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   442,093 4,206 SH   SOLE   4,206 0 0
ABBOTT LABS COM 002824100   375,907 3,712 SH   SOLE   3,712 0 0
ABBVIE INC COM 00287Y109   705,778 4,429 SH   SOLE   4,429 0 0
ALPHABET INC CAP STK CL A 02079K305   294,593 2,840 SH   SOLE   2,840 0 0
ALPHABET INC CAP STK CL C 02079K107   928,096 8,924 SH   SOLE   8,924 0 0
AMAZON COM INC COM 023135106   1,848,065 17,892 SH   SOLE   17,892 0 0
AMERICAN EXPRESS CO COM 025816109   216,909 1,315 SH   SOLE   1,315 0 0
APPLE INC COM 037833100   7,343,925 44,536 SH   SOLE   41,883 0 2,652
AT&T INC COM 00206R102   899,478 46,726 SH   SOLE   46,038 0 688
AUTOMATIC DATA PROCESSING IN COM 053015103   253,130 1,137 SH   SOLE   1,137 0 0
AUTOZONE INC COM 053332102   4,097,736 1,667 SH   SOLE   1,667 0 0
BANK AMERICA CORP COM 060505104   424,692 14,849 SH   SOLE   11,249 0 3,600
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,259,200 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,908,227 35,328 SH   SOLE   32,940 0 2,388
BRISTOL-MYERS SQUIBB CO COM 110122108   558,000 8,051 SH   SOLE   7,638 0 413
CANADIAN PAC RY LTD COM 13645T100   454,408 5,906 SH   SOLE   5,906 0 0
CARMAX INC COM 143130102   211,160 3,285 SH   SOLE   3,285 0 0
SCHWAB CHARLES CORP COM 808513105   671,197 12,814 SH   SOLE   12,814 0 0
CHEVRON CORP NEW COM 166764100   677,496 4,152 SH   SOLE   3,700 0 452
CISCO SYS INC COM 17275R102   349,956 6,695 SH   SOLE   6,695 0 0
CNH INDL N V SHS N20944109   160,335 10,500 SH   SOLE   10,500 0 0
COCA COLA CO COM 191216100   1,339,127 21,588 SH   SOLE   21,188 0 400
COSTCO WHSL CORP NEW COM 22160K105   580,344 1,168 SH   SOLE   1,168 0 0
CREDIT ACCEP CORP MICH COM 225310101   211,043 484 SH   SOLE   484 0 0
CROWN HLDGS INC COM 228368106   371,699 4,494 SH   SOLE   4,494 0 0
CVS HEALTH CORP COM 126650100   386,412 5,200 SH   SOLE   5,200 0 0
DANAHER CORPORATION COM 235851102   299,704 1,189 SH   SOLE   1,189 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   637,348 14,345 SH   SOLE   14,345 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   274,936 5,217 SH   SOLE   5,217 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   289,712 8,653 SH   SOLE   8,653 0 0
DOMINION ENERGY INC COM 25746U109   345,300 6,176 SH   SOLE   6,176 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,372,146 16,151 SH   SOLE   15,624 0 527
DUKE ENERGY CORP NEW COM NEW 26441C204   287,288 2,978 SH   SOLE   2,817 0 161
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   257,907 8,037 SH   SOLE   8,037 0 0
EMERSON ELEC CO COM 291011104   562,140 6,451 SH   SOLE   5,051 0 1,400
ENBRIDGE INC COM 29250N105   210,893 5,528 SH   SOLE   5,528 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   249,106 9,618 SH   SOLE   9,618 0 0
EXPEDITORS INTL WASH INC COM 302130109   1,096,795 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102   2,706,166 24,678 SH   SOLE   22,588 0 2,090
FASTENAL CO COM 311900104   468,631 8,688 SH   SOLE   8,688 0 0
FEDEX CORP COM 31428X106   1,716,872 7,514 SH   SOLE   7,439 0 75
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   246,674 7,673 SH   SOLE   7,673 0 0
FIRST HORIZON CORPORATION COM 320517105   206,533 11,616 SH   SOLE   10,093 0 1,523
GENERAL DYNAMICS CORP COM 369550108   353,041 1,547 SH   SOLE   1,547 0 0
GLOBE LIFE INC COM 37959E102   688,416 6,257 SH   SOLE   6,257 0 0
HOME DEPOT INC COM 437076102   1,028,198 3,484 SH   SOLE   3,034 0 450
HONEYWELL INTL INC COM 438516106   407,086 2,130 SH   SOLE   1,445 0 685
INTERNATIONAL BUSINESS MACHS COM 459200101   798,844 6,094 SH   SOLE   6,094 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   12,828,159 509,256 SH   SOLE   488,348 0 20,908
ISHARES TR IBONDS DEC24 ETF 46434VBG4   12,745,046 518,302 SH   SOLE   497,107 0 21,195
ISHARES TR IBONDS DEC25 ETF 46434VBD1   12,762,174 520,268 SH   SOLE   499,044 0 21,224
ISHARES TR IBONDS DEC2026 46435GAA0   526,331 22,180 SH   SOLE   22,180 0 0
