   SOLE   5,934 0 704
WALMART INC COM 931142103   2,513,211 17,725 SH   SOLE   17,525 0 200
DISNEY WALT CO COM 254687106   344,061 3,960 SH   SOLE   2,080 0 1,880
WASTE MGMT INC DEL COM 94106L109   212,141 1,352 SH   SOLE   1,352 0 0
WELLS FARGO CO NEW COM 949746101   343,533 8,320 SH   SOLE   8,320 0 0
WEC ENERGY GROUP INC COM 92939U106   312,690 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   13,110,827 367,972 SH   SOLE   354,747 0 13,225