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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   403,963 4,036 SH   SOLE   0 0 4,036
ABBOTT LABS COM 002824100   401,989 3,687 SH   SOLE   0 0 3,687
ABBVIE INC COM 00287Y109   589,855 4,378 SH   SOLE   0 0 4,378
ALPHABET INC CAP STK CL A 02079K305   337,195 2,817 SH   SOLE   0 0 2,817
ALPHABET INC CAP STK CL C 02079K107   1,055,342 8,724 SH   SOLE   0 0 8,724
AMAZON COM INC COM 023135106   2,332,401 17,892 SH   SOLE   0 0 17,892
AMERICAN EXPRESS CO COM 025816109   229,073 1,315 SH   SOLE   0 0 1,315
APPLE INC COM 037833100   8,517,244 43,910 SH   SOLE   0 0 43,910
AT&T INC COM 00206R102   710,239 44,529 SH   SOLE   0 0 44,529
AUTOMATIC DATA PROCESSING IN COM 053015103   249,901 1,137 SH   SOLE   0 0 1,137
AUTOZONE INC COM 053332102   4,156,431 1,667 SH   SOLE   0 0 1,667
BANK AMERICA CORP COM 060505104   461,363 16,081 SH   SOLE   0 0 16,081
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,624,670 700 SH   SOLE   0 0 700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   11,852,137 34,757 SH   SOLE   0 0 34,757
BRISTOL-MYERS SQUIBB CO COM 110122108   505,077 7,898 SH   SOLE   0 0 7,898
CSX CORP COM 126408103   213,605 6,264 SH   SOLE   0 0 6,264
CANADIAN NATL RY CO COM 136375102   213,083 1,760 SH   SOLE   0 0 1,760
CANADIAN PACIFIC KANSAS CITY COM 13646K108   477,028 5,906 SH   SOLE   0 0 5,906
CARMAX INC COM 143130102   274,955 3,285 SH   SOLE   0 0 3,285
SCHWAB CHARLES CORP COM 808513105   751,804 13,264 SH   SOLE   0 0 13,264
CHEVRON CORP NEW COM 166764100   625,205 3,973 SH   SOLE   0 0 3,973
CISCO SYS INC COM 17275R102   315,330 6,095 SH   SOLE   0 0 6,095
CNH INDL N V SHS N20944109   151,200 10,500 SH   SOLE   0 0 10,500
COCA COLA CO COM 191216100   1,301,450 21,612 SH   SOLE   0 0 21,612
COSTCO WHSL CORP NEW COM 22160K105   628,828 1,168 SH   SOLE   0 0 1,168
CREDIT ACCEP CORP MICH COM 225310101   245,838 484 SH   SOLE   0 0 484
CROWN HLDGS INC COM 228368106   390,394 4,494 SH   SOLE   0 0 4,494
CVS HEALTH CORP COM 126650100   359,476 5,200 SH   SOLE   0 0 5,200
DANAHER CORPORATION COM 235851102   275,760 1,149 SH   SOLE   0 0 1,149
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   690,855 14,345 SH   SOLE   0 0 14,345
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   285,892 5,217 SH   SOLE   0 0 5,217
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   300,048 8,697 SH   SOLE   0 0 8,697
DOMINION ENERGY INC COM 25746U109   319,855 6,176 SH   SOLE   0 0 6,176
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,501,256 15,999 SH   SOLE   0 0 15,999
DUKE ENERGY CORP NEW COM NEW 26441C204   250,105 2,787 SH   SOLE   0 0 2,787
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   230,975 7,867 SH   SOLE   0 0 7,867
EMERSON ELEC CO COM 291011104   525,708 5,816 SH   SOLE   0 0 5,816
ENBRIDGE INC COM 29250N105   205,365 5,528 SH   SOLE   0 0 5,528
ENTERPRISE PRODS PARTNERS L COM 293792107   253,434 9,618 SH   SOLE   0 0 9,618
