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
AT&T INC COM 00206R102 641,744 26,301 SH SOLE 0 0 0
ABBVIE INC COM 00287Y109 209,272 800 SH SOLE 0 0 0
ADVANCED MICRO DEVICES INC COM 007903107 744,512 1,217 SH SOLE 0 0 0
AGNICO EAGLE MINES LTD COM 008474108 206,179 1,125 SH SOLE 0 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 2,290,111 8,231 SH SOLE 0 0 0
ALLIANT ENERGY CORP COM 018802108 253,643 4,007 SH SOLE 0 0 0
ALLSTATE CORP COM 020002101 1,305,424 5,884 SH SOLE 0 0 0
ALPHABET INC CAP STK CL C 02079K107 38,375,842 112,625 SH SOLE 0 0 0
ALPHABET INC CAP STK CL A 02079K305 31,130,318 90,474 SH SOLE 0 0 0
ALTRIA GROUP INC COM 02209S103 262,626 3,900 SH SOLE 0 0 0
AMAZON COM INC COM 023135106 19,509,442 78,304 SH SOLE 0 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 219,052 1,860 SH SOLE 0 0 0
AMERICAN EXPRESS CO COM 025816109 25,700,099 84,512 SH SOLE 0 0 0
AMGEN INC COM 031162100 919,313 2,181 SH SOLE 0 0 0
AMPHENOL CORP CL A 032095101 244,470 2,900 SH SOLE 0 0 0
ELEVANCE HEALTH INC FORMERLY COM 036752103 239,902 617 SH SOLE 0 0 0
APA CORPORATION COM 03743Q108 287,872 6,930 SH SOLE 0 0 0
APPLE INC COM 037833100 9,089,448 27,294 SH SOLE 0 0 0
ARBOR REALTY TRUST INC COM 038923108 42,474 11,004 SH SOLE 0 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 18,769,220 72,732 SH SOLE 0 0 0
AUTOZONE INC COM 053332102 608,454 215 SH SOLE 0 0 0
BP PLC SPONSORED ADR 055622104 614,628 13,972 SH SOLE 0 0 0
BAKER HUGHES COMPANY CL A 05722G100 1,086,196 19,785 SH SOLE 0 0 0
BANK OF AMER CORP COM 060505104 1,891,275 34,747 SH SOLE 0 0 0
BANK OF NY MELLON CORP COM 064058100 4,307,081 29,780 SH SOLE 0 0 0
BERKLEY W R CORP COM 084423102 4,793,719 70,976 SH SOLE 0 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,988,020 4 SH SOLE 0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 68,811,019 138,189 SH SOLE 0 0 0
BLACKSTONE INC COM 09260D107 4,934,986 44,027 SH SOLE 0 0 0
BLACKROCK TECH AND PRIVATE E SHS BEN INT 09260Q108 89,800 10,000 SH SOLE 0 0 0
BLACKROCK INC COM 09290D101 4,256,442 4,022 SH SOLE 0 0 0
BLUE OWL CAPITAL INC COM CL A 09581B103 93,172 10,250 SH SOLE 0 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 621,829 9,965 SH SOLE 0 0 0
BROADCOM INC COM 11135F101 637,410 1,815 SH SOLE 0 0 0
CBRE GROUP INC CL A 12504L109 263,364 2,050 SH SOLE 0 0 0
CSX CORP COM 126408103 4,572,243 98,307 SH SOLE 0 0 0
CANADIAN NATL RY CO COM 136375102 822,907 6,921 SH SOLE 0 0 0
CAPITAL ONE FINL CORP COM 14040H105 205,403 1,064 SH SOLE 0 0 0
CATERPILLAR INC COM 149123101 466,204 575 SH SOLE 0 0 0
CHEVRON CORPORATION COM 166764100 12,929,284 63,314 SH SOLE 0 0 0
CHIME FINL INC COM SHS CL A 16935C109 2,464,200 92,500 SH SOLE 0 0 0
CHURCH & DWIGHT CO INC COM 171340102 307,628 3,265 SH SOLE 0 0 0
CISCO SYS INC COM 17275R102 855,636 7,950 SH SOLE 0 0 0
CINTAS CORP COM 172908105 1,716,528 8,800 SH SOLE 0 0 0
CITIGROUP INC COM NEW 172967424 354,291 2,736 SH SOLE 0 0 0
