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 Laboratories COM 002824100   9,991 91 SH   DFND 1,2 0 91 0
Adobe Inc COM 00724F101   18,173 54 SH   DFND 1,2 0 54 0
Algonquin Power & Utilities Corp COM 015857105   12,966 1,990 SH   DFND 1,2 0 1,990 0
Amazon.com Inc COM 023135106   30,240 360 SH   DFND 1,2 0 360 0
Aon PLC SHS CL A 015857105   42,620 142 SH   DFND 1,2 0 142 0
Apple Inc COM 037833100   76,399 588 SH   DFND 1,2 0 588 0
AT&T Inc COM 00206R102   129,678 102 SH   DFND 1,2 0 102 0
B2Gold Corp COM 11777Q209   37,948 10,680 SH   DFND 1,2 0 10,680 0
Bank of America Corp COM 060505104   72,765 2,197 SH   DFND 1,2 0 2,197 0
BANK OF MONTREAL COM 063671101   6,977 1,750 SH   DFND 1,2 0 1,750 0
Bank of Nova Scotia/The COM 064149107   157,748 3,219 SH   DFND 1,2 0 3,219 0
Barrick Gold Corp COM 067901108   29,490 1,720 SH   DFND 1,2 0 1,720 0
BCE Inc COM NEW 05534B760   226,977 5,165 SH   DFND 1,2 0 5,165 0
BROOKFIELD AST MGMT-A LVS CL A LMT VTG SHS 113004105   22,711 5,044 SH   DFND 1,2 0 5,044 0
BROOKFIELD CORP CL-A LVS CL A LTD VT SH 11271J107   99,426 30 SH   DFND 1,2 0 30 0
Brookfield Infrastructure Corp COM SB VTG SHS A 11275Q107   136,020 72 SH   DFND 1,2 0 72 0
Brookfield Infrastructure Partners LP LP INT UNIT G16252101   55,115 1,779 SH   DFND 1,2 0 1,779 0
BROOKFIELD REIN-A EXC LVS CL A EXCH LT VTG G16250105   594 19 SH   DFND 1,2 0 19 0
BRP Inc COM SUN VTG 05577W200   64,436 845 SH   DFND 1,2 0 845 0
Canadian Natural Resources Ltd COM 136385101   70,095 181 SH   DFND 1,2 0 181 0
Canadian Pacific Railway Ltd COM 13645T100   114,766 1,539 SH   DFND 1,2 0 1,539 0
Capital One Financial Corp COM 14040H105   8,645 93 SH   DFND 1,2 0 93 0
Enbridge Inc COM 29250N105   197,180 90 SH   DFND 1,2 0 90 0
Entergy Corp COM 29364G103   8,100 72 SH   DFND 1,2 0 72 0
Essex Property Trust Inc COM 297178105   6,358 350 SH   DFND 1,2 0 350 0
ETFMG PRIME JR SIL MN ETF PRIME JUNIR SLVR 26924G102   2,479 19 SH   DFND 1,2 0 19 0
Exxon Mobil Corp COM 30231G102   69,599 631 SH   DFND 1,2 0 631 0
Fidelity National Information Services Inc COM 31620M106   12,281 80 SH   DFND 1,2 0 80 0
First Republic Bank/CA COM 33616C100   9,020 74 SH   DFND 1,2 0 74 0
FirstService Corp COM 33767E202   50,953 114 SH   DFND 1,2 0 114 0
Fiverr International Ltd ORD SHS M4R82T106   116,560 4,000 SH   DFND 1,2 0 4,000 0
Ford Motor Co COM 345370860   5,443 468 SH   DFND 1,2 0 468 0
Fortis Inc/Canada COM 349553107   13,288 250 SH   DFND 1,2 0 250 0
General Electric Co COM 369604301   6,787 81 SH   DFND 1,2 0 81 0
General Motors Co COM 37045V100   4,508 755 SH   DFND 1,2 0 755 0
Gilead Sciences Inc COM 375558103   9,529 111 SH   DFND 1,2 0 111 0
GLB X SILVER MINE ETF-NEW GLOBAL X SILVER 37954Y848   2,535 845 SH   DFND 1,2 0 845 0
Hasbro Inc COM 418056107   21,353 350 SH   DFND 1,2 0 350 0
Hewlett Packard Enterprise Co COM 42824C109   15,960 1,000 SH   DFND 1,2 0 1,000 0
Hilton Worldwide Holdings Inc COM 43300A203   14,405 36 SH   DFND 1,2 0 36 0
Home Depot Inc/The COM 437076102   25,269 80 SH   DFND 1,2 0 80 0
HUDBAY MINERALS INC COM 443628102   30,155 82 SH   DFND 1,2 0 82 0
Intel Corp COM 458140100   19,955 755 SH   DFND 1,2 0 755 0
Intuit Inc COM 461202103   14,012 36 SH   DFND 1,2 0 36 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   3,806,368 93 SH   DFND 1,2 0 93 0
iShares Expanded Tech Sector ETF EXPND TEC SC ETF 464287549   27,281 977 SH   DFND 1,2 0 977 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   437,871 11,919 SH   DFND 1,2 0 11,919 0
