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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 4,020 33,967 SH   SOLE   0 0 33,967
ABBVIE INC COM 00287Y109 835 5,153 SH   SOLE   0 0 5,153
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8,120 24,080 SH   SOLE   0 0 24,080
ADOBE SYSTEMS INCORPORATED COM 00724F101 825 1,811 SH   SOLE   0 0 1,811
ALPHABET INC CAP STK CL A 02079K305 456 164 SH   SOLE   0 0 164
ALPHABET INC CAP STK CL C 02079K107 497 178 SH   SOLE   0 0 178
AMAZON COM INC COM 023135106 4,805 1,474 SH   SOLE   0 0 1,474
ANTHEM INC COM 036752103 1,178 2,398 SH   SOLE   0 0 2,398
APPLE INC COM 037833100 33,936 194,355 SH   SOLE   0 0 194,355
ARCHER DANIELS MIDLAND CO COM 039483102 317 3,514 SH   SOLE   0 0 3,514
AUTOMATIC DATA PROCESSING IN COM 053015103 4,448 19,546 SH   SOLE   0 0 19,546
AUTOZONE INC COM 053332102 219 107 SH   SOLE   0 0 107
AVERY DENNISON CORP COM 053611109 808 4,646 SH   SOLE   0 0 4,646
BK OF AMERICA CORP COM 060505104 1,010 24,498 SH   SOLE   0 0 24,498
BLACKROCK INC COM 09247X101 776 1,016 SH   SOLE   0 0 1,016
BRISTOL-MYERS SQUIBB CO COM 110122108 525 7,184 SH   SOLE   0 0 7,184
CSX CORP COM 126408103 988 26,385 SH   SOLE   0 0 26,385
CHEVRON CORP NEW COM 166764100 252 1,546 SH   SOLE   0 0 1,546
CINTAS CORP COM 172908105 339 797 SH   SOLE   0 0 797
COCA COLA CO COM 191216100 749 12,079 SH   SOLE   0 0 12,079
COMCAST CORP NEW CL A 20030N101 562 12,000 SH   SOLE   0 0 12,000
CONSOLIDATED EDISON INC COM 209115104 679 7,171 SH   SOLE   0 0 7,171
COSTCO WHSL CORP NEW COM 22160K105 10,173 17,665 SH   SOLE   0 0 17,665
DANAHER CORPORATION COM 235851102 2,197 7,491 SH   SOLE   0 0 7,491
DISCOVER FINL SVCS COM 254709108 275 2,500 SH   SOLE   0 0 2,500
DISNEY WALT CO COM 254687106 708 5,161 SH   SOLE   0 0 5,161
DUKE ENERGY CORP NEW COM NEW 26441C204 374 3,352 SH   SOLE   0 0 3,352
FIRST HORIZON CORPORATION COM 320517105 660 28,118 SH   SOLE   0 0 28,118
HERSHEY CO COM 427866108 1,249 5,766 SH   SOLE   0 0 5,766
HOME DEPOT INC COM 437076102 10,705 35,763 SH   SOLE   0 0 35,763
HONEYWELL INTL INC COM 438516106 456 2,345 SH   SOLE   0 0 2,345
ISHARES TR S&P MC 400GR ETF 464287606 180 2,324 SH   SOLE   0 0 2,324
ISHARES TR RUSSELL 2000 ETF 464287655 23 110 SH   SOLE   0 0 110
ISHARES TR RUS 1000 VAL ETF 464287598 17 105 SH   SOLE   0 0 105
ISHARES TR RUS MID CAP ETF 464287499 0 6 SH   SOLE   0 0 6
ISHARES TR S&P 500 VAL ETF 464287408 11 71 SH   SOLE   0 0 71
ISHARES TR S&P SML 600 GWT 464287887 132 1,059 SH   SOLE   0 0 1,059
ISHARES TR RUS 1000 GRW ETF 464287614 484 1,744 SH   SOLE   0 0 1,744
ISHARES TR RUS 2000 GRW ETF 464287648 220 860 SH   SOLE   0 0 860
ISHARES TR RUS 1000 ETF 464287622 15 60 SH   SOLE   0 0 60
ISHARES TR CORE S&P MCP ETF 464287507 886 3,301 SH   SOLE   0 0 3,301
ISHARES TR CORE S&P500 ETF 464287200 1,910 4,209 SH   SOLE   0 0 4,209
ISHARES TR U.S. TECH ETF 464287721 311 3,021 SH   SOLE   0 0 3,021
JOHNSON & JOHNSON COM 478160104 2,066 11,660 SH   SOLE   0 0 11,660
JPMORGAN CHASE & CO COM 46625H100 3,061 22,455 SH   SOLE   0 0 22,455
L3HARRIS TECHNOLOGIES INC COM 502431109 733 2,948 SH   SOLE   0 0 2,948
LILLY ELI & CO COM 532457108 1,804 6,299 SH   SOLE   0 0 6,299
LIVE OAK BANCSHARES INC COM 53803X105 382 7,503 SH   SOLE   0 0 7,503
LOCKHEED MARTIN CORP COM 539830109 635 1,438 SH   SOLE   0 0 1,438
MASTERCARD INCORPORATED CL A 57636Q104 5,811 16,259 SH   SOLE   0 0 16,259
MCDONALDS CORP COM 580135101 1,751 7,081 SH   SOLE   0 0 7,081
MCKESSON CORP COM 58155Q103 827 2,703 SH   SOLE   0 0 2,703
