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 3,637 24,426 SH   SOLE   24,426 0 0
ABBVIE INC COM 00287Y109 549 3,389 SH   SOLE   3,389 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 263 578 SH   SOLE   578 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 29,482 222,792 SH   SOLE   222,792 0 0
ALPHABET INC CAP STK CL A 02079K305 85,259 30,654 SH   SOLE   30,654 0 0
ALPHABET INC CAP STK CL C 02079K107 2,265 811 SH   SOLE   811 0 0
AMAZON COM INC COM 023135106 1,268 389 SH   SOLE   389 0 0
AMERISOURCEBERGEN CORP COM 03073E105 5,788 37,409 SH   SOLE   37,409 0 0
APPLE INC COM 037833100 4,806 27,526 SH   SOLE   27,526 0 0
AT&T INC COM 00206R102 3,004 127,118 SH   SOLE   127,118 0 0
BANK HAWAII CORP COM 062540109 252 3,000 SH   SOLE   3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 72,706 206,018 SH   SOLE   206,018 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 3,827 2,916 SH   SOLE   2,916 0 0
BK OF AMERICA CORP COM 060505104 1,310 31,777 SH   SOLE   31,777 0 0
BLACKROCK INC COM 09247X101 376 493 SH   SOLE   493 0 0
BOOKING HOLDINGS INC COM 09857L108 25,561 10,884 SH   SOLE   10,884 0 0
CARMAX INC COM 143130102 36,110 374,271 SH   SOLE   374,271 0 0
CATERPILLAR INC COM 149123101 4,214 18,914 SH   SOLE   18,914 0 0
CHEVRON CORP NEW COM 166764100 4,808 29,529 SH   SOLE   29,529 0 0
CHUBB LIMITED COM H1467J104 984 4,600 SH   SOLE   4,600 0 0
CISCO SYS INC COM 17275R102 3,864 69,297 SH   SOLE   69,297 0 0
CITIGROUP INC COM NEW 172967424 506 9,469 SH   SOLE   9,469 0 0
COCA COLA CO COM 191216100 486 7,841 SH   SOLE   7,841 0 0
DEERE & CO COM 244199105 375 903 SH   SOLE   903 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 720 3,543 SH   SOLE   3,543 0 0
DISNEY WALT CO COM 254687106 55,752 406,476 SH   SOLE   406,476 0 0
DOLLAR GEN CORP NEW COM 256677105 44,581 200,246 SH   SOLE   200,246 0 0
EATON CORP PLC SHS G29183103 4,582 30,192 SH   SOLE   30,192 0 0
EMERSON ELEC CO COM 291011104 4,834 49,302 SH   SOLE   49,302 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 236 9,142 SH   SOLE   9,142 0 0
EOG RES INC COM 26875P101 477 4,000 SH   SOLE   4,000 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 270 3,000 SH   SOLE   3,000 0 0
ESSEX PPTY TR INC COM 297178105 552 1,599 SH   SOLE   1,599 0 0
FEDEX CORP COM 31428X106 237 1,025 SH   SOLE   1,025 0 0
FISERV INC COM 337738108 67,073 661,474 SH   SOLE   661,474 0 0
GRAINGER W W INC COM 384802104 35,500 68,826 SH   SOLE   68,826 0 0
HANESBRANDS INC COM 410345102 3,468 232,881 SH   SOLE   232,881 0 0
HOME DEPOT INC COM 437076102 314 1,049 SH   SOLE   1,049 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 280 2,150 SH   SOLE   2,150 0 0
ISHARES TR CORE S&P500 ETF 464287200 713 1,571 SH   SOLE   1,571 0 0
ISHARES TR CORE US AGGBD ET 464287226 51,246 478,483 SH   SOLE   478,483 0 0
ISHARES TR IBOXX INV CP ETF 464287242 39,584 327,299 SH   SOLE   327,299 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 83,971 1,623,573 SH   SOLE   1,623,573 0 0
ISHARES TR TIPS BD ETF 464287176 68,998 553,888 SH   SOLE   553,888 0 0
JOHNSON & JOHNSON COM 478160104 4,177 23,568 SH   SOLE   23,568 0 0
