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 1,827 14,956 SH   SOLE None 0 0 14,956
ABBVIE INC COM 00287Y109 45 417 SH   SOLE None 0 0 417
ABBOTT LABS COM 002824100 32 267 SH   SOLE None 0 0 267
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 531 1,922 SH   SOLE None 0 0 1,922
AUTOMATIC DATA PROCESSING IN COM 053015103 15 78 SH   SOLE None 0 0 78
AMERICAN TOWER CORP NEW COM 03027X100 16 69 SH   SOLE None 0 0 69
AMAZON COM INC COM 023135106 5,105 1,650 SH   SOLE None 0 0 1,650
AMERICAN EXPRESS CO COM 025816109 15 107 SH   SOLE None 0 0 107
BK OF AMERICA CORP COM 060505104 25 655 SH   SOLE None 0 0 655
BROOKDALE SR LIVING INC COM 112463104 7 1,099 SH   SOLE None 0 0 1,099
BLACKROCK INC COM 09247X101 21 28 SH   SOLE None 0 0 28
BRISTOL-MYERS SQUIBB CO COM 110122108 16 250 SH   SOLE None 0 0 250
BERKSHIRE HATHAWAY INC DEL CL A 084670108 771 2 SH   SOLE None 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 32 125 SH   SOLE None 0 0 125
COMMUNITY HEALTHCARE TR INC COM 20369C106 12 250 SH   SOLE None 0 0 250
CIGNA CORP NEW COM 125523100 54,594 225,836 SH   SOLE None 0 0 225,836
CUMMINS INC COM 231021106 444 1,713 SH   SOLE None 0 0 1,713
SPDR SER TR S&P KENSHO CLEAN 78468R655 139 1,216 SH   SOLE None 0 0 1,216
COSTCO WHSL CORP NEW COM 22160K105 21 59 SH   SOLE None 0 0 59
CANADIAN PAC RY LTD COM 13645T100 42 110 SH   SOLE None 0 0 110
CISCO SYS INC COM 17275R102 23 450 SH   SOLE None 0 0 450
CSX CORP COM 126408103 16 168 SH   SOLE None 0 0 168
CARVANA CO CL A 146869102 19 74 SH   SOLE None 0 0 74
CHEVRON CORP NEW COM 166764100 10 100 SH   SOLE None 0 0 100
DOMINION ENERGY INC COM 25746U109 11 150 SH   SOLE None 0 0 150
ISHARES TR CORE DIV GRWTH 46434V621 28,390 588,149 SH   SOLE None 0 0 588,149
DISNEY WALT CO COM 254687106 75 407 SH   SOLE None 0 0 407
WISDOMTREE TR US LARGECAP DIVD 97717W307 206 1,800 SH   SOLE None 0 0 1,800
WISDOMTREE TR US MIDCAP DIVID 97717W505 59 1,452 SH   SOLE None 0 0 1,452
DUKE ENERGY CORP NEW COM NEW 26441C204 1,585 16,415 SH   SOLE None 0 0 16,415
CONSOLIDATED EDISON INC COM 209115104 11 150 SH   SOLE None 0 0 150
EXACT SCIENCES CORP COM 30063P105 8 60 SH   SOLE None 0 0 60
FASTENAL CO COM 311900104 302 6,000 SH   SOLE None 0 0 6,000
FB FINL CORP COM 30257X104 46 1,026 SH   SOLE None 0 0 1,026
FEDEX CORP COM 31428X106 607 2,136 SH   SOLE None 0 0 2,136
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 11 820 SH   SOLE None 0 0 820
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 4,650 151,225 SH   SOLE None 0 0 151,225
FS KKR CAP CORP II COM 35952V303 1,763 90,262 SH   SOLE None 0 0 90,262
GENERAL ELECTRIC CO COM 369604103 192 14,632 SH   SOLE None 0 0 14,632
GILEAD SCIENCES INC COM 375558103 172 2,664 SH   SOLE None 0 0 2,664
GENERAL MLS INC COM 370334104 196 3,200 SH   SOLE None 0 0 3,200
ALPHABET INC CAP STK CL C 02079K107 6 3 SH   SOLE None 0 0 3
ALPHABET INC CAP STK CL A 02079K305 969 470 SH   SOLE None 0 0 470
HCA HEALTHCARE INC COM 40412C101 28 150 SH   SOLE None 0 0 150
HOME DEPOT INC COM 437076102 1,066 3,491 SH   SOLE None 0 0 3,491
