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
Apple Inc. COM 037833100   15,101,286 67,984 SH   SOLE   67,984 0 0
AbbVie Inc. COM 00287y109   2,367,995 11,302 SH   SOLE   11,302 0 0
Accenture PLC - Cl A COM G1151C101   2,901,660 9,299 SH   SOLE   9,299 0 0
Alimentation Couche-Tard Inc. COM 01626p148   1,416,839 28,780 SH   SOLE   28,780 0 0
Alphabet, Inc. - Cl A COM 02079k305   4,830,954 31,240 SH   SOLE   31,240 0 0
Alphabet, Inc. - Cl C COM 02079k107   3,705,622 23,719 SH   SOLE   23,719 0 0
Altria Group, Inc. COM 02209s103   478,119 7,966 SH   SOLE   7,966 0 0
Amazon.com, Inc. COM 023135106   924,664 4,860 SH   SOLE   4,860 0 0
Amdocs Ltd. COM G02602103   204,502 2,235 SH   SOLE   2,235 0 0
Amgen, Inc. COM 031162100   3,163,167 10,153 SH   SOLE   10,153 0 0
Arthur J. Gallagher & Co. COM 363576109   233,037 675 SH   SOLE   675 0 0
Atmos Energy Corp. COM 049560105   209,456 1,355 SH   SOLE   1,355 0 0
Bank of America Corp. COM 060505104   854,380 20,474 SH   SOLE   20,474 0 0
Berkshire Hathaway, Inc. - Cla COM 084670702   9,734,497 18,278 SH   SOLE   18,278 0 0
Berkshire Hathaway, Inc. - Cla COM 084670108   798,442 1 SH   SOLE   1 0 0
BNY Mellon Corp. COM 064058100   2,196,891 26,194 SH   SOLE   26,194 0 0
Cameco Corp. COM 13321L108   1,038,261 25,225 SH   SOLE   25,225 0 0
CF Industries Hldgs, Inc. COM 125269100   1,176,236 15,051 SH   SOLE   15,051 0 0
Charter Communications, Inc. COM 16119p108   491,988 1,335 SH   SOLE   1,335 0 0
Chevron Corp. COM 166764100   219,986 1,315 SH   SOLE   1,315 0 0
Chubb Ltd. COM H1467J104   418,860 1,387 SH   SOLE   1,387 0 0
Cisco Systems, Inc. COM 17275R102   2,723,571 44,135 SH   SOLE   44,135 0 0
Coca-Cola Co. COM 191216100   678,671 9,476 SH   SOLE   9,476 0 0
Comcast Corp. Cl A COM 20030n101   1,002,794 27,176 SH   SOLE   27,176 0 0
ConocoPhillips COM 20825c104   2,062,488 19,639 SH   SOLE   19,639 0 0
Corpay Inc. COM 219948106   200,514 575 SH   SOLE   575 0 0
Costco Wholesale Corp. COM 22160k105   855,931 905 SH   SOLE   905 0 0
Diageo, plc COM 25243q205   1,040,984 9,934 SH   SOLE   9,934 0 0
Discover Financial Services COM 254709108   524,049 3,070 SH   SOLE   3,070 0 0
Edgewell Personal Care Co. COM 28035q102   309,666 9,922 SH   SOLE   9,922 0 0
Eli Lilly & Co. COM 532457108   732,582 887 SH   SOLE   887 0 0
Energizer Holdings, Inc. COM 29272W109   232,778 7,780 SH   SOLE   7,780 0 0
Exxon Mobil Corp. COM 30231G102   1,540,738 12,955 SH   SOLE   12,955 0 0
Fair Isaac Corp. COM 303250104   839,093 455 SH   SOLE   455 0 0
FedEx Corp. COM 31428x106   494,142 2,027 SH   SOLE   2,027 0 0
Fomento Economico Mexicano, S. COM 344419106   860,656 8,820 SH   SOLE   8,820 0 0
Hawkins, Inc. COM 420261109   204,426 1,930 SH   SOLE   1,930 0 0
Home Depot, Inc. COM 437076102   6,013,001 16,407 SH   SOLE   16,407 0 0
Intel Corp. COM 458140100   607,664 26,758 SH   SOLE   26,758 0 0
Invesco QQQ Trust ETF 46090E103   398,582 850 SH   SOLE   850 0 0
iShares MSCI ACWI Index Fund ETF 464288240   202,392 3,650 SH   SOLE   3,650 0 0
iShares MSCI EAFE Index Fund ETF 464287465   382,496 4,680 SH   SOLE   4,680 0 0
iShares PHLX Semiconductor ETF ETF 464287523   211,691 1,125 SH   SOLE   1,125 0 0
iShares S&P 100 Index Fund ETF 464287101   1,211,964 4,475 SH   SOLE   4,475 0 0
