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 3,401,360 32,360 SH   SOLE   0 0 32,360
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 626,325 3,930 SH   SOLE   0 0 3,930
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 277,467 720 SH   SOLE   0 0 720
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 35,426,876 256,086 SH   SOLE   0 0 256,086
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 62,046,662 598,155 SH   SOLE   0 0 598,155
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,686,568 16,217 SH   SOLE   0 0 16,217
AMAZON COM INC COM 023135106 BBG001S5PQL7 52,563,558 508,893 SH   SOLE   0 0 508,893
AMERISOURCEBERGEN CORP COM 03073E105 BBG001S8X7P0 5,420,170 33,853 SH   SOLE   0 0 33,853
APPLE INC COM 037833100 BBG001S5N8V8 5,027,933 30,491 SH   SOLE   0 0 30,491
AT&T INC COM 00206R102 BBG001S5VWH2 3,277,706 170,270 SH   SOLE   0 0 170,270
BANK AMERICA CORP 7.25%CNV PFD L 060505682   2,560,898 2,193 SH   SOLE   0 0 2,193
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 724,317 25,326 SH   SOLE   0 0 25,326
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 62,324,349 201,847 SH   SOLE   0 0 201,847
BLACKROCK INC COM 09247X101 BBG001SDBP55 345,936 517 SH   SOLE   0 0 517
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 273,199 103 SH   SOLE   0 0 103
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 201,277 2,904 SH   SOLE   0 0 2,904
CARMAX INC COM 143130102 BBG001SD9561 45,907,560 714,181 SH   SOLE   0 0 714,181
CATERPILLAR INC COM 149123101 BBG001S5PJ06 4,388,241 19,176 SH   SOLE   0 0 19,176
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 367,770 2,254 SH   SOLE   0 0 2,254
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 949,152 4,888 SH   SOLE   0 0 4,888
CISCO SYS INC COM 17275R102 BBG001S6HC62 4,121,837 78,849 SH   SOLE   0 0 78,849
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 237,029 5,055 SH   SOLE   0 0 5,055
COCA COLA CO COM 191216100 BBG001S5SMQ8 599,707 9,668 SH   SOLE   0 0 9,668
DEERE & CO COM 244199105 BBG001S5QFF7 390,585 946 SH   SOLE   0 0 946
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 632,319 3,490 SH   SOLE   0 0 3,490
DISNEY WALT CO COM 254687106 BBG001S5QHF3 56,726,704 566,531 SH   SOLE   0 0 566,531
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 21,814,916 103,654 SH   SOLE   0 0 103,654
EATON CORP PLC SHS G29183103 BBG001S5QZ45 5,669,035 33,086 SH   SOLE   0 0 33,086
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 4,899,120 56,221 SH   SOLE   0 0 56,221
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 235,949 9,110 SH   SOLE   0 0 9,110
EOG RES INC COM 26875P101 BBG001S5ZB93 458,520 4,000 SH   SOLE   0 0 4,000
ESSEX PPTY TR INC COM 297178105 BBG001S81418 334,415 1,599 SH   SOLE   0 0 1,599
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 307,597 2,805 SH   SOLE   0 0 2,805
FISERV INC COM 337738108 BBG001S5R6Q4 69,210,948 612,324 SH   SOLE   0 0 612,324
GRAINGER W W INC COM 384802104 BBG001S5RRD2 30,009,123 43,567 SH   SOLE   0 0 43,567
HOME DEPOT INC COM 437076102 BBG001S5RTW7 341,749 1,158 SH   SOLE   0 0 1,158
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 329,167 2,511 SH   SOLE   0 0 2,511
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 30,017,869 302,508 SH   SOLE   0 0 302,508
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 605,529 1,473 SH   SOLE   0 0 1,473
ISHARES TR IBONDS 23 TRM TS 46436E882 BBG00RYQY150 27,057,723 1,090,597 SH   SOLE   0 0 1,090,597
ISHARES TR IBONDS 24 TRM TS 46436E874 BBG00RYR0PY0 27,090,571 1,128,304 SH   SOLE   0 0 1,128,304
ISHARES TR IBONDS DEC 2031 46436E486 BBG011HVQSJ9 28,667,484 1,388,922 SH   SOLE   0 0 1,388,922
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 23,033,794 1,006,722 SH   SOLE   0 0 1,006,722
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 18,036,058 716,001 SH   SOLE   0 0 716,001
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 26,952,473 1,096,075 SH   SOLE   0 0 1,096,075
