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
GENERAL ELECTRIC CO COM 369604103 296 44,840 SH   SOLE 0 0 0 44,840
ISHARES TR NATIONAL MUN ETF 464288414 1,643 14,052 SH   SOLE 0 0 0 14,052
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,045 9,042 SH   SOLE 0 0 0 9,042
RENASANT CORP COM 75970E107 382 14,767 SH   SOLE 0 0 0 14,767
HUNTINGTON BANCSHARES INC COM 446150104 112 11,424 SH   SOLE 0 0 0 11,424
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,581 62,900 SH   SOLE 0 0 0 62,900
APPLE INC COM 037833100 9,041 19,653 SH   SOLE 0 0 0 19,653
PHILIP MORRIS INTL INC COM 718172109 391 4,998 SH   SOLE 0 0 0 4,998
TEXAS INSTRS INC COM 882508104 414 3,016 SH   SOLE 0 0 0 3,016
ISHARES TR EAFE SML CP ETF 464288273 7,033 120,958 SH   SOLE 0 0 0 120,958
SPDR SER TR PORTFOLIO SH TSR 78468R101 219 7,127 SH   SOLE 0 0 0 7,127
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,946 33,230 SH   SOLE 0 0 0 33,230
VANGUARD INDEX FDS GROWTH ETF 922908736 95,790 428,704 SH   SOLE 0 0 0 428,704
INTEL CORP COM 458140100 599 12,336 SH   SOLE 0 0 0 12,336
WALMART INC COM 931142103 800 6,070 SH   SOLE 0 0 0 6,070
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,578 81,393 SH   SOLE 0 0 0 81,393
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 2,948 79,179 SH   SOLE 0 0 0 79,179
JPMORGAN CHASE & CO COM 46625H100 651 6,356 SH   SOLE 0 0 0 6,356
FEDEX CORP COM 31428X106 221 1,083 SH   SOLE 0 0 0 1,083
COMCAST CORP NEW CL A 20030N101 212 4,896 SH   SOLE 0 0 0 4,896
ISHARES TR RUSSELL 3000 ETF 464287689 4,681 23,788 SH   SOLE 0 0 0 23,788
EXXON MOBIL CORP COM 30231G102 426 9,893 SH   SOLE 0 0 0 9,893
CHEVRON CORP NEW COM 166764100 231 2,570 SH   SOLE 0 0 0 2,570
ISHARES INC CORE MSCI EMKT 46434G103 7,115 134,364 SH   SOLE 0 0 0 134,364
ISHARES TR S&P 100 ETF 464287101 699 4,484 SH   SOLE 0 0 0 4,484
VANGUARD INDEX FDS VALUE ETF 922908744 16,022 149,779 SH   SOLE 0 0 0 149,779
KIMBERLY CLARK CORP COM 494368103 744 4,693 SH   SOLE 0 0 0 4,693
MFS CHARTER INCOME TR SH BEN INT 552727109 95 11,020 SH   SOLE 0 0 0 11,020
VANGUARD INDEX FDS MID CAP ETF 922908629 3,877 21,783 SH   SOLE 0 0 0 21,783
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 311 12,393 SH   SOLE 0 0 0 12,393
INVESCO MORTGAGE CAPITAL INC COM 46131B100 35 10,977 SH   SOLE 0 0 0 10,977
ISHARES TR CORE S&P TTL STK 464287150 764 10,054 SH   SOLE 0 0 0 10,054
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 440 5,885 SH   SOLE 0 0 0 5,885
AUTOMATIC DATA PROCESSING IN COM 053015103 234 1,679 SH   SOLE 0 0 0 1,679
ILLINOIS TOOL WKS INC COM 452308109 400 2,026 SH   SOLE 0 0 0 2,026
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 9,531 75,257 SH   SOLE 0 0 0 75,257
ISHARES TR IBOXX HI YD ETF 464288513 351 4,166 SH   SOLE 0 0 0 4,166
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 32,113 257,957 SH   SOLE 0 0 0 257,957