IDEXX LABS INC COM 45168D104   3,943,131 7,885 SH   SOLE   7,885 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   22,215,867 638,387 SH   SOLE   614,225 0 24,162
INVESCO QQQ TR UNIT SER 1 46090E103   1,242,962 3,873 SH   SOLE   3,873 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   414,234 1,334 SH   SOLE   1,269 0 65
ISHARES TR CORE S&P MCP ETF 464287507   538,845 2,154 SH   SOLE   2,154 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,380,500 3,358 SH   SOLE   3,330 0 28
ISHARES TR HDG MSCI EAFE 46434V803   523,564 17,766 SH   SOLE   17,766 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   335,900 6,666 SH   SOLE   6,666 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,762,233 17,686 SH   SOLE   5,651 0 12,035
ISHARES TR MORNINGSTAR GRWT 464287119   599,536 10,830 SH   SOLE   10,830 0 0
ISHARES TR MORNINGSTAR VALU 464288109   325,251 5,090 SH   SOLE   5,090 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   643,148 10,606 SH   SOLE   10,606 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   3,690,172 64,110 SH   SOLE   62,190 0 1,920
ISHARES TR MRGSTR MD CP VAL 464288406   276,975 4,476 SH   SOLE   4,476 0 0
ISHARES TR MSCI EAFE ETF 464287465   987,834 13,812 SH   SOLE   13,812 0 0
DBX ETF TR XTRACK MSCI EURP 233051853   2,140,732 58,458 SH   SOLE   55,546 0 2,912
ISHARES TR RUS 1000 ETF 464287622   270,276 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   347,178 5,434 SH   SOLE   5,434 0 0
ISHARES TR S&P 500 VAL ETF 464287408   802,557 5,288 SH   SOLE   5,288 0 0
ISHARES TR NATIONAL MUN ETF 464288414   296,285 2,750 SH   SOLE   2,750 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   394,975 15,920 SH   SOLE   15,920 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874   423,656 17,645 SH   SOLE   17,645 0 0
ISHARES TR CORE S&P SCP ETF 464287804   14,262,575 147,493 SH   SOLE   140,778 0 6,715
JD.COM INC SPON ADR CL A 47215P106   243,107 5,539 SH   SOLE   5,539 0 0
JOHNSON & JOHNSON COM 478160104   2,284,239 14,737 SH   SOLE   14,537 0 200
JOHNSON CTLS INTL PLC SHS G51502105   421,239 6,995 SH   SOLE   4,620 0 2,375
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   225,434 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100   792,936 6,085 SH   SOLE   6,085 0 0
LILLY ELI & CO COM 532457108   501,737 1,461 SH   SOLE   1,461 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   218,668 4,030 SH   SOLE   4,030 0 0
MASTERCARD INCORPORATED CL A 57636Q104   387,032 1,065 SH   SOLE   1,065 0 0
MCDONALDS CORP COM 580135101   411,937 1,473 SH   SOLE   1,473 0 0
MERCK & CO INC COM 58933Y105   603,634 5,674 SH   SOLE   5,674 0 0
MICROSOFT CORP COM 594918104   4,259,936 14,776 SH   SOLE   14,421 0 355
MID-AMER APT CMNTYS INC COM 59522J103   1,114,875 7,381 SH   SOLE   7,381 0 0
MODERNA INC COM 60770K107   317,911 2,070 SH   SOLE   2,070 0 0
MONDELEZ INTL INC CL A 609207105   358,431 5,141 SH   SOLE   4,641 0 500
NEXTERA ENERGY INC COM 65339F101   984,979 12,779 SH   SOLE   12,429 0 350
NIKE INC CL B 654106103   307,826 2,510 SH   SOLE   2,510 0 0
NVIDIA CORPORATION COM 67066G104   1,829,515 6,586 SH   SOLE   5,986 0 600
ORACLE CORP COM 68389X105   297,716 3,204 SH   SOLE   3,204 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   421,094 496 SH   SOLE   496 0 0
PEPSICO INC COM 713448108   1,280,505 7,024 SH   SOLE   7,024 0 0
PFIZER INC COM 717081103   910,127 22,307 SH   SOLE   22,307 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   585,774 5,902 SH   SOLE   5,902 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104   464,358 8,418 SH   SOLE   1,569 0 6,849
PROCTER AND GAMBLE CO COM 742718109   3,420,339 23,003 SH   SOLE   23,003 0 0
PROGRESSIVE CORP COM 743315103   2,256,772 15,775 SH   SOLE   15,775 0 0
PUBLIC STORAGE COM 74460D109   519,681 1,720 SH   SOLE   1,720 0 0
QUALCOMM INC COM 747525103   229,261 1,797 SH   SOLE   1,797 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   382,221 3,903 SH   SOLE   3,903 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   248,429 4,540 SH   SOLE   4,540 0 0
