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 305 1,992 SH   SOLE   1,960 0 32
ALPHABET INC CAP STK CL A 02079K305 665 305 SH   SOLE   305 0 0
ALPHABET INC CAP STK CL C 02079K107 308 141 SH   SOLE   140 0 1
AMAZON COM INC COM 023135106 803 7,557 SH   SOLE   7,217 0 340
AMERICAN EXPRESS CO COM 025816109 331 2,387 SH   SOLE   1,194 0 1,193
AMGEN INC COM 031162100 493 2,027 SH   SOLE   1,480 0 547
APPLE INC COM 037833100 3,070 22,457 SH   SOLE   19,649 0 2,808
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 316 1,159 SH   SOLE   409 0 750
CARLISLE COS INC COM 142339100 323 1,355 SH   SOLE   1,355 0 0
CATERPILLAR INC COM 149123101 298 1,667 SH   SOLE   1,547 0 120
CHEVRON CORP NEW COM 166764100 282 1,945 SH   SOLE   1,945 0 0
CISCO SYS INC COM 17275R102 526 12,334 SH   SOLE   9,279 0 3,055
COCA COLA CO COM 191216100 203 3,234 SH   SOLE   2,483 0 751
EXXON MOBIL CORP COM 30231G102 252 2,940 SH   SOLE   2,940 0 0
FEDEX CORP COM 31428X106 221 975 SH   SOLE   900 0 75
HOME DEPOT INC COM 437076102 643 2,344 SH   SOLE   2,344 0 0
INTEL CORP COM 458140100 379 10,142 SH   SOLE   9,005 0 1,137
ISHARES INC CORE MSCI EMKT 46434G103 692 14,098 SH   SOLE   13,858 0 240
ISHARES TR 1 3 YR TREAS BD 464287457 642 7,751 SH   SOLE   7,751 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 496 9,910 SH   SOLE   9,910 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 3,292 69,453 SH   SOLE   65,559 0 3,894
ISHARES TR CORE S&P SCP ETF 464287804 1,291 13,971 SH   SOLE   9,989 0 3,982
ISHARES TR CORE S&P500 ETF 464287200 6,008 15,847 SH   SOLE   14,542 0 1,305
ISHARES TR ISHS 1-5YR INVS 464288646 405 8,021 SH   SOLE   8,021 0 0
ISHARES TR MORNINGSTAR GRWT 464287119 3,142 62,721 SH   SOLE   57,980 0 4,741
ISHARES TR MRGSTR MD CP ETF 464288208 2,621 46,508 SH   SOLE   36,098 0 10,410
ISHARES TR MSCI EAFE ETF 464287465 1,039 16,622 SH   SOLE   13,798 0 2,824
ISHARES TR NATIONAL MUN ETF 464288414 687 6,455 SH   SOLE   6,455 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 11,646 53,250 SH   SOLE   3,028 0 50,222
ISHARES TR RUS 1000 VAL ETF 464287598 5,665 39,076 SH   SOLE   625 0 38,451
ISHARES TR RUS MID CAP ETF 464287499 3,702 57,256 SH   SOLE   2,746 0 54,510
ISHARES TR RUSSELL 2000 ETF 464287655 3,196 18,872 SH   SOLE   553 0 18,319
ISHARES TR SHRT NAT MUN ETF 464288158 1,924 18,381 SH   SOLE   15,991 0 2,390
ISHARES TR TIPS BD ETF 464287176 565 4,960 SH   SOLE   4,482 0 478
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 11,971 238,991 SH   SOLE   211,773 0 27,218
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 10,246 202,291 SH   SOLE   167,839 0 34,452
JOHNSON & JOHNSON COM 478160104 721 4,064 SH   SOLE   3,320 0 744
JPMORGAN CHASE & CO COM 46625H100 459 4,072 SH   SOLE   3,768 0 304
LILLY ELI & CO COM 532457108 244 754 SH   SOLE   754 0 0
MARRIOTT INTL INC NEW CL A 571903202 340 2,498 SH   SOLE   1,323 0 1,175
MCDONALDS CORP COM 580135101 295 1,193 SH   SOLE   1,193 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 179 11,733 SH   SOLE   11,733 0 0
MEDTRONIC PLC SHS G5960L103 205 2,286 SH   SOLE   1,776 0 510
MERCK & CO INC COM 58933Y105 682 7,478 SH   SOLE   5,957 0 1,521
