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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   423,251 2,882 SH   SOLE   0 0 2,882
ABBOTT LABS COM 002824100   519,895 3,919 SH   SOLE   0 0 3,919
ABBVIE INC COM 00287Y109   1,011,532 4,828 SH   SOLE   0 0 4,828
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   208,790 5,450 SH   SOLE   0 0 5,450
ALPHABET INC CAP STK CL A 02079K305   416,291 2,692 SH   SOLE   0 0 2,692
ALPHABET INC CAP STK CL C 02079K107   1,343,588 8,600 SH   SOLE   0 0 8,600
AMAZON COM INC COM 023135106   6,858,302 36,047 SH   SOLE   0 0 36,047
AMERICAN CENTY ETF TR LARGE CAP EQUITY 025072752   229,800 3,510 SH   SOLE   0 0 3,510
AMERICAN EXPRESS CO COM 025816109   353,801 1,315 SH   SOLE   0 0 1,315
AMERICAN TOWER CORP NEW COM 03027X100   233,267 1,072 SH   SOLE   0 0 1,072
APPLE INC COM 037833100   9,949,652 44,792 SH   SOLE   0 0 44,792
AT&T INC COM 00206R102   1,268,495 44,855 SH   SOLE   0 0 44,855
AUTOMATIC DATA PROCESSING IN COM 053015103   347,388 1,137 SH   SOLE   0 0 1,137
AUTOZONE INC COM 053332102   8,452,933 2,217 SH   SOLE   0 0 2,217
BANK AMERICA CORP COM 060505104   1,701,982 40,786 SH   SOLE   0 0 40,786
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,992,208 5 SH   SOLE   0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   20,130,991 37,799 SH   SOLE   0 0 37,799
BOOKING HOLDINGS INC COM 09857L108   285,628 62 SH   SOLE   0 0 62
BRISTOL-MYERS SQUIBB CO COM 110122108   591,298 9,695 SH   SOLE   0 0 9,695
CSX CORP COM 126408103   204,464 6,947 SH   SOLE   0 0 6,947
CANADIAN PACIFIC KANSAS CITY COM 13646K108   414,660 5,906 SH   SOLE   0 0 5,906
CARMAX INC COM 143130102   255,967 3,285 SH   SOLE   0 0 3,285
SCHWAB CHARLES CORP COM 808513105   986,485 12,602 SH   SOLE   0 0 12,602
CHEVRON CORP NEW COM 166764100   753,531 4,504 SH   SOLE   0 0 4,504
THE CIGNA GROUP COM 125523100   216,153 657 SH   SOLE   0 0 657
CISCO SYS INC COM 17275R102   364,552 5,908 SH   SOLE   0 0 5,908
CME GROUP INC COM 12572Q105   224,170 845 SH   SOLE   0 0 845
CNH INDL N V SHS N20944109   1,105,200 90,000 SH   SOLE   0 0 90,000
COCA COLA CO COM 191216100   1,580,394 22,066 SH   SOLE   0 0 22,066
COSTCO WHSL CORP NEW COM 22160K105   1,177,767 1,245 SH   SOLE   0 0 1,245
CREDIT ACCEP CORP MICH COM 225310101   249,913 484 SH   SOLE   0 0 484
CROWN HLDGS INC COM 228368106   401,134 4,494 SH   SOLE   0 0 4,494
CVS HEALTH CORP COM 126650100   238,819 3,525 SH   SOLE   0 0 3,525
DANAHER CORPORATION COM 235851102   234,110 1,142 SH   SOLE   0 0 1,142
DEERE & CO COM 244199105   1,548,855 3,300 SH   SOLE   0 0 3,300
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   867,586 14,345 SH   SOLE   0 0 14,345
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   257,104 4,303 SH   SOLE   0 0 4,303
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   369,194 8,959 SH   SOLE   0 0 8,959
DOMINION ENERGY INC COM 25746U109   277,771 4,954 SH   SOLE   0 0 4,954
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,498,329 13,095 SH   SOLE   0 0 13,095
DUKE ENERGY CORP NEW COM NEW 26441C204   384,815 3,155 SH   SOLE   0 0 3,155
EMERSON ELEC CO COM 291011104   1,726,940 15,751 SH   SOLE   0 0 15,751
ENBRIDGE INC COM 29250N105   214,017 4,830 SH   SOLE   0 0 4,830