iShares International Select Dividend ETF INTL SEL DIV ETF 464288448   7,925,288 291,800 SH   DFND 1,2 0 291,800 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465   539,036 8,212 SH   DFND 1,2 0 8,212 0
iShares MSCI EAFE Growth ETF EAFE VALUE GRWTH ETF 464288885   2,060,496 35,280 SH   DFND 1,2 0 35,280 0
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689   27,091,216 419,678 SH   DFND 1,2 0 419,678 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877   15,479,912 337,454 SH   DFND 1,2 0 337,454 0
iShares MSCI USA Min Vol Factor ETF MSCI USA MIN VOL 46429B697   13,196,824 183,035 SH   DFND 1,2 0 183,035 0
iShares Russell 2000 Growth ETF RUS 2000 GRW 464287648   1,382,367 8,164 SH   DFND 1,2 0 8,164 0
iShares Russell 2000 Value ETF RUS 2000 VAL 464287630   7,125,697 51,386 SH   DFND 1,2 0 51,386 0
iShares S&P 100 ETF S&P 100 ETF 464287101   19,616 115 SH   DFND 1,2 0 115 0
Johnson & Johnson COM 478160104   8,656 49 SH   DFND 1,2 0 49 0
JPMorgan Chase & Co COM 46625H100   29,770 69,778 SH   DFND 1,2 0 69,778 0
Magna International Inc COM 559222401   23,766 8,212 SH   DFND 1,2 0 8,212 0
Manulife Financial Corp COM 56501R106   54,785 3,071 SH   DFND 1,2 0 3,071 0
Mastercard Inc CL A 57636Q104   31,991 6,476 SH   DFND 1,2 0 6,476 0
McDonald's Corp COM 580135101   13,967 53 SH   DFND 1,2 0 53 0
Medtronic PLC SHS G5960L103   9,870 127 SH   DFND 1,2 0 127 0
Merck & Co Inc COM 58933Y105   14,867 134 SH   DFND 1,2 0 134 0
Meta Platforms Inc CL A 30303M102   17,329 1,000 SH   DFND 1,2 0 1,000 0
Micron Technology Inc COM 595112103   8,547 171 SH   DFND 1,2 0 171 0
Microsoft Corp COM 594918104   75,543 315 SH   DFND 1,2 0 315 0
NextEra Energy Inc COM 65339F101   8,527 102 SH   DFND 1,2 0 102 0
Northrop Grumman Corp COM 666807102   22,370 41 SH   DFND 1,2 0 41 0
Nutrien Ltd COM 67077M108   85,945 1,177 SH   DFND 1,2 0 1,177 0
NUVEI CORP SVS SUB VTG SHS 67079A102   1,423 68 SH   DFND 1,2 0 68 0
NVIDIA Corp COM 67066G104   9,353 64 SH   DFND 1,2 0 64 0
Open Text Corp COM 683715106   29,844 49 SH   DFND 1,2 0 49 0
O'Reilly Automotive Inc COM 67103H107   29,541 222 SH   DFND 1,2 0 222 0
Parker-Hannifin Corp COM 701094104   19,206 66 SH   DFND 1,2 0 66 0
PayPal Holdings Inc COM 70450Y103   7,193 101 SH   DFND 1,2 0 101 0
Pfizer Inc COM 717081103   75,425 95 SH   DFND 1,2 0 95 0
PPG Industries Inc COM 693506107   11,945 95 SH   DFND 1,2 0 95 0
Procter & Gamble Co/The COM 742718109   18,490 423 SH   DFND 1,2 0 423 0
ProShares S&P 500 Dividend Aristocrats ETF S&P 500 DV ARIST 74348A467   6,646,751 73,861 SH   DFND 1,2 0 73,861 0
QUALCOMM Inc COM 747525103   10,774 3,071 SH   DFND 1,2 0 3,071 0
Renaissance IPO ETF IPO ETF 759937204   22 10 SH   DFND 1,2 0 10 0
RESTAURANT BRANDS INTL COM 76131D103   12,549 194 SH   DFND 1,2 0 194 0
Ritchie Bros Auctioneers Inc COM 767744105   115,547 46 SH   DFND 1,2 0 46 0
Rogers Communications Inc CL B 775109200   60,855 145 SH   DFND 1,2 0 145 0
Royal Bank of Canada COM 780087102   334,958 53 SH   DFND 1,2 0 53 0
S&P Global Inc COM 78409V104   38,183 114 SH   DFND 1,2 0 114 0
ServisFirst Bancshares Inc COM 81768T108   1,654 24 SH   DFND 1,2 0 24 0
Shaw Communications Inc CL B CONV 82028K200   50,429 127 SH   DFND 1,2 0 127 0
Sherwin-Williams Co/The COM 824348106   16,376 134 SH   DFND 1,2 0 134 0