ISHARES TR AGGRES ALLOC ETF 464289859 3,389 57,931 SH   SOLE 0 0 0 57,931
COCA COLA CO COM 191216100 1,380 28,524 SH   SOLE 0 0 0 28,524
SPDR SER TR SPDR BLOOMBERG 78468R663 481 5,252 SH   SOLE 0 0 0 5,252
AMGEN INC COM 031162100 208 867 SH   SOLE 0 0 0 867
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,229 11,573 SH   SOLE 0 0 0 11,573
ISHARES TR S&P 500 GRWT ETF 464287309 302 1,318 SH   SOLE 0 0 0 1,318
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 66,313 638,609 SH   SOLE 0 0 0 638,609
ADTRAN INC COM 00738A106 779 63,189 SH   SOLE 0 0 0 63,189
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 100,844 858,687 SH   SOLE 0 0 0 858,687
SIRIUS XM HOLDINGS INC COM 82968B103 60 10,062 SH   SOLE 0 0 0 10,062
VERIZON COMMUNICATIONS INC COM 92343V104 320 5,462 SH   SOLE 0 0 0 5,462
NVIDIA CORPORATION COM 67066G104 659 1,439 SH   SOLE 0 0 0 1,439
STARBUCKS CORP COM 855244109 307 3,889 SH   SOLE 0 0 0 3,889
MICROSOFT CORP COM 594918104 2,575 12,340 SH   SOLE 0 0 0 12,340
ISHARES TR CORE MSCI EAFE 46432F842 1,611 26,237 SH   SOLE 0 0 0 26,237
RAYTHEON TECHNOLOGIES CORP COM 75513E101 215 3,389 SH   SOLE 0 0 0 3,389
ISHARES TR RUS 1000 ETF 464287622 519 2,766 SH   SOLE 0 0 0 2,766
ISHARES TR S&P 500 VAL ETF 464287408 209 1,805 SH   SOLE 0 0 0 1,805
REGIONS FINANCIAL CORP NEW COM 7591EP100 747 64,312 SH   SOLE 0 0 0 64,312
ISHARES TR RUS MID CAP ETF 464287499 592 10,154 SH   SOLE 0 0 0 10,154
SPDR SER TR PORTFOLIO AGRGTE 78464A649 23,885 773,228 SH   SOLE 0 0 0 773,228
MCDONALDS CORP COM 580135101 485 2,348 SH   SOLE 0 0 0 2,348
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 207 1,936 SH   SOLE 0 0 0 1,936
GENERAL DYNAMICS CORP COM 369550108 241 1,557 SH   SOLE 0 0 0 1,557
ALPHABET INC CAP STK CL A 02079K305 369 243 SH   SOLE 0 0 0 243
PROASSURANCE CORP COM 74267C106 405 27,296 SH   SOLE 0 0 0 27,296
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 215 4,167 SH   SOLE 0 0 0 4,167
EMERSON ELEC CO COM 291011104 414 5,902 SH   SOLE 0 0 0 5,902
CATERPILLAR INC DEL COM 149123101 254 1,804 SH   SOLE 0 0 0 1,804
ISHARES TR MSCI EAFE ETF 464287465 2,309 35,410 SH   SOLE 0 0 0 35,410
SERVISFIRST BANCSHARES INC COM 81768T108 3,872 102,133 SH   SOLE 0 0 0 102,133
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,408 10,666 SH   SOLE 0 0 0 10,666
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,161 187,049 SH   SOLE 0 0 0 187,049
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 215 3,458 SH   SOLE 0 0 0 3,458
UNITED PARCEL SERVICE INC CL B 911312106 219 1,375 SH   SOLE 0 0 0 1,375
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 210 3,636 SH   SOLE 0 0 0 3,636
JOHNSON & JOHNSON COM 478160104 1,104 7,457 SH   SOLE 0 0 0 7,457
S&P GLOBAL INC COM 78409V104 222 624 SH   SOLE 0 0 0 624
