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
ABBOTT LABS COM 002824100   326,468 2,966 SH   SOLE   2,966 0 0
ABBVIE INC COM 00287Y109   2,475,956 15,977 SH   SOLE   15,977 0 0
ADVANCE AUTO PARTS INC COM 00751Y106   1,123,562 18,410 SH   SOLE   18,410 0 0
AFLAC INC COM 001055102   734,250 8,900 SH   SOLE   8,900 0 0
AIR PRODS & CHEMS INC COM 009158106   259,289 947 SH   SOLE   947 0 0
ALPHABET INC CAP STK CL C 02079K107   6,624,274 47,004 SH   SOLE   47,004 0 0
ALPHABET INC CAP STK CL A 02079K305   3,599,672 25,769 SH   SOLE   25,769 0 0
ALTRIA GROUP INC COM 02209S103   5,673,787 140,649 SH   SOLE   140,649 0 0
AMAZON COM INC COM 023135106   920,301 6,057 SH   SOLE   6,057 0 0
AMERICAN EXPRESS CO COM 025816109   1,808,768 9,655 SH   SOLE   9,655 0 0
AMGEN INC COM 031162100   6,849,488 23,781 SH   SOLE   23,781 0 0
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   3,123,926 188,075 SH   SOLE   188,075 0 0
APPLE INC COM 037833100   17,271,674 89,709 SH   SOLE   89,709 0 0
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107   334,864 26,388 SH   SOLE   26,388 0 0
AT&T INC COM 00206R102   938,841 55,950 SH   SOLE   55,950 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   724,071 3,108 SH   SOLE   3,108 0 0
BANK AMERICA CORP COM 060505104   4,887,874 145,170 SH   SOLE   145,170 0 0
BANK NEW YORK MELLON CORP COM 064058100   1,902,428 36,550 SH   SOLE   36,550 0 0
BECTON DICKINSON & CO COM 075887109   341,362 1,400 SH   SOLE   1,400 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,316,896 34,534 SH   SOLE   34,534 0 0
BLACKROCK INC COM 09247X101   3,193,621 3,934 SH   SOLE   3,934 0 0
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   1,442,255 52,180 SH   SOLE   52,180 0 0
BOOKING HOLDINGS INC COM 09857L108   553,366 156 SH   SOLE   156 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   2,775,409 54,091 SH   SOLE   54,091 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   4,098,638 139,933 SH   SOLE   139,933 0 0
BROADCOM INC COM 11135F101   668,634 599 SH   SOLE   599 0 0
CANNAE HLDGS INC COM 13765N107   405,808 20,800 SH   SOLE   20,800 0 0
CARMAX INC COM 143130102   4,545,310 59,230 SH   SOLE   59,230 0 0
CHEVRON CORP NEW COM 166764100   1,922,374 12,888 SH   SOLE   12,888 0 0
CISCO SYS INC COM 17275R102   7,740,422 153,215 SH   SOLE   153,215 0 0
CITIGROUP INC COM NEW 172967424   5,235,563 101,780 SH   SOLE   101,780 0 0
CME GROUP INC COM 12572Q105   6,026,469 28,616 SH   SOLE   28,616 0 0
COCA COLA CO COM 191216100   455,882 7,736 SH   SOLE   7,736 0 0
CONOCOPHILLIPS COM 20825C104   244,443 2,106 SH   SOLE   2,106 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,653,543 5,535 SH   SOLE   5,535 0 0
CUMMINS INC COM 231021106   719,429 3,003 SH   SOLE   3,003 0 0
CVS HEALTH CORP COM 126650100   2,368,800 30,000 SH   SOLE   30,000 0 0
D R HORTON INC COM 23331A109   7,539,728 49,610 SH   SOLE   49,610 0 0
DANAHER CORPORATION COM 235851102   708,826 3,064 SH   SOLE   3,064 0 0
DAVITA INC COM 23918K108   4,561,250 43,540 SH   SOLE   43,540 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   2,375,582 59,050 SH   SOLE   59,050 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   342,301 2,350 SH   SOLE   2,350 0 0
EBAY INC. COM 278642103   2,334,761 53,525 SH   SOLE   53,525 0 0
EMERSON ELEC CO COM 291011104   2,155,762 22,149 SH   SOLE   22,149 0 0
EXXON MOBIL CORP COM 30231G102   2,057,988 20,584 SH   SOLE   20,584 0 0
FEDERATED HERMES INC CL B 314211103   5,583,514 164,900 SH   SOLE   164,900 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   5,445,346 90,650 SH   SOLE   90,650 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   229,486 2,968 SH   SOLE   2,968 0 0
GENERAL ELECTRIC CO COM NEW 369604301   5,472,902 42,881 SH   SOLE   42,881 0 0
GRAINGER W W INC COM 384802104   828,690 1,000 SH   SOLE   1,000 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   425,094 25,035 SH   SOLE   25,035 0 0
HP INC COM 40434L105   1,636,896 54,400 SH   SOLE   54,400 0 0
ILLINOIS TOOL WKS INC COM 452308109   602,462 2,300 SH   SOLE   2,300 0 0
INTEL CORP COM 458140100   809,025 16,100 SH   SOLE   16,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,566,318 9,577 SH   SOLE   9,577 0 0
INTUIT COM 461202103   2,392,615 3,828 SH   SOLE   3,828 0 0
ISHARES GOLD TR ISHARES NEW 464285204   800,037 20,498 SH   SOLE   20,498 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   252,895 1,260 SH   SOLE   1,260 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   261,149 5,159 SH   SOLE   5,159 0 0
