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   2,008,365 11,302 SH   SOLE   11,302 0 0
Accenture PLC - Cl A COM G1151C101   3,267,777 9,289 SH   SOLE   9,289 0 0
Alimentation Couche-Tard Inc. COM 01626p148   1,604,346 28,865 SH   SOLE   28,865 0 0
Alphabet, Inc. - Cl A COM 02079k305   5,913,732 31,240 SH   SOLE   31,240 0 0
Alphabet, Inc. - Cl C COM 02079k107   4,517,049 23,719 SH   SOLE   23,719 0 0
Altria Group, Inc. COM 02209s103   416,542 7,966 SH   SOLE   7,966 0 0
Amazon.com, Inc. COM 023135106   1,070,623 4,880 SH   SOLE   4,880 0 0
Amgen, Inc. COM 031162100   2,646,278 10,153 SH   SOLE   10,153 0 0
Apple Inc. COM 037833100   17,197,343 68,674 SH   SOLE   68,674 0 0
Bank of America Corp. COM 060505104   899,832 20,474 SH   SOLE   20,474 0 0
Berkshire Hathaway, Inc. - Cla COM 084670702   8,300,917 18,313 SH   SOLE   18,313 0 0
Berkshire Hathaway, Inc. - Cla COM 084670108   680,920 1 SH   SOLE   1 0 0
BNY Mellon Corp. COM 064058100   2,012,485 26,194 SH   SOLE   26,194 0 0
Cameco Corp. COM 13321L108   1,296,313 25,225 SH   SOLE   25,225 0 0
CF Industries Hldgs, Inc. COM 125269100   1,284,151 15,051 SH   SOLE   15,051 0 0
Charter Communications, Inc. COM 16119p108   457,598 1,335 SH   SOLE   1,335 0 0
Chubb Ltd. COM H1467J104   383,228 1,387 SH   SOLE   1,387 0 0
Cisco Systems, Inc. COM 17275R102   2,612,792 44,135 SH   SOLE   44,135 0 0
Coca-Cola Co. COM 191216100   589,976 9,476 SH   SOLE   9,476 0 0
Comcast Corp. Cl A COM 20030n101   1,019,915 27,176 SH   SOLE   27,176 0 0
ConocoPhillips COM 20825c104   1,947,600 19,639 SH   SOLE   19,639 0 0
Costco Wholesale Corp. COM 22160k105   829,224 905 SH   SOLE   905 0 0
Diageo, plc COM 25243q205   1,262,909 9,934 SH   SOLE   9,934 0 0
Discover Financial Services COM 254709108   531,816 3,070 SH   SOLE   3,070 0 0
Edgewell Personal Care Co. COM 28035q102   333,379 9,922 SH   SOLE   9,922 0 0
Eli Lilly & Co. COM 532457108   696,344 902 SH   SOLE   902 0 0
Energizer Holdings, Inc. COM 29272W109   271,444 7,780 SH   SOLE   7,780 0 0
Exxon Mobil Corp. COM 30231G102   1,393,569 12,955 SH   SOLE   12,955 0 0
Fair Isaac Corp. COM 303250104   905,873 455 SH   SOLE   455 0 0
FedEx Corp. COM 31428x106   570,256 2,027 SH   SOLE   2,027 0 0
Fomento Economico Mexicano, S. COM 344419106   758,296 8,870 SH   SOLE   8,870 0 0
Hawkins, Inc. COM 420261109   236,753 1,930 SH   SOLE   1,930 0 0
Home Depot, Inc. COM 437076102   6,386,049 16,417 SH   SOLE   16,417 0 0
Intel Corp. COM 458140100   536,488 26,758 SH   SOLE   26,758 0 0
Invesco QQQ Trust ETF 46090E103   434,545 850 SH   SOLE   850 0 0
iShares MSCI EAFE Index Fund ETF 464287465   353,855 4,680 SH   SOLE   4,680 0 0
iShares PHLX Semiconductor ETF ETF 464287523   242,426 1,125 SH   SOLE   1,125 0 0
iShares S&P 100 Index Fund ETF 464287101   1,292,604 4,475 SH   SOLE   4,475 0 0
iShares U.S. Insurance ETF ETF 464288786   205,514 1,625 SH   SOLE   1,625 0 0
J.P. Morgan Chase & Co. COM 46625h100   1,268,785 5,293 SH   SOLE   5,293 0 0
