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
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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   2,231,919 11,302 SH   SOLE   11,302 0 0
Accenture PLC - Cl A COM G1151C101   3,283,476 9,289 SH   SOLE   9,289 0 0
Alimentation Couche-Tard Inc. COM 01626p148   1,594,656 28,800 SH   SOLE   28,800 0 0
Alphabet, Inc. - Cl A COM 02079k305   5,181,154 31,240 SH   SOLE   31,240 0 0
Alphabet, Inc. - Cl C COM 02079k107   3,952,374 23,640 SH   SOLE   23,640 0 0
Altria Group, Inc. COM 02209s103   406,585 7,966 SH   SOLE   7,966 0 0
Amazon.com, Inc. COM 023135106   907,427 4,870 SH   SOLE   4,870 0 0
Amgen, Inc. COM 031162100   3,268,176 10,143 SH   SOLE   10,143 0 0
Apple Inc. COM 037833100   15,848,427 68,019 SH   SOLE   68,019 0 0
Bank of America Corp. COM 060505104   806,813 20,333 SH   SOLE   20,333 0 0
Berkshire Hathaway, Inc. - Cla COM 084670702   8,398,364 18,247 SH   SOLE   18,247 0 0
Berkshire Hathaway, Inc. - Cla COM 084670108   691,180 1 SH   SOLE   1 0 0
BNY Mellon Corp. COM 064058100   1,875,187 26,095 SH   SOLE   26,095 0 0
Cameco Corp. COM 13321L108   1,940,728 40,635 SH   SOLE   40,635 0 0
CF Industries Hldgs, Inc. COM 125269100   1,290,089 15,036 SH   SOLE   15,036 0 0
Charter Communications, Inc. COM 16119p108   431,999 1,333 SH   SOLE   1,333 0 0
Chubb Ltd. COM H1467J104   399,997 1,387 SH   SOLE   1,387 0 0
Cisco Systems, Inc. COM 17275R102   2,345,671 44,075 SH   SOLE   44,075 0 0
Coca-Cola Co. COM 191216100   680,945 9,476 SH   SOLE   9,476 0 0
Comcast Corp. Cl A COM 20030n101   1,141,365 27,325 SH   SOLE   27,325 0 0
ConocoPhillips COM 20825c104   2,056,434 19,533 SH   SOLE   19,533 0 0
Costco Wholesale Corp. COM 22160k105   802,301 905 SH   SOLE   905 0 0
Diageo, plc COM 25243q205   1,411,399 10,057 SH   SOLE   10,057 0 0
Discover Financial Services COM 254709108   430,690 3,070 SH   SOLE   3,070 0 0
Edgewell Personal Care Co. COM 28035q102   361,837 9,957 SH   SOLE   9,957 0 0
Eli Lilly & Co. COM 532457108   799,118 902 SH   SOLE   902 0 0
Energizer Holdings, Inc. COM 29272W109   247,093 7,780 SH   SOLE   7,780 0 0
Exxon Mobil Corp. COM 30231G102   1,506,629 12,853 SH   SOLE   12,853 0 0
Fair Isaac Corp. COM 303250104   884,302 455 SH   SOLE   455 0 0
FedEx Corp. COM 31428x106   554,749 2,027 SH   SOLE   2,027 0 0
Fomento Economico Mexicano, S. COM 344419106   875,558 8,870 SH   SOLE   8,870 0 0
Hawkins, Inc. COM 420261109   246,017 1,930 SH   SOLE   1,930 0 0
Home Depot, Inc. COM 437076102   6,650,142 16,412 SH   SOLE   16,412 0 0
Intel Corp. COM 458140100   861,909 36,740 SH   SOLE   36,740 0 0
Invesco QQQ Trust ETF 46090E103   414,859 850 SH   SOLE   850 0 0
iShares MSCI ACWI Index Fund ETF 464288240   208,853 3,650 SH   SOLE   3,650 0 0
iShares MSCI EAFE Index Fund ETF 464287465   391,388 4,680 SH   SOLE   4,680 0 0
iShares PHLX Semiconductor ETF ETF 464287523   259,414 1,125 SH   SOLE   1,125 0 0
iShares S&P 100 Index Fund ETF 464287101   1,238,501 4,475 SH   SOLE   4,475 0 0
iShares U.S. Insurance ETF ETF 464288786   209,706 1,625 SH   SOLE   1,625 0 0
J.P. Morgan Chase & Co. COM 46625h100   1,105,328 5,242 SH   SOLE   5,242 0 0