MICROSOFT CORP COM 594918104 1,953 7,606 SH   SOLE   7,178 0 428
NEXTIER OILFIELD SOLUTIONS COM 65290C105 169 17,812 SH   SOLE   17,812 0 0
NVIDIA CORPORATION COM 67066G104 672 4,431 SH   SOLE   4,400 0 31
PEPSICO INC COM 713448108 511 3,066 SH   SOLE   3,039 0 27
PFIZER INC COM 717081103 681 12,991 SH   SOLE   11,699 0 1,292
PROCTER AND GAMBLE CO COM 742718109 2,323 16,154 SH   SOLE   15,984 0 170
QUALCOMM INC COM 747525103 621 4,865 SH   SOLE   2,866 0 1,999
RAYTHEON TECHNOLOGIES CORP COM 75513E101 446 4,639 SH   SOLE   3,855 0 784
REGIONS FINANCIAL CORP NEW COM 7591EP100 394 21,011 SH   SOLE   18,714 0 2,297
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 610 24,051 SH   SOLE   3,924 0 20,127
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,234 71,045 SH   SOLE   47,204 0 23,841
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,955 361,064 SH   SOLE   319,841 0 41,223
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 29,002 404,888 SH   SOLE   328,133 0 76,755
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 248 4,274 SH   SOLE   4,274 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 976 15,556 SH   SOLE   15,495 0 61
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,489 38,177 SH   SOLE   37,957 0 220
SERVISFIRST BANCSHARES INC COM 81768T108 1,009 12,783 SH   SOLE   12,783 0 0
SOUTHERN CO COM 842587107 699 9,796 SH   SOLE   9,434 0 362
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,235 35,525 SH   SOLE   21,133 0 14,392
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,159 22,174 SH   SOLE   22,174 0 0
TRUSTMARK CORP COM 898402102 591 20,244 SH   SOLE   20,244 0 0
UNION PAC CORP COM 907818108 570 2,675 SH   SOLE   2,675 0 0
UNITED PARCEL SERVICE INC CL B 911312106 239 1,309 SH   SOLE   1,288 0 21
UNITEDHEALTH GROUP INC COM 91324P102 845 1,646 SH   SOLE   1,502 0 144
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 608 22,499 SH   SOLE   16,772 0 5,727
VANGUARD INDEX FDS GROWTH ETF 922908736 865 3,881 SH   SOLE   3,806 0 75
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,625 21,983 SH   SOLE   10,595 0 11,388
VANGUARD INDEX FDS TOTAL STK MKT 922908769 515 2,728 SH   SOLE   2,728 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 372 7,425 SH   SOLE   7,135 0 290
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,812 22,645 SH   SOLE   20,627 0 2,018
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 29,841 391,308 SH   SOLE   364,084 0 27,224
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,271 15,831 SH   SOLE   11,992 0 3,839
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 624 15,287 SH   SOLE   15,287 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,374 92,169 SH   SOLE   83,451 0 8,718
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 6,469 94,289 SH   SOLE   84,732 0 9,557
VANGUARD WORLD FD MEGA GRWTH IND 921910816 236 1,296 SH   SOLE   1,296 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 477 9,405 SH   SOLE   8,409 0 996
VISA INC COM CL A 92826C839 361 1,833 SH   SOLE   1,817 0 16
WALMART INC COM 931142103 689 5,667 SH   SOLE   4,333 0 1,334