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
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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
VANGUARD INDEX FDS TOTAL STK MKT 922908769   135,880,272 710,708 SH   SOLE Hardy Reed 0 0 710,708
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   84,594,819 240,778 SH   SOLE Hardy Reed 0 0 240,778
ISHARES TR CORE MSCI TOTAL 46432F834   76,834,155 1,327,473 SH   SOLE Hardy Reed 0 0 1,327,473
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   38,360,643 808,784 SH   SOLE Hardy Reed 0 0 808,784
VANGUARD STAR FDS VG TL INTL STK F 921909768   20,475,172 395,885 SH   SOLE Hardy Reed 0 0 395,885
ISHARES TR CORE S&P500 ETF 464287200   13,682,262 35,611 SH   SOLE Hardy Reed 0 0 35,611
ISHARES TR CORE S&P SCP ETF 464287804   12,519,358 132,284 SH   SOLE Hardy Reed 0 0 132,284
ISHARES TR RUS 1000 GRW ETF 464287614   11,567,889 53,995 SH   SOLE Hardy Reed 0 0 53,995
ISHARES TR CORE S&P MCP ETF 464287507   9,322,472 38,540 SH   SOLE Hardy Reed 0 0 38,540
ISHARES TR CORE MSCI EAFE 46432F842   7,782,297 126,254 SH   SOLE Hardy Reed 0 0 126,254
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,953,324 72,179 SH   SOLE Hardy Reed 0 0 72,179
VANGUARD INDEX FDS VALUE ETF 922908744   5,291,949 37,700 SH   OTR Fiduciary Services 0 0 37,700
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   5,289,138 195,749 SH   SOLE Hardy Reed 0 0 195,749
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,594,190 25,031 SH   OTR Fiduciary Services 0 0 25,031
ISHARES TR CORE S&P TTL STK 464287150   4,546,891 53,619 SH   SOLE Hardy Reed 0 0 53,619
ISHARES TR RUS 1000 VAL ETF 464287598   4,500,669 29,678 SH   SOLE Hardy Reed 0 0 29,678
ISHARES TR CORE INTL AGGR 46435G672   4,373,982 91,987 SH   SOLE Hardy Reed 0 0 91,987
VANGUARD INDEX FDS MID CAP ETF 922908629   4,349,305 21,340 SH   OTR Fiduciary Services 0 0 21,340
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,294,401 83,957 SH   SOLE Hardy Reed 0 0 83,957
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,399,095 87,201 SH   OTR Fiduciary Services 0 0 87,201
ISHARES TR MSCI EAFE MIN VL 46429B689   2,996,380 47,124 SH   OTR Fiduciary Services 0 0 47,124
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   2,984,966 102,682 SH   SOLE Hardy Reed 0 0 102,682
VANGUARD INDEX FDS VALUE ETF 922908744   2,969,808 21,157 SH   SOLE Hardy Reed 0 0 21,157
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,914,418 74,767 SH   SOLE Hardy Reed 0 0 74,767
ISHARES TR SELECT DIVID ETF 464287168   2,894,400 24,000 SH   OTR Fiduciary Services 0 0 24,000
APPLE INC COM 037833100   2,830,655 21,786 SH   SOLE Hardy Reed 0 0 21,786
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,742,349 65,906 SH   SOLE Hardy Reed 0 0 65,906
VANGUARD INDEX FDS GROWTH ETF 922908736   2,123,854 9,966 SH   OTR Fiduciary Services 0 0 9,966
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,851,344 4,841 SH   SOLE Hardy Reed 0 0 4,841
ISHARES TR RUS 2000 VAL ETF 464287630   1,845,975 13,312 SH   SOLE Hardy Reed 0 0 13,312
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,708,705 22,698 SH   SOLE Hardy Reed 0 0 22,698
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,668,937 39,765 SH   SOLE Hardy Reed 0 0 39,765
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   1,613,763 9,396 SH   SOLE Hardy Reed 0 0 9,396
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,341,384 8,447 SH   SOLE Hardy Reed 0 0 8,447