Johnson & Johnson COM 478160104   2,550,824 15,740 SH   SOLE   15,740 0 0
Kimberly-Clark Corp. COM 494368103   566,986 3,985 SH   SOLE   3,985 0 0
Labcorp Holdings COM 504922105   1,570,617 7,028 SH   SOLE   7,028 0 0
Liberty Global plc - Series C COM G61188127   412,643 19,095 SH   SOLE   19,095 0 0
Lincoln Electric Hldgs, Inc. COM 533900106   1,460,504 7,606 SH   SOLE   7,606 0 0
Manulife Financial Corp. COM 56501r106   321,681 10,886 SH   SOLE   10,886 0 0
McDonald's Corp. COM 580135101   602,930 1,980 SH   SOLE   1,980 0 0
McKesson Corp. COM 58155Q103   4,741,488 9,590 SH   SOLE   9,590 0 0
Meta Platforms, Inc. - Cl A COM 30303m102   1,716,175 2,998 SH   SOLE   2,998 0 0
Microsoft Corp. COM 594918104   11,967,934 27,813 SH   SOLE   27,813 0 0
Nestle SA COM 641069406   606,335 6,023 SH   SOLE   6,023 0 0
NVR, Inc. COM 62944t105   1,717,065 175 SH   SOLE   175 0 0
Occidental Petroleum Corp. COM 674599105   201,779 3,915 SH   SOLE   3,915 0 0
Oracle Corp. COM 68389X105   4,870,032 28,580 SH   SOLE   28,580 0 0
PepsiCo, Inc. COM 713448108   732,915 4,310 SH   SOLE   4,310 0 0
Philip Morris Int'l Inc. COM 718172109   2,512,933 20,700 SH   SOLE   20,700 0 0
Progressive Corp. COM 743315103   2,318,605 9,137 SH   SOLE   9,137 0 0
Schlumberger Ltd. COM 806857108   317,771 7,575 SH   SOLE   7,575 0 0
Schwab U.S. Broad Market ETF ETF 808524102   294,684 4,430 SH   SOLE   4,430 0 0
Select Sector SPDR - Communica ETF 81369y852   343,520 3,800 SH   SOLE   3,800 0 0
Select Sector SPDR - Consumer ETF 81369y407   540,999 2,700 SH   SOLE   2,700 0 0
Select Sector SPDR - Health Ca ETF 81369y209   261,834 1,700 SH   SOLE   1,700 0 0
Select Sector SPDR - Industria ETF 81369y704   358,916 2,650 SH   SOLE   2,650 0 0
Select Sector SPDR - Materials ETF 81369y100   208,663 2,165 SH   SOLE   2,165 0 0
Select Sector SPDR - Technolog ETF 81369y803   783,387 3,470 SH   SOLE   3,470 0 0
Shell PLC - ADR COM 780259305   509,464 7,725 SH   SOLE   7,725 0 0
Southern Co. COM 842587107   259,989 2,883 SH   SOLE   2,883 0 0
SPDR Dow Jones Industrial ETF ETF 78467x109   275,028 650 SH   SOLE   650 0 0
SPDR S&P 500 ETF Trust ETF 78462f103   3,583,131 6,245 SH   SOLE   6,245 0 0
Target Corp. COM 87612E122   210,411 1,350 SH   SOLE   1,350 0 0
The Interpublic Group of Cos., COM 460690100   1,042,715 32,966 SH   SOLE   32,966 0 0
The Procter & Gamble Co. COM 742718109   1,854,106 10,705 SH   SOLE   10,705 0 0
The Walt Disney Co. COM 254687106   1,799,811 18,711 SH   SOLE   18,711 0 0
Trane Technologies PLC COM G8994E103   447,039 1,150 SH   SOLE   1,150 0 0
Truist Financial Corp. COM 89832q109   284,420 6,650 SH   SOLE   6,650 0 0
Union Pacific Corp. COM 907818108   1,601,627 6,498 SH   SOLE   6,498 0 0
Vanguard Dividend Appreciation ETF 921908844   6,104,209 30,820 SH   SOLE   30,820 0 0
Vanguard Emerging Markets ETF ETF 922042858   422,994 8,840 SH   SOLE   8,840 0 0
Vanguard Total Stock Market ET ETF 922908769   4,100,157 14,480 SH   SOLE   14,480 0 0
Verizon Communications, Inc. COM 92343v104   896,314 19,958 SH   SOLE   19,958 0 0
Walmart Inc. COM 931142103   5,024,265 62,220 SH   SOLE   62,220 0 0
Yelp Inc. COM 985817105   323,613 9,225 SH   SOLE   9,225 0 0