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   238,619 680 SH   SOLE   680 0 0
Adobe Systems Inc. COM 00724F101   5,409,969 9,068 SH   SOLE   9,068 0 0
Allstate Corporation COM 200021014   7,370,647 52,655 SH   SOLE   52,655 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305   8,583,531 61,447 SH   SOLE   61,447 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107   584,014 4,144 SH   SOLE   4,144 0 0
Amazon.Com Inc COM 023135106   5,863,061 38,588 SH   SOLE   38,588 0 0
American Express Co. COM 025816109   6,270,082 33,469 SH   SOLE   33,469 0 0
Apple Inc. COM 037833100   4,221,605 21,927 SH   SOLE   21,927 0 0
Bank of Montreal COM 063671101   6,850,221 69,216 SH   SOLE   69,216 0 0
Bank of Nova Scotia COM 064149107   6,585,064 135,249 SH   SOLE   135,249 0 0
Baytex Energy Corp. COM 07317Q105   231,440 70,000 SH   SOLE   70,000 0 0
BCE Inc. COM NEW 05534B760   3,969,762 100,804 SH   SOLE   100,804 0 0
Becton Dickinson & Co COM 075887109   3,944,926 16,179 SH   SOLE   16,179 0 0
Berkshire Hathaway B CL B NEW 084670702   8,330,508 23,357 SH   SOLE   23,357 0 0
BERKSHIRE HATHAWAY CL A CL A 084670108   542,625 1 SH   SOLE   1 0 0
Brookfield Corp COM 11271J107   5,449,000 135,815 SH   SOLE   135,815 0 0
Cdn Imperial Bk of Commerce COM 136069101   7,808,491 162,137 SH   SOLE   162,137 0 0
Cdn National Railway COM 136375102   6,011,977 47,820 SH   SOLE   47,820 0 0
CDN Natural Resources LTD COM 136385101   311,920 4,760 SH   SOLE   4,760 0 0
Cdn Pacific KC Railway Ltd COM 13646K108   6,185,458 78,159 SH   SOLE   78,159 0 0
Cenovus Energy Inc. COM 15135U109   989,667 59,403 SH   SOLE   59,403 0 0
Cisco Systems Inc COM 17275R102   5,726,543 113,352 SH   SOLE   113,352 0 0
Corteva Inc. COM 22052L104   5,343,080 111,500 SH   SOLE   111,500 0 0
Costco Wholesale Corp COM 22160K105   221,787 336 SH   SOLE   336 0 0
Crescent Point Energy Corp. COM 22576C101   679,013 97,900 SH   SOLE   97,900 0 0
CVS Health Corporation COM 126650100   7,694,810 97,452 SH   SOLE   97,452 0 0
Diageo PLC ADR SPONSORED ADR 25243Q205   5,386,507 36,980 SH   SOLE   36,980 0 0
Electronic Arts Inc COM 285512109   5,969,431 43,633 SH   SOLE   43,633 0 0
Eli Lilly & Co COM 532457108   241,912 415 SH   SOLE   415 0 0
Enbridge Inc COM 29250N105   169,880 4,718 SH   SOLE   4,718 0 0
Ferrari N.V. COM N3167Y103   3,222,530 9,522 SH   SOLE   9,522 0 0
Goldman Sachs COM 38141G104   6,551,532 16,983 SH   SOLE   16,983 0 0
Humana Inc. COM 444859102   366,248 800 SH   SOLE   800 0 0
ING Groep ADR SPONSORED ADR 456837103   7,044,665 469,019 SH   SOLE   469,019 0 0
iShares iBoxx $ High Yield Corporat ETF 464288513   1,608,087 20,779 SH   SOLE   20,779 0 0
iShares MSCI World ETF ETF 464286392   401,587 3,019 SH   SOLE   3,019 0 0
