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 35,434 267,047 SH   OTR 1 0 0 267,047
ABBVIE INC COM 00287Y109 2,677 24,987 SH   OTR 1 0 0 24,987
ABBOTT LABS COM 002824100 3,365 30,737 SH   OTR 1 0 0 30,737
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 713 2,731 SH   OTR 1 0 0 2,731
AUTOMATIC DATA PROCESSING IN COM 053015103 374 2,124 SH   OTR 1 0 0 2,124
AFLAC INC COM 001055102 291 6,545 SH   OTR 1 0 0 6,545
ISHARES TR CORE US AGGBD ET 464287226 210 1,779 SH   OTR 1 0 0 1,779
AMGEN INC COM 031162100 478 2,079 SH   OTR 1 0 0 2,079
AMAZON COM INC COM 023135106 4,237 1,301 SH   OTR 1 0 0 1,301
ASML HOLDING N V N Y REGISTRY SHS N07059210 414 848 SH   OTR 1 0 0 848
ACTIVISION BLIZZARD INC COM 00507V109 438 4,720 SH   OTR 1 0 0 4,720
AMERICAN EXPRESS CO COM 025816109 1,897 15,693 SH   OTR 1 0 0 15,693
BOEING CO COM 097023105 343 1,603 SH   OTR 1 0 0 1,603
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 992 4,261 SH   OTR 1 0 0 4,261
BK OF AMERICA CORP COM 060505104 267 8,817 SH   OTR 1 0 0 8,817
BAXTER INTL INC COM 071813109 415 5,178 SH   OTR 1 0 0 5,178
BLACKROCK INC COM 09247X101 3,488 4,834 SH   OTR 1 0 0 4,834
BRISTOL-MYERS SQUIBB CO COM 110122108 2,411 38,873 SH   OTR 1 0 0 38,873
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,462 27,870 SH   OTR 1 0 0 27,870
CATERPILLAR INC COM 149123101 386 2,118 SH   OTR 1 0 0 2,118
CHUBB LIMITED COM H1467J104 392 2,545 SH   OTR 1 0 0 2,545
COLGATE PALMOLIVE CO COM 194162103 459 5,364 SH   OTR 1 0 0 5,364
COMCAST CORP NEW CL A 20030N101 1,197 22,839 SH   OTR 1 0 0 22,839
COSTCO WHSL CORP NEW COM 22160K105 787 2,089 SH   OTR 1 0 0 2,089
CISCO SYS INC COM 17275R102 3,148 70,349 SH   OTR 1 0 0 70,349
CINTAS CORP COM 172908105 782 2,212 SH   OTR 1 0 0 2,212
CVS HEALTH CORP COM 126650100 295 4,324 SH   OTR 1 0 0 4,324
CHEVRON CORP NEW COM 166764100 4,750 56,250 SH   OTR 1 0 0 56,250
DOMINION ENERGY INC COM 25746U109 639 8,504 SH   OTR 1 0 0 8,504
DIAGEO PLC SPON ADR NEW 25243Q205 1,893 11,919 SH   OTR 1 0 0 11,919
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,711 5,595 SH   OTR 1 0 0 5,595
DISNEY WALT CO COM 254687106 5,564 30,708 SH   OTR 1 0 0 30,708
DOCUSIGN INC COM 256163106 2,109 9,486 SH   OTR 1 0 0 9,486
DUKE ENERGY CORP NEW COM NEW 26441C204 208 2,268 SH   OTR 1 0 0 2,268
EMERSON ELEC CO COM 291011104 489 6,089 SH   OTR 1 0 0 6,089
EATON CORP PLC SHS G29183103 2,077 17,292 SH   OTR 1 0 0 17,292
EXACT SCIENCES CORP COM 30063P105 579 4,368 SH   OTR 1 0 0 4,368
FACEBOOK INC CL A 30303M102 8,013 29,336 SH   OTR 1 0 0 29,336
FIRST HORIZON CORPORATION COM 320517105 1,309 102,552 SH   OTR 1 0 0 102,552
FISERV INC COM 337738108 600 5,272 SH   OTR 1 0 0 5,272
GENERAL DYNAMICS CORP COM 369550108 3,138 21,088 SH   OTR 1 0 0 21,088
GENERAL MLS INC COM 370334104 437 7,427 SH   OTR 1 0 0 7,427
ALPHABET INC CAP STK CL C 02079K107 7,990 4,561 SH   OTR 1 0 0 4,561
ALPHABET INC CAP STK CL A 02079K305 2,447 1,396 SH   OTR 1 0 0 1,396
