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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR RUS MID CAP ETF 464287499 3,291 61,396 SH   SOLE   5,028 0 56,368
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,736 81,308 SH   SOLE   73,093 0 8,215
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 304 5,771 SH   SOLE   5,731 0 40
RAYTHEON TECHNOLOGIES CORP COM 75513E101 275 4,468 SH   SOLE   3,684 0 784
MARRIOTT INTL INC NEW CL A 571903202 220 2,564 SH   SOLE   1,389 0 1,175
CISCO SYS INC COM 17275R102 545 11,692 SH   SOLE   8,581 0 3,111
JOHNSON & JOHNSON COM 478160104 532 3,782 SH   SOLE   3,060 0 722
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 423 6,475 SH   SOLE   6,363 0 112
MICROSOFT CORP COM 594918104 1,507 7,404 SH   SOLE   6,902 0 502
AT&T INC COM 00206R102 342 11,323 SH   SOLE   11,323 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 391 7,090 SH   SOLE   6,188 0 902
PEPSICO INC COM 713448108 283 2,140 SH   SOLE   2,140 0 0
ALPHABET INC CAP STK CL A 02079K305 355 250 SH   SOLE   250 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 319 28,685 SH   SOLE   26,388 0 2,297
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 795 26,723 SH   SOLE   11,083 0 15,640
APPLE INC COM 037833100 1,503 4,121 SH   SOLE   3,425 0 696
ISHARES TR RUS 1000 GRW ETF 464287614 14,156 73,750 SH   SOLE   4,400 0 69,350
VISA INC COM CL A 92826C839 421 2,181 SH   SOLE   2,181 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,164 165,559 SH   SOLE   145,872 0 19,687
ISHARES TR CORE S&P500 ETF 464287200 7,278 23,500 SH   SOLE   20,863 0 2,637
INVESCO QQQ TR UNIT SER 1 46090E103 314 1,270 SH   SOLE   1,171 0 99
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,429 26,211 SH   SOLE   13,821 0 12,390
QUALCOMM INC COM 747525103 451 4,941 SH   SOLE   2,942 0 1,999
MEDTRONIC PLC SHS G5960L103 211 2,303 SH   SOLE   1,793 0 510
TRUSTMARK CORP COM 898402102 283 11,543 SH   SOLE   11,543 0 0
PFIZER INC COM 717081103 304 9,285 SH   SOLE   8,536 0 749
ISHARES TR MSCI EAFE ETF 464287465 905 14,871 SH   SOLE   12,047 0 2,824
AMERICAN EXPRESS CO COM 025816109 226 2,378 SH   SOLE   1,185 0 1,193
MEDICAL PPTYS TRUST INC COM 58463J304 197 10,500 SH   SOLE   10,500 0 0
NEXTIER OILFIELD SOLUTIONS COM 65290C105 44 17,812 SH   SOLE   17,812 0 0
SOUTHERN CO COM 842587107 442 8,534 SH   SOLE   8,534 0 0
JPMORGAN CHASE & CO COM 46625H100 369 3,918 SH   SOLE   3,643 0 275
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,773 169,523 SH   SOLE   109,286 0 60,237
INTEL CORP COM 458140100 630 10,526 SH   SOLE   9,639 0 887
AMGEN INC COM 031162100 482 2,043 SH   SOLE   1,496 0 547
UNION PAC CORP COM 907818108 446 2,637 SH   SOLE   2,637 0 0
AMAZON COM INC COM 023135106 905 328 SH   SOLE   310 0 18
UNITEDHEALTH GROUP INC COM 91324P102 394 1,335 SH   SOLE   1,200 0 135
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,581 13,493 SH   SOLE   10,383 0 3,110
CHEVRON CORP NEW COM 166764100 223 2,499 SH   SOLE   2,468 0 31
ILLINOIS TOOL WKS INC COM 452308109 291 1,662 SH   SOLE   1,597 0 65
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,987 145,014 SH   SOLE   136,937 0 8,077
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 390 7,777 SH   SOLE   7,777 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 710 13,799 SH   SOLE   13,799 0 0
MERCK & CO. INC COM 58933Y105 547 7,071 SH   SOLE   5,550 0 1,521
CATERPILLAR INC DEL COM 149123101 223 1,765 SH   SOLE   1,645 0 120
ISHARES TR RUS 1000 VAL ETF 464287598 4,330 38,451 SH   SOLE   0 0 38,451
HOME DEPOT INC COM 437076102 619 2,469 SH   SOLE   2,430 0 39
ISHARES TR RUSSELL 2000 ETF 464287655 2,714 18,954 SH   SOLE   635 0 18,319
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 268 1,501 SH   SOLE   751 0 750
AUBURN NATL BANCORP COM 050473107 244 4,279 SH   SOLE   4,279 0 0
CALLON PETE CO DEL COM 13123X102 12 10,678 SH   SOLE   10,678 0 0
WALMART INC COM 931142103 619 5,171 SH   SOLE   3,841 0 1,330
PROCTER AND GAMBLE CO COM 742718109 551 4,607 SH   SOLE   4,287 0 320
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,513 108,056 SH   SOLE   98,209 0 9,847
ISHARES TR TIPS BD ETF 464287176 926 7,532 SH   SOLE   5,922 0 1,610