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
3M CO COM 88579Y101 4,291 24,156 SH   SOLE   24,156 0 0
ABBVIE INC COM 00287Y109 459 3,389 SH   SOLE   3,389 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 284 500 SH   SOLE   500 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 35,019 219,348 SH   SOLE   219,348 0 0
ALPHABET INC CAP STK CL A 02079K305 91,946 31,738 SH   SOLE   31,738 0 0
ALPHABET INC CAP STK CL C 02079K107 2,677 925 SH   SOLE   925 0 0
AMAZON COM INC COM 023135106 1,050 315 SH   SOLE   315 0 0
AMERISOURCEBERGEN CORP COM 03073E105 5,241 39,437 SH   SOLE   39,437 0 0
APPLE INC COM 037833100 5,282 29,748 SH   SOLE   29,748 0 0
AT&T INC COM 00206R102 2,742 111,444 SH   SOLE   111,444 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 379 1,535 SH   SOLE   1,535 0 0
BANK HAWAII CORP COM 062540109 251 3,000 SH   SOLE   3,000 0 0
BANK NEW YORK MELLON CORP COM 064058100 212 3,645 SH   SOLE   3,645 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 93,399 312,371 SH   SOLE   312,371 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 4,218 2,918 SH   SOLE   2,918 0 0
BK OF AMERICA CORP COM 060505104 33,084 743,624 SH   SOLE   743,624 0 0
BLACKROCK INC COM 09247X101 834 911 SH   SOLE   911 0 0
BOOKING HOLDINGS INC COM 09857L108 40,576 16,912 SH   SOLE   16,912 0 0
CARMAX INC COM 143130102 30,107 231,180 SH   SOLE   231,180 0 0
CATERPILLAR INC COM 149123101 4,002 19,356 SH   SOLE   19,356 0 0
CHEVRON CORP NEW COM 166764100 3,730 31,789 SH   SOLE   31,789 0 0
CHUBB LIMITED COM H1467J104 889 4,600 SH   SOLE   4,600 0 0
CISCO SYS INC COM 17275R102 4,563 72,007 SH   SOLE   72,007 0 0
CITIGROUP INC COM NEW 172967424 33,976 562,615 SH   SOLE   562,615 0 0
COCA COLA CO COM 191216100 472 7,970 SH   SOLE   7,970 0 0
DEERE & CO COM 244199105 339 990 SH   SOLE   990 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 839 3,813 SH   SOLE   3,813 0 0
DISNEY WALT CO COM 254687106 59,768 385,874 SH   SOLE   385,874 0 0
DOLLAR GEN CORP NEW COM 256677105 46,336 196,480 SH   SOLE   196,480 0 0
EATON CORP PLC SHS G29183103 5,390 31,186 SH   SOLE   31,186 0 0
EMERSON ELEC CO COM 291011104 4,659 50,109 SH   SOLE   50,109 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 200 9,110 SH   SOLE   9,110 0 0
EOG RES INC COM 26875P101 355 4,000 SH   SOLE   4,000 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 272 3,000 SH   SOLE   3,000 0 0
ESSEX PPTY TR INC COM 297178105 563 1,599 SH   SOLE   1,599 0 0
FEDEX CORP COM 31428X106 265 1,025 SH   SOLE   1,025 0 0
FISERV INC COM 337738108 67,061 646,121 SH   SOLE   646,121 0 0
GRAINGER W W INC COM 384802104 36,564 70,554 SH   SOLE   70,554 0 0
HANESBRANDS INC COM 410345102 3,928 234,906 SH   SOLE   234,906 0 0
HOME DEPOT INC COM 437076102 677 1,631 SH   SOLE   1,631 0 0
ILLINOIS TOOL WKS INC COM 452308109 220 890 SH   SOLE   890 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 292 2,183 SH   SOLE   2,183 0 0
ISHARES TR CORE S&P500 ETF 464287200 749 1,569 SH   SOLE   1,569 0 0
ISHARES TR CORE US AGGBD ET 464287226 54,512 477,843 SH   SOLE   477,843 0 0
ISHARES TR IBOXX INV CP ETF 464287242 43,215 326,105 SH   SOLE   326,105 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 87,806 1,629,660 SH   SOLE   1,629,660 0 0
