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
ABBOTT LABS COM 002824100   568,012 5,174 SH   SOLE   5,173 0 0
ABBVIE INC COM 00287Y109   402,060 2,488 SH   SOLE   2,487 0 0
AFLAC INC COM 001055102   796,675 11,074 SH   SOLE   11,074 0 0
ALPHABET INC CAP STK CL A 02079K305   340,127 3,855 SH   SOLE   3,855 0 0
ALPHABET INC CAP STK CL C 02079K107   583,488 6,576 SH   SOLE   6,576 0 0
AMAZON COM INC COM 023135106   878,976 10,464 SH   SOLE   10,464 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   3,779,064 24,794 SH   SOLE   24,793 0 0
AMERIS BANCORP COM 03076K108   926,466 19,653 SH   SOLE   19,653 0 0
AMGEN INC COM 031162100   507,289 1,931 SH   SOLE   1,931 0 0
APPLE INC COM 037833100   3,758,751 28,929 SH   SOLE   28,929 0 0
AT&T INC COM 00206R102   322,053 17,493 SH   SOLE   17,493 0 0
BANK AMERICA CORP COM 060505104   380,071 11,476 SH   SOLE   11,475 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,221,300 7,191 SH   SOLE   7,191 0 0
BLACKROCK INC COM 09247X101   279,534 394 SH   SOLE   394 0 0
BOX INC CL A 10316T104   262,706 8,439 SH   SOLE   8,439 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   372,910 5,183 SH   SOLE   5,182 0 0
BROADCOM INC COM 11135F101   566,543 1,013 SH   SOLE   1,013 0 0
CATERPILLAR INC COM 149123101   506,810 2,116 SH   SOLE   2,115 0 0
CHEVRON CORP NEW COM 166764100   238,363 1,328 SH   SOLE   1,328 0 0
COCA COLA CO COM 191216100   1,196,801 18,815 SH   SOLE   18,814 0 0
COSTCO WHSL CORP NEW COM 22160K105   512,972 1,124 SH   SOLE   1,123 0 0
DEERE & CO COM 244199105   385,957 900 SH   SOLE   900 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   219,275 6,673 SH   SOLE   6,673 0 0
EATON CORP PLC SHS G29183103   226,184 1,441 SH   SOLE   1,441 0 0
EMERSON ELEC CO COM 291011104   266,086 2,770 SH   SOLE   2,770 0 0
EXXON MOBIL CORP COM 30231G102   805,163 7,300 SH   SOLE   7,299 0 0
FS KKR CAP CORP COM 302635206   228,867 13,078 SH   SOLE   13,078 0 0
GALLAGHER ARTHUR J & CO COM 363576109   339,561 1,801 SH   SOLE   1,801 0 0
GENESCO INC COM 371532102   414,180 9,000 SH   SOLE   9,000 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   213,239 621 SH   SOLE   621 0 0
HCA HEALTHCARE INC COM 40412C101   1,457,661 6,075 SH   SOLE   6,074 0 0
HOME DEPOT INC COM 437076102   1,379,492 4,367 SH   SOLE   4,367 0 0
HONEYWELL INTL INC COM 438516106   273,624 1,277 SH   SOLE   1,276 0 0
INTERFACE INC COM 458665304   256,263 25,964 SH   SOLE   25,963 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   269,806 1,739 SH   SOLE   1,739 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   400,205 1,503 SH   SOLE   1,502 0 0
IQVIA HLDGS INC COM 46266C105   269,840 1,317 SH   SOLE   1,317 0 0
ISHARES INC CORE MSCI EMKT 46434G103   218,546 4,680 SH   SOLE   4,679 0 0
ISHARES TR CORE INTL AGGR 46435G672   19,009,201 399,773 SH   SOLE   399,772 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   867,040 18,385 SH   SOLE   18,385 0 0
ISHARES TR MSCI ACWI EX US 464288240   352,961 7,757 SH   SOLE   7,757 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   27,421,953 262,990 SH   SOLE   262,989 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   2,290,975 28,224 SH   SOLE   28,224 0 0
ISHARES TR CORE S&P SCP ETF 464287804   30,415,553 321,382 SH   SOLE   321,381 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,288,540 10,682 SH   SOLE   10,682 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   364,402 2,628 SH   SOLE   2,627 0 0
ISHARES TR SELECT DIVID ETF 464287168   938,110 7,779 SH   SOLE   7,778 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   519,371 4,930 SH   SOLE   4,930 0 0
ISHARES TR RUS TP200 GR ETF 464289438   733,467 6,085 SH   SOLE   6,085 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   373,405 2,142 SH   SOLE   2,141 0 0
