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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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   407,639 2,982 SH   SOLE   0 0 2,982
ABBOTT LABS COM 002824100   446,839 3,919 SH   SOLE   0 0 3,919
ABBVIE INC COM 00287Y109   952,970 4,826 SH   SOLE   0 0 4,826
AIR PRODS & CHEMS INC COM 009158106   264,989 890 SH   SOLE   0 0 890
ALPHABET INC CAP STK CL A 02079K305   446,468 2,692 SH   SOLE   0 0 2,692
ALPHABET INC CAP STK CL C 02079K107   1,426,967 8,535 SH   SOLE   0 0 8,535
AMAZON COM INC COM 023135106   3,685,048 19,777 SH   SOLE   0 0 19,777
AMERICAN CENTY ETF TR SUSTAINABLE EQTY 025072752   246,753 3,510 SH   SOLE   0 0 3,510
AMERICAN EXPRESS CO COM 025816109   356,628 1,315 SH   SOLE   0 0 1,315
AMERICAN TOWER CORP NEW COM 03027X100   248,374 1,068 SH   SOLE   0 0 1,068
APPLE INC COM 037833100   10,240,812 43,952 SH   SOLE   0 0 43,952
AT&T INC COM 00206R102   946,250 43,011 SH   SOLE   0 0 43,011
AUTOMATIC DATA PROCESSING IN COM 053015103   314,642 1,137 SH   SOLE   0 0 1,137
AUTOZONE INC COM 053332102   7,928,651 2,517 SH   SOLE   0 0 2,517
BANK AMERICA CORP COM 060505104   1,300,890 32,785 SH   SOLE   0 0 32,785
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,455,900 500 SH   SOLE   0 0 500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   17,412,096 37,831 SH   SOLE   0 0 37,831
BOOKING HOLDINGS INC COM 09857L108   261,151 62 SH   SOLE   0 0 62
BRISTOL-MYERS SQUIBB CO COM 110122108   409,367 7,912 SH   SOLE   0 0 7,912
CSX CORP COM 126408103   238,981 6,921 SH   SOLE   0 0 6,921
CANADIAN PACIFIC KANSAS CITY COM 13646K108   505,199 5,906 SH   SOLE   0 0 5,906
CARMAX INC COM 143130102   254,193 3,285 SH   SOLE   0 0 3,285
SCHWAB CHARLES CORP COM 808513105   816,736 12,602 SH   SOLE   0 0 12,602
CHEVRON CORP NEW COM 166764100   569,248 3,865 SH   SOLE   0 0 3,865
THE CIGNA GROUP COM 125523100   227,611 657 SH   SOLE   0 0 657
CISCO SYS INC COM 17275R102   317,325 5,963 SH   SOLE   0 0 5,963
CNH INDL N V SHS N20944109   821,400 74,000 SH   SOLE   0 0 74,000
COCA COLA CO COM 191216100   1,607,128 22,365 SH   SOLE   0 0 22,365
COMCAST CORP NEW CL A 20030N101   211,064 5,053 SH   SOLE   0 0 5,053
COSTCO WHSL CORP NEW COM 22160K105   1,153,409 1,301 SH   SOLE   0 0 1,301
CREDIT ACCEP CORP MICH COM 225310101   214,615 484 SH   SOLE   0 0 484
CROWN HLDGS INC COM 228368106   430,885 4,494 SH   SOLE   0 0 4,494
CVS HEALTH CORP COM 126650100   245,232 3,900 SH   SOLE   0 0 3,900
DANAHER CORPORATION COM 235851102   327,508 1,178 SH   SOLE   0 0 1,178
DEERE & CO COM 244199105   1,335,456 3,200 SH   SOLE   0 0 3,200
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   892,259 14,345 SH   SOLE   0 0 14,345
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   338,375 5,217 SH   SOLE   0 0 5,217
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   370,402 8,885 SH   SOLE   0 0 8,885
DOMINION ENERGY INC COM 25746U109   313,800 5,430 SH   SOLE   0 0 5,430
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,605,917 13,249 SH   SOLE   0 0 13,249
DUKE ENERGY CORP NEW COM NEW 26441C204   363,772 3,155 SH   SOLE   0 0 3,155
EMERSON ELEC CO COM 291011104   1,361,766 12,451 SH   SOLE   0 0 12,451
