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
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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
AbbVie Inc. COM 00287y109   1,938,519 11,302 SH   SOLE   11,302 0 0
Accenture PLC - Cl A COM G1151C101   2,818,375 9,289 SH   SOLE   9,289 0 0
Alimentation Couche-Tard Inc. COM 01626p148   1,617,120 28,800 SH   SOLE   28,800 0 0
Alphabet, Inc. - Cl A COM 02079k305   5,690,366 31,240 SH   SOLE   31,240 0 0
Alphabet, Inc. - Cl C COM 02079k107   4,336,052 23,640 SH   SOLE   23,640 0 0
Altria Group, Inc. COM 02209s103   362,851 7,966 SH   SOLE   7,966 0 0
Amazon.com, Inc. COM 023135106   941,127 4,870 SH   SOLE   4,870 0 0
Amgen, Inc. COM 031162100   3,169,180 10,143 SH   SOLE   10,143 0 0
Apple Inc. COM 037833100   14,420,941 68,469 SH   SOLE   68,469 0 0
Bank of America Corp. COM 060505104   808,643 20,333 SH   SOLE   20,333 0 0
Berkshire Hathaway, Inc. - Cla COM 084670702   7,422,880 18,247 SH   SOLE   18,247 0 0
Berkshire Hathaway, Inc. - Cla COM 084670108   612,241 1 SH   SOLE   1 0 0
BNY Mellon Corp. COM 064058100   1,562,830 26,095 SH   SOLE   26,095 0 0
Cameco Corp. COM 13321L108   1,999,242 40,635 SH   SOLE   40,635 0 0
CF Industries Hldgs, Inc. COM 125269100   1,114,468 15,036 SH   SOLE   15,036 0 0
Charter Communications, Inc. COM 16119p108   398,514 1,333 SH   SOLE   1,333 0 0
Chevron Corp. COM 166764100   205,692 1,315 SH   SOLE   1,315 0 0
Chubb Ltd. COM H1467J104   353,796 1,387 SH   SOLE   1,387 0 0
Cisco Systems, Inc. COM 17275R102   2,094,003 44,075 SH   SOLE   44,075 0 0
Coca-Cola Co. COM 191216100   622,242 9,776 SH   SOLE   9,776 0 0
Comcast Corp. Cl A COM 20030n101   1,070,047 27,325 SH   SOLE   27,325 0 0
ConocoPhillips COM 20825c104   2,234,185 19,533 SH   SOLE   19,533 0 0
Costco Wholesale Corp. COM 22160k105   769,241 905 SH   SOLE   905 0 0
Diageo, plc COM 25243q205   1,265,465 10,037 SH   SOLE   10,037 0 0
Discover Financial Services COM 254709108   401,587 3,070 SH   SOLE   3,070 0 0
Edgewell Personal Care Co. COM 28035q102   400,172 9,957 SH   SOLE   9,957 0 0
Eli Lilly & Co. COM 532457108   814,842 900 SH   SOLE   900 0 0
Energizer Holdings, Inc. COM 29272W109   229,821 7,780 SH   SOLE   7,780 0 0
Exxon Mobil Corp. COM 30231G102   1,479,637 12,853 SH   SOLE   12,853 0 0
Fair Isaac Corp. COM 303250104   677,340 455 SH   SOLE   455 0 0
FedEx Corp. COM 31428x106   607,776 2,027 SH   SOLE   2,027 0 0
Fomento Economico Mexicano, S. COM 344419106   954,855 8,870 SH   SOLE   8,870 0 0
Home Depot, Inc. COM 437076102   5,649,667 16,412 SH   SOLE   16,412 0 0
Intel Corp. COM 458140100   1,143,398 36,920 SH   SOLE   36,920 0 0
Invesco QQQ Trust ETF 46090e103   407,243 850 SH   SOLE   850 0 0
iShares MSCI EAFE Index Fund ETF 464287465   366,584 4,680 SH   SOLE   4,680 0 0
iShares PHLX Semiconductor ETF ETF 464287523   277,459 1,125 SH   SOLE   1,125 0 0
iShares S&P 100 Index Fund ETF 464287101   1,182,742 4,475 SH   SOLE   4,475 0 0
J.P. Morgan Chase & Co. COM 46625h100   1,060,247 5,242 SH   SOLE   5,242 0 0
