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 2,953 22,821 SH   SOLE   22,821 0 0
ABBVIE INC COM 00287Y109 519 3,389 SH   SOLE   3,389 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 30,811 259,415 SH   SOLE   259,415 0 0
ALPHABET INC CAP STK CL A 02079K305 64,774 29,723 SH   SOLE   29,723 0 0
ALPHABET INC CAP STK CL C 02079K107 1,916 876 SH   SOLE   876 0 0
AMAZON COM INC COM 023135106 22,908 215,684 SH   SOLE   215,684 0 0
AMERISOURCEBERGEN CORP COM 03073E105 4,663 32,956 SH   SOLE   32,956 0 0
APPLE INC COM 037833100 3,537 25,868 SH   SOLE   25,868 0 0
AT&T INC COM 00206R102 2,558 122,045 SH   SOLE   122,045 0 0
BANK HAWAII CORP COM 062540109 223 3,000 SH   SOLE   3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 55,225 202,275 SH   SOLE   202,275 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 2,996 2,487 SH   SOLE   2,487 0 0
BK OF AMERICA CORP COM 060505104 844 27,121 SH   SOLE   27,121 0 0
BLACKROCK INC COM 09247X101 275 451 SH   SOLE   451 0 0
BOOKING HOLDINGS INC COM 09857L108 219 125 SH   SOLE   125 0 0
CARMAX INC COM 143130102 33,421 369,370 SH   SOLE   369,370 0 0
CATERPILLAR INC COM 149123101 3,068 17,165 SH   SOLE   17,165 0 0
CHUBB LIMITED COM H1467J104 904 4,600 SH   SOLE   4,600 0 0
CISCO SYS INC COM 17275R102 2,677 62,779 SH   SOLE   62,779 0 0
CITIGROUP INC COM NEW 172967424 243 5,284 SH   SOLE   5,284 0 0
COCA COLA CO COM 191216100 506 8,042 SH   SOLE   8,042 0 0
COHBAR INC COM 19249J109 5 25,000 SH   SOLE   25,000 0 0
DEERE & CO COM 244199105 244 815 SH   SOLE   815 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 626 3,594 SH   SOLE   3,594 0 0
DISNEY WALT CO COM 254687106 39,992 423,639 SH   SOLE   423,639 0 0
DOLLAR GEN CORP NEW COM 256677105 26,047 106,123 SH   SOLE   106,123 0 0
EATON CORP PLC SHS G29183103 3,443 27,330 SH   SOLE   27,330 0 0
EMERSON ELEC CO COM 291011104 3,600 45,260 SH   SOLE   45,260 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 222 9,110 SH   SOLE   9,110 0 0
EOG RES INC COM 26875P101 442 4,000 SH   SOLE   4,000 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 217 3,000 SH   SOLE   3,000 0 0
ESSEX PPTY TR INC COM 297178105 418 1,599 SH   SOLE   1,599 0 0
FISERV INC COM 337738108 57,513 646,436 SH   SOLE   646,436 0 0
GRAINGER W W INC COM 384802104 29,872 65,735 SH   SOLE   65,735 0 0
HOME DEPOT INC COM 437076102 284 1,035 SH   SOLE   1,035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 312 2,213 SH   SOLE   2,213 0 0
ISHARES TR CORE S&P500 ETF 464287200 596 1,572 SH   SOLE   1,572 0 0
ISHARES TR CORE US AGGBD ET 464287226 47,725 469,368 SH   SOLE   469,368 0 0
ISHARES TR IBOXX INV CP ETF 464287242 35,809 325,447 SH   SOLE   325,447 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 80,141 1,585,385 SH   SOLE   1,585,385 0 0
ISHARES TR TIPS BD ETF 464287176 61,969 544,015 SH   SOLE   544,015 0 0
JOHNSON & JOHNSON COM 478160104 3,869 21,795 SH   SOLE   21,795 0 0
KIMBERLY-CLARK CORP COM 494368103 3,260 24,121 SH   SOLE   24,121 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 238 1,015 SH   SOLE   1,015 0 0
LOCKHEED MARTIN CORP COM 539830109 3,613 8,404 SH   SOLE   8,404 0 0
LOWES COS INC COM 548661107 63,117 361,352 SH   SOLE   361,352 0 0
M & T BK CORP COM 55261F104 3,074 19,287 SH   SOLE   19,287 0 0
MASTERCARD INCORPORATED CL A 57636Q104 50,338 159,560 SH   SOLE   159,560 0 0
MCDONALDS CORP COM 580135101 3,363 13,623 SH   SOLE   13,623 0 0
MEDTRONIC PLC SHS G5960L103 31,906 355,504 SH   SOLE   355,504 0 0
META PLATFORMS INC CL A 30303M102 44,201 274,112 SH   SOLE   274,112 0 0
MICROSOFT CORP COM 594918104 64,404 250,764 SH   SOLE   250,764 0 0
NETFLIX INC COM 64110L106 24,748 141,524 SH   SOLE   141,524 0 0
NEXTERA ENERGY INC COM 65339F101 310 4,000 SH   SOLE   4,000 0 0
NORTHROP GRUMMAN CORP COM 666807102 48,319 100,965 SH   SOLE   100,965 0 0
NOVARTIS AG SPONSORED ADR 66987V109 2,716 32,134 SH   SOLE   32,134 0 0
OXFORD LANE CAP CORP COM 691543102 114 20,000 SH   SOLE   20,000 0 0
PEPSICO INC COM 713448108 685 4,108 SH   SOLE   4,108 0 0
PROCTER AND GAMBLE CO COM 742718109 3,709 25,791 SH   SOLE   25,791 0 0
PROGRESSIVE CORP COM 743315103 4,931 42,408 SH   SOLE   42,408 0 0
QUALCOMM INC COM 747525103 607 4,753 SH   SOLE   4,753 0 0
ROSS STORES INC COM 778296103 44,435 632,703 SH   SOLE   632,703 0 0
SALESFORCE INC COM 79466L302 32,091 194,443 SH   SOLE   194,443 0 0
SCHWAB CHARLES CORP COM 808513105 36,578 578,951 SH   SOLE   578,951 0 0
SOUTHERN CO COM 842587107 531 7,450 SH   SOLE   7,450 0 0
STARBUCKS CORP COM 855244109 35,963 470,786 SH   SOLE   470,786 0 0
SYSCO CORP COM 871829107 4,195 49,523 SH   SOLE   49,523 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 42,193 516,128 SH   SOLE   516,128 0 0
TARGET CORP COM 87612E106 2,049 14,511 SH   SOLE   14,511 0 0
ULTA BEAUTY INC COM 90384S303 47,060 122,081 SH   SOLE   122,081 0 0
UNION PAC CORP COM 907818108 1,207 5,657 SH   SOLE   5,657 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,437 18,828 SH   SOLE   18,828 0 0
US BANCORP DEL COM NEW 902973304 2,601 56,520 SH   SOLE   56,520 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,991 58,930 SH   SOLE   58,930 0 0
VISA INC COM CL A 92826C839 63,561 322,827 SH   SOLE   322,827 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 369 27,461 SH   SOLE   27,461 0 0
WELLS FARGO CO NEW COM 949746101 30,482 778,187 SH   SOLE   778,187 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 3,378 2,779 SH   SOLE   2,779 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 33,462 113,835 SH   SOLE   113,835 0 0