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,312,819 78,144 SH   OTR Fiduciary Services 0 0 78,144
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,228,742 2,775 SH   SOLE Hardy Reed 0 0 2,775
PROGRESSIVE CORP COM 743315103   1,228,094 9,468 SH   SOLE Hardy Reed 0 0 9,468
JPMORGAN CHASE & CO COM 46625H100   1,212,666 9,043 SH   SOLE Hardy Reed 0 0 9,043
MICROSOFT CORP COM 594918104   1,158,091 4,829 SH   SOLE Hardy Reed 0 0 4,829
HOME DEPOT INC COM 437076102   1,120,671 3,548 SH   SOLE Hardy Reed 0 0 3,548
ISHARES TR EAFE GRWTH ETF 464288885   1,109,820 13,250 SH   SOLE Hardy Reed 0 0 13,250
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   979,532 11,876 SH   OTR Fiduciary Services 0 0 11,876
CADENCE BANK COM 12740C103   950,322 38,537 SH   SOLE Hardy Reed 0 0 38,537
JOHNSON & JOHNSON COM 478160104   949,317 5,374 SH   SOLE Hardy Reed 0 0 5,374
SCHWAB CHARLES CORP COM 808513105   901,456 10,827 SH   SOLE Hardy Reed 0 0 10,827
ISHARES TR S&P 500 VAL ETF 464287408   897,693 6,188 SH   OTR Fiduciary Services 0 0 6,188
VANGUARD BD INDEX FDS INTERMED TERM 921937819   894,367 12,034 SH   SOLE Hardy Reed 0 0 12,034
RENASANT CORP COM 75970E107   875,058 23,279 SH   SOLE Hardy Reed 0 0 23,279
ISHARES TR ESG AWARE MSCI 46435U663   778,730 23,684 SH   SOLE Hardy Reed 0 0 23,684
VANGUARD INDEX FDS GROWTH ETF 922908736   762,934 3,580 SH   SOLE Hardy Reed 0 0 3,580
ALPHABET INC CAP STK CL C 02079K107   761,303 8,580 SH   SOLE Hardy Reed 0 0 8,580
VANGUARD WORLD FD ESG INTL STK ETF 921910725   745,868 15,163 SH   SOLE Hardy Reed 0 0 15,163
OREILLY AUTOMOTIVE INC COM 67103H107   739,370 876 SH   SOLE Hardy Reed 0 0 876
ISHARES TR TIPS BD ETF 464287176   713,514 6,703 SH   SOLE Hardy Reed 0 0 6,703
ISHARES TR S&P 500 GRWT ETF 464287309   673,920 11,520 SH   OTR Fiduciary Services 0 0 11,520
TE CONNECTIVITY LTD SHS H84989104   610,506 5,318 SH   SOLE Hardy Reed 0 0 5,318
DISNEY WALT CO COM 254687106   588,699 6,776 SH   SOLE Hardy Reed 0 0 6,776
TJX COS INC NEW COM 872540109   526,634 6,616 SH   SOLE Hardy Reed 0 0 6,616
WALMART INC COM 931142103   521,787 3,680 SH   SOLE Hardy reed 0 0 3,680
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   505,977 6,116 SH   SOLE Hardy Reed 0 0 6,116
PFIZER INC COM 717081103   505,021 9,856 SH   SOLE Hardy Reed 0 0 9,856
VANGUARD INDEX FDS LARGE CAP ETF 922908637   502,393 2,884 SH   SOLE Hardy Reed 0 0 2,884
FASTENAL CO COM 311900104   470,787 9,949 SH   SOLE Hardy Reed 0 0 9,949
OMNICOM GROUP INC COM 681919106   455,568 5,585 SH   SOLE Hardy Reed 0 0 5,585
ISHARES TR ESG AWRE 1 5 YR 46435G243   451,107 18,978 SH   SOLE Hardy Reed 0 0 18,978
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   450,813 4,770 SH   SOLE Hardy Reed 0 0 4,770
SPS COMM INC COM 78463M107   441,414 3,437 SH   SOLE Hardy Reed 0 0 3,437
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   433,706 11,744 SH   SOLE Hardy Reed 0 0 11,744
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   430,314 3,458 SH   SOLE Hardy Reed 0 0 3,458
ISHARES TR EAFE SML CP ETF 464288273   425,972 7,542 SH   SOLE Hardy Reed 0 0 7,542
GENERAL ELECTRIC CO COM NEW 369604301   392,975 4,690 SH   SOLE Hardy Reed 0 0 4,690
EXPEDITORS INTL WASH INC COM 302130109   389,492 3,748 SH   SOLE Hardy Reed 0 0 3,748
WISDOMTREE TR US QTLY DIV GRT 97717X669   381,173 6,315 SH   SOLE Hardy Reed 0 0 6,315
MUELLER INDS INC COM 624756102   379,842 6,438 SH   SOLE Hardy Reed 0 0 6,438
