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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   8,566,131 71,432 SH   SOLE   0 0 71,432
ABBVIE INC COM 00287Y109   18,148,810 112,300 SH   SOLE   0 0 112,300
ALPHABET INC CAP STK CL A 02079K305   4,788,419 54,272 SH   SOLE   0 0 54,272
ALPHABET INC CAP STK CL C 02079K107   11,666,472 131,483 SH   SOLE   0 0 131,483
AMAZON COM INC COM 023135106   21,686,532 258,173 SH   SOLE   0 0 258,173
AMGEN INC COM 031162100   486,672 1,853 SH   SOLE   0 0 1,853
APPLE INC COM 037833100   17,104,202 131,642 SH   SOLE   0 0 131,642
AUTOZONE INC COM 053332102   18,449,493 7,481 SH   SOLE   0 0 7,481
BANK AMERICA CORP COM 060505104   237,311 7,165 SH   SOLE   0 0 7,165
BANK NEW YORK MELLON CORP COM 064058100   22,601,008 496,507 SH   SOLE   0 0 496,507
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,769,685 5,729 SH   SOLE   0 0 5,729
BK OF AMERICA CORP 7.25%CNV PFD L 060505682   1,151,880 993 SH   SOLE   0 0 993
BLACKROCK INC COM 09247X101   879,518 1,241 SH   SOLE   0 0 1,241
BLACKSTONE INC COM 09260D107   557,929 7,520 SH   SOLE   0 0 7,520
BOK FINL CORP COM NEW 05561Q201   1,122,489 10,815 SH   SOLE   0 0 10,815
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   714,031 17,860 SH   SOLE   0 0 17,860
BROWN FORMAN CORP CL B 115637209   16,130,313 245,589 SH   SOLE   0 0 245,589
CHEVRON CORP NEW COM 166764100   1,311,706 7,308 SH   SOLE   0 0 7,308
CISCO SYS INC COM 17275R102   6,653,110 139,654 SH   SOLE   0 0 139,654
CITIGROUP INC COM NEW 172967424   200,686 4,437 SH   SOLE   0 0 4,437
COCA COLA CO COM 191216100   26,121,851 410,656 SH   SOLE   0 0 410,656
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   15,638,720 273,452 SH   SOLE   0 0 273,452
CONOCOPHILLIPS COM 20825C104   423,054 3,585 SH   SOLE   0 0 3,585
CONSTELLATION ENERGY CORP COM 21037T109   534,071 6,195 SH   SOLE   0 0 6,195
COPART INC COM 217204106   15,331,798 251,795 SH   SOLE   0 0 251,795
COSTCO WHSL CORP NEW COM 22160K105   17,243,972 37,774 SH   SOLE   0 0 37,774
DANAHER CORPORATION COM 235851102   465,798 1,755 SH   SOLE   0 0 1,755
DEERE & CO COM 244199105   344,286 803 SH   SOLE   0 0 803
DEVON ENERGY CORP NEW COM 25179M103   239,897 3,900 SH   SOLE   0 0 3,900
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869   1,420,347 86,030 SH   SOLE   0 0 86,030
DISCOVER FINL SVCS COM 254709108   1,366,587 13,969 SH   SOLE   0 0 13,969
DISNEY WALT CO COM 254687106   21,958,159 252,741 SH   SOLE   0 0 252,741
DOLLAR GEN CORP NEW COM 256677105   211,036 857 SH   SOLE   0 0 857
ELECTRONIC ARTS INC COM 285512109   19,263,851 157,668 SH   SOLE   0 0 157,668
ENTERPRISE PRODS PARTNERS L COM 293792107   725,231 30,068 SH   SOLE   0 0 30,068
EXXON MOBIL CORP COM 30231G102   21,872,583 198,301 SH   SOLE   0 0 198,301
F N B CORP COM 302520101   132,636 10,164 SH   SOLE   0 0 10,164
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   5,467,180 114,042 SH   SOLE   0 0 114,042
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   721,431 30,261 SH   SOLE   0 0 30,261
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,292,831 92,416 SH   SOLE   0 0 92,416
GENERAL DYNAMICS CORP COM 369550108   779,562 3,142 SH   SOLE   0 0 3,142
HOME DEPOT INC COM 437076102   17,685,275 55,991 SH   SOLE   0 0 55,991