ISHARES TR IBONDS DEC25 ETF 46434VBD1 BBG0088JX9H8 32,760,982 1,335,548 SH   SOLE   0 0 1,335,548
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 641,655 5,820 SH   SOLE   0 0 5,820
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,073,244 26,279 SH   SOLE   0 0 26,279
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 354,574 2,721 SH   SOLE   0 0 2,721
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,979,761 29,651 SH   SOLE   0 0 29,651
LABORATORY CORP AMER HLDGS COM NEW 50540R409 BBG001S7RX54 212,214 925 SH   SOLE   0 0 925
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 4,315,080 9,128 SH   SOLE   0 0 9,128
LOWES COS INC COM 548661107 BBG001S5SVL3 50,699,350 253,535 SH   SOLE   0 0 253,535
M & T BK CORP COM 55261F104 BBG001S7S2B4 2,812,670 23,523 SH   SOLE   0 0 23,523
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 50,266,978 138,320 SH   SOLE   0 0 138,320
MCDONALDS CORP COM 580135101 BBG001S5T110 4,380,418 15,666 SH   SOLE   0 0 15,666
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 29,096,993 360,915 SH   SOLE   0 0 360,915
MERCK & CO INC COM 58933Y105 BBG001S5TC52 324,809 3,053 SH   SOLE   0 0 3,053
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 58,736,266 277,136 SH   SOLE   0 0 277,136
MICROSOFT CORP COM 594918104 BBG001S5TD05 72,323,349 250,861 SH   SOLE   0 0 250,861
MOODYS CORP COM 615369105 BBG001S5VP87 37,440,719 122,347 SH   SOLE   0 0 122,347
NETFLIX INC COM 64110L106 BBG001SF6L46 41,982,730 121,520 SH   SOLE   0 0 121,520
NEWTEKONE INC COM NEW 652526203 BBG001S9PYW0 128,000 10,000 SH   SOLE   0 0 10,000
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 369,599 4,795 SH   SOLE   0 0 4,795
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 398,878 1,436 SH   SOLE   0 0 1,436
OXFORD LANE CAP CORP COM 691543102 BBG001T93HP8 104,600 20,000 SH   SOLE   0 0 20,000
PEPSICO INC COM 713448108 BBG001S695T1 864,400 4,742 SH   SOLE   0 0 4,742
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 4,645,622 31,244 SH   SOLE   0 0 31,244
PROGRESSIVE CORP COM 743315103 BBG001S5V509 5,985,774 41,841 SH   SOLE   0 0 41,841
QUALCOMM INC COM 747525103 BBG001S6VS70 679,561 5,327 SH   SOLE   0 0 5,327
ROSS STORES INC COM 778296103 BBG001S5VRS1 34,612,647 326,134 SH   SOLE   0 0 326,134
SALESFORCE INC COM 79466L302 BBG001SDLP09 40,964,889 205,050 SH   SOLE   0 0 205,050
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 45,392,624 866,602 SH   SOLE   0 0 866,602
SOUTHERN CO COM 842587107 BBG001S5W777 518,371 7,450 SH   SOLE   0 0 7,450
STARBUCKS CORP COM 855244109 BBG001S72KH6 33,918,070 325,728 SH   SOLE   0 0 325,728
SYSCO CORP COM 871829107 BBG001S5WJS8 4,436,741 57,448 SH   SOLE   0 0 57,448
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 58,753,301 631,619 SH   SOLE   0 0 631,619
TARGET CORP COM 87612E106 BBG001SC0K41 3,344,733 20,194 SH   SOLE   0 0 20,194
TESLA INC COM 88160R101 BBG001SQKGD7 221,775 1,069 SH   SOLE   0 0 1,069
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 BBG005GXFKK5 120,800 10,000 SH   SOLE   0 0 10,000
ULTA BEAUTY INC COM 90384S303 BBG00FWQ4W44 26,674,090 48,883 SH   SOLE   0 0 48,883
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,221,314 6,068 SH   SOLE   0 0 6,068
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 4,419,312 22,781 SH   SOLE   0 0 22,781
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 2,646,138 73,402 SH   SOLE   0 0 73,402
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 3,137,405 80,674 SH   SOLE   0 0 80,674
VISA INC COM CL A 92826C839 BBG001SRCFY3 64,327,958 285,319 SH   SOLE   0 0 285,319
WALMART INC COM 931142103 BBG001S5XH92 279,271 1,894 SH   SOLE   0 0 1,894
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 30,381,879 812,784 SH   SOLE   0 0 812,784
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,873,579 2,443 SH   SOLE   0 0 2,443
XAI OCTAGON FLOATING RATE & COM 98400T106 BBG00HMS4SD6 64,250 10,000 SH   SOLE   0 0 10,000
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 BBG001S6SX73 57,247,930 180,025 SH   SOLE   0 0 180,025