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 2,797 25,312 SH   SOLE   25,312 0 0
ABBVIE INC COM 00287Y109 545 4,059 SH   SOLE   4,059 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 220 798 SH   SOLE   798 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 30,907 254,277 SH   SOLE   254,277 0 0
ALPHABET INC CAP STK CL A 02079K305 56,465 590,328 SH   SOLE   590,328 0 0
ALPHABET INC CAP STK CL C 02079K107 1,852 19,266 SH   SOLE   19,266 0 0
AMAZON COM INC COM 023135106 24,531 217,092 SH   SOLE   217,092 0 0
AMERISOURCEBERGEN CORP COM 03073E105 4,665 34,469 SH   SOLE   34,469 0 0
APPLE INC COM 037833100 4,253 30,774 SH   SOLE   30,774 0 0
AT&T INC COM 00206R102 2,160 140,829 SH   SOLE   140,829 0 0
BANK HAWAII CORP COM 062540109 228 3,000 SH   SOLE   3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 54,252 203,177 SH   SOLE   203,177 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 2,673 2,279 SH   SOLE   2,279 0 0
BK OF AMERICA CORP COM 060505104 895 29,638 SH   SOLE   29,638 0 0
BLACKROCK INC COM 09247X101 307 558 SH   SOLE   558 0 0
BOOKING HOLDINGS INC COM 09857L108 205 125 SH   SOLE   125 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 235 3,302 SH   SOLE   3,302 0 0
CARMAX INC COM 143130102 24,209 366,692 SH   SOLE   366,692 0 0
CATERPILLAR INC COM 149123101 3,104 18,919 SH   SOLE   18,919 0 0
CHEVRON CORP NEW COM 166764100 313 2,176 SH   SOLE   2,176 0 0
CHUBB LIMITED COM H1467J104 837 4,600 SH   SOLE   4,600 0 0
CISCO SYS INC COM 17275R102 2,807 70,173 SH   SOLE   70,173 0 0
CITIGROUP INC COM NEW 172967424 282 6,778 SH   SOLE   6,778 0 0
COCA COLA CO COM 191216100 551 9,844 SH   SOLE   9,844 0 0
COSTCO WHSL CORP NEW COM 22160K105 232 492 SH   SOLE   492 0 0
DEERE & CO COM 244199105 272 815 SH   SOLE   815 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 593 3,490 SH   SOLE   3,490 0 0
DISNEY WALT CO COM 254687106 51,860 549,770 SH   SOLE   549,770 0 0
DOLLAR GEN CORP NEW COM 256677105 25,206 105,088 SH   SOLE   105,088 0 0
EATON CORP PLC SHS G29183103 3,916 29,362 SH   SOLE   29,362 0 0
EMERSON ELEC CO COM 291011104 3,584 48,952 SH   SOLE   48,952 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 217 9,110 SH   SOLE   9,110 0 0
EOG RES INC COM 26875P101 521 4,663 SH   SOLE   4,663 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 202 3,000 SH   SOLE   3,000 0 0
ESSEX PPTY TR INC COM 297178105 387 1,599 SH   SOLE   1,599 0 0
EXXON MOBIL CORP COM 30231G102 260 2,977 SH   SOLE   2,977 0 0
FISERV INC COM 337738108 59,266 633,382 SH   SOLE   633,382 0 0
GRAINGER W W INC COM 384802104 21,883 44,733 SH   SOLE   44,733 0 0
HOME DEPOT INC COM 437076102 414 1,500 SH   SOLE   1,500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 327 2,750 SH   SOLE   2,750 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 26,438 275,077 SH   SOLE   275,077 0 0
ISHARES TR CORE S&P500 ETF 464287200 564 1,572 SH   SOLE   1,572 0 0
ISHARES TR CORE US AGGBD ET 464287226 404 4,196 SH   SOLE   4,196 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 30,250 1,271,533 SH   SOLE   1,271,533 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882 26,924 1,086,953 SH   SOLE   1,086,953 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874 26,902 1,123,253 SH   SOLE   1,123,253 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 17,813 771,134 SH   SOLE   771,134 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 17,824 714,378 SH   SOLE   714,378 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 26,537 1,089,832 SH   SOLE   1,089,832 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 32,151 1,332,423 SH   SOLE   1,332,423 0 0