ISHARES TR RUS MD CP GR ETF 464287481   542,932 6,494 SH   SOLE   6,494 0 0
ISHARES TR RUS TOP 200 ETF 464289446   842,203 9,361 SH   SOLE   9,360 0 0
ISHARES TR US TREAS BD ETF 46429B267   748,924 32,963 SH   SOLE   32,963 0 0
ISHARES TR SHORT TREAS BD 464288679   266,410 2,424 SH   SOLE   2,423 0 0
ISHARES TR CORE MSCI EAFE 46432F842   6,305,278 102,292 SH   SOLE   102,291 0 0
ISHARES TR CORE S&P TTL STK 464287150   1,044,407 12,316 SH   SOLE   12,316 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   81,756,208 1,412,512 SH   SOLE   1,412,512 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   270,522 1,261 SH   SOLE   1,261 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,826,336 12,589 SH   SOLE   12,589 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   281,364 2,469 SH   SOLE   2,468 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   5,890,184 100,687 SH   SOLE   100,686 0 0
ISHARES TR CORE S&P500 ETF 464287200   202,625,584 527,382 SH   SOLE   527,382 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   25,533,152 549,809 SH   SOLE   549,809 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,615,277 68,425 SH   SOLE   68,425 0 0
ISHARES TR U.S. TECH ETF 464287721   220,209 2,956 SH   SOLE   2,956 0 0
ISHARES TR CORE US AGGBD ET 464287226   118,568,516 1,222,482 SH   SOLE   1,222,481 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   2,784,977 55,655 SH   SOLE   55,655 0 0
ISHARES TR USD INV GRDE ETF 464288620   462,256 9,413 SH   SOLE   9,412 0 0
ISHARES TR CORE TOTAL USD 46434V613   688,613 15,326 SH   SOLE   15,326 0 0
ISHARES TR NATIONAL MUN ETF 464288414   18,613,838 176,401 SH   SOLE   176,401 0 0
ISHARES TR MBS ETF 464288588   522,086 5,629 SH   SOLE   5,628 0 0
ISHARES TR S&P MC 400GR ETF 464287606   510,996 7,482 SH   SOLE   7,481 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,316,322 5,965 SH   SOLE   5,964 0 0
ISHARES TR MSCI ACWI ETF 464288257   5,556,376 65,462 SH   SOLE   65,461 0 0
ISHARES TR CORE S&P MCP ETF 464287507   70,646,995 292,062 SH   SOLE   292,062 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,184,650 14,406 SH   SOLE   14,405 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,092,491 16,644 SH   SOLE   16,643 0 0
ISHARES TR RUS 1000 ETF 464287622   663,306 3,151 SH   SOLE   3,150 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,041,667 160,416 SH   SOLE   160,416 0 0
JACOBS SOLUTIONS INC COM 46982L108   331,153 2,758 SH   SOLE   2,758 0 0
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   254,387 8,316 SH   SOLE   8,316 0 0
JOHNSON & JOHNSON COM 478160104   496,746 2,812 SH   SOLE   2,812 0 0
JPMORGAN CHASE & CO COM 46625H100   492,111 3,670 SH   SOLE   3,669 0 0
LILLY ELI & CO COM 532457108   673,739 1,842 SH   SOLE   1,841 0 0
LINDE PLC SHS G5494J103   310,995 953 SH   SOLE   953 0 0
LOCKHEED MARTIN CORP COM 539830109   228,886 470 SH   SOLE   470 0 0
LOWES COS INC COM 548661107   202,494 1,016 SH   SOLE   1,016 0 0
MARSH & MCLENNAN COS INC COM 571748102   384,628 2,324 SH   SOLE   2,324 0 0
MASTERCARD INCORPORATED CL A 57636Q104   451,339 1,298 SH   SOLE   1,297 0 0
MCDONALDS CORP COM 580135101   952,276 3,614 SH   SOLE   3,613 0 0
MERCK & CO INC COM 58933Y105   384,045 3,461 SH   SOLE   3,461 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   404,697 5,761 SH   SOLE   5,760 0 0
MICROSOFT CORP COM 594918104   2,600,956 10,845 SH   SOLE   10,845 0 0
NIKE INC CL B 654106103   212,199 1,814 SH   SOLE   1,813 0 0
NORFOLK SOUTHN CORP COM 655844108   280,672 1,139 SH   SOLE   1,139 0 0
NVIDIA CORPORATION COM 67066G104   782,588 5,355 SH   SOLE   5,355 0 0