COCA COLA CO COM 191216100 7,773,540 90,306 SH SOLE 0 0 0
COLGATE PALMOLIVE CO COM 194162103 1,144,583 13,415 SH SOLE 0 0 0
COMCAST CORP NEW CL A 20030N101 1,920,472 88,257 SH SOLE 0 0 0
CONOCOPHILLIPS COM 20825C104 750,775 5,999 SH SOLE 0 0 0
CORTEVA INC COM 22052L104 912,465 11,751 SH SOLE 0 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 4,904,002 5,387 SH SOLE 0 0 0
CROCS INC COM 227046109 350,992 2,992 SH SOLE 0 0 0
D R HORTON INC COM 23331A109 1,513,809 11,078 SH SOLE 0 0 0
DEERE & CO COM 244199105 1,754,089 2,612 SH SOLE 0 0 0
DEVON ENERGY CORP NEW COM 25179M103 437,380 9,500 SH SOLE 0 0 0
DISNEY WALT CO COM 254687106 3,513,629 33,495 SH SOLE 0 0 0
DOMINOS PIZZA INC COM 25754A201 235,793 787 SH SOLE 0 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 253,858 1,954 SH SOLE 0 0 0
EOG RES INC COM 26875P101 413,280 3,000 SH SOLE 0 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 2,998,325 34,735 SH SOLE 0 0 0
EMERSON ELEC CO COM 291011104 653,591 4,214 SH SOLE 0 0 0
EXPEDITORS INTL WASH INC COM 302130109 2,917,312 15,800 SH SOLE 0 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 44,195,603 271,555 SH SOLE 0 0 0
META PLATFORMS INC CL A 30303M102 28,097,099 38,745 SH SOLE 0 0 0
FEDEX CORP COM 31428X106 1,402,358 4,919 SH SOLE 0 0 0
FEDEX FGHT HLDG CO INC COMMON STOCK 314352105 247,855 2,266 SH SOLE 0 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 943,426 14,432 SH SOLE 0 0 0
GE VERNOVA INC COM 36828A101 9,870,839 10,385 SH SOLE 0 0 0
GE AEROSPACE COM NEW 369604301 13,282,291 42,532 SH SOLE 0 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 12,533,011 13,920 SH SOLE 0 0 0
HAMILTON LANE INC CL A 407497106 1,996,651 22,987 SH SOLE 0 0 0
HOME DEPOT INC COM 437076102 5,344,714 18,787 SH SOLE 0 0 0
HONEYWELL AEROSPACE INC COM 43849R105 3,334,335 21,516 SH SOLE 0 0 0
HONEYWELL INTL INC COM 438516205 4,506,522 21,364 SH SOLE 0 0 0
IDEXX LABS INC COM 45168D104 892,945 1,710 SH SOLE 0 0 0
ILLUMINA INC COM 452327109 459,782 1,680 SH SOLE 0 0 0
INTEL CORP COM 458140100 2,723,210 22,650 SH SOLE 0 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,226,539 1,658 SH SOLE 0 0 0
INTUIT COM 461202103 14,371,961 52,127 SH SOLE 0 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 232,186 571 SH SOLE 0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 539,188 2,592 SH SOLE 0 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 462,139 1,517 SH SOLE 0 0 0
ISHARES TR CORE S&P500 ETF 464287200 398,242 520 SH SOLE 0 0 0
ISHARES TR GLOBAL TECH ETF 464287291 266,796 1,800 SH SOLE 0 0 0
ISHARES TR ISHARES SEMICDTR 464287523 239,972 422 SH SOLE 0 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,089,704 5,176 SH SOLE 0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 253,025 2,020 SH SOLE 0 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 418,900 2,000 SH SOLE 0 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 321,210 900 SH SOLE 0 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,434,039 8,759 SH SOLE 0 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,649,997 32,258 SH SOLE 0 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 1,231,316 12,230 SH SOLE 0 0 0