HOME DEPOT INC COM 437076102 5,374 20,232 SH   OTR 1 0 0 20,232
HONEYWELL INTL INC COM 438516106 776 3,647 SH   OTR 1 0 0 3,647
INTERNATIONAL BUSINESS MACHS COM 459200101 589 4,681 SH   OTR 1 0 0 4,681
ISHARES TR CORE MSCI EAFE 46432F842 12,513 181,112 SH   OTR 1 0 0 181,112
INFOSYS LTD SPONSORED ADR 456788108 280 16,497 SH   OTR 1 0 0 16,497
INTEL CORP COM 458140100 3,838 77,029 SH   OTR 1 0 0 77,029
INTUITIVE SURGICAL INC COM NEW 46120E602 272 333 SH   OTR 1 0 0 333
ILLINOIS TOOL WKS INC COM 452308109 346 1,696 SH   OTR 1 0 0 1,696
JD.COM INC SPON ADR CL A 47215P106 2,519 28,654 SH   OTR 1 0 0 28,654
JOHNSON & JOHNSON COM 478160104 13,770 87,496 SH   OTR 1 0 0 87,496
JPMORGAN CHASE & CO COM 46625H100 6,796 53,484 SH   OTR 1 0 0 53,484
KRAFT HEINZ CO COM 500754106 223 6,448 SH   OTR 1 0 0 6,448
COCA COLA CO COM 191216100 1,747 31,851 SH   OTR 1 0 0 31,851
L BRANDS INC COM 501797104 440 11,825 SH   OTR 1 0 0 11,825
LINDE PLC SHS G5494J103 508 1,928 SH   OTR 1 0 0 1,928
LILLY ELI & CO COM 532457108 697 4,125 SH   OTR 1 0 0 4,125
LOCKHEED MARTIN CORP COM 539830109 805 2,268 SH   OTR 1 0 0 2,268
LOWES COS INC COM 548661107 237 1,475 SH   OTR 1 0 0 1,475
LAM RESEARCH CORP COM 512807108 1,035 2,191 SH   OTR 1 0 0 2,191
MASTERCARD INCORPORATED CL A 57636Q104 245 686 SH   OTR 1 0 0 686
MCDONALDS CORP COM 580135101 3,101 14,452 SH   OTR 1 0 0 14,452
MONDELEZ INTL INC CL A 609207105 1,504 25,730 SH   OTR 1 0 0 25,730
3M CO COM 88579Y101 402 2,301 SH   OTR 1 0 0 2,301
ALTRIA GROUP INC COM 02209S103 3,999 97,532 SH   OTR 1 0 0 97,532
MERCK & CO. INC COM 58933Y105 828 10,122 SH   OTR 1 0 0 10,122
MICROSOFT CORP COM 594918104 11,225 50,466 SH   OTR 1 0 0 50,466
NETFLIX INC COM 64110L106 1,151 2,128 SH   OTR 1 0 0 2,128
NIKE INC CL B 654106103 4,519 31,946 SH   OTR 1 0 0 31,946
NORFOLK SOUTHN CORP COM 655844108 272 1,145 SH   OTR 1 0 0 1,145
NVIDIA CORPORATION COM 67066G104 242 463 SH   OTR 1 0 0 463
NOVO-NORDISK A S ADR 670100205 270 3,871 SH   OTR 1 0 0 3,871
NOVARTIS AG SPONSORED ADR 66987V109 244 2,588 SH   OTR 1 0 0 2,588
ORACLE CORP COM 68389X105 4,408 68,141 SH   OTR 1 0 0 68,141
PEPSICO INC COM 713448108 5,437 36,665 SH   OTR 1 0 0 36,665
PFIZER INC COM 717081103 3,632 98,671 SH   OTR 1 0 0 98,671
PROCTER AND GAMBLE CO COM 742718109 4,629 33,266 SH   OTR 1 0 0 33,266
PHILIP MORRIS INTL INC COM 718172109 3,772 45,558 SH   OTR 1 0 0 45,558
PELOTON INTERACTIVE INC CL A COM 70614W100 1,752 11,546 SH   OTR 1 0 0 11,546
QUALCOMM INC COM 747525103 266 1,746 SH   OTR 1 0 0 1,746
ROYAL BK CDA COM 780087102 255 3,108 SH   OTR 1 0 0 3,108
STARBUCKS CORP COM 855244109 7,359 68,792 SH   OTR 1 0 0 68,792
SCHWAB CHARLES CORP COM 808513105 1,256 23,674 SH   OTR 1 0 0 23,674
ISHARES TR 0-5YR HI YL CP 46434V407 1,177 25,909 SH   OTR 1 0 0 25,909
SMUCKER J M CO COM NEW 832696405 260 2,245 SH   OTR 1 0 0 2,245
SOUTHERN CO COM 842587107 832 13,539 SH   OTR 1 0 0 13,539
SQUARE INC CL A 852234103 225 1,036 SH   OTR 1 0 0 1,036
