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
APPLE INC COM 037833100 2,204 8,669 SH   SOLE NONE 0 0 8,669
ABBVIE INC COM 00287Y109 32 417 SH   SOLE NONE 0 0 417
ABBOTT LABS COM 002824100 21 267 SH   SOLE NONE 0 0 267
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 341 2,091 SH   SOLE NONE 0 0 2,091
AUTOMATIC DATA PROCESSING IN COM 053015103 11 78 SH   SOLE NONE 0 0 78
AMERICAN TOWER CORP NEW COM 03027X100 15 69 SH   SOLE NONE 0 0 69
AMAZON COM INC COM 023135106 58 30 SH   SOLE NONE 0 0 30
AMERICAN EXPRESS CO COM 025816109 9 107 SH   SOLE NONE 0 0 107
BK OF AMERICA CORP COM 060505104 14 655 SH   SOLE NONE 0 0 655
BROOKDALE SR LIVING INC COM 112463104 3 1,099 SH   SOLE NONE 0 0 1,099
BLACKROCK INC COM 09247X101 12 28 SH   SOLE NONE 0 0 28
BRISTOL-MYERS SQUIBB CO COM 110122108 14 250 SH   SOLE NONE 0 0 250
BERKSHIRE HATHAWAY INC DEL CL A 084670108 544 2 SH   SOLE NONE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 23 125 SH   SOLE NONE 0 0 125
COMMUNITY HEALTHCARE TR INC COM 20369C106 10 250 SH   SOLE NONE 0 0 250
CIGNA CORP NEW COM 125523100 36,449 205,717 SH   SOLE NONE 0 0 205,717
CUMMINS INC COM 231021106 271 2,000 SH   SOLE NONE 0 0 2,000
SPDR SER TR S&P KENSHO CLEAN 78468R655 24 643 SH   SOLE NONE 0 0 643
COSTCO WHSL CORP NEW COM 22160K105 17 59 SH   SOLE NONE 0 0 59
CANADIAN PAC RY LTD COM 13645T100 24 110 SH   SOLE NONE 0 0 110
CISCO SYS INC COM 17275R102 18 450 SH   SOLE NONE 0 0 450
CSX CORP COM 126408103 10 168 SH   SOLE NONE 0 0 168
CARVANA CO CL A 146869102 3 58 SH   SOLE NONE 0 0 58
CHEVRON CORP NEW COM 166764100 7 100 SH   SOLE NONE 0 0 100
DOMINION ENERGY INC COM 25746U109 11 150 SH   SOLE NONE 0 0 150
3-D SYS CORP DEL COM NEW 88554D205 2 230 SH   SOLE NONE 0 0 230
DOLLAR GEN CORP NEW COM 256677105 731 4,841 SH   SOLE NONE 0 0 4,841
ISHARES TR CORE DIV GRWTH 46434V621 8,016 245,967 SH   SOLE NONE 0 0 245,967
DISNEY WALT CO COM DISNEY 254687106 39 407 SH   SOLE NONE 0 0 407
WISDOMTREE TR US LARGECAP DIVD 97717W307 146 1,800 SH   SOLE NONE 0 0 1,800
WISDOMTREE TR US MIDCAP DIVID 97717W505 35 1,452 SH   SOLE NONE 0 0 1,452
DARDEN RESTAURANTS INC COM 237194105 48 890 SH   SOLE NONE 0 0 890
DUKE ENERGY CORP NEW COM NEW 26441C204 34 416 SH   SOLE NONE 0 0 416
DXC TECHNOLOGY CO COM 23355L106 0 5 SH   SOLE NONE 0 0 5
CONSOLIDATED EDISON INC COM 209115104 12 150 SH   SOLE NONE 0 0 150
EATON VANCE TX MNG BY WRT OP COM 27828Y108 449 37,252 SH   SOLE NONE 0 0 37,252
EXACT SCIENCES CORP COM 30063P105 3 60 SH   SOLE NONE 0 0 60
FASTENAL CO COM 311900104 188 6,000 SH   SOLE NONE 0 0 6,000
FACTSET RESH SYS INC COM 303075105 21 81 SH   SOLE NONE 0 0 81
FEDEX CORP COM 31428X106 259 2,136 SH   SOLE NONE 0 0 2,136
FIFTH THIRD BANCORP COM 316773100 13 906 SH   SOLE NONE 0 0 906
FRANKLIN FINL NETWORK INC COM 35352P104 22 1,064 SH   SOLE NONE 0 0 1,064
GENERAL ELECTRIC CO COM 369604103 119 14,932 SH   SOLE NONE 0 0 14,932
GILEAD SCIENCES INC COM 375558103 225 3,014 SH   SOLE NONE 0 0 3,014
GENERAL MLS INC COM 370334104 169 3,200 SH   SOLE NONE 0 0 3,200
ALPHABET INC CAP STK CL C 02079K107 12 10 SH   SOLE NONE 0 0 10
ALPHABET INC CAP STK CL A 02079K305 12 10 SH   SOLE NONE 0 0 10
HOME DEPOT INC COM 437076102 662 3,546 SH   SOLE NONE 0 0 3,546
ISHARES TR CORE HIGH DV ETF 46429B663 129 1,799 SH   SOLE NONE 0 0 1,799
