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
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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
3M CO COM 88579Y101 704 4,026 SH   SOLE   4,026 0 0
ABBOTT LABS COM 002824100 394 3,601 SH   SOLE   3,601 0 0
ABBVIE INC COM 00287Y109 465 4,343 SH   SOLE   4,343 0 0
ALPHABET INC CAP STK CL A 02079K305 303 173 SH   SOLE   115 0 58
ALPHABET INC CAP STK CL C 02079K107 764 436 SH   SOLE   393 0 43
AMAZON COM INC COM 023135106 2,352 722 SH   SOLE   699 0 23
APPLE INC COM 037833100 5,847 44,064 SH   SOLE   40,290 0 3,773
ARK ETF TR GENOMIC REV ETF 00214Q302 300 3,219 SH   SOLE   3,219 0 0
ARK ETF TR INNOVATION ETF 00214Q104 413 3,317 SH   SOLE   3,317 0 0
AT&T INC COM 00206R102 1,081 37,585 SH   SOLE   34,371 0 3,214
AUTOZONE INC COM 053332102 1,976 1,667 SH   SOLE   1,667 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,435 700 SH   SOLE   700 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,565 36,940 SH   SOLE   34,370 0 2,570
BRISTOL-MYERS SQUIBB CO COM 110122108 531 8,565 SH   SOLE   8,152 0 413
CARMAX INC COM 143130102 392 4,154 SH   SOLE   3,285 0 869
SCHWAB CHARLES CORP COM 808513105 680 12,813 SH   SOLE   11,542 0 1,271
CHEVRON CORP NEW COM 166764100 341 4,041 SH   SOLE   3,589 0 452
CISCO SYS INC COM 17275R102 263 5,880 SH   SOLE   5,880 0 0
COCA COLA CO COM 191216100 1,139 20,765 SH   SOLE   20,365 0 400
COSTCO WHSL CORP NEW COM 22160K105 358 951 SH   SOLE   951 0 0
CREDIT ACCEP CORP MICH COM 225310101 243 702 SH   SOLE   484 0 218
CVS HEALTH CORP COM 126650100 348 5,100 SH   SOLE   5,100 0 0
DANAHER CORPORATION COM 235851102 271 1,222 SH   SOLE   1,222 0 0
DOMINION ENERGY INC COM 25746U109 393 5,232 SH   SOLE   5,232 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 12,726 41,617 SH   SOLE   38,934 0 2,683
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 472 15,406 SH   SOLE   15,406 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 1,536 24,156 SH   SOLE   24,156 0 0
EXPEDITORS INTL WASH INC COM 302130109 947 9,960 SH   SOLE   9,960 0 0
EXXON MOBIL CORP COM 30231G102 1,123 27,246 SH   SOLE   24,056 0 3,190
FACEBOOK INC CL A 30303M102 405 1,483 SH   SOLE   1,179 0 304
FASTENAL CO COM 311900104 408 8,356 SH   SOLE   8,356 0 0
FEDEX CORP COM 31428X106 1,888 7,273 SH   SOLE   6,844 0 429
FIRST HORIZON CORPORATION COM 320517105 157 12,314 SH   SOLE   10,791 0 1,523
GENERAL DYNAMICS CORP COM 369550108 230 1,543 SH   SOLE   1,543 0 0
GENERAL ELECTRIC CO COM 369604103 189 17,464 SH   SOLE   17,204 0 260
GLOBE LIFE INC COM 37959E102 657 6,920 SH   SOLE   6,920 0 0
HOME DEPOT INC COM 437076102 647 2,436 SH   SOLE   2,078 0 358
INTERNATIONAL BUSINESS MACHS COM 459200101 743 5,901 SH   SOLE   5,901 0 0
IDEXX LABS INC COM 45168D104 4,021 8,045 SH   SOLE   8,045 0 0
INTEL CORP COM 458140100 251 5,042 SH   SOLE   5,042 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,295 480,282 SH   SOLE   455,525 0 24,757
INVESCO QQQ TR UNIT SER 1 46090E103 1,026 3,269 SH   SOLE   3,269 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 385 1,351 SH   SOLE   1,286 0 65
ISHARES TR CORE S&P MCP ETF 464287507 385 1,676 SH   SOLE   1,676 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 513 9,930 SH   SOLE   9,930 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,229 3,273 SH   SOLE   3,273 0 0