SYSCO CORP COM 871829107 1,393 18,752 SH   OTR 1 0 0 18,752
AT&T INC COM 00206R102 3,214 111,760 SH   OTR 1 0 0 111,760
THERMO FISHER SCIENTIFIC INC COM 883556102 450 967 SH   OTR 1 0 0 967
TOTAL SE SPONSORED ADS 89151E109 223 5,331 SH   OTR 1 0 0 5,331
TRAVELERS COMPANIES INC COM 89417E109 201 1,435 SH   OTR 1 0 0 1,435
TESLA INC COM 88160R101 311 441 SH   OTR 1 0 0 441
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 644 5,905 SH   OTR 1 0 0 5,905
TEXAS INSTRS INC COM 882508104 712 4,338 SH   OTR 1 0 0 4,338
UNITEDHEALTH GROUP INC COM 91324P102 1,842 5,253 SH   OTR 1 0 0 5,253
UNION PAC CORP COM 907818108 224 1,078 SH   OTR 1 0 0 1,078
UNITED PARCEL SERVICE INC CL B 911312106 283 1,681 SH   OTR 1 0 0 1,681
VISA INC COM CL A 92826C839 2,556 11,688 SH   OTR 1 0 0 11,688
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 80,234 568,354 SH   OTR 1 0 0 568,354
VIATRIS INC COM 92556V106 225 12,013 SH   OTR 1 0 0 12,013
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,454 168,714 SH   OTR 1 0 0 168,714
VERIZON COMMUNICATIONS INC COM 92343V104 2,846 48,435 SH   OTR 1 0 0 48,435
WELLS FARGO CO NEW COM 949746101 382 12,648 SH   OTR 1 0 0 12,648
WASTE MGMT INC DEL COM 94106L109 330 2,796 SH   OTR 1 0 0 2,796
WALMART INC COM 931142103 2,462 17,080 SH   OTR 1 0 0 17,080
EXXON MOBIL CORP COM 30231G102 1,655 40,149 SH   OTR 1 0 0 40,149
ZIMMER BIOMET HOLDINGS INC COM 98956P102 380 2,468 SH   OTR 1 0 0 2,468
ZOETIS INC CL A 98978V103 639 3,862 SH   OTR 1 0 0 3,862
ALTERYX INC COM CL A 02156B103 1,058 8,690 SH   SOLE   0 0 8,690
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 8,263 246,662 SH   SOLE   0 0 246,662
CORPORACION AMER ARPTS S A COM L1995B107 98 24,500 SH   SOLE   0 0 24,500
ISHARES TR ESG AWARE MSCI 46435U663 268 7,850 SH   SOLE   0 0 7,850
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 435 70,400 SH   SOLE   0 0 70,400
NATIONAL BEVERAGE CORP COM 635017106 934 11,006 SH   SOLE   0 0 11,006
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 364 11,416 SH   SOLE   0 0 11,416
ISHARES TR IBONDS DEC21 ETF 46434VBK5 841 33,750 SH   SOLE   0 0 33,750
ISHARES TR IBONDS DEC22 ETF 46434VBA7 678 26,500 SH   SOLE   0 0 26,500
ISHARES TR IBONDS DEC23 ETF 46434VAX8 1,103 42,000 SH   SOLE   0 0 42,000
ISHARES TR IBONDS DEC24 ETF 46434VBG4 970 36,500 SH   SOLE   0 0 36,500
ISHARES TR IBONDS DEC25 ETF 46434VBD1 1,055 38,550 SH   SOLE   0 0 38,550
ISHARES TR IBONDS DEC2026 46435GAA0 992 36,600 SH   SOLE   0 0 36,600
ISHARES TR IBONDS 27 ETF 46435UAA9 1,123 40,750 SH   SOLE   0 0 40,750
ISHARES TR IBDS DEC28 ETF 46435U515 709 24,000 SH   SOLE   0 0 24,000
ISHARES INC CORE MSCI EMKT 46434G103 7,670 123,626 SH   SOLE   0 0 123,626
ISHARES TR S&P MC 400VL ETF 464287705 1,883 21,825 SH   SOLE   0 0 21,825
ISHARES TR SP SMCP600VL ETF 464287879 5,482 67,427 SH   SOLE   0 0 67,427
ISHARES TR CORE S&P TTL STK 464287150 20,752 240,686 SH   SOLE   0 0 240,686
ISHARES TR CORE S&P US GWT 464287671 1,323 14,922 SH   SOLE   0 0 14,922