HARLEY DAVIDSON INC COM 412822108 16 861 SH   SOLE NONE 0 0 861
HONEYWELL INTL INC COM 438516106 10 75 SH   SOLE NONE 0 0 75
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1 63 SH   SOLE NONE 0 0 63
HP INC COM 40434L105 1 63 SH   SOLE NONE 0 0 63
HEALTHCARE TR AMER INC CL A NEW 42225P501 801 33,005 SH   SOLE NONE 0 0 33,005
ISHARES GOLD TRUST ISHARES 464285105 23 1,521 SH   SOLE NONE 0 0 1,521
ISHARES TR ULTR SH TRM BD 46434V878 10,080 201,801 SH   SOLE NONE 0 0 201,801
ISHARES TR CORE MSCI EAFE 46432F842 4,417 88,540 SH   SOLE NONE 0 0 88,540
ISHARES INC CORE MSCI EMKT 46434G103 2,538 62,708 SH   SOLE NONE 0 0 62,708
ISHARES TR SH TR CRPORT ETF 464288646 467 8,921 SH   SOLE NONE 0 0 8,921
INTEL CORP COM 458140100 39 718 SH   SOLE NONE 0 0 718
ISHARES TR CORE 1 5 YR USD 46432F859 72 1,419 SH   SOLE NONE 0 0 1,419
ISHARES TR CORE S&P US GWT 464287671 3 59 SH   SOLE NONE 0 0 59
ISHARES TR CORE S&P500 ETF 464287200 2,399 9,282 SH   SOLE NONE 0 0 9,282
ISHARES TR RUS 1000 GRW ETF 464287614 166 1,100 SH   SOLE NONE 0 0 1,100
JOHNSON &JOHNSON COM 478160104 590 4,496 SH   SOLE NONE 0 0 4,496
JPMORGAN CHASE &CO COM 46625H100 32 357 SH   SOLE NONE 0 0 357
KRAFT HEINZ CO COM 500754106 9 346 SH   SOLE NONE 0 0 346
KIMBERLY CLARK CORP COM 494368103 26 200 SH   SOLE NONE 0 0 200
CARMAX INC COM 143130102 3 49 SH   SOLE NONE 0 0 49
COCA COLA CO COM 191216100 247 5,572 SH   SOLE NONE 0 0 5,572
LENDINGCLUB CORP COM NEW 52603A208 0 8 SH   SOLE NONE 0 0 8
LINDE PLC SHS G5494J103 111 640 SH   SOLE NONE 0 0 640
LILLY ELI &CO COM 532457108 21 150 SH   SOLE NONE 0 0 150
MACYS INC COM 55616P104 20 4,074 SH   SOLE NONE 0 0 4,074
ISHARES TR MBS ETF 464288588 8,614 77,994 SH   SOLE NONE 0 0 77,994
MCDONALDS CORP COM 580135101 122 735 SH   SOLE NONE 0 0 735
MICROCHIP TECHNOLOGY INC COM 595017104 0 5 SH   SOLE NONE 0 0 5
MONDELEZ INTL INC CL A 609207105 52 1,038 SH   SOLE NONE 0 0 1,038
MICRO FOCUS INTL PLC SPON ADR NEW 594837403 0 6 SH   SOLE NONE 0 0 6
3M CO COM 88579Y101 341 2,500 SH   SOLE NONE 0 0 2,500
ALTRIA GROUP INC COM 02209S103 58 1,500 SH   SOLE NONE 0 0 1,500
MERCK &CO. INC COM 58933Y105 15 200 SH   SOLE NONE 0 0 200
MICROSOFT CORP COM 594918104 530 3,360 SH   SOLE NONE 0 0 3,360
NIKE INC CL B 654106103 270 3,259 SH   SOLE NONE 0 0 3,259
ORACLE CORP COM 68389X105 422 8,738 SH   SOLE NONE 0 0 8,738
OCCIDENTAL PETE CORP COM 674599105 4 360 SH   SOLE NONE 0 0 360
PEPSICO INC COM 713448108 698 5,811 SH   SOLE NONE 0 0 5,811
PFIZER INC COM 717081103 163 4,989 SH   SOLE NONE 0 0 4,989
PRINCIPAL FINL GROUP INC COM 74251V102 3 100 SH   SOLE NONE 0 0 100
PHILIP MORRIS INTL INC COM 718172109 124 1,700 SH   SOLE NONE 0 0 1,700
PINNACLE FINL PARTNERS INC COM 72346Q104 1 36 SH   SOLE NONE 0 0 36
PERSPECTA INC COM 715347100 0 2 SH   SOLE NONE 0 0 2
PAYPAL HLDGS INC COM 70450Y103 23 243 SH   SOLE NONE 0 0 243
STARBUCKS CORP COM 855244109 129 1,966 SH   SOLE NONE 0 0 1,966
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,153 170,190 SH   SOLE NONE 0 0 170,190
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 20 250 SH   SOLE NONE 0 0 250
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 423 10,038 SH   SOLE NONE 0 0 10,038
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4 69 SH   SOLE NONE 0 0 69