ENTERGY CORP NEW COM 29364G103   299,215 3,500 SH   SOLE   0 0 3,500
ENTERPRISE PRODS PARTNERS L COM 293792107   527,087 15,439 SH   SOLE   0 0 15,439
EXPEDITORS INTL WASH INC COM 302130109   963,203 8,010 SH   SOLE   0 0 8,010
EXXON MOBIL CORP COM 30231G102   3,175,377 26,700 SH   SOLE   0 0 26,700
FASTENAL CO COM 311900104   673,754 8,688 SH   SOLE   0 0 8,688
FEDEX CORP COM 31428X106   1,916,463 7,861 SH   SOLE   0 0 7,861
FIRST HORIZON CORPORATION COM 320517105   358,394 18,455 SH   SOLE   0 0 18,455
GENERAL DYNAMICS CORP COM 369550108   420,591 1,543 SH   SOLE   0 0 1,543
GLOBE LIFE INC COM 37959E102   791,799 6,011 SH   SOLE   0 0 6,011
HARBOR ETF TRUST INTERNATNAL COMP 41151J885   1,150,292 43,350 SH   SOLE   0 0 43,350
HOME DEPOT INC COM 437076102   2,513,388 6,858 SH   SOLE   0 0 6,858
HONEYWELL INTL INC COM 438516106   1,785,053 8,430 SH   SOLE   0 0 8,430
INTERNATIONAL BUSINESS MACHS COM 459200101   1,329,550 5,347 SH   SOLE   0 0 5,347
ISHARES TR IBONDS DEC25 ETF 46434VBD1   16,483,658 655,414 SH   SOLE   0 0 655,414
ISHARES TR IBONDS DEC2026 46435GAA0   16,447,766 679,379 SH   SOLE   0 0 679,379
ISHARES TR IBONDS 27 ETF 46435UAA9   16,260,905 672,494 SH   SOLE   0 0 672,494
IDEXX LABS INC COM 45168D104   3,269,311 7,785 SH   SOLE   0 0 7,785
ISHARES TR SELECT DIVID ETF 464287168   201,435 1,500 SH   SOLE   0 0 1,500
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   397,366 11,585 SH   SOLE   0 0 11,585
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   30,616,184 1,547,835 SH   SOLE   0 0 1,547,835
INVESCO QQQ TR UNIT SER 1 46090E103   1,769,213 3,773 SH   SOLE   0 0 3,773
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   603,552 13,115 SH   SOLE   0 0 13,115
ISHARES TR CORE S&P MCP ETF 464287507   642,784 11,016 SH   SOLE   0 0 11,016
ISHARES TR 7-10 YR TRSY BD 464287440   17,960,460 188,324 SH   SOLE   0 0 188,324
ISHARES TR CORE S&P500 ETF 464287200   16,898,019 30,073 SH   SOLE   0 0 30,073
ISHARES TR HDG MSCI EAFE 46434V803   4,952,641 136,474 SH   SOLE   0 0 136,474
ISHARES TR FLTG RATE NT ETF 46429B655   357,197 6,997 SH   SOLE   0 0 6,997
ISHARES TR GL CLEAN ENE ETF 464288224   121,714 10,658 SH   SOLE   0 0 10,658
ISHARES TR USD INV GRDE ETF 464288620   1,936,903 37,919 SH   SOLE   0 0 37,919
ISHARES TR CORE US AGGBD ET 464287226   8,520,079 86,131 SH   SOLE   0 0 86,131
ISHARES TR MORNINGSTAR GRWT 464287119   735,794 9,085 SH   SOLE   0 0 9,085
ISHARES TR MORNINGSTAR VALU 464288109   414,581 5,090 SH   SOLE   0 0 5,090
ISHARES TR MRGSTR MD CP ETF 464288208   730,088 9,855 SH   SOLE   0 0 9,855
ISHARES TR MRGSTR MD CP GRW 464288307   4,233,299 59,265 SH   SOLE   0 0 59,265
ISHARES TR MRGSTR MD CP VAL 464288406   332,074 4,476 SH   SOLE   0 0 4,476
ISHARES TR MSCI EAFE ETF 464287465   6,748,283 82,568 SH   SOLE   0 0 82,568
DBX ETF TR XTRACK MSCI EURP 233051853   1,327,096 30,052 SH   SOLE   0 0 30,052
ISHARES TR RUS 1000 ETF 464287622   436,798 1,424 SH   SOLE   0 0 1,424
ISHARES TR S&P 500 GRWT ETF 464287309   436,023 4,697 SH   SOLE   0 0 4,697
ISHARES TR S&P 500 VAL ETF 464287408   853,417 4,478 SH   SOLE   0 0 4,478
ISHARES TR CORE S&P SCP ETF 464287804   18,023,486 172,358 SH   SOLE   0 0 172,358
JOHNSON & JOHNSON COM 478160104   2,584,052 15,582 SH   SOLE   0 0 15,582
