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
AbbVie Inc. COM 00287y109   2,058,094 11,302 SH   SOLE   11,302 0 0
Accenture PLC - Cl A COM G1151C101   3,219,660 9,289 SH   SOLE   9,289 0 0
Alimentation Couche-Tard Inc. COM 01626p148   1,648,780 28,800 SH   SOLE   28,800 0 0
Alphabet, Inc. - Cl A COM 02079k305   4,715,053 31,240 SH   SOLE   31,240 0 0
Alphabet, Inc. - Cl C COM 02079k107   3,599,429 23,640 SH   SOLE   23,640 0 0
Altria Group, Inc. COM 02209s103   347,477 7,966 SH   SOLE   7,966 0 0
Amazon.com, Inc. COM 023135106   878,451 4,870 SH   SOLE   4,870 0 0
Amdocs Ltd. COM G02602103   201,977 2,235 SH   SOLE   2,235 0 0
Amgen, Inc. COM 031162100   2,890,966 10,168 SH   SOLE   10,168 0 0
Apple Inc. COM 037833100   11,776,218 68,674 SH   SOLE   68,674 0 0
Bank of America Corp. COM 060505104   771,027 20,333 SH   SOLE   20,333 0 0
Berkshire Hathaway, Inc. - Class B COM 084670702   7,673,228 18,247 SH   SOLE   18,247 0 0
Berkshire Hathaway, Inc. - Class A COM 084670108   634,440 1 SH   SOLE   1 0 0
BNY Mellon Corp. COM 064058100   1,503,594 26,095 SH   SOLE   26,095 0 0
Cameco Corp. COM 13321L108   1,760,308 40,635 SH   SOLE   40,635 0 0
CF Industries Hldgs, Inc. COM 125269100   1,251,146 15,036 SH   SOLE   15,036 0 0
Charter Communications, Inc. COM 16119p108   387,410 1,333 SH   SOLE   1,333 0 0
Chevron Corp. COM 166764100   207,428 1,315 SH   SOLE   1,315 0 0
Chubb Ltd. COM H1467J104   359,413 1,387 SH   SOLE   1,387 0 0
Cisco Systems, Inc. COM 17275R102   2,199,783 44,075 SH   SOLE   44,075 0 0
Coca-Cola Co. COM 191216100   598,096 9,776 SH   SOLE   9,776 0 0
Comcast Corp. Cl A COM 20030n101   1,184,539 27,325 SH   SOLE   27,325 0 0
ConocoPhillips COM 20825c104   2,486,160 19,533 SH   SOLE   19,533 0 0
Costco Wholesale Corp. COM 22160k105   663,030 905 SH   SOLE   905 0 0
Diageo, plc COM 25243q205   1,492,903 10,037 SH   SOLE   10,037 0 0
Discover Financial Services COM 254709108   402,446 3,070 SH   SOLE   3,070 0 0
Edgewell Personal Care Co. COM 28035q102   384,738 9,957 SH   SOLE   9,957 0 0
Eli Lilly & Co. COM 532457108   700,164 900 SH   SOLE   900 0 0
Energizer Holdings, Inc. COM 29272W109   229,043 7,780 SH   SOLE   7,780 0 0
Exxon Mobil Corp. COM 30231G102   1,494,033 12,853 SH   SOLE   12,853 0 0
Fair Isaac Corp. COM 303250104   568,573 455 SH   SOLE   455 0 0
FedEx Corp. COM 31428x106   587,303 2,027 SH   SOLE   2,027 0 0
Fomento Economico Mexicano, S.A.B. COM 344419106   1,155,495 8,870 SH   SOLE   8,870 0 0
Fortrea Holdings Inc. COM 34965k107   277,689 6,918 SH   SOLE   6,918 0 0
Home Depot, Inc. COM 437076102   6,295,643 16,412 SH   SOLE   16,412 0 0
Intel Corp. COM 458140100   1,630,736 36,920 SH   SOLE   36,920 0 0
Invesco QQQ Trust ETF 46090e103   377,408 850 SH   SOLE   850 0 0
iShares MSCI EAFE Index Fund ETF 464287465   373,745 4,680 SH   SOLE   4,680 0 0
iShares PHLX Semiconductor ETF ETF 464287523   254,160 1,125 SH   SOLE   1,125 0 0
iShares S&P 100 Index Fund ETF 464287101   1,107,160 4,475 SH   SOLE   4,475 0 0
J.P. Morgan Chase & Co. COM 46625h100   1,049,973 5,242 SH   SOLE   5,242 0 0
Johnson & Johnson COM 478160104   2,489,911 15,740 SH   SOLE   15,740 0 0
Kimberly-Clark Corp. COM 494368103   515,460 3,985 SH   SOLE   3,985 0 0
