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 4,659,125 43,925 SH   SOLE   0 0 43,925
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 535,010 2,938 SH   SOLE   0 0 2,938
ABRDN GLOBAL PREMIER PPTYS F COM SH BEN INT 00302L108 BBG001SSZNJ6 67,320 17,000 SH   SOLE   0 0 17,000
ADOBE INC COM 00724F101 BBG001S5NCQ5 348,174 690 SH   SOLE   0 0 690
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 65,191,818 448,023 SH   SOLE   0 0 448,023
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 81,247,645 538,313 SH   SOLE   0 0 538,313
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,164,970 14,219 SH   SOLE   0 0 14,219
AMAZON COM INC COM 023135106 BBG001S5PQL7 79,786,764 442,326 SH   SOLE   0 0 442,326
AMBEV SA SPONSORED ADR 02319V103 BBG005KLVT74 70,442 28,404 SH   SOLE   0 0 28,404
APPLE INC COM 037833100 BBG001S5N8V8 3,708,427 21,626 SH   SOLE   0 0 21,626
AT&T INC COM 00206R102 BBG001S5VWH2 3,894,247 221,264 SH   SOLE   0 0 221,264
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 213,778 856 SH   SOLE   0 0 856
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 BBG001S5XP76 214,032 18,077 SH   SOLE   0 0 18,077
BANK AMERICA CORP 7.25%CNV PFD L 060505682   2,457,911 2,059 SH   SOLE   0 0 2,059
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 553,547 14,598 SH   SOLE   0 0 14,598
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 61,117,499 145,338 SH   SOLE   0 0 145,338
BLACKROCK INC COM 09247X101 BBG001SDBP55 415,183 498 SH   SOLE   0 0 498
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 311,998 86 SH   SOLE   0 0 86
BROADCOM INC COM 11135F101 BBG00KHY5SY8 266,408 201 SH   SOLE   0 0 201
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105 BBG019Z17GF9 5,304,311 126,233 SH   SOLE   0 0 126,233
CARMAX INC COM 143130102 BBG001SD9561 65,297,141 749,594 SH   SOLE   0 0 749,594
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 36,567,200 629,059 SH   SOLE   0 0 629,059
CATERPILLAR INC COM 149123101 BBG001S5PJ06 6,560,197 17,903 SH   SOLE   0 0 17,903
CENCORA INC COM 03073E105 BBG001S8X7P0 7,471,700 30,749 SH   SOLE   0 0 30,749
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 507,199 3,215 SH   SOLE   0 0 3,215
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 1,299,537 5,015 SH   SOLE   0 0 5,015
CISCO SYS INC COM 17275R102 BBG001S6HC62 4,310,777 86,371 SH   SOLE   0 0 86,371
COCA COLA CO COM 191216100 BBG001S5SMQ8 463,867 7,582 SH   SOLE   0 0 7,582
CONSTRUCTION PARTNERS INC COM CL A 21044C107 BBG00KK0CFZ7 207,699 3,699 SH   SOLE   0 0 3,699
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 215,235 294 SH   SOLE   0 0 294
DEERE & CO COM 244199105 BBG001S5QFF7 325,717 793 SH   SOLE   0 0 793
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 488,016 3,281 SH   SOLE   0 0 3,281
DISNEY WALT CO COM 254687106 BBG001S5QHF3 50,511,841 412,813 SH   SOLE   0 0 412,813
EATON CORP PLC SHS G29183103 BBG001S5QZ45 7,308,583 23,374 SH   SOLE   0 0 23,374
ELI LILLY & CO COM 532457108 BBG001S5STL8 265,285 341 SH   SOLE   0 0 341
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 6,832,421 60,240 SH   SOLE   0 0 60,240
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 265,830 9,110 SH   SOLE   0 0 9,110
EOG RES INC COM 26875P101 BBG001S5ZB93 511,360 4,000 SH   SOLE   0 0 4,000
ESSEX PPTY TR INC COM 297178105 BBG001S81418 391,452 1,599 SH   SOLE   0 0 1,599
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 343,838 2,958 SH   SOLE   0 0 2,958
FEDEX CORP COM 31428X106 BBG001S5R3M5 260,477 899 SH   SOLE   0 0 899
FISERV INC COM 337738108 BBG001S5R6Q4 87,466,961 547,284 SH   SOLE   0 0 547,284
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106 BBG001S5W9K8 266,793 2,048 SH   SOLE   0 0 2,048
GRAINGER W W INC COM 384802104 BBG001S5RRD2 314,346 309 SH   SOLE   0 0 309
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 170,930 20,133 SH   SOLE   0 0 20,133
HOME DEPOT INC COM 437076102 BBG001S5RTW7 469,527 1,224 SH   SOLE   0 0 1,224
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 459,641 2,407 SH   SOLE   0 0 2,407
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 36,281,113 364,891 SH   SOLE   0 0 364,891
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 242,960 4,000 SH   SOLE   0 0 4,000
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 335,429 3,035 SH   SOLE   0 0 3,035
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 777,376 1,479 SH   SOLE   0 0 1,479
ISHARES TR IBONDS 25 TRM TS 46436E866 BBG00RYR2N19 34,803,396 1,498,209 SH   SOLE   0 0 1,498,209
ISHARES TR IBONDS DEC 2030 46436E726 BBG00VJHRTY3 23,855,407 1,114,739 SH   SOLE   0 0 1,114,739
ISHARES TR IBONDS DEC 2031 46436E486 BBG011HVQSJ9 21,790,938 1,063,491 SH   SOLE   0 0 1,063,491
ISHARES TR IBONDS DEC 2032 46436E312 BBG018GV5WV5 32,446,199 1,307,787 SH   SOLE   0 0 1,307,787
ISHARES TR IBONDS DEC 2033 46436E130 BBG01H4B2BK3 22,978,221 901,814 SH   SOLE   0 0 901,814