ISHARES TR CORE HIGH DV ETF 46429B663 142 1,500 SH   SOLE None 0 0 1,500
HARLEY DAVIDSON INC COM 412822108 35 861 SH   SOLE None 0 0 861
HONEYWELL INTL INC COM 438516106 16 75 SH   SOLE None 0 0 75
HEALTHCARE TR AMER INC CL A NEW 42225P501 118 4,287 SH   SOLE None 0 0 4,287
ISHARES GOLD TR ISHARES 464285105 17 1,073 SH   SOLE None 0 0 1,073
ISHARES TR BLACKROCK ULTRA 46434V878 10,814 214,059 SH   SOLE None 0 0 214,059
ISHARES TR CORE MSCI EAFE 46432F842 4,028 55,909 SH   SOLE None 0 0 55,909
ISHARES INC CORE MSCI EMKT 46434G103 174 2,710 SH   SOLE None 0 0 2,710
ISHARES TR ISHS 1-5YR INVS 464288646 22,003 402,396 SH   SOLE None 0 0 402,396
ISHARES TR EXPANDED TECH 464287515 93 273 SH   SOLE None 0 0 273
ISHARES TR CORE S&P MCP ETF 464287507 38 145 SH   SOLE None 0 0 145
INTEL CORP COM 458140100 46 718 SH   SOLE None 0 0 718
ISHARES TR CORE S&P US GWT 464287671 936 10,306 SH   SOLE None 0 0 10,306
ISHARES TR CORE S&P500 ETF 464287200 3,272 8,225 SH   SOLE None 0 0 8,225
JOHNSON &JOHNSON COM 478160104 684 4,163 SH   SOLE None 0 0 4,163
JPMORGAN CHASE &CO COM 46625H100 54 357 SH   SOLE None 0 0 357
KRAFT HEINZ CO COM 500754106 14 346 SH   SOLE None 0 0 346
KIMBERLY-CLARK CORP COM 494368103 28 200 SH   SOLE None 0 0 200
CARMAX INC COM 143130102 12 87 SH   SOLE None 0 0 87
COCA COLA CO COM 191216100 294 5,572 SH   SOLE None 0 0 5,572
LINDE PLC SHS G5494J103 179 640 SH   SOLE None 0 0 640
LILLY ELI &CO COM 532457108 28 150 SH   SOLE None 0 0 150
ISHARES TR MBS ETF 464288588 10,690 98,594 SH   SOLE None 0 0 98,594
MCDONALDS CORP COM 580135101 165 735 SH   SOLE None 0 0 735
MONDELEZ INTL INC CL A 609207105 47 808 SH   SOLE None 0 0 808
3M CO COM 88579Y101 482 2,500 SH   SOLE None 0 0 2,500
ALTRIA GROUP INC COM 02209S103 77 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 72 305 SH   SOLE None 0 0 305
NIKE INC CL B 654106103 25 189 SH   SOLE None 0 0 189
ORACLE CORP COM 68389X105 126 1,800 SH   SOLE None 0 0 1,800
OREILLY AUTOMOTIVE INC COM 67103H107 621 1,224 SH   SOLE None 0 0 1,224
OCCIDENTAL PETE CORP COM 674599105 10 360 SH   SOLE None 0 0 360
PEPSICO INC COM 713448108 727 5,142 SH   SOLE None 0 0 5,142
PFIZER INC COM 717081103 181 4,993 SH   SOLE None 0 0 4,993
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 6 100 SH   SOLE None 0 0 100
PHILIP MORRIS INTL INC COM 718172109 151 1,700 SH   SOLE None 0 0 1,700
PINNACLE FINL PARTNERS INC COM 72346Q104 3 36 SH   SOLE None 0 0 36
PAYPAL HLDGS INC COM 70450Y103 59 243 SH   SOLE None 0 0 243
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,490 164,646 SH   SOLE None 0 0 164,646
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 32 250 SH   SOLE None 0 0 250
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 753 10,117 SH   SOLE None 0 0 10,117
ISHARES TR EAFE SML CP ETF 464288273 161 2,242 SH   SOLE None 0 0 2,242
SPDR SER TR S&P DIVID ETF 78464A763 967 8,192 SH   SOLE None 0 0 8,192
SHOPIFY INC CL A 82509L107 332 300 SH   SOLE None 0 0 300
SOUTHERN CO COM 842587107 33 525 SH   SOLE None 0 0 525
