# EDGAR Filing Document

**Accession Number:** 0002103405
**File Stem:** 0002103405-26-000001
**Filing Date:** 2026-1
**Character Count:** 14538
**Document Hash:** eaeaa2de9e6f5e96235e990d964b4de7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002103405-26-000001.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0002103405-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BUFFALO BUSINESS & ESTATE SERVICES LTD
- **CENTRAL INDEX KEY:** 0002103405

**ORGANIZATION NAME:**
- **EIN:** 161124047
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25937
- **FILM NUMBER:** 26544605

**BUSINESS ADDRESS:**
- **STREET 1:** 6195 WEST QUAKER STREET
- **CITY:** ORCHARD PARK
- **STATE:** NY
- **ZIP:** 14127
- **BUSINESS PHONE:** 716-662-4361

**MAIL ADDRESS:**
- **STREET 1:** 6195 WEST QUAKER STREET
- **CITY:** ORCHARD PARK
- **STATE:** NY
- **ZIP:** 14127

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** BUFFALO BUSINESS  ESTATE SERVICES LTD<br>**Address:** 6195 WEST QUAKER STREET<br>ORCHARD PARK, NY 14127

**Form 13F File Number:** 028-25937

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** John Ring<br>**Title:** Compliance Officer<br>**Phone:** 716-662-4361

**Signature, Place, and Date of Signing:**

/s/John Ring  Orchard Park, NY  01-20-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 101

