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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,429 8,827 SH   SOLE   8,827 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 3,268 40,851 SH   SOLE   40,851 0 0
ALLSTATE CORP COM 020002101 6,499 52,190 SH   SOLE   52,190 0 0
ALPHABET INC CAP STK CL A 02079K305 5,906 61,742 SH   SOLE   61,742 0 0
AMAZON COM INC COM 023135106 3,977 35,199 SH   SOLE   35,199 0 0
AMERICAN EXPRESS CO COM 025816109 4,612 34,189 SH   SOLE   34,189 0 0
APPLE INC COM 037833100 2,635 19,068 SH   SOLE   19,068 0 0
BK OF AMERICA CORP COM 060505104 211 6,977 SH   SOLE   6,977 0 0
BANK MONTREAL QUE COM 063671101 3,742 42,363 SH   SOLE   42,363 0 0
BANK NOVA SCOTIA HALIFAX COM 064149107 4,662 97,289 SH   SOLE   97,289 0 0
BCE INC COM NEW 05534B760 3,269 77,356 SH   SOLE   77,356 0 0
BECTON DICKINSON & CO COM 075887109 3,701 16,609 SH   SOLE   16,609 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,377 23,882 SH   SOLE   23,882 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   SOLE   1 0 0
CANADIAN IMPERIAL BK COMM TO COM 136069101 4,284 97,132 SH   SOLE   97,132 0 0
CANADIAN NATL RY CO COM 136375102 3,756 34,514 SH   SOLE   34,514 0 0
CANADIAN PAC RY LTD COM 13645T100 3,924 58,325 SH   SOLE   58,325 0 0
CISCO SYS INC COM 17275R102 4,744 118,593 SH   SOLE   118,593 0 0
CORTEVA INC COM 22052L104 6,625 115,915 SH   SOLE   115,915 0 0
CVS HEALTH CORP COM 126650100 7,083 74,271 SH   SOLE   74,271 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 6,449 37,980 SH   SOLE   37,980 0 0
ELECTRONIC ARTS INC COM 285512109 5,161 44,603 SH   SOLE   44,603 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 5,153 17,583 SH   SOLE   17,583 0 0
ING GROEP N.V. SPONSORED ADR 456837103 4,897 576,154 SH   SOLE   576,154 0 0
ISHARES TR IBOXX HI YD ETF 464288513 2,293 32,124 SH   SOLE   32,124 0 0
ISHARES INC MSCI WORLD ETF 464286392 334 3,338 SH   SOLE   3,338 0 0
JOHNSON & JOHNSON COM 478160104 1,171 7,169 SH   SOLE   7,169 0 0
JPMORGAN CHASE & CO COM 46625H100 2,725 26,075 SH   SOLE   26,075 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 1,707 110,903 SH   SOLE   110,903 0 0
KRAFT HEINZ CO COM 500754106 1,910 57,263 SH   SOLE   57,263 0 0
MAGNA INTL INC COM 559222401 2,612 54,647 SH   SOLE   54,647 0 0
MANULIFE FINL CORP COM 56501R106 3,114 196,908 SH   SOLE   196,908 0 0
MCDONALDS CORP COM 580135101 402 1,744 SH   SOLE   1,744 0 0
MERCK & CO INC COM 58933Y105 278 3,223 SH   SOLE   3,223 0 0
META PLATFORMS INC CL A 30303M102 3,230 23,808 SH   SOLE   23,808 0 0
MICROSOFT CORP COM 594918104 6,486 27,850 SH   SOLE   27,850 0 0
MIDDLEBY CORP COM 596278101 3,288 25,650 SH   SOLE   25,650 0 0
MORGAN STANLEY COM NEW 617446448 4,279 54,162 SH   SOLE   54,162 0 0
NUTRIEN LTD COM 67077M108 3,828 45,552 SH   SOLE   45,552 0 0
OPEN TEXT CORP COM 683715106 2,223 83,440 SH   SOLE   83,440 0 0
PEPSICO INC COM 713448108 236 1,444 SH   SOLE   1,444 0 0
PFIZER INC COM 717081103 293 6,688 SH   SOLE   6,688 0 0
PROCTER AND GAMBLE CO COM 742718109 429 3,396 SH   SOLE   3,396 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 2,340 60,290 SH   SOLE   60,290 0 0
ROYAL BK CDA COM 780087102 7,841 86,421 SH   SOLE   86,421 0 0
SCOTTS MIRACLE-GRO CO CL A 810186106 1,760 41,170 SH   SOLE   41,170 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 1,929 83,055 SH   SOLE   83,055 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 1,306 14,871 SH   SOLE   14,871 0 0
STATE STR CORP COM 857477103 1,891 31,095 SH   SOLE   31,095 0 0
SUN LIFE FINANCIAL INC. COM 866796105 3,704 92,428 SH   SOLE   92,428 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 3,377 49,256 SH   SOLE   49,256 0 0
TC ENERGY CORP COM 87807B107 2,778 102,146 SH   SOLE   102,146 0 0
TELUS CORPORATION COM 87971M103 2,986 149,245 SH   SOLE   149,245 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 5,719 92,528 SH   SOLE   92,528 0 0
TRACTOR SUPPLY CO COM 892356106 3,500 18,830 SH   SOLE   18,830 0 0
UNILEVER PLC SPON ADR NEW 904767704 3,636 82,935 SH   SOLE   82,935 0 0
VIATRIS INC COM 92556V106 5,606 658,026 SH   SOLE   658,026 0 0
VISA INC COM CL A 92826C839 5,018 28,245 SH   SOLE   28,245 0 0
DISNEY WALT CO COM 254687106 5,415 57,409 SH   SOLE   57,409 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 2,528 219,832 SH   SOLE   219,832 0 0