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   242,596 15,115 SH   SOLE   0 0 15,115
ENTERGY CORP NEW COM 29364G103   230,318 1,750 SH   SOLE   0 0 1,750
ENTERPRISE PRODS PARTNERS L COM 293792107   445,179 15,293 SH   SOLE   0 0 15,293
EXPEDITORS INTL WASH INC COM 302130109   1,052,514 8,010 SH   SOLE   0 0 8,010
EXXON MOBIL CORP COM 30231G102   2,878,276 24,554 SH   SOLE   0 0 24,554
FASTENAL CO COM 311900104   620,497 8,688 SH   SOLE   0 0 8,688
FEDEX CORP COM 31428X106   2,294,466 8,384 SH   SOLE   0 0 8,384
FIRST HORIZON CORPORATION COM 320517105   308,074 19,837 SH   SOLE   0 0 19,837
GENERAL DYNAMICS CORP COM 369550108   466,295 1,543 SH   SOLE   0 0 1,543
GLOBE LIFE INC COM 37959E102   664,234 6,272 SH   SOLE   0 0 6,272
HARBOR ETF TRUST INTERNATNAL COMP 41151J885   1,126,592 38,942 SH   SOLE   0 0 38,942
HOME DEPOT INC COM 437076102   2,338,409 5,771 SH   SOLE   0 0 5,771
HONEYWELL INTL INC COM 438516106   1,184,448 5,730 SH   SOLE   0 0 5,730
INTERNATIONAL BUSINESS MACHS COM 459200101   1,275,379 5,769 SH   SOLE   0 0 5,769
ISHARES TR IBONDS DEC24 ETF 46434VBG4   15,059,218 597,351 SH   SOLE   0 0 597,351
ISHARES TR IBONDS DEC25 ETF 46434VBD1   15,486,772 617,003 SH   SOLE   0 0 617,003
ISHARES TR IBONDS DEC2026 46435GAA0   15,509,937 638,269 SH   SOLE   0 0 638,269
ISHARES TR IBONDS 27 ETF 46435UAA9   278,184 11,415 SH   SOLE   0 0 11,415
IDEXX LABS INC COM 45168D104   3,958,399 7,835 SH   SOLE   0 0 7,835
ISHARES TR SELECT DIVID ETF 464287168   202,605 1,500 SH   SOLE   0 0 1,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   33,603,103 817,196 SH   SOLE   0 0 817,196
INVESCO QQQ TR UNIT SER 1 46090E103   1,834,930 3,760 SH   SOLE   0 0 3,760
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   632,862 13,315 SH   SOLE   0 0 13,315
ISHARES TR CORE S&P MCP ETF 464287507   726,340 11,655 SH   SOLE   0 0 11,655
ISHARES TR 7-10 YR TRSY BD 464287440   17,700,259 180,394 SH   SOLE   0 0 180,394
ISHARES TR CORE S&P500 ETF 464287200   14,292,446 24,778 SH   SOLE   0 0 24,778
ISHARES TR HDG MSCI EAFE 46434V803   681,339 19,236 SH   SOLE   0 0 19,236
ISHARES TR FLTG RATE NT ETF 46429B655   314,611 6,164 SH   SOLE   0 0 6,164
ISHARES TR GL CLEAN ENE ETF 464288224   156,566 10,658 SH   SOLE   0 0 10,658
ISHARES TR CORE US AGGBD ET 464287226   2,112,087 20,856 SH   SOLE   0 0 20,856
ISHARES TR MORNINGSTAR GRWT 464287119   763,503 9,085 SH   SOLE   0 0 9,085
ISHARES TR MORNINGSTAR VALU 464288109   418,398 5,090 SH   SOLE   0 0 5,090
ISHARES TR MRGSTR MD CP ETF 464288208   749,177 9,855 SH   SOLE   0 0 9,855
ISHARES TR MRGSTR MD CP GRW 464288307   4,356,455 59,702 SH   SOLE   0 0 59,702
ISHARES TR MRGSTR MD CP VAL 464288406   343,041 4,476 SH   SOLE   0 0 4,476
ISHARES TR MSCI EAFE ETF 464287465   1,166,889 13,953 SH   SOLE   0 0 13,953
DBX ETF TR XTRACK MSCI EURP 233051853   1,430,669 33,790 SH   SOLE   0 0 33,790
ISHARES TR RUS 1000 ETF 464287622   447,691 1,424 SH   SOLE   0 0 1,424
ISHARES TR S&P 500 GRWT ETF 464287309   504,315 5,267 SH   SOLE   0 0 5,267
ISHARES TR S&P 500 VAL ETF 464287408   935,769 4,746 SH   SOLE   0 0 4,746
ISHARES TR CORE S&P SCP ETF 464287804   19,444,460 166,249 SH   SOLE   0 0 166,249
JOHNSON & JOHNSON COM 478160104   2,460,922 15,185 SH   SOLE   0 0 15,185