**Form 13F Information Table Value Total:** $695955912

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 280202 | 2236 | SH |  | SOLE |  | 0 | 0 | 2236 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 251304 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 382918 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 33466666 | 106922 | SH |  | SOLE |  | 0 | 0 | 106922 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 307308 | 979 | SH |  | SOLE |  | 0 | 0 | 979 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 30586531 | 132512 | SH |  | SOLE |  | 0 | 0 | 132512 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 422788 | 1143 | SH |  | SOLE |  | 0 | 0 | 1143 |
| AMERIPRISE FINL INC | COM | 03076C106 | BBG001SK6096 | 362846 | 740 | SH |  | SOLE |  | 0 | 0 | 740 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 5471247 | 16716 | SH |  | SOLE |  | 0 | 0 | 16716 |
| API GROUP CORP | COM STK | 00187Y100 | BBG00HVV7984 | 260991 | 6822 | SH |  | SOLE |  | 0 | 0 | 6822 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 37303759 | 137217 | SH |  | SOLE |  | 0 | 0 | 137217 |
| ARISTA NETWORKS INC | COM SHS | 040413205 | BBG001T51KQ0 | 830206 | 6336 | SH |  | SOLE |  | 0 | 0 | 6336 |
| BARRICK MNG CORP | COM SHS | 06849F108 | BBG001S5N9P3 | 2702208 | 62048 | SH |  | SOLE |  | 0 | 0 | 62048 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 638366 | 1270 | SH |  | SOLE |  | 0 | 0 | 1270 |
| BLACKROCK INC | COM | 09290D101 | BBG01PSW2WR0 | 347896 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 378235 | 2454 | SH |  | SOLE |  | 0 | 0 | 2454 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 1576943 | 7263 | SH |  | SOLE |  | 0 | 0 | 7263 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 9812403 | 28351 | SH |  | SOLE |  | 0 | 0 | 28351 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 5440567 | 22448 | SH |  | SOLE |  | 0 | 0 | 22448 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 442396 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 4110671 | 26971 | SH |  | SOLE |  | 0 | 0 | 26971 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 | BBG001SP50B3 | 315721 | 8533 | SH |  | SOLE |  | 0 | 0 | 8533 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | BBG014KFRPJ9 | 3940466 | 11154 | SH |  | SOLE |  | 0 | 0 | 11154 |
| COREWEAVE INC | COM CL A | 21873S108 | BBG011ZTRJ49 | 482866 | 6743 | SH |  | SOLE |  | 0 | 0 | 6743 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 5562194 | 6450 | SH |  | SOLE |  | 0 | 0 | 6450 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 1841768 | 3929 | SH |  | SOLE |  | 0 | 0 | 3929 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 263189 | 7260 | SH |  | SOLE |  | 0 | 0 | 7260 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 286775 | 616 | SH |  | SOLE |  | 0 | 0 | 616 |
| DICKS SPORTING GOODS INC | COM | 253393102 | BBG001SK2651 | 215010 | 1086 | SH |  | SOLE |  | 0 | 0 | 1086 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 227148 | 1997 | SH |  | SOLE |  | 0 | 0 | 1997 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 11353283 | 10564 | SH |  | SOLE |  | 0 | 0 | 10564 |
| FORD MTR CO | COM | 345370860 | BBG001S5TZ33 | 160478 | 12232 | SH |  | SOLE |  | 0 | 0 | 12232 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 357063 | 1159 | SH |  | SOLE |  | 0 | 0 | 1159 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 2153248 | 3295 | SH |  | SOLE |  | 0 | 0 | 3295 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 740379 | 842 | SH |  | SOLE |  | 0 | 0 | 842 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 333488 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 330606 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 1363229 | 2407 | SH |  | SOLE |  | 0 | 0 | 2407 |
| INVESCO ACTIVELY MANAGED EXC | TOTAL RETURN | 46090A804 | BBG00KJR1JM8 | 200160 | 4221 | SH |  | SOLE |  | 0 | 0 | 4221 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 266754 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 | BBG01KYQ6QS5 | 978750 | 19713 | SH |  | SOLE |  | 0 | 0 | 19713 |
| ISHARES SILVER TR | ISHARES | 46428Q109 | BBG001SQLN69 | 335113 | 5202 | SH |  | SOLE |  | 0 | 0 | 5202 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 280557 | 6544 | SH |  | SOLE |  | 0 | 0 | 6544 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 33467197 | 374102 | SH |  | SOLE |  | 0 | 0 | 374102 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 266519 | 4038 | SH |  | SOLE |  | 0 | 0 | 4038 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 346497 | 2883 | SH |  | SOLE |  | 0 | 0 | 2883 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 470494 | 687 | SH |  | SOLE |  | 0 | 0 | 687 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 43881017 | 439337 | SH |  | SOLE |  | 0 | 0 | 439337 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 220194 | 4164 | SH |  | SOLE |  | 0 | 0 | 4164 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 6607972 | 13961 | SH |  | SOLE |  | 0 | 0 | 13961 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 5248699 | 24953 | SH |  | SOLE |  | 0 | 0 | 24953 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 1369946 | 14230 | SH |  | SOLE |  | 0 | 0 | 14230 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 905296 | 3678 | SH |  | SOLE |  | 0 | 0 | 3678 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 7651070 | 78975 | SH |  | SOLE |  | 0 | 0 | 78975 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 282798 | 2573 | SH |  | SOLE |  | 0 | 0 | 2573 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 5266306 | 25447 | SH |  | SOLE |  | 0 | 0 | 25447 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 5605363 | 17396 | SH |  | SOLE |  | 0 | 0 | 17396 |