JOHNSON CTLS INTL PLC SHS G51502105   1,586,178 19,800 SH   SOLE   0 0 19,800
JPMORGAN CHASE & CO. COM 46625H100   2,565,347 10,458 SH   SOLE   0 0 10,458
ELI LILLY & CO COM 532457108   1,162,881 1,408 SH   SOLE   0 0 1,408
MASTERCARD INCORPORATED CL A 57636Q104   693,372 1,265 SH   SOLE   0 0 1,265
MCDONALDS CORP COM 580135101   456,298 1,461 SH   SOLE   0 0 1,461
MERCK & CO INC COM 58933Y105   589,544 6,568 SH   SOLE   0 0 6,568
META PLATFORMS INC CL A 30303M102   463,412 804 SH   SOLE   0 0 804
MICROSOFT CORP COM 594918104   6,698,557 17,844 SH   SOLE   0 0 17,844
MID-AMER APT CMNTYS INC COM 59522J103   1,121,562 6,693 SH   SOLE   0 0 6,693
MONDELEZ INTL INC CL A 609207105   352,752 5,199 SH   SOLE   0 0 5,199
NEXTERA ENERGY INC COM 65339F101   989,681 13,961 SH   SOLE   0 0 13,961
NVIDIA CORPORATION COM 67066G104   6,410,612 59,149 SH   SOLE   0 0 59,149
ORACLE CORP COM 68389X105   470,573 3,366 SH   SOLE   0 0 3,366
OREILLY AUTOMOTIVE INC COM 67103H107   710,560 496 SH   SOLE   0 0 496
PACER FDS TR US CASH COWS 100 69374H881   704,214 12,860 SH   SOLE   0 0 12,860
PEPSICO INC COM 713448108   1,112,430 7,419 SH   SOLE   0 0 7,419
PFIZER INC COM 717081103   589,588 23,267 SH   SOLE   0 0 23,267
PHILIP MORRIS INTL INC COM 718172109   377,003 2,375 SH   SOLE   0 0 2,375
PHILLIPS 66 COM 718546104   231,428 1,874 SH   SOLE   0 0 1,874
PINNACLE FINL PARTNERS INC COM 72346Q104   731,645 6,900 SH   SOLE   0 0 6,900
PROCTER AND GAMBLE CO COM 742718109   3,288,693 19,298 SH   SOLE   0 0 19,298
PROGRESSIVE CORP COM 743315103   1,668,344 5,895 SH   SOLE   0 0 5,895
PUBLIC STORAGE OPER CO COM 74460D109   428,883 1,433 SH   SOLE   0 0 1,433
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   200,850 3,900 SH   SOLE   0 0 3,900
ROCKWELL AUTOMATION INC COM 773903109   1,303,269 5,044 SH   SOLE   0 0 5,044
ROYAL BK CDA COM 780087102   433,408 3,845 SH   SOLE   0 0 3,845
RTX CORPORATION COM 75513E101   2,373,153 17,916 SH   SOLE   0 0 17,916
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,797,697 3,214 SH   SOLE   0 0 3,214
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   399,043 748 SH   SOLE   0 0 748
SALESFORCE INC COM 79466L302   216,298 806 SH   SOLE   0 0 806
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   16,694,108 657,766 SH   SOLE   0 0 657,766
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   298,582 12,267 SH   SOLE   0 0 12,267
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   6,808,003 168,975 SH   SOLE   0 0 168,975
SPDR SER TR S&P DIVID ETF 78464A763   200,128 1,475 SH   SOLE   0 0 1,475
STEREOTAXIS INC COM NEW 85916J409   34,672 19,700 SH   SOLE   0 0 19,700
TJX COS INC NEW COM 872540109   1,823,102 14,968 SH   SOLE   0 0 14,968
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   2,214,819 58,147 SH   SOLE   0 0 58,147
TEXAS INSTRS INC COM 882508104   255,174 1,420 SH   SOLE   0 0 1,420
TEXAS ROADHOUSE INC COM 882681109   225,284 1,352 SH   SOLE   0 0 1,352
SOUTHERN CO COM 842587107   528,377 5,746 SH   SOLE   0 0 5,746
T-MOBILE US INC COM 872590104   298,715 1,120 SH   SOLE   0 0 1,120
TRACTOR SUPPLY CO COM 892356106   1,126,795 20,450 SH   SOLE   0 0 20,450
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   225,347 6,981 SH   SOLE   0 0 6,981