ROCKWELL AUTOMATION INC COM 773903109   296,385 1,010 SH   SOLE   1,010 0 0
ROYAL BK CDA SUSTAINABL COM 780087102   367,505 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,204,835 2,943 SH   SOLE   2,943 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   264,961 578 SH   SOLE   578 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   16,008,474 677,464 SH   SOLE   650,946 0 26,518
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   709,358 14,539 SH   SOLE   14,389 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,700,735 41,451 SH   SOLE   40,520 0 931
SPDR SER TR S&P DIVID ETF 78464A763   336,862 2,723 SH   SOLE   2,723 0 0
STEREOTAXIS INC COM NEW 85916J409   33,782 16,560 SH   SOLE   16,560 0 0
TJX COS INC NEW COM 872540109   1,732,069 22,104 SH   SOLE   22,104 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   1,745,121 72,774 SH   SOLE   70,319 0 2,455
TEXAS INSTRS INC COM 882508104   248,695 1,337 SH   SOLE   1,337 0 0
SOUTHERN CO COM 842587107   491,574 7,065 SH   SOLE   6,670 0 395
TRACTOR SUPPLY CO COM 892356106   961,314 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109   322,162 9,448 SH   SOLE   4,916 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   646,070 13,502 SH   SOLE   13,502 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   39,570,043 540,870 SH   SOLE   519,002 0 21,868
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   21,613,137 331,642 SH   SOLE   317,394 0 14,248
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   616,234 12,740 SH   SOLE   12,740 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   16,341,933 249,191 SH   SOLE   236,635 0 12,556
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   23,422,300 345,207 SH   SOLE   331,221 0 13,986
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,161,277 27,696 SH   SOLE   27,518 0 178
UNION PAC CORP COM 907818108   1,525,405 7,579 SH   SOLE   7,579 0 0
UNITED PARCEL SERVICE INC CL B 911312106   694,353 3,579 SH   SOLE   3,579 0 0
UNITEDHEALTH GROUP INC COM 91324P102   201,323 426 SH   SOLE   426 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   20,211,405 273,756 SH   SOLE   260,878 0 12,878
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   240,574 1,562 SH   SOLE   1,354 0 208
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   5,038,371 82,664 SH   SOLE   76,283 0 6,381
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   308,033 1,292 SH   SOLE   1,292 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   256,690 1,217 SH   SOLE   1,217 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   698,124 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   714,888 7,546 SH   SOLE   0 0 7,546
VANGUARD INDEX FDS SM CP VAL ETF 922908611   238,140 1,500 SH   SOLE   1,500 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   281,416 5,555 SH   SOLE   5,555 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   485,804 8,799 SH   SOLE   8,799 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   949,881 4,654 SH   SOLE   4,654 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   882,873 17,930 SH   SOLE   17,205 0 725
VANGUARD INDEX FDS VALUE ETF 922908744   404,386 2,928 SH   SOLE   1,589 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104   657,984 16,919 SH   SOLE   16,919 0 0
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   461,194 19,567 SH   SOLE   19,567 0 0
VISA INC COM CL A 92826C839   1,265,701 5,614 SH   SOLE   5,614 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   204,725 5,920 SH   SOLE   5,216 0 704
WALMART INC COM 931142103   2,551,374 17,303 SH   SOLE   17,103 0 200
DISNEY WALT CO COM 254687106   395,932 3,954 SH   SOLE   2,074 0 1,880
WASTE MGMT INC DEL COM 94106L109   219,015 1,342 SH   SOLE   1,342 0 0
WELLS FARGO CO NEW COM 949746101   311,002 8,320 SH   SOLE   8,320 0 0
WEC ENERGY GROUP INC COM 92939U106   316,125 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   14,622,131 370,932 SH   SOLE   357,175 0 13,757