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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 3,640,695 38,888 SH   SOLE   0 0 38,888
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 578,055 3,878 SH   SOLE   0 0 3,878
ADOBE INC COM 00724F101 BBG001S5NCQ5 345,713 678 SH   SOLE   0 0 678
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 48,536,049 434,055 SH   SOLE   0 0 434,055
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 69,290,425 529,500 SH   SOLE   0 0 529,500
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,807,928 13,712 SH   SOLE   0 0 13,712
AMAZON COM INC COM 023135106 BBG001S5PQL7 62,341,301 490,413 SH   SOLE   0 0 490,413
APPLE INC COM 037833100 BBG001S5N8V8 4,939,462 28,850 SH   SOLE   0 0 28,850
AT&T INC COM 00206R102 BBG001S5VWH2 3,105,956 206,788 SH   SOLE   0 0 206,788
BANK AMERICA CORP 7.25%CNV PFD L 060505682   2,350,100 2,113 SH   SOLE   0 0 2,113
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 606,558 22,153 SH   SOLE   0 0 22,153
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 70,406,767 200,990 SH   SOLE   0 0 200,990
BLACKROCK INC COM 09247X101 BBG001SDBP55 327,124 506 SH   SOLE   0 0 506
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 333,067 108 SH   SOLE   0 0 108
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105 BBG019Z17GF9 4,133,360 123,976 SH   SOLE   0 0 123,976
CARMAX INC COM 143130102 BBG001SD9561 50,197,936 709,712 SH   SOLE   0 0 709,712
CATERPILLAR INC COM 149123101 BBG001S5PJ06 5,327,049 19,513 SH   SOLE   0 0 19,513
CENCORA INC COM 03073E105 BBG001S8X7P0 5,989,042 33,278 SH   SOLE   0 0 33,278
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 408,757 2,424 SH   SOLE   0 0 2,424
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 1,038,819 4,990 SH   SOLE   0 0 4,990
CISCO SYS INC COM 17275R102 BBG001S6HC62 4,511,325 83,916 SH   SOLE   0 0 83,916
COCA COLA CO COM 191216100 BBG001S5SMQ8 537,017 9,593 SH   SOLE   0 0 9,593
DEERE & CO COM 244199105 BBG001S5QFF7 357,002 946 SH   SOLE   0 0 946
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 483,344 3,240 SH   SOLE   0 0 3,240
DISNEY WALT CO COM 254687106 BBG001S5QHF3 51,132,353 630,874 SH   SOLE   0 0 630,874
EAGLE POINT CREDIT COMPANY I COM 269808101 BBG006XN8K15 101,500 10,000 SH   SOLE   0 0 10,000
EATON CORP PLC SHS G29183103 BBG001S5QZ45 6,876,361 32,241 SH   SOLE   0 0 32,241
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 5,844,610 60,522 SH   SOLE   0 0 60,522
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 249,341 9,110 SH   SOLE   0 0 9,110
EOG RES INC COM 26875P101 BBG001S5ZB93 569,913 4,496 SH   SOLE   0 0 4,496
ESSEX PPTY TR INC COM 297178105 BBG001S81418 339,132 1,599 SH   SOLE   0 0 1,599
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 347,802 2,958 SH   SOLE   0 0 2,958
FISERV INC COM 337738108 BBG001S5R6Q4 60,660,785 537,011 SH   SOLE   0 0 537,011
GRAINGER W W INC COM 384802104 BBG001S5RRD2 29,399,266 42,494 SH   SOLE   0 0 42,494
HOME DEPOT INC COM 437076102 BBG001S5RTW7 349,902 1,158 SH   SOLE   0 0 1,158
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 322,410 2,298 SH   SOLE   0 0 2,298
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 32,645,564 336,830 SH   SOLE   0 0 336,830
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 633,051 1,474 SH   SOLE   0 0 1,474
ISHARES TR IBONDS 23 TRM TS 46436E882 BBG00RYQY150 20,708,109 834,332 SH   SOLE   0 0 834,332
ISHARES TR IBONDS 24 TRM TS 46436E874 BBG00RYR0PY0 20,554,875 862,201 SH   SOLE   0 0 862,201
ISHARES TR IBONDS DEC 2031 46436E486 BBG011HVQSJ9 38,440,868 1,983,021 SH   SOLE   0 0 1,983,021
ISHARES TR IBONDS DEC 29 46436E205 BBG00Q79F703 30,100,103 1,374,434 SH   SOLE   0 0 1,374,434
ISHARES TR IBONDS DEC2026 46435GAA0 BBG00DST7FD2 30,863,197 1,322,614 SH   SOLE   0 0 1,322,614
