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
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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
ISHARES TR CORE US AGGBD ET 464287226   5,647,797 57,660 SH   SOLE 0 0 0 57,660
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   890,031 11,762 SH   SOLE 0 0 0 11,762
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   862,552 10,917 SH   SOLE 0 0 0 10,917
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   5,260,623 198,589 SH   SOLE 0 0 0 198,589
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,566,052 76,583 SH   SOLE 0 0 0 76,583
ISHARES TR IBOXX INV CP ETF 464287242   10,299,255 95,196 SH   SOLE 0 0 0 95,196
VANGUARD BD INDEX FDS INTERMED TERM 921937819   820,007 10,900 SH   SOLE 0 0 0 10,900
ISHARES TR A RATE CP BD ETF 46429B291   472,100 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR ISHS 5-10YR INVT 464288638   4,910,544 97,200 SH   SOLE 0 0 0 97,200
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   480,272 10,400 SH   SOLE 0 0 0 10,400
SPDR SER TR PORTFOLIO AGRGTE 78464A649   834,673 32,900 SH   SOLE 0 0 0 32,900
ISHARES TR MBS ETF 464288588   10,867,238 116,520 SH   SOLE 0 0 0 116,520
ISHARES TR USD INV GRDE ETF 464288620   14,575,188 290,980 SH   SOLE 0 0 0 290,980
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,846,960 38,000 SH   SOLE 0 0 0 38,000
ISHARES TR US TREAS BD ETF 46429B267   1,099,200 48,000 SH   SOLE 0 0 0 48,000
ISHARES TR 10-20 YR TRS ETF 464288653   651,328 5,880 SH   SOLE 0 0 0 5,880
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,190,224 50,800 SH   SOLE 0 0 0 50,800
VANGUARD STAR FDS VG TL INTL STK F 921909768   20,428,430 364,273 SH   SOLE 0 0 0 364,273
ISHARES TR CORE MSCI EAFE 46432F842   12,178,688 180,425 SH   SOLE 0 0 0 180,425
ISHARES INC CORE MSCI EMKT 46434G103   4,270,683 86,644 SH   SOLE 0 0 0 86,644
ECOLAB INC COM 278865100   4,981,636 26,684 SH   SOLE 0 0 0 26,684
BHP GROUP LTD SPONSORED ADS 088606108   5,649,556 94,680 SH   SOLE 0 0 0 94,680
HASBRO INC COM 418056107   1,535,049 23,700 SH   SOLE 0 0 0 23,700
BOOKING HOLDINGS INC COM 09857L108   2,970,363 1,100 SH   SOLE 0 0 0 1,100
TARGET CORP COM 87612E106   6,277,121 47,590 SH   SOLE 0 0 0 47,590
LOWES COS INC COM 548661107   11,357,224 50,320 SH   SOLE 0 0 0 50,320
WALMART INC COM 931142103   11,689,791 74,372 SH   SOLE 0 0 0 74,372
GILEAD SCIENCES INC COM 375558103   2,474,718 32,110 SH   SOLE 0 0 0 32,110
CONSTELLATION BRANDS INC CL A 21036P108   2,535,139 10,300 SH   SOLE 0 0 0 10,300
BRISTOL-MYERS SQUIBB CO COM 110122108   3,440,510 53,800 SH   SOLE 0 0 0 53,800
3M CO COM 88579Y101   2,399,157 23,970 SH   SOLE 0 0 0 23,970
PFIZER INC COM 717081103   5,348,678 145,820 SH   SOLE 0 0 0 145,820
PHILIP MORRIS INTL INC COM 718172109   7,027,664 71,990 SH   SOLE 0 0 0 71,990
ABBOTT LABS COM 002824100   6,155,269 56,460 SH   SOLE 0 0 0 56,460
ABBVIE INC COM 00287Y109   7,758,427 57,585 SH   SOLE 0 0 0 57,585
ILLINOIS TOOL WKS INC COM 452308109   9,903,834 39,590 SH   SOLE 0 0 0 39,590
MEDTRONIC PLC SHS G5960L103   3,206,488 36,396 SH   SOLE 0 0 0 36,396
PEPSICO INC COM 713448108   12,719,057 68,670 SH   SOLE 0 0 0 68,670
PROCTER AND GAMBLE CO COM 742718109   12,191,550 80,345 SH   SOLE 0 0 0 80,345
BERKSHIRE HATHAWAY INC DEL CL A 084670108   21,748,020 42 SH   SOLE 0 0 0 42
EXXON MOBIL CORP COM 30231G102   6,988,410 65,160 SH   SOLE 0 0 0 65,160
MARKEL GROUP INC COM 570535104   1,659,816 1,200 SH   SOLE 0 0 0 1,200
JPMORGAN CHASE & CO COM 46625H100   4,217,760 29,000 SH   SOLE 0 0 0 29,000
AMERICAN EXPRESS CO COM 025816109   6,947,967 39,885 SH   SOLE 0 0 0 39,885
CME GROUP INC COM 12572Q105   8,508,517 45,920 SH   SOLE 0 0 0 45,920
VISA INC COM CL A 92826C839   11,710,139 49,310 SH   SOLE 0 0 0 49,310
OTIS WORLDWIDE CORP COM 68902V107   2,777,112 31,200 SH   SOLE 0 0 0 31,200
CATERPILLAR INC COM 149123101   8,414,910 34,200 SH   SOLE 0 0 0 34,200
UNION PAC CORP COM 907818108   9,918,545 48,473 SH   SOLE 0 0 0 48,473
DEERE & CO COM 244199105   10,871,248 26,830 SH   SOLE 0 0 0 26,830
QUALCOMM INC COM 747525103   6,081,158 51,085 SH   SOLE 0 0 0 51,085
ORACLE CORP COM 68389X105   11,493,376 96,510 SH   SOLE 0 0 0 96,510
VERISK ANALYTICS INC COM 92345Y106   10,759,028 47,600 SH   SOLE 0 0 0 47,600
NEXTERA ENERGY INC COM 65339F101   6,122,984 82,520 SH   SOLE 0 0 0 82,520
VERTEX PHARMACEUTICALS INC COM 92532F100   11,401,884 32,400 SH   SOLE 0 0 0 32,400
ULTRA CLEAN HLDGS INC COM 90385V107   707,664 18,400 SH   SOLE 0 0 0 18,400
INTERNATIONAL BUSINESS MACHS COM 459200101   5,150,481 38,491 SH   SOLE 0 0 0 38,491
SHELL PLC SPON ADS 780259305   6,868,225 113,750 SH   SOLE 0 0 0 113,750
WARNER BROS DISCOVERY INC COM SER A 934423104   1,401,847 111,790 SH   SOLE 0 0 0 111,790
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   793,492 34,217 SH   SOLE 0 0 0 34,217
BROOKFIELD CORP CL A LTD VT SH 11271J107   1,888,808 56,131 SH   SOLE 0 0 0 56,131
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   460,964 14,127 SH   SOLE 0 0 0 14,127
LINDE PLC SHS G54950103   10,075,755 26,440 SH   SOLE 0 0 0 26,440
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,184,634 3,474 SH   SOLE 0 0 0 3,474
ISHARES TR CORE S&P500 ETF 464287200   6,817,134 15,295 SH   SOLE 0 0 0 15,295
ISHARES TR CORE S&P SCP ETF 464287804   294,964 2,960 SH   SOLE 0 0 0 2,960
ISHARES TR CORE MSCI TOTAL 46432F834   2,516,875 40,180 SH   SOLE 0 0 0 40,180