ISHARES TR MSCI INTL VLU FT 46435G409 513 22,540 SH   SOLE   0 0 22,540
ISHARES TR CORE S&P500 ETF 464287200 1,654 4,405 SH   SOLE   0 0 4,405
ISHARES TR RUSSELL 3000 ETF 464287689 782 3,500 SH   SOLE   0 0 3,500
ISHARES TR CORE MSCI TOTAL 46432F834 848 12,621 SH   SOLE   0 0 12,621
ISHARES TR U.S. TECH ETF 464287721 254 2,988 SH   SOLE   0 0 2,988
LIONS GATE ENTMNT CORP CL A VTG 535919401 228 20,077 SH   SOLE   0 0 20,077
MERCADOLIBRE INC COM 58733R102 712 425 SH   SOLE   0 0 425
VANGUARD WORLD FD MEGA CAP INDEX 921910873 4,080 30,575 SH   SOLE   0 0 30,575
ISHARES TR MSCI USA MMENTM 46432F396 217 1,345 SH   SOLE   0 0 1,345
NAVISTAR INTL CORP NEW COM 63934E108 484 11,005 SH   SOLE   0 0 11,005
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 216 7,175 SH   SOLE   0 0 7,175
NUVEEN MUN VALUE FD INC COM 670928100 128 11,500 SH   SOLE   0 0 11,500
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 660 40,947 SH   SOLE   0 0 40,947
PENN NATL GAMING INC COM 707569109 1,112 12,878 SH   SOLE   0 0 12,878
ROCKET COS INC COM CL A 77311W101 206 10,200 SH   SOLE   0 0 10,200
ISHARES TR EAFE SML CP ETF 464288273 270 3,945 SH   SOLE   0 0 3,945
SIRIUS XM HOLDINGS INC COM 82968B103 64 10,000 SH   SOLE   0 0 10,000
ISHARES TR 0-5YR INVT GR CP 46434V100 4,105 78,615 SH   SOLE   0 0 78,615
TURNING PT BRANDS INC COM 90041L105 345 7,742 SH   SOLE   0 0 7,742
VANGUARD INDEX FDS SMALL CP ETF 922908751 358 1,840 SH   SOLE   0 0 1,840
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,780 26,581 SH   SOLE   0 0 26,581
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,089 62,679 SH   SOLE   0 0 62,679
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,676 20,131 SH   SOLE   0 0 20,131
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,006 171,455 SH   SOLE   0 0 171,455
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 21,544 264,702 SH   SOLE   0 0 264,702
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 890 6,335 SH   SOLE   0 0 6,335
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,525 17,956 SH   SOLE   0 0 17,956
VANGUARD INDEX FDS MID CAP ETF 922908629 496 2,399 SH   SOLE   0 0 2,399
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,675 30,895 SH   SOLE   0 0 30,895
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,541 19,032 SH   SOLE   0 0 19,032
VANGUARD WORLD FD ESG INTL STK ETF 921910725 350 5,900 SH   SOLE   0 0 5,900
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,801 51,859 SH   SOLE   0 0 51,859
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,795 70,875 SH   SOLE   0 0 70,875
VANGUARD INDEX FDS GROWTH ETF 922908736 2,076 8,195 SH   SOLE   0 0 8,195
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 988 6,000 SH   SOLE   0 0 6,000
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,632 116,188 SH   SOLE   0 0 116,188
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,912 47,903 SH   SOLE   0 0 47,903
WD-40 CO COM 929236107 285 1,072 SH   SOLE   0 0 1,072