JPMORGAN CHASE & CO COM 46625H100 25,477,143 77,010 SH SOLE 0 0 0
JOHNSON & JOHNSON COM 478160104 10,631,262 40,157 SH SOLE 0 0 0
KINDER MORGAN INC DEL COM 49456B101 3,046,235 101,036 SH SOLE 0 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 3,241,282 13,689 SH SOLE 0 0 0
ELI LILLY & CO COM 532457108 5,529,685 4,779 SH SOLE 0 0 0
LOCKHEED MARTIN CORP COM 539830109 2,897,123 5,689 SH SOLE 0 0 0
LOWES COS INC COM 548661107 697,538 3,785 SH SOLE 0 0 0
MARKEL GROUP INC COM 570535104 4,423,258 2,583 SH SOLE 0 0 0
MARRIOTT INTL INC NEW CL A 571903202 3,916,638 11,012 SH SOLE 0 0 0
MASTERCARD INCORPORATED CL A 57636Q104 17,241,158 31,264 SH SOLE 0 0 0
MCDONALDS CORP COM 580135101 1,375,479 5,956 SH SOLE 0 0 0
MERCK & CO INC COM 58933Y105 1,509,296 10,387 SH SOLE 0 0 0
MICROSOFT CORP COM 594918104 67,475,860 131,558 SH SOLE 0 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 373,296 4,800 SH SOLE 0 0 0
MICRON TECHNOLOGY INC COM 595112103 324,859 305 SH SOLE 0 0 0
MOODYS CORP COM 615369105 960,939 2,116 SH SOLE 0 0 0
MORGAN STANLEY COM NEW 617446448 17,303,736 92,002 SH SOLE 0 0 0
NETFLIX INC. COM 64110L106 8,305,069 119,360 SH SOLE 0 0 0
NEWMONT CORP COM 651639106 275,086 2,385 SH SOLE 0 0 0
NORFOLK SOUTHN CORP COM 655844108 4,774,050 15,450 SH SOLE 0 0 0
NUCOR CORP COM 670346105 641,644 2,745 SH SOLE 0 0 0
NVIDIA CORPORATION COM 67066G104 3,652,025 15,991 SH SOLE 0 0 0
ORACLE CORP COM 68389X105 215,561 1,570 SH SOLE 0 0 0
PACER FDS TR US CASH COWS 100 69374H881 222,258 3,329 SH SOLE 0 0 0
PALO ALTO NETWORKS INC COM 697435105 3,325,485 8,370 SH SOLE 0 0 0
PAYCHEX INC COM 704326107 8,488,843 86,181 SH SOLE 0 0 0
PEMBINA PIPELINE CORP COM 706327103 588,456 13,200 SH SOLE 0 0 0
PEPSICO INC COM 713448108 1,298,279 10,245 SH SOLE 0 0 0
PFIZER INC COM 717081103 1,540,422 54,012 SH SOLE 0 0 0
PHILIP MORRIS INTL INC COM 718172109 1,157,896 6,068 SH SOLE 0 0 0
PHILLIPS 66 COM 718546104 5,469,872 21,424 SH SOLE 0 0 0
PROCTER & GAMBLE CO COM 742718109 12,123,471 83,449 SH SOLE 0 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 370,179 2,944 SH SOLE 0 0 0
QUALCOMM INC COM 747525103 17,575,452 95,498 SH SOLE 0 0 0
RTX CORPORATION COM 75513E101 15,310,184 82,468 SH SOLE 0 0 0
ROCKET LAB CORP COM 773121108 857,134 12,301 SH SOLE 0 0 0
SLM CORP COM 78442P106 1,482,378 65,505 SH SOLE 0 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,002,956 2,626 SH SOLE 0 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,882,873 4,944 SH SOLE 0 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 671,814 1,023 SH SOLE 0 0 0