Johnson & Johnson COM 478160104   2,279,211 15,760 SH   SOLE   15,760 0 0
Kimberly-Clark Corp. COM 494368103   520,229 3,970 SH   SOLE   3,970 0 0
Labcorp Holdings COM 504922105   1,613,954 7,038 SH   SOLE   7,038 0 0
Liberty Global plc - Series C COM G61188127   250,908 19,095 SH   SOLE   19,095 0 0
Lincoln Electric Hldgs, Inc. COM 533900106   1,427,772 7,616 SH   SOLE   7,616 0 0
Manulife Financial Corp. COM 56501r106   334,309 10,886 SH   SOLE   10,886 0 0
McDonald's Corp. COM 580135101   573,982 1,980 SH   SOLE   1,980 0 0
McKesson Corp. COM 58155Q103   5,471,706 9,601 SH   SOLE   9,601 0 0
Meta Platforms, Inc. - Cl A COM 30303m102   1,771,168 3,025 SH   SOLE   3,025 0 0
Microsoft Corp. COM 594918104   11,732,874 27,836 SH   SOLE   27,836 0 0
Nestle SA COM 641069406   469,612 5,748 SH   SOLE   5,748 0 0
NVR, Inc. COM 62944t105   1,431,307 175 SH   SOLE   175 0 0
Oracle Corp. COM 68389X105   4,781,068 28,691 SH   SOLE   28,691 0 0
PepsiCo, Inc. COM 713448108   659,028 4,334 SH   SOLE   4,334 0 0
Philip Morris Int'l Inc. COM 718172109   2,506,745 20,829 SH   SOLE   20,829 0 0
Progressive Corp. COM 743315103   2,189,317 9,137 SH   SOLE   9,137 0 0
Schlumberger Ltd. COM 806857108   290,425 7,575 SH   SOLE   7,575 0 0
Schwab U.S. Broad Market ETF ETF 808524102   301,683 13,290 SH   SOLE   13,290 0 0
Select Sector SPDR - Communica ETF 81369y852   367,878 3,800 SH   SOLE   3,800 0 0
Select Sector SPDR - Consumer ETF 81369y407   605,745 2,700 SH   SOLE   2,700 0 0
Select Sector SPDR - Health Ca ETF 81369y209   233,869 1,700 SH   SOLE   1,700 0 0
Select Sector SPDR - Industria ETF 81369y704   349,164 2,650 SH   SOLE   2,650 0 0
Select Sector SPDR - Technolog ETF 81369y803   806,844 3,470 SH   SOLE   3,470 0 0
Shell PLC - ADR COM 780259305   487,104 7,775 SH   SOLE   7,775 0 0
Southern Co. COM 842587107   237,329 2,883 SH   SOLE   2,883 0 0
SPDR Dow Jones Industrial ETF ETF 78467x109   276,575 650 SH   SOLE   650 0 0
SPDR S&P 500 ETF Trust ETF 78462f103   3,660,070 6,245 SH   SOLE   6,245 0 0
The Interpublic Group of Cos., COM 460690100   925,108 33,016 SH   SOLE   33,016 0 0
The Procter & Gamble Co. COM 742718109   1,794,693 10,705 SH   SOLE   10,705 0 0
The Walt Disney Co. COM 254687106   2,082,913 18,706 SH   SOLE   18,706 0 0
Trane Technologies PLC COM G8994E103   424,752 1,150 SH   SOLE   1,150 0 0
Truist Financial Corp. COM 89832q109   288,477 6,650 SH   SOLE   6,650 0 0
Union Pacific Corp. COM 907818108   1,481,804 6,498 SH   SOLE   6,498 0 0
Vanguard Dividend Appreciation ETF 921908844   6,035,481 30,820 SH   SOLE   30,820 0 0
Vanguard Emerging Markets ETF ETF 922042858   389,314 8,840 SH   SOLE   8,840 0 0
Vanguard Total Stock Market ET ETF 922908769   4,196,449 14,480 SH   SOLE   14,480 0 0
Verizon Communications, Inc. COM 92343v104   766,328 19,163 SH   SOLE   19,163 0 0
Visa Inc. COM 92826c839   220,280 697 SH   SOLE   697 0 0
Walmart Inc. COM 931142103   5,621,577 62,220 SH   SOLE   62,220 0 0
Yelp Inc. COM 985817105   355,072 9,175 SH   SOLE   9,175 0 0