TRUIST FINL CORP COM 89832Q109   379,460 9,221 SH   SOLE   0 0 9,221
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   515,805 23,958 SH   SOLE   0 0 23,958
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   54,810,992 1,960,336 SH   SOLE   0 0 1,960,336
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   34,302,967 1,369,927 SH   SOLE   0 0 1,369,927
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   783,288 35,475 SH   SOLE   0 0 35,475
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   27,813,061 1,046,391 SH   SOLE   0 0 1,046,391
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   32,545,327 1,242,188 SH   SOLE   0 0 1,242,188
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   924,032 39,438 SH   SOLE   0 0 39,438
UNION PAC CORP COM 907818108   1,756,714 7,436 SH   SOLE   0 0 7,436
UNITED PARCEL SERVICE INC CL B 911312106   442,930 4,027 SH   SOLE   0 0 4,027
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   32,823,486 372,994 SH   SOLE   0 0 372,994
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   393,178 5,353 SH   SOLE   0 0 5,353
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   327,649 1,689 SH   SOLE   0 0 1,689
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,065,084 29,413 SH   SOLE   0 0 29,413
VANGUARD WORLD FD FINANCIALS ETF 92204A405   241,765 2,024 SH   SOLE   0 0 2,024
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   314,784 1,189 SH   SOLE   0 0 1,189
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   15,709,612 192,143 SH   SOLE   0 0 192,143
VANGUARD WORLD FD MEGA CAP INDEX 921910873   211,449 1,050 SH   SOLE   0 0 1,050
VANGUARD INDEX FDS MID CAP ETF 922908629   259,137 1,002 SH   SOLE   0 0 1,002
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   864,911 1,683 SH   SOLE   0 0 1,683
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,013,140 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   806,516 7,546 SH   SOLE   0 0 7,546
VANGUARD INDEX FDS SM CP VAL ETF 922908611   230,813 1,239 SH   SOLE   0 0 1,239
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   255,791 5,155 SH   SOLE   0 0 5,155
VANGUARD STAR FDS VG TL INTL STK F 921909768   458,609 7,385 SH   SOLE   0 0 7,385
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,279,105 4,654 SH   SOLE   0 0 4,654
VANGUARD INDEX FDS VALUE ETF 922908744   460,352 2,665 SH   SOLE   0 0 2,665
VERIZON COMMUNICATIONS INC COM 92343V104   648,990 14,308 SH   SOLE   0 0 14,308
VICTORY PORTFOLIOS II SHARES FREE CASH 92647X830   1,186,431 34,610 SH   SOLE   0 0 34,610
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   616,433 26,109 SH   SOLE   0 0 26,109
VISA INC COM CL A 92826C839   1,967,402 5,614 SH   SOLE   0 0 5,614
WALMART INC COM 931142103   4,297,050 48,947 SH   SOLE   0 0 48,947
WASTE CONNECTIONS INC COM 94106B101   216,271 1,108 SH   SOLE   0 0 1,108
WASTE MGMT INC DEL COM 94106L109   406,820 1,757 SH   SOLE   0 0 1,757
WELLS FARGO CO NEW COM 949746101   513,299 7,150 SH   SOLE   0 0 7,150
WESTROCK COFFEE CO COM 96145W103   95,817 13,271 SH   SOLE   0 0 13,271
WEC ENERGY GROUP INC COM 92939U106   363,448 3,335 SH   SOLE   0 0 3,335
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   16,483,860 379,812 SH   SOLE   0 0 379,812