EXPEDITORS INTL WASH INC COM 302130109   1,206,455 9,960 SH   SOLE   0 0 9,960
EXXON MOBIL CORP COM 30231G102   2,646,844 24,679 SH   SOLE   0 0 24,679
FASTENAL CO COM 311900104   512,505 8,688 SH   SOLE   0 0 8,688
FEDEX CORP COM 31428X106   1,864,159 7,520 SH   SOLE   0 0 7,520
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   258,643 7,673 SH   SOLE   0 0 7,673
FIRST HORIZON CORPORATION COM 320517105   134,411 11,926 SH   SOLE   0 0 11,926
GENERAL DYNAMICS CORP COM 369550108   332,837 1,547 SH   SOLE   0 0 1,547
GLOBE LIFE INC COM 37959E102   686,155 6,259 SH   SOLE   0 0 6,259
HOME DEPOT INC COM 437076102   1,080,095 3,477 SH   SOLE   0 0 3,477
HONEYWELL INTL INC COM 438516106   441,975 2,130 SH   SOLE   0 0 2,130
INTERNATIONAL BUSINESS MACHS COM 459200101   815,419 6,094 SH   SOLE   0 0 6,094
ISHARES TR IBONDS DEC23 ETF 46434VAX8   13,153,228 520,096 SH   SOLE   0 0 520,096
ISHARES TR IBONDS DEC24 ETF 46434VBG4   13,066,450 530,725 SH   SOLE   0 0 530,725
ISHARES TR IBONDS DEC25 ETF 46434VBD1   12,946,390 531,025 SH   SOLE   0 0 531,025
ISHARES TR IBONDS DEC2026 46435GAA0   529,953 22,580 SH   SOLE   0 0 22,580
IDEXX LABS INC COM 45168D104   3,960,084 7,885 SH   SOLE   0 0 7,885
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   22,780,080 638,992 SH   SOLE   0 0 638,992
INVESCO QQQ TR UNIT SER 1 46090E103   1,425,222 3,858 SH   SOLE   0 0 3,858
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   466,540 1,334 SH   SOLE   0 0 1,334
ISHARES TR CORE S&P MCP ETF 464287507   579,440 2,216 SH   SOLE   0 0 2,216
ISHARES TR 7-10 YR TRSY BD 464287440   386,400 4,000 SH   SOLE   0 0 4,000
ISHARES TR CORE S&P500 ETF 464287200   1,758,772 3,946 SH   SOLE   0 0 3,946
ISHARES TR HDG MSCI EAFE 46434V803   550,746 17,766 SH   SOLE   0 0 17,766
ISHARES TR FLTG RATE NT ETF 46429B655   338,766 6,666 SH   SOLE   0 0 6,666
ISHARES TR CORE US AGGBD ET 464287226   1,763,688 18,006 SH   SOLE   0 0 18,006
ISHARES TR MORNINGSTAR GRWT 464287119   566,372 9,085 SH   SOLE   0 0 9,085
ISHARES TR MORNINGSTAR VALU 464288109   338,587 5,090 SH   SOLE   0 0 5,090
ISHARES TR MRGSTR MD CP ETF 464288208   623,723 9,855 SH   SOLE   0 0 9,855
ISHARES TR MRGSTR MD CP GRW 464288307   3,806,556 62,464 SH   SOLE   0 0 62,464
ISHARES TR MRGSTR MD CP VAL 464288406   285,121 4,476 SH   SOLE   0 0 4,476
ISHARES TR MSCI EAFE ETF 464287465   1,001,370 13,812 SH   SOLE   0 0 13,812
DBX ETF TR XTRACK MSCI EURP 233051853   1,971,202 54,393 SH   SOLE   0 0 54,393
ISHARES TR RUS 1000 ETF 464287622   292,488 1,200 SH   SOLE   0 0 1,200
ISHARES TR S&P 500 GRWT ETF 464287309   381,579 5,414 SH   SOLE   0 0 5,414
ISHARES TR S&P 500 VAL ETF 464287408   840,365 5,214 SH   SOLE   0 0 5,214
ISHARES TR NATIONAL MUN ETF 464288414   293,508 2,750 SH   SOLE   0 0 2,750
ISHARES TR IBONDS 23 TRM TS 46436E882   394,975 15,920 SH   SOLE   0 0 15,920
ISHARES TR IBONDS 24 TRM TS 46436E874   462,624 19,438 SH   SOLE   0 0 19,438
ISHARES TR CORE S&P SCP ETF 464287804   14,695,362 147,470 SH   SOLE   0 0 147,470