ISHARES TR HDG MSCI EAFE 46434V803 709 23,276 SH   SOLE   23,276 0 0
ISHARES TR EAFE GRWTH ETF 464288885 227 2,252 SH   SOLE   2,252 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 595 11,727 SH   SOLE   11,727 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,754 14,843 SH   SOLE   4,422 0 10,421
ISHARES TR MRNGSTR LG-CP GR 464287119 628 2,166 SH   SOLE   2,166 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 286 2,545 SH   SOLE   2,545 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 837 3,574 SH   SOLE   3,574 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 4,957 12,960 SH   SOLE   11,938 0 1,022
ISHARES TR MRGSTR MD CP VAL 464288406 233 1,492 SH   SOLE   1,492 0 0
ISHARES TR MBS ETF 464288588 564 5,125 SH   SOLE   5,125 0 0
ISHARES TR MSCI EAFE ETF 464287465 689 9,446 SH   SOLE   9,446 0 0
DBX ETF TR XTRACK MSCI EURP 233051853 9,581 320,212 SH   SOLE   299,792 0 20,420
ISHARES TR RUS 1000 ETF 464287622 254 1,200 SH   SOLE   1,200 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 301 4,716 SH   SOLE   4,716 0 0
ISHARES TR S&P 500 VAL ETF 464287408 792 6,184 SH   SOLE   6,184 0 0
ISHARES TR CORE S&P SCP ETF 464287804 12,808 139,373 SH   SOLE   133,720 0 5,653
ISHARES TR BLACKROCK ULTRA 46434V878 389 7,700 SH   SOLE   7,700 0 0
JD.COM INC SPON ADR CL A 47215P106 869 9,889 SH   SOLE   9,889 0 0
JOHNSON & JOHNSON COM 478160104 2,152 13,673 SH   SOLE   13,473 0 200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 228 4,480 SH   SOLE   4,480 0 0
JPMORGAN CHASE & CO COM 46625H100 444 3,493 SH   SOLE   2,839 0 654
KANSAS CITY SOUTHERN COM NEW 485170302 277 1,355 SH   SOLE   1,355 0 0
LINCOLN NATL CORP IND COM 534187109 353 7,008 SH   SOLE   7,008 0 0
MASTERCARD INCORPORATED CL A 57636Q104 447 1,253 SH   SOLE   968 0 285
MCDONALDS CORP COM 580135101 341 1,591 SH   SOLE   1,391 0 200
MERCK & CO. INC COM 58933Y105 422 5,153 SH   SOLE   5,153 0 0
MICROSOFT CORP COM 594918104 2,987 13,429 SH   SOLE   13,073 0 356
MID-AMER APT CMNTYS INC COM 59522J103 897 7,081 SH   SOLE   7,081 0 0
MONDELEZ INTL INC CL A 609207105 313 5,356 SH   SOLE   4,856 0 500
NEXTERA ENERGY INC COM 65339F101 901 11,680 SH   SOLE   11,680 0 0
NIKE INC CL B 654106103 345 2,440 SH   SOLE   2,440 0 0
NVIDIA CORPORATION COM 67066G104 436 834 SH   SOLE   550 0 284
ORACLE CORP COM 68389X105 265 4,104 SH   SOLE   4,104 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 215 474 SH   SOLE   474 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 585 3,855 SH   SOLE   3,855 0 0
PEPSICO INC COM 713448108 982 6,622 SH   SOLE   6,622 0 0
PFIZER INC COM 717081103 783 21,272 SH   SOLE   21,272 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,304 12,781 SH   SOLE   12,781 0 0
PINNACLE FINL PARTNERS INC COM 72346Q104 548 8,506 SH   SOLE   1,657 0 6,849
PROCTER AND GAMBLE CO COM 742718109 3,192 22,940 SH   SOLE   22,940 0 0
PROGRESSIVE CORP COM 743315103 1,468 14,850 SH   SOLE   14,850 0 0
PUBLIC STORAGE COM 74460D109 397 1,720 SH   SOLE   1,720 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 208 2,908 SH   SOLE   1,993 0 915
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 364 5,978 SH   SOLE   5,978 0 0