EXPONENT INC COM 30214U102   370,101 3,735 SH   SOLE Hardy Reed 0 0 3,735
UNION PAC CORP COM 907818108   366,928 1,772 SH   SOLE Hardy Reed 0 0 1,772
SCHWAB STRATEGIC TR US TIPS ETF 808524870   365,482 7,057 SH   SOLE Hardy Reed 0 0 7,057
ISHARES TR S&P MC 400VL ETF 464287705   348,566 3,458 SH   OTR Fiduciary Services 0 0 3,458
DESCARTES SYS GROUP INC COM 249906108   339,196 4,870 SH   SOLE Hardy Reed 0 0 4,870
US BANCORP DEL COM NEW 902973304   325,941 7,474 SH   SOLE Hardy Reed 0 0 7,474
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   321,264 1,759 SH   SOLE Hardy Reed 0 0 1,759
ISHARES INC ESG AWR MSCI EM 46434G863   318,892 10,605 SH   SOLE Hardy Reed 0 0 10,605
MODEL N INC COM 607525102   314,299 7,749 SH   SOLE Hardy Reed 0 0 7,749
ISHARES TR S&P MC 400GR ETF 464287606   309,467 4,531 SH   OTR Fiduciary Services 0 0 4,531
PARKER-HANNIFIN CORP COM 701094104   307,587 1,057 SH   SOLE Hardy Reed 0 0 1,057
WORKIVA INC COM CL A 98139A105   301,284 3,588 SH   SOLE Hardy Reed 0 0 3,588
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   287,252 2,224 SH   SOLE Hardy Reed 0 0 2,224
REGIONS FINANCIAL CORP NEW COM 7591EP100   286,403 13,284 SH   SOLE Hardy Reed 0 0 13,284
BLACKLINE INC COM 09239B109   275,336 4,093 SH   SOLE Hardy Reed 0 0 4,093
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   262,261 1,505 SH   SOLE Hardy Reed 0 0 1,505
ISHARES TR SP SMCP600VL ETF 464287879   260,690 2,855 SH   OTR Fiduciary Services 0 0 2,855
FIVE BELOW INC COM 33829M101   258,407 1,461 SH   SOLE Hardy Reed 0 0 1,461
BANK AMERICA CORP COM 060505104   257,674 7,780 SH   SOLE Hardy Reed 0 0 7,780
CARMAX INC COM 143130102   248,370 4,079 SH   SOLE Hardy Reed 0 0 4,079
ISHARES TR MSCI USA MIN VOL 46429B697   245,717 3,408 SH   OTR Fiduciary Services 0 0 3,408
VANGUARD INDEX FDS MID CAP ETF 922908629   245,387 1,204 SH   SOLE Hardy Reed 0 0 1,204
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   241,134 1,775 SH   SOLE Hardy Reed 0 0 1,775
ISHARES TR S&P SML 600 GWT 464287887   237,646 2,199 SH   OTR Fiduciary Services 0 0 2,199
BLACKROCK MUNI INCOME TR II COM 09249N101   234,997 22,749 SH   SOLE Hardy Reed 0 0 22,749
META PLATFORMS INC CL A 30303M102   233,219 1,938 SH   SOLE Hardy Reed 0 0 1,938
SPDR SER TR PORTFOLIO S&P500 78464A854   232,861 5,177 SH   SOLE Hardy Reed 0 0 5,177
RITCHIE BROS AUCTIONEERS COM 767744105   227,619 3,936 SH   SOLE Hardy Reed 0 0 3,936
ENSIGN GROUP INC COM 29358P101   222,050 2,347 SH   SOLE Hardy Reed 0 0 2,347
AXON ENTERPRISE INC COM 05464C101   211,561 1,275 SH   SOLE Hardy Reed 0 0 1,275
CASELLA WASTE SYS INC CL A 147448104   211,361 2,665 SH   SOLE Hardy Reed 0 0 2,665
CISCO SYS INC COM 17275R102   210,235 4,413 SH   SOLE Hardy Reed 0 0 4,413
GLOBANT S A COM L44385109   208,855 1,242 SH   SOLE Hardy Reed 0 0 1,242
GRAND CANYON ED INC COM 38526M106   208,784 1,976 SH   SOLE Hardy Reed 0 0 1,976
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   205,137 827 SH   SOLE Hardy Reed 0 0 827
AAON INC COM PAR $0.004 000360206   202,008 2,682 SH   SOLE Hardy Reed 0 0 2,682
NUVEEN QUALITY MUNCP INCOME COM 67066V101   137,635 11,664 SH   SOLE Hardy Reed 0 0 11,664
PIMCO MUN INCOME FD III COM 72201A103   133,829 15,365 SH   SOLE Hardy Reed 0 0 15,365
CCC INTELLIGENT SOLUTIONS HL COM 12510Q100   90,602 10,414 SH   SOLE Hardy Reed 0 0 10,414
MANHATTAN BRDG CAP INC COM 562803106   40,615 40,615 SH   SOLE Hardy Reed 0 0 40,615