ISHARES TR PHLX SEMICND ETF 464287523 770 1,817 SH   SOLE None 0 0 1,817
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,481 268,138 SH   SOLE None 0 0 268,138
S&P GLOBAL INC COM 78409V104 21 59 SH   SOLE None 0 0 59
SPLUNK INC COM 848637104 12 86 SH   SOLE None 0 0 86
ISHARES TR SHRT NAT MUN ETF 464288158 51 475 SH   SOLE None 0 0 475
STRYKER CORPORATION COM 863667101 17 68 SH   SOLE None 0 0 68
AT&T INC COM 00206R102 871 28,760 SH   SOLE None 0 0 28,760
UNITEDHEALTH GROUP INC COM 91324P102 597 1,604 SH   SOLE None 0 0 1,604
UNION PAC CORP COM 907818108 528 2,395 SH   SOLE None 0 0 2,395
VISA INC COM CL A 92826C839 18 87 SH   SOLE None 0 0 87
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,382 6,457 SH   SOLE None 0 0 6,457
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 19 106 SH   SOLE None 0 0 106
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 476 7,850 SH   SOLE None 0 0 7,850
VIACOMCBS INC CL B 92556H206 33 737 SH   SOLE None 0 0 737
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,585 31,173 SH   SOLE None 0 0 31,173
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 195 2,000 SH   SOLE None 0 0 2,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 587 2,840 SH   SOLE None 0 0 2,840
VIATRIS INC COM 92556V106 5 325 SH   SOLE None 0 0 325
VANGUARD INDEX FDS GROWTH ETF 922908736 72 280 SH   SOLE None 0 0 280
VANGUARD INDEX FDS LARGE CAP ETF 922908637 259 1,400 SH   SOLE None 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,923 325,129 SH   SOLE None 0 0 325,129
VERIZON COMMUNICATIONS INC COM 92343V104 234 4,028 SH   SOLE None 0 0 4,028
WALGREENS BOOTS ALLIANCE INC COM 931427108 181 3,296 SH   SOLE None 0 0 3,296
WASTE MGMT INC DEL COM 94106L109 26 200 SH   SOLE None 0 0 200
WILLIAMS COS INC COM 969457100 90 3,800 SH   SOLE None 0 0 3,800
WALMART INC COM 931142103 14 100 SH   SOLE None 0 0 100
SPDR SER TR S&P BIOTECH 78464A870 601 4,431 SH   SOLE None 0 0 4,431
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 112 1,423 SH   SOLE None 0 0 1,423
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,381 18,831 SH   SOLE None 0 0 18,831
SELECT SECTOR SPDR TR ENERGY 81369Y506 92 1,875 SH   SOLE None 0 0 1,875
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 373 10,942 SH   SOLE None 0 0 10,942
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 281 2,854 SH   SOLE None 0 0 2,854
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,274 9,593 SH   SOLE None 0 0 9,593
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 199 2,911 SH   SOLE None 0 0 2,911
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 80 2,036 SH   SOLE None 0 0 2,036
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 66 1,038 SH   SOLE None 0 0 1,038
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 424 3,629 SH   SOLE None 0 0 3,629
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 323 1,923 SH   SOLE None 0 0 1,923
EXXON MOBIL CORP COM 30231G102 169 3,019 SH   SOLE None 0 0 3,019
ZIMMER BIOMET HOLDINGS INC COM 98956P102 38 240 SH   SOLE None 0 0 240