ISHARES TR IBOXX INV CP ETF 464287242 289 2,816 SH   SOLE   2,816 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 711 14,436 SH   SOLE   14,436 0 0
ISHARES TR TIPS BD ETF 464287176 2,921 27,847 SH   SOLE   27,847 0 0
JOHNSON & JOHNSON COM 478160104 3,883 23,772 SH   SOLE   23,772 0 0
JPMORGAN CHASE & CO COM 46625H100 294 2,810 SH   SOLE   2,810 0 0
KIMBERLY-CLARK CORP COM 494368103 2,899 25,763 SH   SOLE   25,763 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 208 1,015 SH   SOLE   1,015 0 0
LOCKHEED MARTIN CORP COM 539830109 3,390 8,775 SH   SOLE   8,775 0 0
LOWES COS INC COM 548661107 67,214 357,884 SH   SOLE   357,884 0 0
M & T BK CORP COM 55261F104 3,572 20,257 SH   SOLE   20,257 0 0
MASTERCARD INCORPORATED CL A 57636Q104 39,573 139,174 SH   SOLE   139,174 0 0
MCDONALDS CORP COM 580135101 3,359 14,559 SH   SOLE   14,559 0 0
MEDTRONIC PLC SHS G5960L103 29,002 359,153 SH   SOLE   359,153 0 0
MERCK & CO INC COM 58933Y105 293 3,400 SH   SOLE   3,400 0 0
META PLATFORMS INC CL A 30303M102 38,121 280,964 SH   SOLE   280,964 0 0
MICROSOFT CORP COM 594918104 58,687 251,983 SH   SOLE   251,983 0 0
NETFLIX INC COM 64110L106 32,980 140,080 SH   SOLE   140,080 0 0
NEWTEK BUSINESS SVCS CORP COM NEW 652526203 163 10,000 SH   SOLE   10,000 0 0
NEXTERA ENERGY INC COM 65339F101 315 4,012 SH   SOLE   4,012 0 0
NORTHROP GRUMMAN CORP COM 666807102 35,870 76,268 SH   SOLE   76,268 0 0
NOVARTIS AG SPONSORED ADR 66987V109 2,614 34,393 SH   SOLE   34,393 0 0
NVIDIA CORPORATION COM 67066G104 268 2,205 SH   SOLE   2,205 0 0
OXFORD LANE CAP CORP COM 691543102 103 20,000 SH   SOLE   20,000 0 0
PEPSICO INC COM 713448108 781 4,785 SH   SOLE   4,785 0 0
PROCTER AND GAMBLE CO COM 742718109 3,561 28,205 SH   SOLE   28,205 0 0
PROGRESSIVE CORP COM 743315103 5,014 43,143 SH   SOLE   43,143 0 0
QUALCOMM INC COM 747525103 541 4,785 SH   SOLE   4,785 0 0
ROSS STORES INC COM 778296103 52,688 625,226 SH   SOLE   625,226 0 0
SALESFORCE INC COM 79466L302 27,942 194,255 SH   SOLE   194,255 0 0
SCHWAB CHARLES CORP COM 808513105 41,087 571,690 SH   SOLE   571,690 0 0
SOUTHERN CO COM 842587107 600 8,824 SH   SOLE   8,824 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 623 1,744 SH   SOLE   1,744 0 0
STARBUCKS CORP COM 855244109 38,988 462,711 SH   SOLE   462,711 0 0
SYSCO CORP COM 871829107 3,655 51,693 SH   SOLE   51,693 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 42,673 622,412 SH   SOLE   622,412 0 0
TARGET CORP COM 87612E106 2,403 16,196 SH   SOLE   16,196 0 0
TESLA INC COM 88160R101 269 1,014 SH   SOLE   1,014 0 0
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 109 10,000 SH   SOLE   10,000 0 0
ULTA BEAUTY INC COM 90384S303 48,335 120,478 SH   SOLE   120,478 0 0
UNION PAC CORP COM 907818108 1,193 6,124 SH   SOLE   6,124 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,256 20,159 SH   SOLE   20,159 0 0
US BANCORP DEL COM NEW 902973304 2,494 61,848 SH   SOLE   61,848 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,528 66,578 SH   SOLE   66,578 0 0
VISA INC COM CL A 92826C839 51,347 289,036 SH   SOLE   289,036 0 0
WELLS FARGO CO NEW COM 949746101 31,933 793,969 SH   SOLE   793,969 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 3,077 2,556 SH   SOLE   2,556 0 0
XAI OCTAGON FLOATING RATE & COM 98400T106 59 10,000 SH   SOLE   10,000 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 38,594 147,300 SH   SOLE   147,300 0 0