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 2,022 SH   SOLE   2,022 0 0
ALPHABET INC CAP STK CL A 02079K305 652 267 SH   SOLE   267 0 0
ALPHABET INC CAP STK CL C 02079K107 206 82 SH   SOLE   81 0 1
AMAZON COM INC COM 023135106 747 217 SH   SOLE   199 0 18
AMERICAN EXPRESS CO COM 025816109 398 2,408 SH   SOLE   1,215 0 1,193
AMGEN INC COM 031162100 488 2,004 SH   SOLE   1,449 0 555
APPLE INC COM 037833100 2,565 18,728 SH   SOLE   15,944 0 2,784
AT&T INC COM 00206R102 237 8,234 SH   SOLE   7,734 0 500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 308 1,109 SH   SOLE   359 0 750
CARLISLE COS INC COM 142339100 259 1,355 SH   SOLE   1,355 0 0
CATERPILLAR INC COM 149123101 362 1,662 SH   SOLE   1,542 0 120
CHEVRON CORP NEW COM 166764100 243 2,324 SH   SOLE   2,324 0 0
CISCO SYS INC COM 17275R102 654 12,332 SH   SOLE   9,277 0 3,055
DISNEY WALT CO COM 254687106 219 1,248 SH   SOLE   1,229 0 19
FEDEX CORP COM 31428X106 246 825 SH   SOLE   750 0 75
HOME DEPOT INC COM 437076102 659 2,068 SH   SOLE   2,060 0 8
ILLINOIS TOOL WKS INC COM 452308109 207 928 SH   SOLE   863 0 65
INTEL CORP COM 458140100 590 10,516 SH   SOLE   9,379 0 1,137
ISHARES TR CORE 1 5 YR USD 46432F859 1,755 34,215 SH   SOLE   34,215 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,996 18,599 SH   SOLE   16,745 0 1,854
ISHARES TR MSCI EAFE ETF 464287465 983 12,460 SH   SOLE   9,636 0 2,824
ISHARES TR RUS 1000 GRW ETF 464287614 15,589 57,421 SH   SOLE   2,900 0 54,521
ISHARES TR RUS 1000 VAL ETF 464287598 6,198 39,076 SH   SOLE   625 0 38,451
ISHARES TR RUS MID CAP ETF 464287499 4,444 56,085 SH   SOLE   2,145 0 53,940
ISHARES TR RUSSELL 2000 ETF 464287655 4,290 18,705 SH   SOLE   386 0 18,319
ISHARES TR TIPS BD ETF 464287176 1,432 11,190 SH   SOLE   9,777 0 1,413
JOHNSON & JOHNSON COM 478160104 614 3,729 SH   SOLE   3,007 0 722
JPMORGAN CHASE & CO COM 46625H100 491 3,157 SH   SOLE   2,860 0 297
MARRIOTT INTL INC NEW CL A 571903202 344 2,521 SH   SOLE   1,322 0 1,199
MCDONALDS CORP COM 580135101 276 1,193 SH   SOLE   1,193 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 211 10,500 SH   SOLE   10,500 0 0
MEDTRONIC PLC SHS G5960L103 327 2,637 SH   SOLE   2,127 0 510
MERCK & CO INC COM 58933Y105 577 7,421 SH   SOLE   5,900 0 1,521
MICROSOFT CORP COM 594918104 1,835 6,773 SH   SOLE   6,313 0 460
NEXTIER OILFIELD SOLUTIONS COM 65290C105 85 17,812 SH   SOLE   17,812 0 0
NVIDIA CORPORATION COM 67066G104 657 821 SH   SOLE   821 0 0
PEPSICO INC COM 713448108 366 2,473 SH   SOLE   2,457 0 16
PFIZER INC COM 717081103 492 12,556 SH   SOLE   11,346 0 1,210
PROCTER AND GAMBLE CO COM 742718109 2,392 17,728 SH   SOLE   17,558 0 170
QUALCOMM INC COM 747525103 694 4,858 SH   SOLE   2,859 0 1,999
RAYTHEON TECHNOLOGIES CORP COM 75513E101 352 4,129 SH   SOLE   3,345 0 784
REGIONS FINANCIAL CORP NEW COM 7591EP100 437 21,662 SH   SOLE   19,365 0 2,297
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,361 34,498 SH   SOLE   18,858 0 15,640
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,422 186,267 SH   SOLE   164,182 0 22,085
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 18,629 246,350 SH   SOLE   180,833 0 65,517
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 434 5,546 SH   SOLE   5,506 0 40
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 715 6,860 SH   SOLE   6,771 0 89
SOUTHERN CO COM 842587107 602 9,944 SH   SOLE   9,541 0 403
TRUSTMARK CORP COM 898402102 634 20,574 SH   SOLE   20,574 0 0
UNION PAC CORP COM 907818108 588 2,672 SH   SOLE   2,672 0 0
UNITED PARCEL SERVICE INC CL B 911312106 218 1,046 SH   SOLE   1,028 0 18
UNITEDHEALTH GROUP INC COM 91324P102 526 1,314 SH   SOLE   1,179 0 135
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 539 16,387 SH   SOLE   8,372 0 8,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,817 24,947 SH   SOLE   13,262 0 11,685
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 538 10,267 SH   SOLE   10,267 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,622 69,657 SH   SOLE   61,563 0 8,094
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,918 216,641 SH   SOLE   203,134 0 13,507
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,017 13,030 SH   SOLE   10,060 0 2,970
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,060 96,019 SH   SOLE   86,898 0 9,121
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,553 29,185 SH   SOLE   24,865 0 4,320
VANGUARD WORLD FD MEGA GRWTH IND 921910816 221 954 SH   SOLE   899 0 55
VERIZON COMMUNICATIONS INC COM 92343V104 478 8,529 SH   SOLE   7,587 0 942
VISA INC COM CL A 92826C839 308 1,318 SH   SOLE   1,318 0 0
WALMART INC COM 931142103 733 5,199 SH   SOLE   3,890 0 1,309