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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 3,431,511 28,615 SH   SOLE   28,615 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 639,491 3,957 SH   SOLE   3,957 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 262,830 781 SH   SOLE   781 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 36,805,222 245,942 SH   SOLE   245,942 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 52,476,418 594,768 SH   SOLE   594,768 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,458,544 16,438 SH   SOLE   16,438 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 33,272,736 396,104 SH   SOLE   396,104 0 0
AMERISOURCEBERGEN CORP COM 03073E105 BBG001S8X7P0 5,438,125 32,817 SH   SOLE   32,817 0 0
APPLE INC COM 037833100 BBG001S5N8V8 3,977,744 30,615 SH   SOLE   30,615 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 2,944,880 159,961 SH   SOLE   159,961 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,002,890 30,281 SH   SOLE   30,281 0 0
BANK HAWAII CORP COM 062540109 BBG001S6R977 232,680 3,000 SH   SOLE   3,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 62,348,426 201,840 SH   SOLE   201,840 0 0
BK OF AMERICA CORP 7.25%CNV PFD L 060505682   2,590,280 2,233 SH   SOLE   2,233 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 297,625 420 SH   SOLE   420 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 278,109 138 SH   SOLE   138 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 227,794 3,166 SH   SOLE   3,166 0 0
CARMAX INC COM 143130102 BBG001SD9561 42,541,777 698,666 SH   SOLE   698,666 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 4,534,272 18,927 SH   SOLE   18,927 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 378,525 2,109 SH   SOLE   2,109 0 0
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 1,111,824 5,040 SH   SOLE   5,040 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 3,618,663 75,959 SH   SOLE   75,959 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 327,375 7,238 SH   SOLE   7,238 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 604,867 9,509 SH   SOLE   9,509 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 200,860 440 SH   SOLE   440 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 349,439 815 SH   SOLE   815 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 621,883 3,490 SH   SOLE   3,490 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 47,102,554 542,156 SH   SOLE   542,156 0 0
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 25,530,080 103,675 SH   SOLE   103,675 0 0
EATON CORP PLC SHS G29183103 BBG001S5QZ45 4,949,804 31,537 SH   SOLE   31,537 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 5,145,424 53,565 SH   SOLE   53,565 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 219,733 9,110 SH   SOLE   9,110 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 603,822 4,662 SH   SOLE   4,662 0 0
ESSEX PPTY TR INC COM 297178105 BBG001S81418 439,098 2,072 SH   SOLE   2,072 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 328,142 2,975 SH   SOLE   2,975 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 62,873,292 622,077 SH   SOLE   622,077 0 0
GRAINGER W W INC COM 384802104 BBG001S5RRD2 24,532,903 44,104 SH   SOLE   44,104 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 488,899 1,548 SH   SOLE   1,548 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 357,015 2,534 SH   SOLE   2,534 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 28,502,943 293,966 SH   SOLE   293,966 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 565,362 1,471 SH   SOLE   1,471 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 BBG00M0P3SC7 30,502,683 1,255,771 SH   SOLE   1,255,771 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882 BBG00RYQY150 26,496,286 1,072,724 SH   SOLE   1,072,724 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874 BBG00RYR0PY0 26,439,566 1,108,577 SH   SOLE   1,108,577 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 17,806,065 762,572 SH   SOLE   762,572 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 17,666,836 705,826 SH   SOLE   705,826 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 26,355,113 1,079,243 SH   SOLE   1,079,243 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 BBG0088JX9H8 31,932,626 1,313,019 SH   SOLE   1,313,019 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 781,802 7,345 SH   SOLE   7,345 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,391,905 24,862 SH   SOLE   24,862 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 400,020 2,983 SH   SOLE   2,983 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,876,187 28,554 SH   SOLE   28,554 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 BBG001S7RX54 239,012 1,015 SH   SOLE   1,015 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 4,271,869 8,781 SH   SOLE   8,781 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 50,219,175 252,054 SH   SOLE   252,054 0 0
M & T BK CORP COM 55261F104 BBG001S7S2B4 3,110,850 21,445 SH   SOLE   21,445 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 48,387,038 139,151 SH   SOLE   139,151 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 4,038,505 15,325 SH   SOLE   15,325 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 28,116,166 361,762 SH   SOLE   361,762 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 365,691 3,296 SH   SOLE   3,296 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 32,250,072 267,991 SH   SOLE   267,991 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 60,326,593 251,549 SH   SOLE   251,549 0 0
MOODYS CORP COM 615369105 BBG001S5VP87 23,797,372 85,412 SH   SOLE   85,412 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 38,041,879 129,008 SH   SOLE   129,008 0 0
NEWTEK BUSINESS SVCS CORP COM NEW 652526203 BBG001S9PYW0 162,500 10,000 SH   SOLE   10,000 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 417,415 4,993 SH   SOLE   4,993 0 0
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 411,390 754 SH   SOLE   754 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 299,978 2,053 SH   SOLE   2,053 0 0
OXFORD LANE CAP CORP COM 691543102 BBG001T93HP8 101,400 20,000 SH   SOLE   20,000 0 0
PEPSICO INC COM 713448108 BBG001S695T1 842,714 4,665 SH   SOLE   4,665 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 4,530,060 29,890 SH   SOLE   29,890 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 5,512,416 42,498 SH   SOLE   42,498 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 598,159 5,441 SH   SOLE   5,441 0 0
ROSS STORES INC COM 778296103 BBG001S5VRS1 53,453,174 460,525 SH   SOLE   460,525 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 24,519,471 184,927 SH   SOLE   184,927 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 46,386,450 557,128 SH   SOLE   557,128 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 532,004 7,450 SH   SOLE   7,450 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 405,376 1,060 SH   SOLE   1,060 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 32,523,007 327,853 SH   SOLE   327,853 0 0
SYSCO CORP COM 871829107 BBG001S5WJS8 4,164,671 54,476 SH   SOLE   54,476 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 45,204,223 606,848 SH   SOLE   606,848 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 2,672,883 17,934 SH   SOLE   17,934 0 0
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 BBG005GXFKK5 104,300 10,000 SH   SOLE   10,000 0 0
ULTA BEAUTY INC COM 90384S303 BBG00FWQ4W44 38,996,692 83,136 SH   SOLE   83,136 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,178,091 5,689 SH   SOLE   5,689 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 3,778,411 21,735 SH   SOLE   21,735 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 204,649 386 SH   SOLE   386 0 0
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 2,959,110 67,854 SH   SOLE   67,854 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,213,880 3,455 SH   SOLE   3,455 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 2,949,299 74,855 SH   SOLE   74,855 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 59,782,920 287,750 SH   SOLE   287,750 0 0
WALMART INC COM 931142103 BBG001S5XH92 268,550 1,894 SH   SOLE   1,894 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 33,132,608 802,437 SH   SOLE   802,437 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,966,055 2,503 SH   SOLE   2,503 0 0
XAI OCTAGON FLOATING RATE & COM 98400T106 BBG00HMS4SD6 63,200 10,000 SH   SOLE   10,000 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 BBG001S6SX73 46,027,886 179,509 SH   SOLE   179,509 0 0