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   5,422,346 57,660 SH   SOLE 0 0 0 57,660
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   5,025,295 198,589 SH   SOLE 0 0 0 198,589
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,343,962 76,583 SH   SOLE 0 0 0 76,583
ISHARES TR IBOXX INV CP ETF 464287242   9,711,896 95,196 SH   SOLE 0 0 0 95,196
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   883,914 11,762 SH   SOLE 0 0 0 11,762
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   829,474 10,917 SH   SOLE 0 0 0 10,917
ISHARES TR A RATE CP BD ETF 46429B291   450,200 10,000 SH   SOLE 0 0 0 10,000
VANGUARD BD INDEX FDS INTERMED TERM 921937819   788,179 10,900 SH   SOLE 0 0 0 10,900
ISHARES TR ISHS 5-10YR INVT 464288638   4,727,322 97,200 SH   SOLE 0 0 0 97,200
SPDR SER TR PORTFOLIO AGRGTE 78464A649   800,293 32,900 SH   SOLE 0 0 0 32,900
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   459,992 10,400 SH   SOLE 0 0 0 10,400
ISHARES TR MBS ETF 464288588   10,346,976 116,520 SH   SOLE 0 0 0 116,520
ISHARES TR USD INV GRDE ETF 464288620   13,987,409 290,980 SH   SOLE 0 0 0 290,980
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,548,280 38,000 SH   SOLE 0 0 0 38,000
ISHARES TR US TREAS BD ETF 46429B267   1,058,400 48,000 SH   SOLE 0 0 0 48,000
ISHARES TR 10-20 YR TRS ETF 464288653   579,004 5,880 SH   SOLE 0 0 0 5,880
VANGUARD STAR FDS VG TL INTL STK F 921909768   17,967,895 335,723 SH   SOLE 0 0 0 335,723
ISHARES TR CORE MSCI EAFE 46432F842   10,873,541 168,975 SH   SOLE 0 0 0 168,975
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,940,788 46,800 SH   SOLE 0 0 0 46,800
ISHARES INC CORE MSCI EMKT 46434G103   3,861,643 81,144 SH   SOLE 0 0 0 81,144
ILLINOIS TOOL WKS INC COM 452308109   9,117,973 39,590 SH   SOLE 0 0 0 39,590
ECOLAB INC COM 278865100   4,520,270 26,684 SH   SOLE 0 0 0 26,684
PEPSICO INC COM 713448108   10,669,637 62,970 SH   SOLE 0 0 0 62,970
VERISK ANALYTICS INC COM 92345Y106   9,378,728 39,700 SH   SOLE 0 0 0 39,700
DEERE & CO COM 244199105   8,464,633 22,430 SH   SOLE 0 0 0 22,430
GILEAD SCIENCES INC COM 375558103   2,406,323 32,110 SH   SOLE 0 0 0 32,110
WALMART INC COM 931142103   10,902,748 68,172 SH   SOLE 0 0 0 68,172
UNION PAC CORP COM 907818108   8,037,887 39,473 SH   SOLE 0 0 0 39,473
QUALCOMM INC COM 747525103   5,673,500 51,085 SH   SOLE 0 0 0 51,085
LOWES COS INC COM 548661107   8,546,381 41,120 SH   SOLE 0 0 0 41,120
ORACLE CORP COM 68389X105   8,760,643 82,710 SH   SOLE 0 0 0 82,710
VISA INC COM CL A 92826C839   9,340,706 40,610 SH   SOLE 0 0 0 40,610
AMERICAN EXPRESS CO COM 025816109   5,950,443 39,885 SH   SOLE 0 0 0 39,885
HASBRO INC COM 418056107   1,567,518 23,700 SH   SOLE 0 0 0 23,700
CATERPILLAR INC COM 149123101   9,336,600 34,200 SH   SOLE 0 0 0 34,200
BERKSHIRE HATHAWAY INC DEL CL A 084670108   20,196,126 38 SH   SOLE 0 0 0 38
EXXON MOBIL CORP COM 30231G102   7,661,513 65,160 SH   SOLE 0 0 0 65,160
BHP GROUP LTD SPONSORED ADS 088606108   5,385,398 94,680 SH   SOLE 0 0 0 94,680
BRISTOL-MYERS SQUIBB CO COM 110122108   3,122,552 53,800 SH   SOLE 0 0 0 53,800
BOOKING HOLDINGS INC COM 09857L108   3,392,345 1,100 SH   SOLE 0 0 0 1,100
TARGET CORP COM 87612E106   5,262,026 47,590 SH   SOLE 0 0 0 47,590
ABBVIE INC COM 00287Y109   8,583,620 57,585 SH   SOLE 0 0 0 57,585
NEXTERA ENERGY INC COM 65339F101   4,727,571 82,520 SH   SOLE 0 0 0 82,520
CME GROUP INC COM 12572Q105   9,194,102 45,920 SH   SOLE 0 0 0 45,920
MARKEL GROUP INC COM 570535104   1,766,988 1,200 SH   SOLE 0 0 0 1,200
PROCTER AND GAMBLE CO COM 742718109   10,756,446 73,745 SH   SOLE 0 0 0 73,745
3M CO COM 88579Y101   2,244,071 23,970 SH   SOLE 0 0 0 23,970
OTIS WORLDWIDE CORP COM 68902V107   2,505,672 31,200 SH   SOLE 0 0 0 31,200
PFIZER INC COM 717081103   4,836,849 145,820 SH   SOLE 0 0 0 145,820
JPMORGAN CHASE & CO COM 46625H100   4,205,580 29,000 SH   SOLE 0 0 0 29,000
CONSTELLATION BRANDS INC CL A 21036P108   2,588,699 10,300 SH   SOLE 0 0 0 10,300
VERTEX PHARMACEUTICALS INC COM 92532F100   9,597,624 27,600 SH   SOLE 0 0 0 27,600
INTERNATIONAL BUSINESS MACHS COM 459200101   5,400,287 38,491 SH   SOLE 0 0 0 38,491
SHELL PLC SPON ADS 780259305   7,323,225 113,750 SH   SOLE 0 0 0 113,750
BROOKFIELD CORP CL A LTD VT SH 11271J107   1,755,216 56,131 SH   SOLE 0 0 0 56,131
LINDE PLC SHS G54950103   9,844,934 26,440 SH   SOLE 0 0 0 26,440
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,216,942 3,474 SH   SOLE 0 0 0 3,474
ISHARES TR CORE S&P500 ETF COM 464287200   5,902,515 13,745 SH   SOLE 0 0 0 13,745
ISHARES TR CORE MSCI TOTAL COM 46432F834   2,409,996 40,180 SH   SOLE 0 0 0 40,180
ISHARES TR CORE S&P SCP ETF COM 464287804   279,217 2,960 SH   SOLE 0 0 0 2,960