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
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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   208,835 680 SH   SOLE   680 0 0
Adobe Systems Inc. COM 00724F101   4,525,363 8,875 SH   SOLE   8,875 0 0
Allstate Corporation COM 020021014   6,365,967 57,140 SH   SOLE   57,140 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305   8,007,193 61,189 SH   SOLE   61,189 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107   527,664 4,002 SH   SOLE   4,002 0 0
Amazon.Com Inc COM 023135106   4,859,162 38,225 SH   SOLE   38,225 0 0
American Express Co. COM 025816109   4,958,926 33,239 SH   SOLE   33,239 0 0
Apple Inc. COM 037833100   3,666,805 21,417 SH   SOLE   21,417 0 0
Bank of Montreal COM 063671101   5,596,951 66,054 SH   SOLE   66,054 0 0
Bank of Nova Scotia COM 064149107   5,656,288 125,555 SH   SOLE   125,555 0 0
Baytex Energy Corp. COM 07317Q105   126,025 70,000 SH   SOLE   70,000 0 0
BCE Inc. COM NEW 05534B760   3,423,059 89,265 SH   SOLE   89,265 0 0
Becton Dickinson & Co COM 075887109   4,215,073 16,304 SH   SOLE   16,304 0 0
Berkshire Hathaway B CL B NEW 084670702   8,121,005 23,183 SH   SOLE   23,183 0 0
BERKSHIRE HATHAWAY CL A CL A 084670108   531,477 1 SH   SOLE   1 0 0
Brookfield Corp COM 11271J107   0 119,611 SH   SOLE   119,611 0 0
Cdn Imperial Bank of Commerce COM 136069101   5,719,836 147,511 SH   SOLE   147,511 0 0
Cdn National Railway COM 136375102   5,063,774 46,549 SH   SOLE   46,549 0 0
CDN Natural Resources LTD COM 136385101   281,760 4,337 SH   SOLE   4,337 0 0
Cdn Pacific KC Railway Ltd COM 13646K108   5,195,838 69,584 SH   SOLE   69,584 0 0
Cenovus Energy Inc. COM 15135U109   1,204,845 57,715 SH   SOLE   57,715 0 0
Cisco Systems Inc COM 17275R102   6,059,988 112,723 SH   SOLE   112,723 0 0
Corteva Inc. COM 22052L104   5,768,290 112,750 SH   SOLE   112,750 0 0
Crescent Point Energy COM 22576C101   817,360 98,210 SH   SOLE   98,210 0 0
CVS Health Corporation COM 126650100   6,812,477 97,572 SH   SOLE   97,572 0 0
Diageo PLC ADR SPONSORED ADR 25243Q205   5,536,070 37,110 SH   SOLE   37,110 0 0
Electronic Arts Inc COM 285512109   5,295,553 43,983 SH   SOLE   43,983 0 0
Eli Lilly & Co COM 532457108   323,352 602 SH   SOLE   602 0 0
Enbridge Inc COM 29250N105   206,711 6,204 SH   SOLE   6,204 0 0
Ferrari N.V. COM N3167Y103   4,244,545 14,362 SH   SOLE   14,362 0 0
Goldman Sachs COM 38141G104   5,500,043 16,998 SH   SOLE   16,998 0 0
Humana Inc. COM 444859102   389,216 800 SH   SOLE   800 0 0
ING Groep ADR SPONSORED ADR 456837103   6,234,654 473,039 SH   SOLE   473,039 0 0
iShares iBoxx $ High Yield Corporat ETF 464288513   2,299,253 31,189 SH   SOLE   31,189 0 0
iShares MSCI World ETF ETF 464286392   443,547 3,691 SH   SOLE   3,691 0 0
Johnson & Johnson COM 478160104   2,861,751 18,374 SH   SOLE   18,374 0 0
JPMorgan Chase & Co COM 46625H100   5,687,539 39,219 SH   SOLE   39,219 0 0
Kenvue Inc COM 49177J102   1,932,499 96,240 SH   SOLE   96,240 0 0
Koninklijke Philips Electric NY REGIS SHS NEW 500472303   2,192,483 109,954 SH   SOLE   109,954 0 0
Kraft Heinz Company COM 500754106   3,666,760 109,000 SH   SOLE   109,000 0 0
Magna International Inc. COM 559222401   3,698,980 68,712 SH   SOLE   68,712 0 0
Manulife Financial Corp COM 56501R106   3,670,474 199,977 SH   SOLE   199,977 0 0
McDonalds Corp COM 580135101   486,310 1,846 SH   SOLE   1,846 0 0
Merck & Company COM 58933Y105   311,218 3,023 SH   SOLE   3,023 0 0
Meta Platforms CL A 30303M102   6,904,230 22,998 SH   SOLE   22,998 0 0
Microsoft Corp COM 594918104   8,804,057 27,883 SH   SOLE   27,883 0 0
Middleby Corp COM 596278101   3,165,440 24,730 SH   SOLE   24,730 0 0
Morgan Stanley COM NEW 617446448   4,316,831 52,857 SH   SOLE   52,857 0 0
Nutrien Ltd COM 67077M108   3,988,675 64,297 SH   SOLE   64,297 0 0
Open Text Corp COM 683715106   3,594,071 101,940 SH   SOLE   101,940 0 0
Pepsico Inc. COM 713448108   244,671 1,444 SH   SOLE   1,444 0 0
Pfizer Inc COM 717081103   239,686 7,226 SH   SOLE   7,226 0 0
Procter and Gamble COM 742718109   484,839 3,324 SH   SOLE   3,324 0 0
Rogers Communications COM 775109200   2,707,416 70,198 SH   SOLE   70,198 0 0
Royal Bank of Canada COM 780087102   8,906,285 101,457 SH   SOLE   101,457 0 0
Scotts Miracle-Gro Co. CL A 810186106   2,073,402 40,120 SH   SOLE   40,120 0 0
Smith & Nephew PLC ADR SPDN ADR NEW 83175M205   3,712,156 149,865 SH   SOLE   149,865 0 0
SPDR Bloomberg Barclays High Yield Bond ETF ETF 78468R622   1,347,502 14,906 SH   SOLE   14,906 0 0
State Street Corp COM 857477103   2,596,374 38,775 SH   SOLE   38,775 0 0
Sun Life Financial Inc. COM 866796105   5,102,918 104,121 SH   SOLE   104,121 0 0
Taiwan Semiconductor Mfg ADR SPONSORED ADR 874039100   4,135,310 47,587 SH   SOLE   47,587 0 0
TC Energy Corp. COM 87807B107   5,024,566 145,448 SH   SOLE   145,448 0 0
Telus Corp COM 87971M103   3,908,459 238,292 SH   SOLE   238,292 0 0
Toronto Dominion Bank COM NEW 891160509   7,725,040 127,645 SH   SOLE   127,645 0 0
Tractor Supply Co COM 892356106   3,758,456 18,510 SH   SOLE   18,510 0 0
Unilever PLC ADR SPON ADR NEW 904767704   4,044,131 81,865 SH   SOLE   81,865 0 0
Viatris Inc COM 92556V106   6,306,269 639,581 SH   SOLE   639,581 0 0
Visa Inc. COM 92826C839   6,467,651 28,119 SH   SOLE   28,119 0 0
Walt Disney Co. COM 254687106   5,232,102 64,554 SH   SOLE   64,554 0 0
Warner Bros. Discovery Inc. Class A COM SER A 934423104   2,356,989 217,034 SH   SOLE   217,034 0 0