ISHARES TR IBONDS DEC23 ETF 46434VAX8 BBG0088JLVM6 31,089,309 1,225,919 SH   SOLE   0 0 1,225,919
ISHARES TR IBONDS DEC24 ETF 46434VBG4 BBG0088JX0B3 28,542,827 1,154,178 SH   SOLE   0 0 1,154,178
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 612,363 5,904 SH   SOLE   0 0 5,904
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,386,098 28,161 SH   SOLE   0 0 28,161
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 394,600 2,721 SH   SOLE   0 0 2,721
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,850,161 31,859 SH   SOLE   0 0 31,859
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 3,865,899 9,453 SH   SOLE   0 0 9,453
LOWES COS INC COM 548661107 BBG001S5SVL3 54,174,304 260,654 SH   SOLE   0 0 260,654
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 54,982,597 138,877 SH   SOLE   0 0 138,877
MCDONALDS CORP COM 580135101 BBG001S5T110 4,281,691 16,253 SH   SOLE   0 0 16,253
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 28,549,026 364,331 SH   SOLE   0 0 364,331
MERCK & CO INC COM 58933Y105 BBG001S5TC52 293,717 2,853 SH   SOLE   0 0 2,853
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 53,905,045 179,558 SH   SOLE   0 0 179,558
MICROSOFT CORP COM 594918104 BBG001S5TD05 53,335,348 168,916 SH   SOLE   0 0 168,916
MOODYS CORP COM 615369105 BBG001S5VP87 39,393,799 124,597 SH   SOLE   0 0 124,597
NETFLIX INC COM 64110L106 BBG001SF6L46 23,397,607 61,964 SH   SOLE   0 0 61,964
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 268,347 4,684 SH   SOLE   0 0 4,684
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 413,676 951 SH   SOLE   0 0 951
OXFORD LANE CAP CORP COM 691543102 BBG001T93HP8 99,800 20,000 SH   SOLE   0 0 20,000
PEPSICO INC COM 713448108 BBG001S695T1 733,323 4,328 SH   SOLE   0 0 4,328
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 4,739,284 32,492 SH   SOLE   0 0 32,492
QUALCOMM INC COM 747525103 BBG001S6VS70 548,485 4,939 SH   SOLE   0 0 4,939
ROSS STORES INC COM 778296103 BBG001S5VRS1 37,805,439 334,710 SH   SOLE   0 0 334,710
SALESFORCE INC COM 79466L302 BBG001SDLP09 41,037,400 202,374 SH   SOLE   0 0 202,374
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 214,836 3,685 SH   SOLE   0 0 3,685
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 50,838,765 926,025 SH   SOLE   0 0 926,025
SOUTHERN CO COM 842587107 BBG001S5W777 482,164 7,450 SH   SOLE   0 0 7,450
STARBUCKS CORP COM 855244109 BBG001S72KH6 30,180,644 330,674 SH   SOLE   0 0 330,674
SYSCO CORP COM 871829107 BBG001S5WJS8 4,132,095 62,560 SH   SOLE   0 0 62,560
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 64,313,518 740,085 SH   SOLE   0 0 740,085
TARGET CORP COM 87612E106 BBG001SC0K41 4,268,445 38,604 SH   SOLE   0 0 38,604
TESLA INC COM 88160R101 BBG001SQKGD7 261,230 1,044 SH   SOLE   0 0 1,044
ULTA BEAUTY INC COM 90384S303 BBG00FWQ4W44 63,394,289 158,704 SH   SOLE   0 0 158,704
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,237,397 6,077 SH   SOLE   0 0 6,077
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 3,765,196 24,156 SH   SOLE   0 0 24,156
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 3,656,304 110,596 SH   SOLE   0 0 110,596
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 3,064,009 94,539 SH   SOLE   0 0 94,539
VISA INC COM CL A 92826C839 BBG001SRCFY3 65,719,122 285,723 SH   SOLE   0 0 285,723
WALMART INC COM 931142103 BBG001S5XH92 302,908 1,894 SH   SOLE   0 0 1,894
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 36,222,559 886,504 SH   SOLE   0 0 886,504
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,650,355 2,377 SH   SOLE   0 0 2,377
XAI OCTAGON FLOATING RATE & COM 98400T106 BBG00HMS4SD6 69,500 10,000 SH   SOLE   0 0 10,000
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 BBG001S6SX73 43,769,034 185,046 SH   SOLE   0 0 185,046