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
ABBVIE INC COM 00287Y109 228 2,106 SH   SOLE   2,106 0 0
ALPHABET INC CAP STK CL A 02079K305 522 253 SH   SOLE   253 0 0
AMAZON COM INC COM 023135106 645 208 SH   SOLE   190 0 18
AMERICAN EXPRESS CO COM 025816109 336 2,378 SH   SOLE   1,185 0 1,193
AMGEN INC COM 031162100 496 1,993 SH   SOLE   1,438 0 555
APPLE INC COM 037833100 2,242 18,357 SH   SOLE   15,573 0 2,784
AT&T INC COM 00206R102 234 7,726 SH   SOLE   7,726 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 283 1,109 SH   SOLE   359 0 750
CARLISLE COS INC COM 142339100 223 1,355 SH   SOLE   1,355 0 0
CATERPILLAR INC COM 149123101 385 1,662 SH   SOLE   1,542 0 120
CHEVRON CORP NEW COM 166764100 250 2,387 SH   SOLE   2,387 0 0
CISCO SYS INC COM 17275R102 644 12,456 SH   SOLE   9,401 0 3,055
DISNEY WALT CO COM 254687106 233 1,264 SH   SOLE   1,245 0 19
FEDEX CORP COM 31428X106 234 825 SH   SOLE   750 0 75
HOME DEPOT INC COM 437076102 631 2,066 SH   SOLE   2,058 0 8
ILLINOIS TOOL WKS INC COM 452308109 205 927 SH   SOLE   862 0 65
INTEL CORP COM 458140100 656 10,255 SH   SOLE   9,368 0 887
ISHARES TR CORE 1 5 YR USD 46432F859 1,560 30,421 SH   SOLE   30,421 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,790 19,582 SH   SOLE   17,492 0 2,090
ISHARES TR MSCI EAFE ETF 464287465 1,026 13,518 SH   SOLE   10,694 0 2,824
ISHARES TR RUS 1000 GRW ETF 464287614 13,851 56,991 SH   SOLE   2,470 0 54,521
ISHARES TR RUS 1000 VAL ETF 464287598 5,827 38,451 SH   SOLE   0 0 38,451
ISHARES TR RUS MID CAP ETF 464287499 4,150 56,137 SH   SOLE   2,197 0 53,940
ISHARES TR RUSSELL 2000 ETF 464287655 4,133 18,705 SH   SOLE   386 0 18,319
ISHARES TR TIPS BD ETF 464287176 1,415 11,272 SH   SOLE   9,859 0 1,413
JOHNSON & JOHNSON COM 478160104 617 3,752 SH   SOLE   3,030 0 722
JPMORGAN CHASE & CO COM 46625H100 541 3,554 SH   SOLE   3,257 0 297
MARRIOTT INTL INC NEW CL A 571903202 373 2,521 SH   SOLE   1,322 0 1,199
MCDONALDS CORP COM 580135101 273 1,220 SH   SOLE   1,220 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 223 10,500 SH   SOLE   10,500 0 0
MEDTRONIC PLC SHS G5960L103 319 2,698 SH   SOLE   2,188 0 510
MERCK & CO. INC COM 58933Y105 568 7,366 SH   SOLE   5,845 0 1,521
MICROSOFT CORP COM 594918104 1,644 6,973 SH   SOLE   6,513 0 460
NEXTIER OILFIELD SOLUTIONS COM 65290C105 66 17,812 SH   SOLE   17,812 0 0
NVIDIA CORPORATION COM 67066G104 294 550 SH   SOLE   550 0 0
PEPSICO INC COM 713448108 354 2,501 SH   SOLE   2,485 0 16
PFIZER INC COM 717081103 441 12,165 SH   SOLE   11,455 0 710
PROCTER AND GAMBLE CO COM 742718109 2,401 17,728 SH   SOLE   17,558 0 170
QUALCOMM INC COM 747525103 643 4,850 SH   SOLE   2,851 0 1,999
RAYTHEON TECHNOLOGIES CORP COM 75513E101 322 4,168 SH   SOLE   3,384 0 784
REGIONS FINANCIAL CORP NEW COM 7591EP100 448 21,662 SH   SOLE   19,365 0 2,297
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,353 35,959 SH   SOLE   20,319 0 15,640
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 17,053 176,326 SH   SOLE   155,008 0 21,318
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 16,192 222,057 SH   SOLE   157,860 0 64,197
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 426 5,724 SH   SOLE   5,684 0 40
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 695 6,971 SH   SOLE   6,882 0 89
SOUTHERN CO COM 842587107 587 9,438 SH   SOLE   9,397 0 41
TRUSTMARK CORP COM 898402102 693 20,574 SH   SOLE   20,574 0 0
UNION PAC CORP COM 907818108 585 2,655 SH   SOLE   2,655 0 0
UNITEDHEALTH GROUP INC COM 91324P102 512 1,375 SH   SOLE   1,240 0 135
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 342 10,720 SH   SOLE   7,087 0 3,633
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,146 25,105 SH   SOLE   13,404 0 11,701
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 527 10,217 SH   SOLE   10,217 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,430 69,118 SH   SOLE   61,024 0 8,094
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 16,209 196,478 SH   SOLE   183,547 0 12,931
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,913 13,009 SH   SOLE   10,039 0 2,970
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,981 98,735 SH   SOLE   89,281 0 9,454
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,734 20,935 SH   SOLE   18,069 0 2,866
VERIZON COMMUNICATIONS INC COM 92343V104 490 8,422 SH   SOLE   7,480 0 942
VISA INC COM CL A 92826C839 262 1,239 SH   SOLE   1,239 0 0
WALMART INC COM 931142103 697 5,134 SH   SOLE   3,845 0 1,289