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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Adobe Systems Inc. COM 00724F101 5,522,712 14,275 SH SOLE 14,275 0 0
Allstate Corporation COM 020002101 10,412,961 51,726 SH SOLE 51,726 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 10,671,607 60,555 SH SOLE 60,555 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 588,047 3,315 SH SOLE 3,315 0 0
Amazon.Com Inc COM 023135106 9,815,289 44,739 SH SOLE 44,739 0 0
American Express Co. COM 025816109 10,474,984 32,839 SH SOLE 32,839 0 0
Apple Inc. COM 037833100 3,277,590 15,975 SH SOLE 15,975 0 0
Automatic Data Processing Inc. COM 053015103 2,622,633 8,504 SH SOLE 8,504 0 0
Bank of Montreal COM 063671101 10,203,776 92,014 SH SOLE 92,014 0 0
Bank of Nova Scotia COM 064149107 9,350,876 168,991 SH SOLE 168,991 0 0
BCE Inc. COM 05534B760 4,008,554 180,623 SH SOLE 180,623 0 0
Becton Dickinson & Co COM 075887109 4,704,664 27,313 SH SOLE 27,313 0 0
Berkshire Hathaway B COM 084670702 11,233,917 23,126 SH SOLE 23,126 0 0
BERKSHIRE HATHAWAY CL A CL B NEW 084670108 728,800 1 SH SOLE 1 0 0
Brookfield Corp CL A LTD VT SH 11271J107 6,342,500 102,407 SH SOLE 102,407 0 0
Cdn Imperial Bk of Commerce COM 136069101 12,956,716 180,597 SH SOLE 180,597 0 0
Cdn National Railway COM 136375102 7,025,638 67,380 SH SOLE 67,380 0 0
CDN Natural Resources LTD COM 136385101 2,742,966 87,210 SH SOLE 87,210 0 0
Cdn Pacific KC Railway Ltd COM 13646K108 7,852,120 98,771 SH SOLE 98,771 0 0
Cenovus Energy Inc. COM 15135U109 496,113 36,433 SH SOLE 36,433 0 0
Cisco Systems Inc COM 17275R102 7,860,268 113,293 SH SOLE 113,293 0 0
Corteva Inc. COM 22052L104 8,225,876 110,370 SH SOLE 110,370 0 0
Costco Wholesale Corp COM 22160K105 451,412 456 SH SOLE 456 0 0
CVS Health Corporation COM 126650100 7,571,037 109,757 SH SOLE 109,757 0 0
Diageo PLC ADR SPONSORED ADR 25243Q205 5,644,014 55,970 SH SOLE 55,970 0 0
Electronic Arts Inc COM 285512109 7,796,554 48,820 SH SOLE 48,820 0 0
Eli Lilly & Co COM 532457108 245,551 315 SH SOLE 315 0 0
Goldman Sachs COM 38141G104 7,357,061 10,395 SH SOLE 10,395 0 0
ING Groep ADR SPONSORED ADR 456837103 224,167 10,250 SH SOLE 10,250 0 0
iShares iBoxx $ High Yield Corporate Bond ETF ETF 464288513 2,261,426 28,040 SH SOLE 28,040 0 0
iShares MSCI World ETF ETF 464286392 1,656,367 9,779 SH SOLE 9,779 0 0
Johnson & Johnson COM 478160104 5,499,916 36,006 SH SOLE 36,006 0 0
JPMorgan Chase & Co COM 46625H100 11,167,333 38,520 SH SOLE 38,520 0 0
Kenvue Inc COM 49177J102 3,915,375 187,070 SH SOLE 187,070 0 0
Kraft Heinz Company COM 500754106 2,783,912 107,820 SH SOLE 107,820 0 0
Magna International Inc. COM 559222401 3,249,717 84,009 SH SOLE 84,009 0 0
Manulife Financial Corp. COM 56501R106 6,139,715 191,895 SH SOLE 191,895 0 0
McDonalds Corp COM 580135101 364,335 1,247 SH SOLE 1,247 0 0
Merck & Company COM 58933Y105 207,636 2,623 SH SOLE 2,623 0 0
Meta Platforms COM 30303M102 10,063,119 13,634 SH SOLE 13,634 0 0
Microsoft Corp COM 594918104 14,178,174 28,504 SH SOLE 28,504 0 0
Middleby Corp COM 596278101 3,504,240 24,335 SH SOLE 24,335 0 0
Morgan Stanley COM 617446448 7,356,836 52,228 SH SOLE 52,228 0 0
Nike Inc.Cl B COM 654106103 2,582,730 36,356 SH SOLE 36,356 0 0
Nutrien Ltd COM 67077M108 5,540,798 95,021 SH SOLE 95,021 0 0
NVidia COM 67066G104 458,486 2,902 SH SOLE 2,902 0 0
Open Text Corp COM 683715106 4,921,113 168,298 SH SOLE 168,298 0 0
Oracle Corp COM 68389X105 278,753 1,275 SH SOLE 1,275 0 0
Procter and Gamble COM 742718109 407,062 2,555 SH SOLE 2,555 0 0
Rogers Communications COM 775109200 3,649,632 122,961 SH SOLE 122,961 0 0
Royal Bank of Canada COM 780087102 16,076,998 121,904 SH SOLE 121,904 0 0
Royal Caribbean Cruises COM V7780T103 313,140 1,000 SH SOLE 1,000 0 0
Scotts Miracle-Gro Co. COM 810186106 2,250,225 34,115 SH SOLE 34,115 0 0
Smith & Nephew PLC ADR SPONSORED ADR 83175M205 8,038,537 262,440 SH SOLE 262,440 0 0
SPDR Bloomberg Barclays High Yield Bond ETF ETF 78468R622 1,216,847 12,510 SH SOLE 12,510 0 0
Starbucks Corp COM 855244109 6,387,618 69,711 SH SOLE 69,711 0 0
State Street Corp COM 857477103 4,174,376 39,255 SH SOLE 39,255 0 0
Sun Life Financial Inc. COM 866796105 7,742,062 116,274 SH SOLE 116,274 0 0
Taiwan Semiconductor Mfg ADR SPONSORED ADR 874039100 6,588,141 29,088 SH SOLE 29,088 0 0
TC Energy Corp. COM 87807B107 8,962,487 183,456 SH SOLE 183,456 0 0
Telus Corp. COM 87971M996 5,656,059 351,935 SH SOLE 351,935 0 0
Toronto Dominion Bank COM 891160509 10,979,948 149,177 SH SOLE 149,177 0 0
Tractor Supply Co COM 892356106 4,664,181 88,387 SH SOLE 88,387 0 0
Unilever PLC ADR SPONSORED ADR 904767704 5,784,908 94,571 SH SOLE 94,571 0 0
Viatris Inc COM NEW 92556V106 5,623,095 629,686 SH SOLE 629,686 0 0
Visa Inc. COM 92826C839 9,931,813 27,973 SH SOLE 27,973 0 0
Wal Mart Stores COM 931142103 234,085 2,394 SH SOLE 2,394 0 0
Walt Disney Co. COM 254687106 8,909,498 71,845 SH SOLE 71,845 0 0
Warner Bros. Discovery Inc. Class A COM SER A 934423104 2,548,669 222,397 SH SOLE 222,397 0 0
WisdomTree Japan SmallCap Dividend Fund ETF 97717W836 231,886 2,706 SH SOLE 2,706 0 0