JOHNSON & JOHNSON COM 478160104   2,468,586 14,914 SH   SOLE   0 0 14,914
JOHNSON CTLS INTL PLC SHS G51502105   476,639 6,995 SH   SOLE   0 0 6,995
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   224,627 4,480 SH   SOLE   0 0 4,480
JPMORGAN CHASE & CO COM 46625H100   851,697 5,856 SH   SOLE   0 0 5,856
LILLY ELI & CO COM 532457108   665,483 1,419 SH   SOLE   0 0 1,419
MASTERCARD INCORPORATED CL A 57636Q104   418,865 1,065 SH   SOLE   0 0 1,065
MCDONALDS CORP COM 580135101   439,814 1,474 SH   SOLE   0 0 1,474
MERCK & CO INC COM 58933Y105   654,774 5,674 SH   SOLE   0 0 5,674
MICROSOFT CORP COM 594918104   5,035,483 14,787 SH   SOLE   0 0 14,787
MID-AMER APT CMNTYS INC COM 59522J103   1,118,390 7,365 SH   SOLE   0 0 7,365
MODERNA INC COM 60770K107   251,505 2,070 SH   SOLE   0 0 2,070
MONDELEZ INTL INC CL A 609207105   368,274 5,049 SH   SOLE   0 0 5,049
NEXTERA ENERGY INC COM 65339F101   951,340 12,821 SH   SOLE   0 0 12,821
NIKE INC CL B 654106103   275,263 2,494 SH   SOLE   0 0 2,494
NVIDIA CORPORATION COM 67066G104   2,422,399 5,726 SH   SOLE   0 0 5,726
ORACLE CORP COM 68389X105   381,564 3,204 SH   SOLE   0 0 3,204
OREILLY AUTOMOTIVE INC COM 67103H107   473,829 496 SH   SOLE   0 0 496
PEPSICO INC COM 713448108   1,308,054 7,062 SH   SOLE   0 0 7,062
PFIZER INC COM 717081103   806,851 21,997 SH   SOLE   0 0 21,997
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   604,845 6,063 SH   SOLE   0 0 6,063
PINNACLE FINL PARTNERS INC COM 72346Q104   476,927 8,419 SH   SOLE   0 0 8,419
PROCTER AND GAMBLE CO COM 742718109   3,470,723 22,873 SH   SOLE   0 0 22,873
PROGRESSIVE CORP COM 743315103   2,088,137 15,775 SH   SOLE   0 0 15,775
PUBLIC STORAGE COM 74460D109   502,034 1,720 SH   SOLE   0 0 1,720
QUALCOMM INC COM 747525103   202,725 1,703 SH   SOLE   0 0 1,703
RAYTHEON TECHNOLOGIES CORP COM 75513E101   382,338 3,903 SH   SOLE   0 0 3,903
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   245,659 4,195 SH   SOLE   0 0 4,195
ROCKWELL AUTOMATION INC COM 773903109   393,363 1,194 SH   SOLE   0 0 1,194
ROYAL BK CDA COM 780087102   367,236 3,845 SH   SOLE   0 0 3,845
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,304,573 2,943 SH   SOLE   0 0 2,943
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   276,810 578 SH   SOLE   0 0 578
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   16,697,432 697,470 SH   SOLE   0 0 697,470
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   683,846 14,229 SH   SOLE   0 0 14,229
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,455,137 35,885 SH   SOLE   0 0 35,885
SPDR SER TR S&P DIVID ETF 78464A763   333,785 2,723 SH   SOLE   0 0 2,723
STEREOTAXIS INC COM NEW 85916J409   25,337 16,560 SH   SOLE   0 0 16,560
TJX COS INC NEW COM 872540109   1,874,198 22,104 SH   SOLE   0 0 22,104
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   1,919,176 68,837 SH   SOLE   0 0 68,837
TEXAS INSTRS INC COM 882508104   232,226 1,290 SH   SOLE   0 0 1,290