SHOPIFY INC CL-A SVS CL A 82509L107   2,431 3,221 SH   DFND 1,2 0 3,221 0
Simon Property Group Inc COM 828806109   12,335 144 SH   DFND 1,2 0 144 0
Stanley Black & Decker Inc COM 854502101   5,108 171 SH   DFND 1,2 0 171 0
Sun Life Financial Inc COM 866796105   149,542 315 SH   DFND 1,2 0 315 0
Suncor Energy Inc COM 867224107   161,586 5,093 SH   DFND 1,2 0 5,093 0
TC Energy Corp COM 87807B107   37,483 940 SH   DFND 1,2 0 940 0
Tesla Inc COM 88160R101   4,804 39 SH   DFND 1,2 0 39 0
Texas Instruments Inc COM 882508104   17,018 103 SH   DFND 1,2 0 103 0
Thermo Fisher Scientific Inc COM 883556102   20,376 41 SH   DFND 1,2 0 41 0
Thomson Reuters Corp COM NEW 884903709   278,517 5,093 SH   DFND 1,2 0 5,093 0
TILRAY BRANDS INC CLASS 2 COM CL 2 88688T100   3,056 2,500 SH   DFND 1,2 0 2,500 0
TJX Cos Inc/The COM 872540109   28,815 362 SH   DFND 1,2 0 362 0
TMC THE METALS COMPANY COM 87261Y106   2,918 3,790 SH   DFND 1,2 0 3,790 0
Toronto-Dominion Bank/The COM NPV 891160509   501,645 56 SH   DFND 1,2 0 56 0
Tricon Residential Inc COM 89612W102   28,488 64 SH   DFND 1,2 0 64 0
Ulta Beauty Inc COM 90384S303   21,577 46 SH   DFND 1,2 0 46 0
Union Pacific Corp COM 907818108   30,025 1,007 SH   DFND 1,2 0 1,007 0
UnitedHealth Group Inc COM 91324P102   49,837 35 SH   DFND 1,2 0 35 0
US Bancorp COM NEW 902973304   109,025 2,500 SH   DFND 1,2 0 2,500 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106   2,723 1,262 SH   DFND 1,2 0 1,262 0
VANECK JUNIOR GLD MNR ETF JUNIOR GOLD MINE 92189F791   1,604 1,539 SH   DFND 1,2 0 1,539 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   6,836,439 45,381 SH   DFND 1,2 0 45,381 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874   1,391,544 25,375 SH   DFND 1,2 0 25,375 0
Vanguard FTSE Pacific ETF FTSE PACIFIC ETF 922042866   6,254,820 97,200 SH   DFND 1,2 0 97,200 0
Vanguard Information Technology ETF INF TECH ETF 92204A702   1,503,143 9,871 SH   DFND 1,2 0 9,871 0
Vanguard International High Dividend Yield ETF INTL HIGH ETF 921946794   11,473,182 194,590 SH   DFND 1,2 0 194,590 0
Vanguard Long-Term Treasury ETF LONG TERM TREAS 92206C847   209,508 3,400 SH   DFND 1,2 0 3,400 0
Vanguard Mortgage-Backed Securities ETF MTG-BKD SECS ETF 92206C771   710,112 15,677 SH   DFND 1,2 0 15,677 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   87,835 250 SH   DFND 1,2 0 250 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505   4,640,680 24,197 SH   DFND 1,2 0 24,197 0
Vanguard S&P 500 Value ETF 500 VAL IDX FD 921932703   6,446,962 46,030 SH   DFND 1,2 0 46,030 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409   1,992,535 27,088 SH   DFND 1,2 0 27,088 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835   1,989,968 29,690 SH   DFND 1,2 0 29,690 0
Viatris Inc COM 92556V106   1,647 122 SH   DFND 1,2 0 122 0
Visa Inc COM CL A 92826C839   18,075 66 SH   DFND 1,2 0 66 0
Walmart Inc ORD 931142103   42,253 298 SH   DFND 1,2 0 298 0
Walt Disney Co/The COM 254687106   7,559 332 SH   DFND 1,2 0 332 0
Warner Bros Discovery Inc COM SER A 934423104   626 66 SH   DFND 1,2 0 66 0
Waste Connections Inc COM 94106B101   95,724 101 SH   DFND 1,2 0 101 0
Westinghouse Air Brake Technologies Corp COM 929740108   798 8 SH   DFND 1,2 0 8 0
WTS-CENOVUS ENERGY 1JAN26 *W EXP 01/01/202 15135U117   859 95 SH   DFND 1,2 0 95 0
Yum! Brands Inc COM 988498101   10,503 1,472 SH   DFND 1,2 0 1,472 0
Zoetis Inc CL A 98978V103   6,741 46 SH   DFND 1,2 0 46 0