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,905 41,901 SH   SOLE 0 0 0 41,901
DISNEY WALT CO COM DISNEY 254687106 485 3,702 SH   SOLE 0 0 0 3,702
PFIZER INC COM 717081103 470 12,303 SH   SOLE 0 0 0 12,303
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 57,517 1,371,742 SH   SOLE 0 0 0 1,371,742
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 588 5,315 SH   SOLE 0 0 0 5,315
RELIANT BANCORP INC COM 75956B101 1,304 82,662 SH   SOLE 0 0 0 82,662
BIOCRYST PHARMACEUTICALS INC COM 09058V103 108 23,429 SH   SOLE 0 0 0 23,429
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 995 12,183 SH   SOLE 0 0 0 12,183
PROSHARES TR PSHS ULTRA TECH 74347R693 221 1,000 SH   SOLE 0 0 0 1,000
ISHARES TR SH TR CRPORT ETF 464288646 1,046 19,039 SH   SOLE 0 0 0 19,039
BK OF AMERICA CORP COM 060505104 325 12,323 SH   SOLE 0 0 0 12,323
PEPSICO INC COM 713448108 274 1,981 SH   SOLE 0 0 0 1,981
NEXTERA ENERGY INC COM 65339F101 288 1,014 SH   SOLE 0 0 0 1,014
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 48,412 312,327 SH   SOLE 0 0 0 312,327
AMAZON COM INC COM 023135106 1,663 526 SH   SOLE 0 0 0 526
AT&T INC COM 00206R102 695 23,228 SH   SOLE 0 0 0 23,228
MERCK & CO. INC COM 58933Y105 435 5,206 SH   SOLE 0 0 0 5,206
BOEING CO COM 097023105 1,454 8,323 SH   SOLE 0 0 0 8,323
PROCTER AND GAMBLE CO COM 742718109 1,264 9,311 SH   SOLE 0 0 0 9,311
GLOBAL PMTS INC COM 37940X102 1,524 8,789 SH   SOLE 0 0 0 8,789
ORACLE CORP COM 68389X105 213 3,940 SH   SOLE 0 0 0 3,940
ISHARES TR RUS 2000 VAL ETF 464287630 4,613 43,020 SH   SOLE 0 0 0 43,020
NIKE INC CL B 654106103 360 3,377 SH   SOLE 0 0 0 3,377
ROYAL BK CDA COM 780087102 392 5,307 SH   SOLE 0 0 0 5,307
ISHARES TR CORE TOTAL USD 46434V613 404 7,407 SH   SOLE 0 0 0 7,407
ENSTAR GROUP LIMITED SHS G3075P101 756 4,100 SH   SOLE 0 0 0 4,100
BRISTOL-MYERS SQUIBB CO COM 110122108 202 3,195 SH   SOLE 0 0 0 3,195
ISHARES TR 1 3 YR TREAS BD 464287457 219 2,529 SH   SOLE 0 0 0 2,529
ABBVIE INC COM 00287Y109 222 2,346 SH   SOLE 0 0 0 2,346
BLACKROCK ENHANCED EQUITY DI COM 09251A104 152 19,812 SH   SOLE 0 0 0 19,812
SPDR SER TR BLOOMBERG SRT TR 78468R408 794 30,762 SH   SOLE 0 0 0 30,762
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,017 4,796 SH   SOLE 0 0 0 4,796
VISA INC COM CL A 92826C839 552 2,795 SH   SOLE 0 0 0 2,795
VULCAN MATLS CO COM 929160109 2,021 15,593 SH   SOLE 0 0 0 15,593
ISHARES TR GRWT ALLOCAT ETF 464289867 3,048 62,514 SH   SOLE 0 0 0 62,514
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,089 18,931 SH   SOLE 0 0 0 18,931
ISHARES TR CONSER ALLOC ETF 464289883 697 18,622 SH   SOLE 0 0 0 18,622
ISHARES TR RUS 1000 VAL ETF 464287598 10,499 86,496 SH   SOLE 0 0 0 86,496
SOUTH ST CORP COM 840441109 957 15,946 SH   SOLE 0 0 0 15,946
GLOBE LIFE INC COM 37959E102 224 2,636 SH   SOLE 0 0 0 2,636