SOUTHERN CO COM 842587107   395,719 5,633 SH   SOLE   0 0 5,633
TRACTOR SUPPLY CO COM 892356106   904,299 4,090 SH   SOLE   0 0 4,090
TRUIST FINL CORP COM 89832Q109   276,246 9,102 SH   SOLE   0 0 9,102
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   382,303 7,395 SH   SOLE   0 0 7,395
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   39,784,541 547,846 SH   SOLE   0 0 547,846
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   24,479,485 326,611 SH   SOLE   0 0 326,611
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   667,194 12,740 SH   SOLE   0 0 12,740
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   16,780,441 250,118 SH   SOLE   0 0 250,118
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   24,476,154 344,589 SH   SOLE   0 0 344,589
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,094,047 24,978 SH   SOLE   0 0 24,978
UNION PAC CORP COM 907818108   1,571,924 7,682 SH   SOLE   0 0 7,682
UNITED PARCEL SERVICE INC CL B 911312106   640,012 3,571 SH   SOLE   0 0 3,571
UNITEDHEALTH GROUP INC COM 91324P102   200,908 418 SH   SOLE   0 0 418
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   21,948,394 275,077 SH   SOLE   0 0 275,077
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   219,930 1,354 SH   SOLE   0 0 1,354
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   4,911,875 79,609 SH   SOLE   0 0 79,609
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   316,249 1,292 SH   SOLE   0 0 1,292
VANGUARD INDEX FDS MID CAP ETF 922908629   286,648 1,302 SH   SOLE   0 0 1,302
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,104,951 2,713 SH   SOLE   0 0 2,713
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   769,639 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   747,960 7,546 SH   SOLE   0 0 7,546
VANGUARD INDEX FDS SM CP VAL ETF 922908611   248,100 1,500 SH   SOLE   0 0 1,500
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   278,972 5,555 SH   SOLE   0 0 5,555
VANGUARD STAR FDS VG TL INTL STK F 921909768   493,487 8,800 SH   SOLE   0 0 8,800
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,025,183 4,654 SH   SOLE   0 0 4,654
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   881,439 17,930 SH   SOLE   0 0 17,930
VANGUARD INDEX FDS VALUE ETF 922908744   416,069 2,928 SH   SOLE   0 0 2,928
VERIZON COMMUNICATIONS INC COM 92343V104   600,603 16,150 SH   SOLE   0 0 16,150
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   384,839 16,327 SH   SOLE   0 0 16,327
VISA INC COM CL A 92826C839   1,333,239 5,614 SH   SOLE   0 0 5,614
WALMART INC COM 931142103   2,735,925 17,406 SH   SOLE   0 0 17,406
DISNEY WALT CO COM 254687106   382,492 4,284 SH   SOLE   0 0 4,284
WASTE MGMT INC DEL COM 94106L109   232,773 1,342 SH   SOLE   0 0 1,342
WELLS FARGO CO NEW COM 949746101   355,098 8,320 SH   SOLE   0 0 8,320
WEC ENERGY GROUP INC COM 92939U106   294,280 3,335 SH   SOLE   0 0 3,335
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   14,827,453 369,118 SH   SOLE   0 0 369,118