JPMORGAN CHASE & CO COM 46625H100 253 1,854 SH   SOLE   1,854 0 0
KIMBERLY-CLARK CORP COM 494368103 3,232 26,242 SH   SOLE   26,242 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 380 1,440 SH   SOLE   1,440 0 0
LOCKHEED MARTIN CORP COM 539830109 4,075 9,231 SH   SOLE   9,231 0 0
LOWES COS INC COM 548661107 75,097 371,420 SH   SOLE   371,420 0 0
M & T BK CORP COM 55261F104 3,594 21,203 SH   SOLE   21,203 0 0
MASTERCARD INCORPORATED CL A 57636Q104 58,660 164,139 SH   SOLE   164,139 0 0
MCDONALDS CORP COM 580135101 3,760 15,205 SH   SOLE   15,205 0 0
MEDTRONIC PLC SHS G5960L103 40,031 360,807 SH   SOLE   360,807 0 0
META PLATFORMS INC CL A 30303M102 60,682 272,901 SH   SOLE   272,901 0 0
MICROSOFT CORP COM 594918104 79,830 258,928 SH   SOLE   258,928 0 0
MOODYS CORP COM 615369105 214 634 SH   SOLE   634 0 0
NETFLIX INC COM 64110L106 54,074 144,355 SH   SOLE   144,355 0 0
NEWTEK BUSINESS SVCS CORP COM NEW 652526203 267 10,000 SH   SOLE   10,000 0 0
NEXTERA ENERGY INC COM 65339F101 347 4,092 SH   SOLE   4,092 0 0
NORTHROP GRUMMAN CORP COM 666807102 47,333 105,838 SH   SOLE   105,838 0 0
NOVARTIS AG SPONSORED ADR 66987V109 3,055 34,819 SH   SOLE   34,819 0 0
NVIDIA CORPORATION COM 67066G104 236 865 SH   SOLE   865 0 0
OXFORD LANE CAP CORP COM 691543102 145 20,000 SH   SOLE   20,000 0 0
PEPSICO INC COM 713448108 687 4,105 SH   SOLE   4,105 0 0
PROCTER AND GAMBLE CO COM 742718109 4,309 28,198 SH   SOLE   28,198 0 0
PROGRESSIVE CORP COM 743315103 5,435 47,676 SH   SOLE   47,676 0 0
QUALCOMM INC COM 747525103 722 4,728 SH   SOLE   4,728 0 0
ROSS STORES INC COM 778296103 58,524 646,958 SH   SOLE   646,958 0 0
SALESFORCE COM INC COM 79466L302 42,145 198,496 SH   SOLE   198,496 0 0
SCHWAB CHARLES CORP COM 808513105 50,033 593,437 SH   SOLE   593,437 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 210 3,589 SH   SOLE   3,589 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 215 3,990 SH   SOLE   3,990 0 0
SOUTHERN CO COM 842587107 540 7,450 SH   SOLE   7,450 0 0
STARBUCKS CORP COM 855244109 29,141 320,341 SH   SOLE   320,341 0 0
SYSCO CORP COM 871829107 4,413 54,049 SH   SOLE   54,049 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 54,943 526,977 SH   SOLE   526,977 0 0
TARGET CORP COM 87612E106 3,290 15,505 SH   SOLE   15,505 0 0
ULTA BEAUTY INC COM 90384S303 68,750 172,643 SH   SOLE   172,643 0 0
UNION PAC CORP COM 907818108 1,592 5,828 SH   SOLE   5,828 0 0
UNITED PARCEL SERVICE INC CL B 911312106 4,421 20,614 SH   SOLE   20,614 0 0
US BANCORP DEL COM NEW 902973304 3,248 61,106 SH   SOLE   61,106 0 0
VENTAS INC COM 92276F100 223 3,618 SH   SOLE   3,618 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,178 62,383 SH   SOLE   62,383 0 0
VISA INC COM CL A 92826C839 73,529 331,556 SH   SOLE   331,556 0 0
WALMART INC COM 931142103 214 1,438 SH   SOLE   1,438 0 0
WELLS FARGO CO NEW COM 949746101 38,176 787,785 SH   SOLE   787,785 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 4,232 3,194 SH   SOLE   3,194 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 39,407 95,256 SH   SOLE   95,256 0 0