| KIMCO RLTY CORP | COM | 49446R109 | BBG001S70279 | 217092 | 10710 | SH |  | SOLE |  | 0 | 0 | 10710 |
| KLA CORP | COM NEW | 482480100 | BBG001S5SLM4 | 4994433 | 4110 | SH |  | SOLE |  | 0 | 0 | 4110 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 4708071 | 9734 | SH |  | SOLE |  | 0 | 0 | 9734 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 5146383 | 21340 | SH |  | SOLE |  | 0 | 0 | 21340 |
| M  T BK CORP | COM | 55261F104 | BBG001S7S2B4 | 262690 | 1304 | SH |  | SOLE |  | 0 | 0 | 1304 |
| MARVELL TECHNOLOGY INC | COM | 573874104 | BBG00ZXBJ162 | 291174 | 3426 | SH |  | SOLE |  | 0 | 0 | 3426 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 5445687 | 9539 | SH |  | SOLE |  | 0 | 0 | 9539 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 9054249 | 13717 | SH |  | SOLE |  | 0 | 0 | 13717 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 9820881 | 20307 | SH |  | SOLE |  | 0 | 0 | 20307 |
| MONOLITHIC PWR SYS INC | COM | 609839105 | BBG001SDRGP6 | 488528 | 539 | SH |  | SOLE |  | 0 | 0 | 539 |
| NATIONAL FUEL GAS CO | COM | 636180101 | BBG001S5TLR8 | 205229 | 2563 | SH |  | SOLE |  | 0 | 0 | 2563 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 14095222 | 150333 | SH |  | SOLE |  | 0 | 0 | 150333 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 212370 | 2645 | SH |  | SOLE |  | 0 | 0 | 2645 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 96164581 | 515628 | SH |  | SOLE |  | 0 | 0 | 515628 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 394691 | 2025 | SH |  | SOLE |  | 0 | 0 | 2025 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 15293966 | 86042 | SH |  | SOLE |  | 0 | 0 | 86042 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 7451543 | 40454 | SH |  | SOLE |  | 0 | 0 | 40454 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 252745 | 1761 | SH |  | SOLE |  | 0 | 0 | 1761 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 224272 | 1565 | SH |  | SOLE |  | 0 | 0 | 1565 |
| QUANTA SVCS INC | COM | 74762E102 | BBG001S5VH85 | 572917 | 1357 | SH |  | SOLE |  | 0 | 0 | 1357 |
| REDDIT INC | CL A | 75734B100 | BBG015RGX648 | 412617 | 1795 | SH |  | SOLE |  | 0 | 0 | 1795 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 | BBG008NMBXP6 | 1494684 | 13216 | SH |  | SOLE |  | 0 | 0 | 13216 |
| SEAGATE TECHNOLOGY HLDNGS PL | ORD SHS | G7997R103 | BBG0113JGQG9 | 279345 | 1014 | SH |  | SOLE |  | 0 | 0 | 1014 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 | BBG001S7TCZ5 | 206594 | 1435 | SH |  | SOLE |  | 0 | 0 | 1435 |
| SERVICENOW INC | COM | 81762P102 | BBG001T4JFC0 | 255061 | 1665 | SH |  | SOLE |  | 0 | 0 | 1665 |
| SNOWFLAKE INC | COM SHS | 833445109 | BBG007DHGNK2 | 807903 | 3683 | SH |  | SOLE |  | 0 | 0 | 3683 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 269934 | 3096 | SH |  | SOLE |  | 0 | 0 | 3096 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 412559 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 | BBG001SD7RB9 | 4187922 | 39249 | SH |  | SOLE |  | 0 | 0 | 39249 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 714214 | 2032 | SH |  | SOLE |  | 0 | 0 | 2032 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 8124179 | 26734 | SH |  | SOLE |  | 0 | 0 | 26734 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 793981 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| T-MOBILE US INC | COM | 872590104 | BBG001SKR9Y6 | 318510 | 1569 | SH |  | SOLE |  | 0 | 0 | 1569 |
| TOAST INC | CL A | 888787108 | BBG00BTJVKB1 | 288377 | 8121 | SH |  | SOLE |  | 0 | 0 | 8121 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 | BBG001S5SBV6 | 4324762 | 11112 | SH |  | SOLE |  | 0 | 0 | 11112 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 2304059 | 28198 | SH |  | SOLE |  | 0 | 0 | 28198 |
| UNITED RENTALS INC | COM | 911363109 | BBG001SBGZ25 | 4634516 | 5726 | SH |  | SOLE |  | 0 | 0 | 5726 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 | BBG001ST39S0 | 288647 | 4152 | SH |  | SOLE |  | 0 | 0 | 4152 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 1102931 | 1759 | SH |  | SOLE |  | 0 | 0 | 1759 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 71878532 | 376347 | SH |  | SOLE |  | 0 | 0 | 376347 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 135326593 | 1615840 | SH |  | SOLE |  | 0 | 0 | 1615840 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 2577226 | 41255 | SH |  | SOLE |  | 0 | 0 | 41255 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 285128 | 7000 | SH |  | SOLE |  | 0 | 0 | 7000 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 416850 | 3742 | SH |  | SOLE |  | 0 | 0 | 3742 |

---