HONEYWELL INTL INC COM 438516106   6,182,918 28,852 SH   SOLE   0 0 28,852
INTEL CORP COM 458140100   224,470 8,493 SH   SOLE   0 0 8,493
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   214,699 4,341 SH   SOLE   0 0 4,341
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   254,642 3,985 SH   SOLE   0 0 3,985
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   227,957 5,181 SH   SOLE   0 0 5,181
ISHARES GOLD TR ISHARES NEW 464285204   237,806 6,875 SH   SOLE   0 0 6,875
ISHARES INC MSCI EMERG MRKT 464286533   202,383 3,815 SH   SOLE   0 0 3,815
ISHARES INC CORE MSCI EMKT 46434G103   11,102,032 237,731 SH   SOLE   0 0 237,731
ISHARES TR MSCI EAFE ETF 464287465   288,695 4,398 SH   SOLE   0 0 4,398
ISHARES TR CORE S&P MCP ETF 464287507   2,170,089 8,971 SH   SOLE   0 0 8,971
ISHARES TR S&P 500 GRWT ETF 464287309   320,129 5,472 SH   SOLE   0 0 5,472
ISHARES TR CORE US AGGBD ET 464287226   18,904,680 194,914 SH   SOLE   0 0 194,914
ISHARES TR S&P 500 VAL ETF 464287408   242,992 1,675 SH   SOLE   0 0 1,675
ISHARES TR CORE S&P TTL STK 464287150   547,498 6,456 SH   SOLE   0 0 6,456
ISHARES TR RUS MDCP VAL ETF 464287473   215,429 2,045 SH   SOLE   0 0 2,045
ISHARES TR CORE S&P500 ETF 464287200   2,748,866 7,155 SH   SOLE   0 0 7,155
ISHARES TR RUS MID CAP ETF 464287499   227,037 3,366 SH   SOLE   0 0 3,366
ISHARES TR MSCI EAFE MIN VL 46429B689   313,934 4,937 SH   SOLE   0 0 4,937
ISHARES TR EAFE SML CP ETF 464288273   347,926 6,160 SH   SOLE   0 0 6,160
ISHARES TR CORE DIVID ETF 46435U861   471,603 12,573 SH   SOLE   0 0 12,573
ISHARES TR NATIONAL MUN ETF 464288414   4,193,359 39,740 SH   SOLE   0 0 39,740
ISHARES TR CORE MSCI EAFE 46432F842   24,624,994 399,497 SH   SOLE   0 0 399,497
ISHARES TR 0-5 YR TIPS ETF 46429B747   14,646,359 151,056 SH   SOLE   0 0 151,056
ISHARES TR RUS 1000 GRW ETF 464287614   889,488 4,152 SH   SOLE   0 0 4,152
ISHARES TR CORE TOTAL USD 46434V613   3,382,045 75,274 SH   SOLE   0 0 75,274
ISHARES TR RUS 2000 GRW ETF 464287648   274,518 1,280 SH   SOLE   0 0 1,280
ISHARES TR ISHS 1-5YR INVS 464288646   12,700,672 254,931 SH   SOLE   0 0 254,931
ISHARES TR MBS ETF 464288588   20,506,830 221,098 SH   SOLE   0 0 221,098
ISHARES TR CORE S&P SCP ETF 464287804   15,703,060 165,924 SH   SOLE   0 0 165,924
ISHARES TR SHRT NAT MUN ETF 464288158   2,905,347 27,864 SH   SOLE   0 0 27,864
ISHARES TR RUS 1000 ETF 464287622   619,646 2,943 SH   SOLE   0 0 2,943
ISHARES TR ISHS 5-10YR INVT 464288638   8,604,280 173,789 SH   SOLE   0 0 173,789
ISHARES TR RUS 1000 VAL ETF 464287598   578,887 3,817 SH   SOLE   0 0 3,817
ISHARES TR 0-5YR HI YL CP 46434V407   943,619 23,077 SH   SOLE   0 0 23,077
ISHARES TR RUS 2000 VAL ETF 464287630   203,385 1,467 SH   SOLE   0 0 1,467
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   4,578,324 90,597 SH   SOLE   0 0 90,597
J P MORGAN EXCHANGE TRADED F HIGH YLD RESRCH 46641Q878   3,487,633 79,554 SH   SOLE   0 0 79,554
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   1,297,705 26,333 SH   SOLE   0 0 26,333
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   2,525,682 50,829 SH   SOLE   0 0 50,829
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,924,812 217,930 SH   SOLE   0 0 217,930