ISHARES TR TIPS BD ETF 464287176 70,942 549,086 SH   SOLE   549,086 0 0
JOHNSON & JOHNSON COM 478160104 4,298 25,124 SH   SOLE   25,124 0 0
JPMORGAN CHASE & CO COM 46625H100 488 3,083 SH   SOLE   3,083 0 0
KIMBERLY-CLARK CORP COM 494368103 3,743 26,188 SH   SOLE   26,188 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 452 1,440 SH   SOLE   1,440 0 0
LOCKHEED MARTIN CORP COM 539830109 3,423 9,632 SH   SOLE   9,632 0 0
LOWES COS INC COM 548661107 100,288 387,992 SH   SOLE   387,992 0 0
M & T BK CORP COM 55261F104 3,323 21,634 SH   SOLE   21,634 0 0
MASTERCARD INCORPORATED CL A 57636Q104 59,147 164,609 SH   SOLE   164,609 0 0
MCDONALDS CORP COM 580135101 4,219 15,737 SH   SOLE   15,737 0 0
MEDTRONIC PLC SHS G5960L103 35,237 340,623 SH   SOLE   340,623 0 0
META PLATFORMS INC CL A 30303M102 88,893 264,288 SH   SOLE   264,288 0 0
MICROSOFT CORP COM 594918104 88,432 262,941 SH   SOLE   262,941 0 0
MOODYS CORP COM 615369105 248 634 SH   SOLE   634 0 0
NEWTEK BUSINESS SVCS CORP COM NEW 652526203 276 10,000 SH   SOLE   10,000 0 0
NEXTERA ENERGY INC COM 65339F101 373 4,000 SH   SOLE   4,000 0 0
NORTHERN TR CORP COM 665859104 208 1,740 SH   SOLE   1,740 0 0
NORTHROP GRUMMAN CORP COM 666807102 41,292 106,679 SH   SOLE   106,679 0 0
NOVARTIS AG SPONSORED ADR 66987V109 3,113 35,586 SH   SOLE   35,586 0 0
NVIDIA CORPORATION COM 67066G104 254 865 SH   SOLE   865 0 0
OXFORD LANE CAP CORP COM 691543102 154 20,000 SH   SOLE   20,000 0 0
PEPSICO INC COM 713448108 719 4,138 SH   SOLE   4,138 0 0
PFIZER INC COM 717081103 210 3,555 SH   SOLE   3,555 0 0
PROCTER AND GAMBLE CO COM 742718109 5,012 30,640 SH   SOLE   30,640 0 0
PROGRESSIVE CORP COM 743315103 5,044 49,138 SH   SOLE   49,138 0 0
QUALCOMM INC COM 747525103 861 4,710 SH   SOLE   4,710 0 0
ROSS STORES INC COM 778296103 42,216 369,408 SH   SOLE   369,408 0 0
SALESFORCE COM INC COM 79466L302 41,139 161,880 SH   SOLE   161,880 0 0
SCHWAB CHARLES CORP COM 808513105 51,556 613,033 SH   SOLE   613,033 0 0
SOUTHERN CO COM 842587107 511 7,450 SH   SOLE   7,450 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 420 885 SH   SOLE   885 0 0
SVB FINANCIAL GROUP COM 78486Q101 203 300 SH   SOLE   300 0 0
SYSCO CORP COM 871829107 4,313 54,906 SH   SOLE   54,906 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 4,365 36,280 SH   SOLE   36,280 0 0
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 180 10,000 SH   SOLE   10,000 0 0
ULTA BEAUTY INC COM 90384S303 70,469 170,900 SH   SOLE   170,900 0 0
UNION PAC CORP COM 907818108 1,423 5,650 SH   SOLE   5,650 0 0
UNITED PARCEL SERVICE INC CL B 911312106 4,583 21,382 SH   SOLE   21,382 0 0
US BANCORP DEL COM NEW 902973304 3,509 62,473 SH   SOLE   62,473 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,221 61,982 SH   SOLE   61,982 0 0
VISA INC COM CL A 92826C839 52,821 243,739 SH   SOLE   243,739 0 0
WALMART INC COM 931142103 202 1,396 SH   SOLE   1,396 0 0
WELLS FARGO CO NEW COM 949746101 61,131 1,274,102 SH   SOLE   1,274,102 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 4,880 3,274 SH   SOLE   3,274 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 30,579 51,376 SH   SOLE   51,376 0 0