Johnson & Johnson COM 478160104   2,300,558 15,740 SH   SOLE   15,740 0 0
Kimberly-Clark Corp. COM 494368103   550,727 3,985 SH   SOLE   3,985 0 0
Labcorp Holdings COM 504922105   1,430,268 7,028 SH   SOLE   7,028 0 0
Liberty Global plc - Series C COM G61188127   340,846 19,095 SH   SOLE   19,095 0 0
Lincoln Electric Hldgs, Inc. COM 533900106   1,434,796 7,606 SH   SOLE   7,606 0 0
Manulife Financial Corp. COM 56501r106   289,785 10,886 SH   SOLE   10,886 0 0
McDonald's Corp. COM 580135101   504,583 1,980 SH   SOLE   1,980 0 0
McKesson Corp. COM 58155Q103   5,598,607 9,586 SH   SOLE   9,586 0 0
Meta Platforms, Inc. - Cl A COM 30303m102   1,511,652 2,998 SH   SOLE   2,998 0 0
Microsoft Corp. COM 594918104   12,431,020 27,813 SH   SOLE   27,813 0 0
Nestle SA COM 641069406   617,056 6,023 SH   SOLE   6,023 0 0
NVR, Inc. COM 62944t105   1,327,998 175 SH   SOLE   175 0 0
Occidental Petroleum Corp. COM 674599105   246,762 3,915 SH   SOLE   3,915 0 0
Oracle Corp. COM 68389X105   4,035,496 28,580 SH   SOLE   28,580 0 0
PepsiCo, Inc. COM 713448108   710,848 4,310 SH   SOLE   4,310 0 0
Philip Morris Int'l Inc. COM 718172109   2,097,357 20,698 SH   SOLE   20,698 0 0
Progressive Corp. COM 743315103   1,897,846 9,137 SH   SOLE   9,137 0 0
Schlumberger Ltd. COM 806857108   357,388 7,575 SH   SOLE   7,575 0 0
Schwab U.S. Broad Market ETF ETF 808524102   278,514 4,430 SH   SOLE   4,430 0 0
Select Sector SPDR - Communica ETF 81369y852   325,508 3,800 SH   SOLE   3,800 0 0
Select Sector SPDR - Consumer ETF 81369y407   492,480 2,700 SH   SOLE   2,700 0 0
Select Sector SPDR - Health Ca ETF 81369y209   247,775 1,700 SH   SOLE   1,700 0 0
Select Sector SPDR - Industria ETF 81369y704   322,955 2,650 SH   SOLE   2,650 0 0
Select Sector SPDR - Technolog ETF 81369y803   785,018 3,470 SH   SOLE   3,470 0 0
Shell PLC - ADR COM 780259305   557,590 7,725 SH   SOLE   7,725 0 0
Southern Co. COM 842587107   223,634 2,883 SH   SOLE   2,883 0 0
SPDR Dow Jones Industrial ETF ETF 78467x109   254,234 650 SH   SOLE   650 0 0
SPDR S&P 500 ETF Trust ETF 78462f103   3,398,654 6,245 SH   SOLE   6,245 0 0
The Interpublic Group of Cos., COM 460690100   958,981 32,966 SH   SOLE   32,966 0 0
The Procter & Gamble Co. COM 742718109   1,765,469 10,705 SH   SOLE   10,705 0 0
The Walt Disney Co. COM 254687106   1,857,815 18,711 SH   SOLE   18,711 0 0
Trane Technologies PLC COM G8994E103   378,269 1,150 SH   SOLE   1,150 0 0
Truist Financial Corp. COM 89832q109   258,352 6,650 SH   SOLE   6,650 0 0
Union Pacific Corp. COM 907818108   1,470,237 6,498 SH   SOLE   6,498 0 0
Unum Group COM 91529y106   1,114,198 21,800 SH   SOLE   21,800 0 0
Vanguard Dividend Appreciation ETF 921908844   5,626,191 30,820 SH   SOLE   30,820 0 0
Vanguard Emerging Markets ETF ETF 922042858   386,838 8,840 SH   SOLE   8,840 0 0
Vanguard Total Stock Market ET ETF 922908769   3,873,545 14,480 SH   SOLE   14,480 0 0
Verizon Communications, Inc. COM 92343v104   823,068 19,958 SH   SOLE   19,958 0 0
Walmart Inc. COM 931142103   4,212,916 62,220 SH   SOLE   62,220 0 0
Yelp Inc. COM 985817105   340,864 9,225 SH   SOLE   9,225 0 0