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   953,601 17,500 SH   SOLE   0 0 17,500
JOHNSON & JOHNSON COM 478160104   5,361,415 30,350 SH   SOLE   0 0 30,350
JPMORGAN CHASE & CO COM 46625H100   29,666,049 221,223 SH   SOLE   0 0 221,223
LILLY ELI & CO COM 532457108   1,352,423 3,697 SH   SOLE   0 0 3,697
LOCKHEED MARTIN CORP COM 539830109   286,543 589 SH   SOLE   0 0 589
LOWES COS INC COM 548661107   1,545,797 7,758 SH   SOLE   0 0 7,758
MASTERCARD INCORPORATED CL A 57636Q104   12,667,149 36,428 SH   SOLE   0 0 36,428
MCKESSON CORP COM 58155Q103   458,322 1,222 SH   SOLE   0 0 1,222
MERCK & CO INC COM 58933Y105   548,839 4,947 SH   SOLE   0 0 4,947
META PLATFORMS INC CL A 30303M102   295,916 2,459 SH   SOLE   0 0 2,459
MICROSOFT CORP COM 594918104   26,854,041 111,976 SH   SOLE   0 0 111,976
NEW YORK CMNTY CAP TR V UNIT 05/07/2051 64944P307   615,128 14,180 SH   SOLE   0 0 14,180
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   271,907 3,879 SH   SOLE   0 0 3,879
NIKE INC CL B 654106103   21,700,704 185,460 SH   SOLE   0 0 185,460
NVIDIA CORPORATION COM 67066G104   238,957 1,635 SH   SOLE   0 0 1,635
PHILIP MORRIS INTL INC COM 718172109   1,047,425 10,349 SH   SOLE   0 0 10,349
PPL CORP COM 69351T106   19,947,297 682,659 SH   SOLE   0 0 682,659
PROCTER AND GAMBLE CO COM 742718109   13,615,254 89,834 SH   SOLE   0 0 89,834
PROSHARES TR ULTRASHRT S&P500 74347G416   322,890 7,024 SH   SOLE   0 0 7,024
QUALCOMM INC COM 747525103   388,532 3,534 SH   SOLE   0 0 3,534
QUEST DIAGNOSTICS INC COM 74834L100   25,964,918 165,974 SH   SOLE   0 0 165,974
RAYTHEON TECHNOLOGIES CORP COM 75513E101   553,668 5,486 SH   SOLE   0 0 5,486
ROYAL BK CDA SUSTAINABL COM 780087102   216,058 2,298 SH   SOLE   0 0 2,298
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,466,550 71,860 SH   SOLE   0 0 71,860
SCHWAB STRATEGIC TR US REIT ETF 808524847   269,731 13,983 SH   SOLE   0 0 13,983
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   13,282,362 269,802 SH   SOLE   0 0 269,802
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,068,342 14,143 SH   SOLE   0 0 14,143
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,536,159 29,661 SH   SOLE   0 0 29,661
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   374,649 2,901 SH   SOLE   0 0 2,901
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   766,522 6,160 SH   SOLE   0 0 6,160
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   6,261,831 183,094 SH   SOLE   0 0 183,094
SELECT SECTOR SPDR TR ENERGY 81369Y506   688,476 7,871 SH   SOLE   0 0 7,871
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   213,149 1,569 SH   SOLE   0 0 1,569
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,026,442 2,684 SH   SOLE   0 0 2,684
SPDR SER TR PORTFOLIO SHORT 78464A474   4,494,529 152,979 SH   SOLE   0 0 152,979
SPDR SER TR BLOOMBERG INVT 78468R200   1,227,807 40,402 SH   SOLE   0 0 40,402
STARBUCKS CORP COM 855244109   23,090,860 232,771 SH   SOLE   0 0 232,771
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,376,806 18,483 SH   SOLE   0 0 18,483
TESLA INC COM 88160R101   273,585 2,221 SH   SOLE   0 0 2,221
THERMO FISHER SCIENTIFIC INC COM 883556102   672,655 1,221 SH   SOLE   0 0 1,221
TRUIST FINL CORP COM 89832Q109   15,254,822 354,516 SH   SOLE   0 0 354,516