ORACLE CORP COM 68389X105   229,791 2,811 SH   SOLE   2,811 0 0
PAYCHEX INC COM 704326107   297,600 2,575 SH   SOLE   2,575 0 0
PEPSICO INC COM 713448108   788,527 4,365 SH   SOLE   4,364 0 0
PFIZER INC COM 717081103   624,718 12,192 SH   SOLE   12,191 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104   1,507,388 20,537 SH   SOLE   20,536 0 0
PROCTER AND GAMBLE CO COM 742718109   710,643 4,689 SH   SOLE   4,688 0 0
QUALCOMM INC COM 747525103   213,357 1,941 SH   SOLE   1,940 0 0
RAYMOND JAMES FINL INC COM 754730109   4,762,317 44,570 SH   SOLE   44,570 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   794,828 7,876 SH   SOLE   7,875 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   471,747 10,334 SH   SOLE   10,334 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   252,383 1,858 SH   SOLE   1,857 0 0
SIRIUS XM HOLDINGS INC COM 82968B103   80,090 13,714 SH   SOLE   13,714 0 0
SOUTHERN CO COM 842587107   16,738,932 234,406 SH   SOLE   233,388 0 1,017
SPDR GOLD TR GOLD SHS 78463V107   239,121 1,410 SH   SOLE   1,409 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   654,450 16,001 SH   SOLE   16,001 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,753,177 4,584 SH   SOLE   4,584 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,794,290 190,780 SH   SOLE   190,779 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   10,613,266 249,724 SH   SOLE   249,723 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   5,706,810 154,363 SH   SOLE   154,363 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   24,778,794 550,885 SH   SOLE   550,884 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   283,554 7,291 SH   SOLE   7,291 0 0
SYSCO CORP COM 871829107   228,050 2,983 SH   SOLE   2,983 0 0
TARGET CORP COM 87612E106   328,276 2,203 SH   SOLE   2,202 0 0
TASEKO MINES LTD COM 876511106   38,446 26,154 SH   SOLE   26,154 0 0
TESLA INC COM 88160R101   828,262 6,724 SH   SOLE   6,724 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   445,508 809 SH   SOLE   809 0 0
UNION PAC CORP COM 907818108   268,258 1,295 SH   SOLE   1,295 0 0
UNITED PARCEL SERVICE INC CL B 911312106   386,198 2,222 SH   SOLE   2,221 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,518,465 2,864 SH   SOLE   2,864 0 0
US BANCORP DEL COM NEW 902973304   306,929 7,038 SH   SOLE   7,038 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   249,614 1,782 SH   SOLE   1,782 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   968,342 13,479 SH   SOLE   13,479 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   264,509 5,577 SH   SOLE   5,576 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   881,711 4,612 SH   SOLE   4,611 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   827,805 4,752 SH   SOLE   4,752 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   527,662 2,589 SH   SOLE   2,588 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   382,122 1,088 SH   SOLE   1,087 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,972,665 181,303 SH   SOLE   181,302 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   247,536 1,630 SH   SOLE   1,630 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   22,516,162 435,347 SH   SOLE   435,347 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   524,757 4,849 SH   SOLE   4,849 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   202,719 5,145 SH   SOLE   5,145 0 0
VISA INC COM CL A 92826C839   606,137 2,917 SH   SOLE   2,917 0 0
WALMART INC COM 931142103   789,157 5,566 SH   SOLE   5,565 0 0
WASTE MGMT INC DEL COM 94106L109   590,028 3,761 SH   SOLE   3,761 0 0
XOS INC COMMON STOCK 98423B108   71,360 161,119 SH   SOLE   161,119 0 0
ZOETIS INC CL A 98978V103   241,368 1,647 SH   SOLE   1,647 0 0