ISHARES TR CORE MSCI EAFE 46432F842   369,549 5,253 SH   SOLE   5,253 0 0
ISHARES TR CORE S&P500 ETF 464287200   425,568 891 SH   SOLE   891 0 0
ITURAN LOCATION AND CONTROL SHS M6158M104   3,621,558 132,950 SH   SOLE   132,950 0 0
JOHNSON & JOHNSON COM 478160104   2,447,652 15,616 SH   SOLE   15,616 0 0
JPMORGAN CHASE & CO COM 46625H100   9,456,880 55,596 SH   SOLE   55,596 0 0
KINDER MORGAN INC DEL COM 49456B101   1,511,748 85,700 SH   SOLE   85,700 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   5,276,313 226,160 SH   SOLE   226,160 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   3,595,046 15,817 SH   SOLE   15,817 0 0
LKQ CORP COM 501889208   7,110,483 148,786 SH   SOLE   148,786 0 0
LOCKHEED MARTIN CORP COM 539830109   1,298,079 2,864 SH   SOLE   2,864 0 0
LOWES COS INC COM 548661107   826,106 3,712 SH   SOLE   3,712 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,291,212 5,372 SH   SOLE   5,372 0 0
MCKESSON CORP COM 58155Q103   10,539,740 22,765 SH   SOLE   22,765 0 0
MEDTRONIC PLC SHS G5960L103   5,015,624 60,884 SH   SOLE   60,884 0 0
MERCK & CO INC COM 58933Y105   5,645,928 51,788 SH   SOLE   51,788 0 0
META PLATFORMS INC CL A 30303M102   464,396 1,312 SH   SOLE   1,312 0 0
MICROSOFT CORP COM 594918104   14,751,297 39,228 SH   SOLE   39,228 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209   2,792,400 45,620 SH   SOLE   45,620 0 0
NEWMONT CORP COM 651639106   2,027,489 48,985 SH   SOLE   48,985 0 0
NORFOLK SOUTHN CORP COM 655844108   1,820,126 7,700 SH   SOLE   7,700 0 0
NOVARTIS AG SPONSORED ADR 66987V109   207,897 2,059 SH   SOLE   2,059 0 0
OMNICOM GROUP INC COM 681919106   242,228 2,800 SH   SOLE   2,800 0 0
ORACLE CORP COM 68389X105   2,736,436 25,955 SH   SOLE   25,955 0 0
PAYPAL HLDGS INC COM 70450Y103   800,479 13,035 SH   SOLE   13,035 0 0
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115   634 24,000 SH   SOLE   24,000 0 0
PEPSICO INC COM 713448108   2,421,239 14,256 SH   SOLE   14,256 0 0
PFIZER INC COM 717081103   1,988,237 69,060 SH   SOLE   69,060 0 0
PHILIP MORRIS INTL INC COM 718172109   607,569 6,458 SH   SOLE   6,458 0 0
PRICE T ROWE GROUP INC COM 74144T108   2,430,240 22,567 SH   SOLE   22,567 0 0
PROCTER AND GAMBLE CO COM 742718109   1,702,062 11,615 SH   SOLE   11,615 0 0
PROGRESSIVE CORP COM 743315103   691,753 4,343 SH   SOLE   4,343 0 0
PULTE GROUP INC COM 745867101   1,150,903 11,150 SH   SOLE   11,150 0 0
QUALCOMM INC COM 747525103   7,303,526 50,498 SH   SOLE   50,498 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   7,430,178 87,035 SH   SOLE   87,035 0 0
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102   967,428 25,750 SH   SOLE   25,750 0 0
SONY GROUP CORP SPONSORED ADR 835699307   5,817,754 61,440 SH   SOLE   61,440 0 0
SS&C TECHNOLOGIES HLDGS INC COM 78467J100   742,487 12,150 SH   SOLE   12,150 0 0
SUNCOR ENERGY INC NEW COM 867224107   3,428,440 107,005 SH   SOLE   107,005 0 0
TANGER INC COM 875465106   2,286,900 82,500 SH   SOLE   82,500 0 0
TARGET CORP COM 87612E106   1,960,554 13,766 SH   SOLE   13,766 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   293,656 1,204 SH   SOLE   1,204 0 0
TRAVELERS COMPANIES INC COM 89417E109   552,421 2,900 SH   SOLE   2,900 0 0
UNILEVER PLC SPON ADR NEW 904767704   1,678,668 34,626 SH   SOLE   34,626 0 0
UNION PAC CORP COM 907818108   4,177,014 17,006 SH   SOLE   17,006 0 0
UNITED PARCEL SERVICE INC CL B 911312106   5,861,534 37,280 SH   SOLE   37,280 0 0
US BANCORP DEL COM NEW 902973304   541,000 12,500 SH   SOLE   12,500 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   338,083 774 SH   SOLE   774 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   291,075 5,022 SH   SOLE   5,022 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   746,234 19,794 SH   SOLE   19,794 0 0
VITESSE ENERGY INC COMMON STOCK 92852X103   1,196,310 54,651 SH   SOLE   54,651 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,313,855 50,320 SH   SOLE   50,320 0 0
WALMART INC COM 931142103   1,135,080 7,200 SH   SOLE   7,200 0 0
WASTE MGMT INC DEL COM 94106L109   7,290,445 40,706 SH   SOLE   40,706 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   1,927,714 39,070 SH   SOLE   39,070 0 0
WHIRLPOOL CORP COM 963320106   1,677,991 13,780 SH   SOLE   13,780 0 0
WK KELLOGG CO COM SHS 92942W107   4,038,448 307,340 SH   SOLE   307,340 0 0
ZOETIS INC CL A 98978V103   326,647 1,655 SH   SOLE   1,655 0 0