ISHARES TR EAFE SML CP ETF 464288273 1,522 33,955 SH   SOLE NONE 0 0 33,955
SPDR SER TR S&P DIVID ETF 78464A763 654 8,192 SH   SOLE NONE 0 0 8,192
ISHARES TR 0-5YR INVT GR CP 46434V100 20,181 402,499 SH   SOLE NONE 0 0 402,499
SOUTHERN CO COM 842587107 28 525 SH   SOLE NONE 0 0 525
ISHARES TR PHLX SEMICND ETF 464287523 373 1,817 SH   SOLE NONE 0 0 1,817
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,840 285,731 SH   SOLE NONE 0 0 285,731
S&P GLOBAL INC COM 78409V104 14 59 SH   SOLE NONE 0 0 59
SPLUNK INC COM 848637104 11 86 SH   SOLE NONE 0 0 86
SPDR S&P 500 ETF TR TR UNIT 78462F103 10 37 SH   SOLE NONE 0 0 37
STRATASYS LTD SHS M85548101 2 135 SH   SOLE NONE 0 0 135
ISHARES TR SHRT NAT MUN ETF 464288158 50 475 SH   SOLE NONE 0 0 475
STRYKER CORP COM 863667101 11 68 SH   SOLE NONE 0 0 68
AT&T INC COM 00206R102 116 3,994 SH   SOLE NONE 0 0 3,994
TRIPADVISOR INC COM 896945201 0 28 SH   SOLE NONE 0 0 28
UNITEDHEALTH GROUP INC COM 91324P102 400 1,604 SH   SOLE NONE 0 0 1,604
UNION PAC CORP COM 907818108 338 2,395 SH   SOLE NONE 0 0 2,395
VISA INC COM CL A 92826C839 14 87 SH   SOLE NONE 0 0 87
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,630 14,118 SH   SOLE NONE 0 0 14,118
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 15 106 SH   SOLE NONE 0 0 106
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 355 8,650 SH   SOLE NONE 0 0 8,650
VIACOMCBS INC CL B 92556H206 10 737 SH   SOLE NONE 0 0 737
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,471 33,573 SH   SOLE NONE 0 0 33,573
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 126 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 366 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD INDEX FDS LARGE CAP ETF 922908637 166 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,346 367,983 SH   SOLE NONE 0 0 367,983
VERIZON COMMUNICATIONS INC COM 92343V104 216 4,028 SH   SOLE NONE 0 0 4,028
WABTEC COM 929740108 2 47 SH   SOLE NONE 0 0 47
WALGREENS BOOTS ALLIANCE INC COM 931427108 181 3,957 SH   SOLE NONE 0 0 3,957
WASTE MGMT INC DEL COM 94106L109 19 200 SH   SOLE NONE 0 0 200
WILLIAMS COS INC COM 969457100 54 3,800 SH   SOLE NONE 0 0 3,800
WALMART INC COM 931142103 11 100 SH   SOLE NONE 0 0 100
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 81 1,799 SH   SOLE NONE 0 0 1,799
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 261 5,896 SH   SOLE NONE 0 0 5,896
SELECT SECTOR SPDR TR ENERGY 81369Y506 95 3,264 SH   SOLE NONE 0 0 3,264
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 308 14,777 SH   SOLE NONE 0 0 14,777
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 237 4,013 SH   SOLE NONE 0 0 4,013
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 609 7,577 SH   SOLE NONE 0 0 7,577
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 191 3,505 SH   SOLE NONE 0 0 3,505
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 102 3,282 SH   SOLE NONE 0 0 3,282
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 83 1,502 SH   SOLE NONE 0 0 1,502
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 267 3,016 SH   SOLE NONE 0 0 3,016
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 252 2,572 SH   SOLE NONE 0 0 2,572
EXXON MOBIL CORP COM 30231G102 133 3,494 SH   SOLE NONE 0 0 3,494
ZIMMER BIOMET HOLDINGS INC COM 98956P102 24 240 SH   SOLE NONE 0 0 240