SKYX PLATFORMS CORP COM 78471E105 25,875 22,500 SH SOLE 0 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 16,884,976 172,754 SH SOLE 0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 728,642 26,525 SH SOLE 0 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 254,084 1,298 SH SOLE 0 0 0
SHERWIN WILLIAMS CO COM 824348106 5,927,479 18,336 SH SOLE 0 0 0
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 527,380 9,364 SH SOLE 0 0 0
SOLVENTUM CORP COM SHS 83444M101 368,291 4,178 SH SOLE 0 0 0
STANLEY BLACK & DECKER INC COM 854502101 236,004 2,664 SH SOLE 0 0 0
STRYKER CORPORATION COM 863667101 792,572 2,878 SH SOLE 0 0 0
SYSCO CORP COM 871829107 1,737,728 22,290 SH SOLE 0 0 0
TJX COS INC NEW COM 872540109 299,021 2,260 SH SOLE 0 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 3,534,104 7,747 SH SOLE 0 0 0
TC ENERGY CORP COM 87807B107 3,614,428 62,555 SH SOLE 0 0 0
TEXAS INSTRS INC COM 882508104 7,391,455 26,390 SH SOLE 0 0 0
TEXTRON INC COM 883203101 2,828,011 37,113 SH SOLE 0 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 12,317,637 18,247 SH SOLE 0 0 0
3M CO COM 88579Y101 3,749,350 22,841 SH SOLE 0 0 0
TOAST INC CL A 888787108 2,018,284 69,620 SH SOLE 0 0 0
TRAVELERS COMPANIES INC COM 89417E109 344,032 965 SH SOLE 0 0 0
TRINET GROUP INC COM 896288107 667,302 10,670 SH SOLE 0 0 0
UBER TECHNOLOGIES INC COM 90353T100 5,170,861 75,476 SH SOLE 0 0 0
UNION PAC CORP COM 907818108 24,893,636 91,477 SH SOLE 0 0 0
UNITED PARCEL SVCS INC CL B 911312106 479,626 5,133 SH SOLE 0 0 0
VALVOLINE INC COM 92047W101 689,603 22,880 SH SOLE 0 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,930,411 16,846 SH SOLE 0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,841,932 26,086 SH SOLE 0 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 14,441,092 152,945 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 380,417 4,585 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 996,586 16,803 SH SOLE 0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 216,534 309 SH SOLE 0 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 955,105 2,552 SH SOLE 0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 415,976 9,069 SH SOLE 0 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 728,274 1,393 SH SOLE 0 0 0
VISA INC COM CL A 92826C839 32,736,708 91,105 SH SOLE 0 0 0
WABTEC COM 929740108 460,062 1,602 SH SOLE 0 0 0
WASHINGTON TR BANCORP INC COM 940610108 227,940 6,000 SH SOLE 0 0 0
WELLS FARGO & CO COM 949746101 8,177,668 102,157 SH SOLE 0 0 0
Z SQUARED INC COM NEW 98878K108 49,920 12,000 SH SOLE 0 0 0
EATON CORP PLC SHS G29183103 2,469,114 5,746 SH SOLE 0 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 304,732 2,050 SH SOLE 0 0 0
LINDE PLC SHS G54950103 237,325 500 SH SOLE 0 0 0
MEDTRONIC PLC SHS G5960L103 281,737 3,265 SH SOLE 0 0 0
CHUBB LIMITED COM H1467J104 6,169,993 18,970 SH SOLE 0 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 1,257,928 2,581 SH SOLE 0 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 277,186 153 SH SOLE 0 0 0