ROYAL BK CDA COM 780087102 316 3,845 SH   SOLE   3,845 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,167 3,120 SH   SOLE   3,120 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 239 568 SH   SOLE   568 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,050 20,434 SH   SOLE   20,284 0 150
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 905 18,356 SH   SOLE   18,356 0 0
SPDR SER TR S&P DIVID ETF 78464A763 306 2,888 SH   SOLE   2,888 0 0
STEREOTAXIS INC COM NEW 85916J409 53 10,460 SH   SOLE   10,460 0 0
TJX COS INC NEW COM 872540109 1,507 22,074 SH   SOLE   22,074 0 0
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 1,315 46,821 SH   SOLE   44,366 0 2,455
TESLA INC COM 88160R101 593 841 SH   SOLE   841 0 0
TEXAS INSTRS INC COM 882508104 238 1,452 SH   SOLE   1,452 0 0
SOUTHERN CO COM 842587107 269 4,385 SH   SOLE   4,135 0 250
TRACTOR SUPPLY CO COM 892356106 575 4,090 SH   SOLE   4,090 0 0
TRUIST FINL CORP COM 89832Q109 695 14,493 SH   SOLE   9,961 0 4,532
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 469 5,150 SH   SOLE   5,150 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 29,022 452,475 SH   SOLE   428,332 0 24,143
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,000 171,323 SH   SOLE   161,871 0 9,452
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 846 9,303 SH   SOLE   9,303 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,952 251,170 SH   SOLE   236,114 0 15,056
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 21,510 315,492 SH   SOLE   302,842 0 12,649
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,590 29,096 SH   SOLE   24,882 0 4,214
UNION PAC CORP COM 907818108 1,392 6,683 SH   SOLE   6,683 0 0
UNITED PARCEL SERVICE INC CL B 911312106 563 3,343 SH   SOLE   3,343 0 0
UNITEDHEALTH GROUP INC COM 91324P102 222 632 SH   SOLE   385 0 247
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 1,752 28,265 SH   SOLE   27,005 0 1,260
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 228 1,617 SH   SOLE   1,504 0 113
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9,356 155,319 SH   SOLE   145,424 0 9,895
VANGUARD INDEX FDS MID CAP ETF 922908629 369 1,785 SH   SOLE   1,785 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 421 7,781 SH   SOLE   7,781 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 346 4,079 SH   SOLE   4,079 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 734 3,192 SH   SOLE   0 0 3,192
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 807 4,103 SH   SOLE   11 0 4,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 222 1,563 SH   SOLE   1,563 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 629 10,451 SH   SOLE   10,150 0 301
VANGUARD INDEX FDS TOTAL STK MKT 922908769 828 4,253 SH   SOLE   4,253 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 275 2,313 SH   SOLE   974 0 1,339
VERIZON COMMUNICATIONS INC COM 92343V104 844 14,366 SH   SOLE   13,666 0 700
VISA INC COM CL A 92826C839 1,313 6,004 SH   SOLE   5,808 0 196
WALGREENS BOOTS ALLIANCE INC COM 931427108 274 6,881 SH   SOLE   6,177 0 704
WALMART INC COM 931142103 2,781 19,295 SH   SOLE   19,095 0 200
DISNEY WALT CO COM 254687106 441 2,435 SH   SOLE   562 0 1,873
WELLS FARGO CO NEW COM 949746101 406 13,467 SH   SOLE   10,920 0 2,547
WEC ENERGY GROUP INC COM 92939U106 307 3,335 SH   SOLE   3,335 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 13,676 347,811 SH   SOLE   331,257 0 16,554