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
Accenture PLC Cl A SHS CL A G1151C101   209,834 680 SH   SOLE   680 0 0
Adobe Systems Inc. COM 00724F101   4,435,139 9,070 SH   SOLE   9,070 0 0
Allstate Corporation COM 020021014   6,276,124 57,558 SH   SOLE   57,558 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305   7,450,606 62,244 SH   SOLE   62,244 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107   484,121 4,002 SH   SOLE   4,002 0 0
Amazon.Com Inc COM 023135106   4,935,429 37,860 SH   SOLE   37,860 0 0
American Express Co. COM 025816109   5,877,333 33,739 SH   SOLE   33,739 0 0
Apple Inc. COM 037833100   4,086,753 21,069 SH   SOLE   21,069 0 0
Bank of Montreal COM 063671101   5,258,922 58,199 SH   SOLE   58,199 0 0
Bank of Nova Scotia COM 064149107   5,921,110 118,281 SH   SOLE   118,281 0 0
Baytex Energy Corp. COM 07317Q105   228,398 70,000 SH   SOLE   70,000 0 0
BCE Inc. COM NEW 05534B760   3,709,162 81,307 SH   SOLE   81,307 0 0
Becton Dickinson & Co COM 075887109   4,369,101 16,549 SH   SOLE   16,549 0 0
Berkshire Hathaway B CL B NEW 084670702   8,085,110 23,710 SH   SOLE   23,710 0 0
BERKSHIRE HATHAWAY CL A CL A 084670108   517,810 1 SH   SOLE   1 0 0
Brookfield Corp COM 11271J107   2,139,924 63,526 SH   SOLE   63,526 0 0
Cdn Imperial Bk of Commerce COM 136069101   5,564,938 130,269 SH   SOLE   130,269 0 0
Cdn National Railway COM 136375102   4,976,032 41,069 SH   SOLE   41,069 0 0
CDN Natural Resources LTD COM 136385101   215,845 3,837 SH   SOLE   3,837 0 0
Cdn Pacific KC Railway Ltd COM 13646K108   5,269,507 65,204 SH   SOLE   65,204 0 0
Cenovus Energy Inc. COM 15135U109   969,766 57,085 SH   SOLE   57,085 0 0
Cisco Systems Inc COM 17275R102   5,964,431 115,277 SH   SOLE   115,277 0 0
Corteva Inc. COM 22052L104   6,536,497 114,075 SH   SOLE   114,075 0 0
Crescent Point Energy Corp. COM 22576C101   126,019 98,210 SH   SOLE   98,210 0 0
CVS Health Corporation COM 126650100   6,764,992 97,859 SH   SOLE   97,859 0 0
Diageo PLC ADR SPONSORED ADR 25243Q205   6,521,113 37,590 SH   SOLE   37,590 0 0
Electronic Arts Inc COM 285512109   5,781,766 44,578 SH   SOLE   44,578 0 0
Eli Lilly & Co COM 532457108   275,291 587 SH   SOLE   587 0 0
Enbridge Inc COM 29250N105   238,501 6,413 SH   SOLE   6,413 0 0
Ferrari N.V. COM N3167Y103   4,712,943 14,492 SH   SOLE   14,492 0 0
Goldman Sachs COM 38141G104   5,585,747 17,318 SH   SOLE   17,318 0 0
Humana Inc. COM 444859102   357,704 800 SH   SOLE   800 0 0
ING Groep ADR SPONSORED ADR 456837103   6,449,961 478,839 SH   SOLE   478,839 0 0
iShares iBoxx $ High Yield Corporat IBOXX HI YD ETF 464288513   2,300,895 30,650 SH   SOLE   30,650 0 0
iShares MSCI World ETF MSCI WORLD ETF 464286392   429,095 3,446 SH   SOLE   3,446 0 0
Johnson & Johnson COM 478160104   3,021,402 18,254 SH   SOLE   18,254 0 0
JPMorgan Chase & Co COM 46625H100   5,756,369 39,579 SH   SOLE   39,579 0 0
Koninklijke Philips Electric NY REGIS SHS NEW 500472303   2,435,613 112,292 SH   SOLE   112,292 0 0
Kraft Heinz Company COM 500754106   3,853,702 108,555 SH   SOLE   108,555 0 0
Magna International Inc. COM 559222401   3,799,532 67,263 SH   SOLE   67,263 0 0
Manulife Financial Corp. COM 56501R106   100,695 206,436 SH   SOLE   206,436 0 0
McDonalds Corp COM 580135101   550,864 1,846 SH   SOLE   1,846 0 0
Merck & Company COM 58933Y105   348,823 3,023 SH   SOLE   3,023 0 0
Meta Platforms CL A 30303M102   6,743,456 23,498 SH   SOLE   23,498 0 0
Microsoft Corp COM 594918104   9,562,363 28,080 SH   SOLE   28,080 0 0
Middleby Corp COM 596278101   3,716,446 25,140 SH   SOLE   25,140 0 0
Morgan Stanley COM NEW 617446448   4,551,563 53,297 SH   SOLE   53,297 0 0
Nutrien Ltd COM 67077M108   3,735,171 63,232 SH   SOLE   63,232 0 0
Open Text Corp COM 683715106   3,875,103 93,115 SH   SOLE   93,115 0 0
Pepsico Inc. COM 713448108   267,457 1,444 SH   SOLE   1,444 0 0
Pfizer Inc COM 717081103   265,049 7,226 SH   SOLE   7,226 0 0
Procter and Gamble COM 742718109   504,383 3,324 SH   SOLE   3,324 0 0
Rogers Communications COM 775109200   3,144,656 68,887 SH   SOLE   68,887 0 0
Royal Bank of Canada COM 780087102   8,932,390 93,476 SH   SOLE   93,476 0 0
Scotts Miracle-Gro Co. CL A 810186106   2,566,215 40,935 SH   SOLE   40,935 0 0
Smith & Nephew PLC ADR SPDN ADR NEW 83175M205   4,834,920 149,920 SH   SOLE   149,920 0 0
SPDR Bloomberg Barclays High Yield Bond ETF BLOOMBERG HIGH Y 78468R622   1,392,045 15,126 SH   SOLE   15,126 0 0
State Street Corp COM 857477103   2,289,802 31,290 SH   SOLE   31,290 0 0
Sun Life Financial Inc. COM 866796105   5,211,779 99,920 SH   SOLE   99,920 0 0
Taiwan Semiconductor Mfg ADR SPONSORED ADR 874039100   4,892,298 48,477 SH   SOLE   48,477 0 0
TC Energy Corp. COM 87807B107   4,532,687 112,090 SH   SOLE   112,090 0 0
Telus Corp. COM 87971M996   3,905,906 200,602 SH   SOLE   200,602 0 0
Toronto Dominion Bank COM NEW 891160509   7,474,797 120,529 SH   SOLE   120,529 0 0
Tractor Supply Co COM 892356106   4,145,625 18,750 SH   SOLE   18,750 0 0
Unilever PLC ADR SPON ADR NEW 904767704   4,323,662 82,940 SH   SOLE   82,940 0 0
Viatris Inc COM 92556V106   6,521,241 653,431 SH   SOLE   653,431 0 0
Visa Inc. COM 92826C839   6,709,759 28,254 SH   SOLE   28,254 0 0
Walt Disney Co. COM 254687106   5,816,502 65,149 SH   SOLE   65,149 0 0
Warner Bros. Discovery Inc. Class A COM SER A 934423104   2,714,333 216,454 SH   SOLE   216,454 0 0