Laboratory Corp. of America Holdings COM 50540r409   1,535,337 7,028 SH   SOLE   7,028 0 0
Liberty Global plc - Series C COM G61188127   336,836 19,095 SH   SOLE   19,095 0 0
Lincoln Electric Hldgs, Inc. COM 533900106   1,942,877 7,606 SH   SOLE   7,606 0 0
Manulife Financial Corp. COM 56501r106   272,041 10,886 SH   SOLE   10,886 0 0
McDonald's Corp. COM 580135101   558,261 1,980 SH   SOLE   1,980 0 0
McKesson Corp. COM 58155Q103   5,159,665 9,611 SH   SOLE   9,611 0 0
Meta Platforms, Inc. - Cl A COM 30303m102   1,455,769 2,998 SH   SOLE   2,998 0 0
Microsoft Corp. COM 594918104   11,842,427 28,148 SH   SOLE   28,148 0 0
Nestle SA COM 641069406   639,643 6,023 SH   SOLE   6,023 0 0
NVR, Inc. COM 62944t105   1,417,493 175 SH   SOLE   175 0 0
Occidental Petroleum Corp. COM 674599105   254,436 3,915 SH   SOLE   3,915 0 0
Oracle Corp. COM 68389X105   3,589,934 28,580 SH   SOLE   28,580 0 0
PepsiCo, Inc. COM 713448108   754,293 4,310 SH   SOLE   4,310 0 0
Philip Morris Int'l Inc. COM 718172109   1,896,242 20,697 SH   SOLE   20,697 0 0
Progressive Corp. COM 743315103   1,889,714 9,137 SH   SOLE   9,137 0 0
Schlumberger Ltd. COM 806857108   415,186 7,575 SH   SOLE   7,575 0 0
Schwab U.S. Broad Market ETF ETF 808524102   270,451 4,430 SH   SOLE   4,430 0 0
Select Sector SPDR - Communications ETF 81369y852   310,308 3,800 SH   SOLE   3,800 0 0
Select Sector SPDR - Consumer Disc. ETF 81369y407   496,503 2,700 SH   SOLE   2,700 0 0
Select Sector SPDR - Health Care ETF 81369y209   251,141 1,700 SH   SOLE   1,700 0 0
Select Sector SPDR - Industrials ETF 81369y704   333,794 2,650 SH   SOLE   2,650 0 0
Select Sector SPDR - Materials ETF 81369y100   201,107 2,165 SH   SOLE   2,165 0 0
Select Sector SPDR - Technology ETF 81369y803   722,697 3,470 SH   SOLE   3,470 0 0
Shell PLC - ADR COM 780259305   517,884 7,725 SH   SOLE   7,725 0 0
Southern Co. COM 842587107   206,826 2,883 SH   SOLE   2,883 0 0
SPDR Dow Jones Industrial ETF ETF 78467x109   258,544 650 SH   SOLE   650 0 0
SPDR S&P 500 ETF Trust ETF 78462f103   3,266,572 6,245 SH   SOLE   6,245 0 0
Target Corp. COM 87612e106   239,233 1,350 SH   SOLE   1,350 0 0
The Interpublic Group of Cos., Inc. COM 460690100   1,075,681 32,966 SH   SOLE   32,966 0 0
The Procter & Gamble Co. COM 742718109   1,736,886 10,705 SH   SOLE   10,705 0 0
The Walt Disney Co. COM 254687106   2,289,478 18,711 SH   SOLE   18,711 0 0
Trane Technologies PLC COM G8994e103   345,230 1,150 SH   SOLE   1,150 0 0
TripAdvisor Inc. COM 896945201   223,709 8,050 SH   SOLE   8,050 0 0
Truist Financial Corp. COM 89832q109   259,217 6,650 SH   SOLE   6,650 0 0
Union Pacific Corp. COM 907818108   1,598,053 6,498 SH   SOLE   6,498 0 0
Unum Group COM 91529y106   1,169,788 21,800 SH   SOLE   21,800 0 0
Vanguard Dividend Appreciation ETF 921908844   5,628,040 30,820 SH   SOLE   30,820 0 0
Vanguard Emerging Markets ETF ETF 922042858   369,247 8,840 SH   SOLE   8,840 0 0
Vanguard Total Stock Market ETF ETF 922908769   3,763,352 14,480 SH   SOLE   14,480 0 0
Verizon Communications, Inc. COM 92343v104   837,438 19,958 SH   SOLE   19,958 0 0
Walmart Inc. COM 931142103   3,752,803 62,370 SH   SOLE   62,370 0 0
Yelp Inc. COM 985817105   363,465 9,225 SH   SOLE   9,225 0 0