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,098 13,216 SH   SOLE 0 0 0 13,216
ISHARES TR RUS MDCP VAL ETF 464287473 5,730 68,661 SH   SOLE 0 0 0 68,661
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 474 8,755 SH   SOLE 0 0 0 8,755
FACEBOOK INC CL A 30303M102 350 1,339 SH   SOLE 0 0 0 1,339
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,976 40,787 SH   SOLE 0 0 0 40,787
ALTRIA GROUP INC COM 02209S103 224 5,257 SH   SOLE 0 0 0 5,257
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101 206 17,643 SH   SOLE 0 0 0 17,643
NORFOLK SOUTHERN CORP COM 655844108 323 1,578 SH   SOLE 0 0 0 1,578
HOME DEPOT INC COM 437076102 1,208 4,289 SH   SOLE 0 0 0 4,289
WELLPOINT INC NOTE 2.750%10/1 94973VBG1 59 15,000 PRN   SOLE 0 0 0 15,000
ISHARES TR CORE US AGGBD ET 464287226 8,685 73,411 SH   SOLE 0 0 0 73,411
UNITEDHEALTH GROUP INC COM 91324P102 1,260 3,918 SH   SOLE 0 0 0 3,918
SOUTHERN CO COM 842587107 951 17,289 SH   SOLE 0 0 0 17,289
INTERNATIONAL BUSINESS MACHS COM 459200101 506 4,049 SH   SOLE 0 0 0 4,049
3M CO COM 88579Y101 242 1,458 SH   SOLE 0 0 0 1,458
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,046 25,997 SH   SOLE 0 0 0 25,997
ISHARES TR MSCI EMG MKT ETF 464287234 1,410 31,808 SH   SOLE 0 0 0 31,808
ISHARES TR RUSSELL 2000 ETF 464287655 5,640 35,880 SH   SOLE 0 0 0 35,880
SPDR GOLD TR GOLD SHS 78463V107 227 1,239 SH   SOLE 0 0 0 1,239
ISHARES TR MSCI ACWI ETF 464288257 336 4,182 SH   SOLE 0 0 0 4,182
VANGUARD WORLD FDS INF TECH ETF 92204A702 208 684 SH   SOLE 0 0 0 684
ISHARES TR RUS 1000 GRW ETF 464287614 8,203 38,603 SH   SOLE 0 0 0 38,603
ISHARES TR S&P MC 400VL ETF 464287705 925 6,391 SH   SOLE 0 0 0 6,391
APPLIED MATLS INC COM 038222105 216 3,313 SH   SOLE 0 0 0 3,313
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 33,717 1,804,977 SH   SOLE 0 0 0 1,804,977
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,622 35,566 SH   SOLE 0 0 0 35,566
ALPHABET INC CAP STK CL C 02079K107 498 328 SH   SOLE 0 0 0 328
CLOROX CO DEL COM 189054109 241 1,073 SH   SOLE 0 0 0 1,073
ISHARES TR EAFE VALUE ETF 464288877 1,479 34,922 SH   SOLE 0 0 0 34,922
ISHARES TR RUS MD CP GR ETF 464287481 759 4,427 SH   SOLE 0 0 0 4,427
ISHARES TR CORE S&P500 ETF 464287200 9,237 27,310 SH   SOLE 0 0 0 27,310
ARK ETF TR GENOMIC REV ETF 00214Q302 481 8,100 SH   SOLE 0 0 0 8,100
ISHARES TR MODERT ALLOC ETF 464289875 1,400 33,903 SH   SOLE 0 0 0 33,903
ISHARES TR SHORT TREAS BD 464288679 218 1,965 SH   SOLE 0 0 0 1,965
THERMO FISHER SCIENTIFIC INC COM 883556102 575 1,380 SH   SOLE 0 0 0 1,380
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 61,227 341,195 SH   SOLE 0 0 0 341,195
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,391 118,485 SH   SOLE 0 0 0 118,485
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 253 2,514 SH   SOLE 0 0 0 2,514