JOHNSON CTLS INTL PLC SHS G51502105   1,358,175 17,500 SH   SOLE   0 0 17,500
JPMORGAN CHASE & CO. COM 46625H100   1,888,884 8,958 SH   SOLE   0 0 8,958
ELI LILLY & CO COM 532457108   1,176,528 1,328 SH   SOLE   0 0 1,328
LOWES COS INC COM 548661107   205,033 757 SH   SOLE   0 0 757
MASTERCARD INCORPORATED CL A 57636Q104   624,657 1,265 SH   SOLE   0 0 1,265
MCDONALDS CORP COM 580135101   444,385 1,459 SH   SOLE   0 0 1,459
MERCK & CO INC COM 58933Y105   745,862 6,568 SH   SOLE   0 0 6,568
META PLATFORMS INC CL A 30303M102   455,662 796 SH   SOLE   0 0 796
MICROSOFT CORP COM 594918104   7,214,841 16,767 SH   SOLE   0 0 16,767
MID-AMER APT CMNTYS INC COM 59522J103   1,172,853 7,381 SH   SOLE   0 0 7,381
MONDELEZ INTL INC CL A 609207105   371,960 5,049 SH   SOLE   0 0 5,049
NEXTERA ENERGY INC COM 65339F101   1,179,115 13,949 SH   SOLE   0 0 13,949
NIKE INC CL B 654106103   228,249 2,582 SH   SOLE   0 0 2,582
NVIDIA CORPORATION COM 67066G104   7,195,490 59,251 SH   SOLE   0 0 59,251
ORACLE CORP COM 68389X105   576,634 3,384 SH   SOLE   0 0 3,384
OREILLY AUTOMOTIVE INC COM 67103H107   571,194 496 SH   SOLE   0 0 496
PACER FDS TR US CASH COWS 100 69374H881   743,694 12,860 SH   SOLE   0 0 12,860
PEPSICO INC COM 713448108   1,284,246 7,552 SH   SOLE   0 0 7,552
PFIZER INC COM 717081103   649,070 22,428 SH   SOLE   0 0 22,428
PHILIP MORRIS INTL INC COM 718172109   287,782 2,371 SH   SOLE   0 0 2,371
PHILLIPS 66 COM 718546104   246,169 1,873 SH   SOLE   0 0 1,873
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   365,404 3,629 SH   SOLE   0 0 3,629
PINNACLE FINL PARTNERS INC COM 72346Q104   864,027 8,819 SH   SOLE   0 0 8,819
PROCTER AND GAMBLE CO COM 742718109   3,397,749 19,617 SH   SOLE   0 0 19,617
PROGRESSIVE CORP COM 743315103   1,495,915 5,895 SH   SOLE   0 0 5,895
PUBLIC STORAGE OPER CO COM 74460D109   625,856 1,720 SH   SOLE   0 0 1,720
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   222,573 3,900 SH   SOLE   0 0 3,900
ROCKWELL AUTOMATION INC COM 773903109   1,040,014 3,874 SH   SOLE   0 0 3,874
ROYAL BK CDA COM 780087102   479,587 3,845 SH   SOLE   0 0 3,845
RTX CORPORATION COM 75513E101   1,218,143 10,054 SH   SOLE   0 0 10,054
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,943,347 3,387 SH   SOLE   0 0 3,387
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   426,106 748 SH   SOLE   0 0 748
SALESFORCE INC COM 79466L302   220,610 806 SH   SOLE   0 0 806
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   22,015,437 841,247 SH   SOLE   0 0 841,247
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   409,620 8,363 SH   SOLE   0 0 8,363
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   2,347,835 56,711 SH   SOLE   0 0 56,711
SPDR SER TR S&P DIVID ETF 78464A763   209,509 1,475 SH   SOLE   0 0 1,475
STEREOTAXIS INC COM NEW 85916J409   38,148 18,700 SH   SOLE   0 0 18,700
TJX COS INC NEW COM 872540109   1,679,882 14,292 SH   SOLE   0 0 14,292
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   2,339,632 59,022 SH   SOLE   0 0 59,022
TEXAS INSTRS INC COM 882508104   296,428 1,435 SH   SOLE   0 0 1,435
BANCORP INC DEL COM 05969A105   280,875 5,250 SH   SOLE   0 0 5,250
SOUTHERN CO COM 842587107   515,482 5,716 SH   SOLE   0 0 5,716