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 21,521,909 943,116 SH   SOLE   0 0 943,116
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 21,198,360 888,820 SH   SOLE   0 0 888,820
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 23,846,598 951,960 SH   SOLE   0 0 951,960
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 337,760 4,000 SH   SOLE   0 0 4,000
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 280,215 1,500 SH   SOLE   0 0 1,500
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 623,516 5,805 SH   SOLE   0 0 5,805
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 23,785,155 469,228 SH   SOLE   0 0 469,228
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,676,300 29,561 SH   SOLE   0 0 29,561
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 627,941 3,135 SH   SOLE   0 0 3,135
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 4,349,394 33,625 SH   SOLE   0 0 33,625
KINSALE CAP GROUP INC COM 49714P108 BBG00D8JDB02 225,119 429 SH   SOLE   0 0 429
LINDE PLC SHS G54950103 BBG01FND0CH6 238,215 513 SH   SOLE   0 0 513
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 4,397,684 9,668 SH   SOLE   0 0 9,668
LOWES COS INC COM 548661107 BBG001S5SVL3 69,993,071 274,774 SH   SOLE   0 0 274,774
MANULIFE FINL CORP COM 56501R106 BBG001S76KD6 331,900 13,281 SH   SOLE   0 0 13,281
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 67,323,005 139,799 SH   SOLE   0 0 139,799
MCDONALDS CORP COM 580135101 BBG001S5T110 4,672,476 16,572 SH   SOLE   0 0 16,572
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 33,041,775 379,136 SH   SOLE   0 0 379,136
MERCK & CO INC COM 58933Y105 BBG001S5TC52 422,636 3,203 SH   SOLE   0 0 3,203
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 77,496,658 159,596 SH   SOLE   0 0 159,596
MICROSOFT CORP COM 594918104 BBG001S5TD05 58,818,140 139,804 SH   SOLE   0 0 139,804
MOODYS CORP COM 615369105 BBG001S5VP87 49,244,093 125,293 SH   SOLE   0 0 125,293
NETFLIX INC COM 64110L106 BBG001SF6L46 41,129,603 67,722 SH   SOLE   0 0 67,722
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 322,490 5,046 SH   SOLE   0 0 5,046
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 984,881 1,090 SH   SOLE   0 0 1,090
ONTO INNOVATION INC COM 683344105 BBG001S5THX0 212,226 1,172 SH   SOLE   0 0 1,172
OXFORD LANE CAP CORP COM 691543102 BBG001T93HP8 152,400 30,000 SH   SOLE   0 0 30,000
PEPSICO INC COM 713448108 BBG001S695T1 576,114 3,292 SH   SOLE   0 0 3,292
PIMCO DYNAMIC INCOME FD SHS 72201Y101 BBG002Q8P804 231,480 12,000 SH   SOLE   0 0 12,000
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 5,344,515 32,940 SH   SOLE   0 0 32,940
QUALCOMM INC COM 747525103 BBG001S6VS70 842,907 4,979 SH   SOLE   0 0 4,979
ROSS STORES INC COM 778296103 BBG001S5VRS1 49,649,585 338,305 SH   SOLE   0 0 338,305
SALESFORCE INC COM 79466L302 BBG001SDLP09 55,859,882 185,470 SH   SOLE   0 0 185,470
SAP SE SPON ADR 803054204 BBG001S6RD41 307,368 1,576 SH   SOLE   0 0 1,576
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 201,975 3,685 SH   SOLE   0 0 3,685
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 69,760,409 964,341 SH   SOLE   0 0 964,341
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 298,578 4,454 SH   SOLE   0 0 4,454
SOUTHERN CO COM 842587107 BBG001S5W777 437,614 6,100 SH   SOLE   0 0 6,100
STARBUCKS CORP COM 855244109 BBG001S72KH6 32,023,928 350,410 SH   SOLE   0 0 350,410
SYSCO CORP COM 871829107 BBG001S5WJS8 5,185,748 63,880 SH   SOLE   0 0 63,880
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 100,619,405 739,576 SH   SOLE   0 0 739,576
TARGET CORP COM 87612E106 BBG001SC0K41 7,043,744 39,748 SH   SOLE   0 0 39,748
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 BBG005GXFKK5 94,800 10,000 SH   SOLE   0 0 10,000
ULTA BEAUTY INC COM 90384S303 BBG00FWQ4W44 85,132,675 162,815 SH   SOLE   0 0 162,815
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,502,990 6,111 SH   SOLE   0 0 6,111
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 3,824,399 25,731 SH   SOLE   0 0 25,731
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 217,174 439 SH   SOLE   0 0 439
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 5,015,877 112,212 SH   SOLE   0 0 112,212
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 271,099 1,085 SH   SOLE   0 0 1,085
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 4,223,442 100,654 SH   SOLE   0 0 100,654
VISA INC COM CL A 92826C839 BBG001SRCFY3 84,991,387 304,541 SH   SOLE   0 0 304,541
WALMART INC COM 931142103 BBG001S5XH92 369,324 6,138 SH   SOLE   0 0 6,138
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 52,752,079 910,146 SH   SOLE   0 0 910,146
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,852,060 2,339 SH   SOLE   0 0 2,339
XAI OCTAGN FLT RAT & ALT INM COM 98400T106 BBG00HMS4SD6 70,900 10,000 SH   SOLE   0 0 10,000
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 BBG001S6SX73 61,098,703 202,689 SH   SOLE   0 0 202,689