Johnson & Johnson COM 478160104   2,762,856 17,627 SH   SOLE   17,627 0 0
JPMorgan Chase & Co COM 46625H100   6,625,225 38,949 SH   SOLE   38,949 0 0
Kenvue Inc COM 49177J102   2,079,798 96,600 SH   SOLE   96,600 0 0
Koninklijke Philips Electric NY REGIS SHS NEW 500472303   2,518,847 107,966 SH   SOLE   107,966 0 0
Kraft Heinz Company COM 500754106   4,040,620 109,265 SH   SOLE   109,265 0 0
Magna International Inc. COM 559222401   4,217,109 71,358 SH   SOLE   71,358 0 0
Manulife Financial Corp. COM 56501R106   4,444,620 201,094 SH   SOLE   201,094 0 0
McDonalds Corp COM 580135101   520,672 1,756 SH   SOLE   1,756 0 0
Merck & Company COM 58933Y105   285,959 2,623 SH   SOLE   2,623 0 0
Meta Platforms CL A 30303M102   7,511,031 21,220 SH   SOLE   21,220 0 0
Microsoft Corp COM 594918104   10,648,325 28,317 SH   SOLE   28,317 0 0
Middleby Corp COM 596278101   3,618,910 24,590 SH   SOLE   24,590 0 0
Morgan Stanley COM NEW 617446448   4,914,089 52,698 SH   SOLE   52,698 0 0
Nike Inc.Cl B CL B 654106103   2,162,932 19,922 SH   SOLE   19,922 0 0
Nutrien Ltd COM 67077M108   4,046,904 71,817 SH   SOLE   71,817 0 0
NVidia COM 67066G104   217,402 439 SH   SOLE   439 0 0
Open Text Corp COM 683715106   4,948,515 117,715 SH   SOLE   117,715 0 0
Pepsico Inc. COM 713448108   245,249 1,444 SH   SOLE   1,444 0 0
Pfizer Inc COM 717081103   208,037 7,226 SH   SOLE   7,226 0 0
Procter and Gamble COM 742718109   465,118 3,174 SH   SOLE   3,174 0 0
Rogers Communications COM 775109200   3,807,252 81,310 SH   SOLE   81,310 0 0
Royal Bank of Canada COM 780087102   10,769,937 106,474 SH   SOLE   106,474 0 0
Scotts Miracle-Gro Co. CL A 810186106   2,264,081 35,515 SH   SOLE   35,515 0 0
Smith & Nephew PLC ADR SPDN ADR NEW 83175M205   4,098,002 150,220 SH   SOLE   150,220 0 0
SPDR Bloomberg Barclays High Yield Bond ETF ETF 78468R622   589,221 6,220 SH   SOLE   6,220 0 0
State Street Corp COM 857477103   3,032,172 39,145 SH   SOLE   39,145 0 0
Sun Life Financial Inc. COM 866796105   5,544,153 106,878 SH   SOLE   106,878 0 0
Taiwan Semiconductor Mfg ADR SPONSORED ADR 874039100   4,874,168 46,867 SH   SOLE   46,867 0 0
TC Energy Corp. COM 87807B107   6,457,841 165,282 SH   SOLE   165,282 0 0
Telus Corp. COM 87971M996   4,456,693 250,387 SH   SOLE   250,387 0 0
Toronto Dominion Bank COM NEW 891160509   8,494,124 131,425 SH   SOLE   131,425 0 0
Tractor Supply Co COM 892356106   3,903,870 18,155 SH   SOLE   18,155 0 0
Unilever PLC ADR SPON ADR NEW 904767704   3,953,059 81,540 SH   SOLE   81,540 0 0
Viatris Inc COM 92556V106   6,868,180 634,181 SH   SOLE   634,181 0 0
Visa Inc. COM 92826C839   7,392,638 28,395 SH   SOLE   28,395 0 0
Walt Disney Co. COM 254687106   5,750,480 63,689 SH   SOLE   63,689 0 0
Warner Bros. Discovery Inc. Class A COM SER A 934423104   2,532,357 222,527 SH   SOLE   222,527 0 0