T-MOBILE US INC COM 872590104   231,123 1,120 SH   SOLE   0 0 1,120
TRACTOR SUPPLY CO COM 892356106   1,192,522 4,099 SH   SOLE   0 0 4,099
TRUIST FINL CORP COM 89832Q109   393,158 9,192 SH   SOLE   0 0 9,192
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   514,532 7,735 SH   SOLE   0 0 7,735
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   51,935,031 614,398 SH   SOLE   0 0 614,398
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   34,211,756 328,391 SH   SOLE   0 0 328,391
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   802,326 11,825 SH   SOLE   0 0 11,825
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   22,158,073 275,701 SH   SOLE   0 0 275,701
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   33,004,190 397,210 SH   SOLE   0 0 397,210
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,192,534 23,156 SH   SOLE   0 0 23,156
UNION PAC CORP COM 907818108   1,897,348 7,698 SH   SOLE   0 0 7,698
UNITED PARCEL SERVICE INC CL B 911312106   589,261 4,322 SH   SOLE   0 0 4,322
UNITEDHEALTH GROUP INC COM 91324P102   244,396 418 SH   SOLE   0 0 418
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   34,128,332 352,020 SH   SOLE   0 0 352,020
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   334,523 1,689 SH   SOLE   0 0 1,689
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,990,969 42,067 SH   SOLE   0 0 42,067
VANGUARD WORLD FD FINANCIALS ETF 92204A405   221,293 2,013 SH   SOLE   0 0 2,013
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   348,977 1,237 SH   SOLE   0 0 1,237
VANGUARD WORLD FD MEGA CAP INDEX 921910873   216,972 1,050 SH   SOLE   0 0 1,050
VANGUARD INDEX FDS MID CAP ETF 922908629   264,358 1,002 SH   SOLE   0 0 1,002
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   766,705 1,453 SH   SOLE   0 0 1,453
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,045,883 3,029 SH   SOLE   0 0 3,029
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   903,860 7,546 SH   SOLE   0 0 7,546
VANGUARD INDEX FDS SM CP VAL ETF 922908611   301,170 1,500 SH   SOLE   0 0 1,500
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   263,524 5,155 SH   SOLE   0 0 5,155
VANGUARD STAR FDS VG TL INTL STK F 921909768   478,105 7,385 SH   SOLE   0 0 7,385
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,317,827 4,654 SH   SOLE   0 0 4,654
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   381,042 7,630 SH   SOLE   0 0 7,630
VANGUARD INDEX FDS VALUE ETF 922908744   484,606 2,776 SH   SOLE   0 0 2,776
VERIZON COMMUNICATIONS INC COM 92343V104   638,749 14,223 SH   SOLE   0 0 14,223
VICTORY PORTFOLIOS II SHARES FREE CASH 92647X830   746,919 22,430 SH   SOLE   0 0 22,430
VIRTUS ETF TR II SEIX SR LN ETF 92790A405   407,385 17,117 SH   SOLE   0 0 17,117
VISA INC COM CL A 92826C839   1,543,383 5,613 SH   SOLE   0 0 5,613
WALMART INC COM 931142103   4,025,924 49,857 SH   SOLE   0 0 49,857
WASTE MGMT INC DEL COM 94106L109   278,858 1,343 SH   SOLE   0 0 1,343
WELLS FARGO CO NEW COM 949746101   403,904 7,150 SH   SOLE   0 0 7,150
WESTROCK COFFEE CO COM 96145W103   86,262 13,271 SH   SOLE   0 0 13,271
WEC ENERGY GROUP INC COM 92939U106   320,760 3,335 SH   SOLE   0 0 3,335
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   20,130,825 440,499 SH   SOLE   0 0 440,499