MICROSOFT CORP COM 594918104 27,502 89,204 SH   SOLE   0 0 89,204
MONDELEZ INTL INC CL A 609207105 281 4,471 SH   SOLE   0 0 4,471
NASDAQ INC COM 631103108 843 4,732 SH   SOLE   0 0 4,732
NIKE INC CL B 654106103 2,762 20,529 SH   SOLE   0 0 20,529
NORFOLK SOUTHN CORP COM 655844108 925 3,244 SH   SOLE   0 0 3,244
NORTHROP GRUMMAN CORP COM 666807102 3,399 7,601 SH   SOLE   0 0 7,601
NOVO-NORDISK A S ADR 670100205 302 2,720 SH   SOLE   0 0 2,720
NUCOR CORP COM 670346105 478 3,213 SH   SOLE   0 0 3,213
NVIDIA CORPORATION COM 67066G104 526 1,928 SH   SOLE   0 0 1,928
PEPSICO INC COM 713448108 1,039 6,210 SH   SOLE   0 0 6,210
PFIZER INC COM 717081103 237 4,585 SH   SOLE   0 0 4,585
PROCTER AND GAMBLE CO COM 742718109 1,271 8,315 SH   SOLE   0 0 8,315
ROLLINS INC COM 775711104 638 18,208 SH   SOLE   0 0 18,208
ROSS STORES INC COM 778296103 1,246 13,776 SH   SOLE   0 0 13,776
PRICE T ROWE GROUP INC COM 74144T108 829 5,484 SH   SOLE   0 0 5,484
S&P GLOBAL INC COM 78409V104 1,540 3,755 SH   SOLE   0 0 3,755
SALESFORCE COM INC COM 79466L302 212 1,000 SH   SOLE   0 0 1,000
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 37 700 SH   SOLE   0 0 700
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33 650 SH   SOLE   0 0 650
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,334 16,913 SH   SOLE   0 0 16,913
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5 69 SH   SOLE   0 0 69
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,589 48,490 SH   SOLE   0 0 48,490
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 586 10,890 SH   SOLE   0 0 10,890
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,004 93,607 SH   SOLE   0 0 93,607
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6 84 SH   SOLE   0 0 84
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,145 26,016 SH   SOLE   0 0 26,016
SOUTHSTATE CORPORATION COM 840441109 290 3,549 SH   SOLE   0 0 3,549
STRYKER CORPORATION COM 863667101 1,249 4,672 SH   SOLE   0 0 4,672
TJX COS INC NEW COM 872540109 3,576 59,036 SH   SOLE   0 0 59,036
TEXAS INSTRS INC COM 882508104 1,572 8,567 SH   SOLE   0 0 8,567
THERMO FISHER SCIENTIFIC INC COM 883556102 515 872 SH   SOLE   0 0 872
UNION PAC CORP COM 907818108 657 2,404 SH   SOLE   0 0 2,404
UNITED PARCEL SERVICE INC CL B 911312106 225 1,047 SH   SOLE   0 0 1,047
UNITEDHEALTH GROUP INC COM 91324P102 4,201 8,237 SH   SOLE   0 0 8,237
VANGUARD WORLD FD ESG US STK ETF 921910733 270 3,335 SH   SOLE   0 0 3,335
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 11 45 SH   SOLE   0 0 45
VANGUARD WORLD FDS INF TECH ETF 92204A702 606 1,455 SH   SOLE   0 0 1,455
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 25 400 SH   SOLE   0 0 400
VANGUARD WORLD FD MEGA GRWTH IND 921910816 451 1,915 SH   SOLE   0 0 1,915
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 30 198 SH   SOLE   0 0 198
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,730 13,801 SH   SOLE   0 0 13,801
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 232 2,920 SH   SOLE   0 0 2,920
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 303 3,632 SH   SOLE   0 0 3,632
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,121 13,707 SH   SOLE   0 0 13,707
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,075 27,397 SH   SOLE   0 0 27,397
VISA INC COM CL A 92826C839 12,787 57,661 SH   SOLE   0 0 57,661
YUM BRANDS INC COM 988498101 347 2,931 SH   SOLE   0 0 2,931
ZOETIS INC CL A 98978V103 3,762 19,950 SH   SOLE   0 0 19,950
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,473 7,690 SH   SOLE   0 0 7,690