iShares U.S. Insurance ETF ETF 464288786   223,941 1,625 SH   SOLE   1,625 0 0
J.P. Morgan Chase & Co. COM 46625h100   1,298,373 5,293 SH   SOLE   5,293 0 0
Johnson & Johnson COM 478160104   2,613,638 15,760 SH   SOLE   15,760 0 0
Kimberly-Clark Corp. COM 494368103   564,613 3,970 SH   SOLE   3,970 0 0
Labcorp Holdings COM 504922105   1,638,024 7,038 SH   SOLE   7,038 0 0
Liberty Global plc - Series C COM G61188127   228,567 19,095 SH   SOLE   19,095 0 0
Lincoln Electric Hldgs, Inc. COM 533900106   1,440,643 7,616 SH   SOLE   7,616 0 0
Manulife Financial Corp. COM 56501r106   339,099 10,886 SH   SOLE   10,886 0 0
McDonald's Corp. COM 580135101   618,493 1,980 SH   SOLE   1,980 0 0
McKesson Corp. COM 58155Q103   6,461,377 9,601 SH   SOLE   9,601 0 0
Meta Platforms, Inc. - Cl A COM 30303m102   1,740,031 3,019 SH   SOLE   3,019 0 0
Microsoft Corp. COM 594918104   10,409,940 27,731 SH   SOLE   27,731 0 0
Nestle SA COM 641069406   581,525 5,748 SH   SOLE   5,748 0 0
NVR, Inc. COM 62944t105   1,260,524 174 SH   SOLE   174 0 0
Oracle Corp. COM 68389X105   4,011,289 28,691 SH   SOLE   28,691 0 0
PepsiCo, Inc. COM 713448108   649,840 4,334 SH   SOLE   4,334 0 0
Philip Morris Int'l Inc. COM 718172109   3,306,351 20,830 SH   SOLE   20,830 0 0
Pinnacle Financial Partners, I COM 72346q104   954,360 9,000 SH   SOLE   9,000 0 0
Progressive Corp. COM 743315103   2,581,617 9,122 SH   SOLE   9,122 0 0
Schlumberger Ltd. COM 806857108   321,233 7,685 SH   SOLE   7,685 0 0
Schwab U.S. Broad Market ETF ETF 808524102   286,134 13,290 SH   SOLE   13,290 0 0
Select Sector SPDR - Communica ETF 81369y852   366,510 3,800 SH   SOLE   3,800 0 0
Select Sector SPDR - Consumer ETF 81369y407   533,142 2,700 SH   SOLE   2,700 0 0
Select Sector SPDR - Health Ca ETF 81369y209   248,217 1,700 SH   SOLE   1,700 0 0
Select Sector SPDR - Industria ETF 81369y704   347,335 2,650 SH   SOLE   2,650 0 0
Select Sector SPDR - Technolog ETF 81369y803   716,486 3,470 SH   SOLE   3,470 0 0
Shell PLC - ADR COM 780259305   569,752 7,775 SH   SOLE   7,775 0 0
Southern Co. COM 842587107   265,092 2,883 SH   SOLE   2,883 0 0
SPDR Dow Jones Industrial ETF ETF 78467x109   272,922 650 SH   SOLE   650 0 0
SPDR S&P 500 ETF Trust ETF 78462f103   3,493,391 6,245 SH   SOLE   6,245 0 0
The Interpublic Group of Cos., COM 460690100   896,715 33,016 SH   SOLE   33,016 0 0
The Procter & Gamble Co. COM 742718109   1,824,346 10,705 SH   SOLE   10,705 0 0
The Walt Disney Co. COM 254687106   1,846,282 18,706 SH   SOLE   18,706 0 0
Trane Technologies PLC COM G8994E103   387,458 1,150 SH   SOLE   1,150 0 0
Truist Financial Corp. COM 89832q109   273,647 6,650 SH   SOLE   6,650 0 0
Union Pacific Corp. COM 907818108   1,535,088 6,498 SH   SOLE   6,498 0 0
Vanguard Dividend Appreciation ETF 921908844   5,978,772 30,820 SH   SOLE   30,820 0 0
Vanguard Emerging Markets ETF ETF 922042858   400,098 8,840 SH   SOLE   8,840 0 0
Vanguard Total Stock Market ET ETF 922908769   3,979,683 14,480 SH   SOLE   14,480 0 0
Verizon Communications, Inc. COM 92343v104   869,234 19,163 SH   SOLE   19,163 0 0
Visa Inc. COM 92826c839   244,271 697 SH   SOLE   697 0 0
Walmart Inc. COM 931142103   5,453,515 62,120 SH   SOLE   62,120 0 0
Yelp Inc. COM 985817105   339,750 9,175 SH   SOLE   9,175 0 0