UBER TECHNOLOGIES INC COM 90353T100   445,758 18,025 SH   SOLE   0 0 18,025
UNION PAC CORP COM 907818108   19,115,537 92,314 SH   SOLE   0 0 92,314
UNITED PARCEL SERVICE INC CL B 911312106   10,482,851 60,302 SH   SOLE   0 0 60,302
UNITEDHEALTH GROUP INC COM 91324P102   33,845,545 63,838 SH   SOLE   0 0 63,838
VALERO ENERGY CORP COM 91913Y100   265,772 2,095 SH   SOLE   0 0 2,095
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   14,246,908 189,252 SH   SOLE   0 0 189,252
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   985,186 20,106 SH   SOLE   0 0 20,106
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,891,030 79,266 SH   SOLE   0 0 79,266
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,257,080 59,258 SH   SOLE   0 0 59,258
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,761,327 9,212 SH   SOLE   0 0 9,212
VANGUARD INDEX FDS GROWTH ETF 922908736   249,978 1,173 SH   SOLE   0 0 1,173
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,663,592 92,915 SH   SOLE   0 0 92,915
VANGUARD INDEX FDS SM CP VAL ETF 922908611   859,743 5,414 SH   SOLE   0 0 5,414
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,405,930 29,454 SH   SOLE   0 0 29,454
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   705,757 2,009 SH   SOLE   0 0 2,009
VANGUARD INDEX FDS VALUE ETF 922908744   867,487 6,180 SH   SOLE   0 0 6,180
VANGUARD INDEX FDS MID CAP ETF 922908629   551,300 2,705 SH   SOLE   0 0 2,705
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   210,191 1,554 SH   SOLE   0 0 1,554
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   17,812,264 173,254 SH   SOLE   0 0 173,254
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,357,643 240,063 SH   SOLE   0 0 240,063
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   739,453 14,748 SH   SOLE   0 0 14,748
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,463,551 69,985 SH   SOLE   0 0 69,985
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,190,277 122,227 SH   SOLE   0 0 122,227
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   4,224,810 55,803 SH   SOLE   0 0 55,803
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   11,430,699 147,474 SH   SOLE   0 0 147,474
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,096,803 7,223 SH   SOLE   0 0 7,223
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   20,420,136 486,541 SH   SOLE   0 0 486,541
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   431,939 6,203 SH   SOLE   0 0 6,203
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   532,389 6,435 SH   SOLE   0 0 6,435
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   263,429 1,062 SH   SOLE   0 0 1,062
VANGUARD WORLD FDS INF TECH ETF 92204A702   405,331 1,269 SH   SOLE   0 0 1,269
VERIZON COMMUNICATIONS INC COM 92343V104   323,065 8,200 SH   SOLE   0 0 8,200
VISA INC COM CL A 92826C839   8,853,438 42,614 SH   SOLE   0 0 42,614
WALMART INC COM 931142103   540,007 3,809 SH   SOLE   0 0 3,809
WASTE MGMT INC DEL COM 94106L109   21,808,052 139,011 SH   SOLE   0 0 139,011
WELLS FARGO CO NEW PERP PFD CNV A 949746804   15,266,059 12,883 SH   SOLE   0 0 12,883
WISDOMTREE TR US QTLY DIV GRT 97717X669   344,052 5,700 SH   SOLE   0 0 5,700
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   14,565,997 215,028 SH   SOLE   0 0 215,028