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
AON PLC SHS CL A G0403H108   47,388 142 SH   DFND 1,2 0 142 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   34,661 100 SH   DFND 1,2 0 100 0
BROOKFIELD REINS LTD CL A EXCH LT VTG G16250105   1,083 19 SH   DFND 1,2 0 19 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   77,959 1,843 SH   DFND 1,2 0 1,843 0
INTERNATIONAL GAME TECHNOLOG SHS USD G4863A108   20,331 900 SH   DFND 1,2 0 900 0
MEDTRONIC PLC SHS G5960L103   11,068 127 SH   DFND 1,2 0 127 0
ROYALTY PHARMA PLC SHS CLASS A G7709Q104   56,002 1,844 SH   DFND 1,2 0 1,844 0
FIVERR INTL LTD ORD SHS M4R82T106   84,280 4,000 SH   DFND 1,2 0 4,000 0
AT&T INC COM 00206R102   4,840 275 SH   DFND 1,2 0 275 0
ABBOTT LABS COM 002824100   10,343 91 SH   DFND 1,2 0 91 0
ABRDN GLOBAL DYNAMIC DIVIDEN COM 00302M106   9,137 941 SH   DFND 1,2 0 941 0
ADOBE INC COM 00724F101   27,248 54 SH   DFND 1,2 0 54 0
ADVANCED MICRO DEVICES INC COM 007903107   72,196 400 SH   DFND 1,2 0 400 0
ALGONQUIN PWR UTILS CORP COM 015857105   17,034 1,990 SH   DFND 1,2 0 1,990 0
ALPHABET INC CAP STK CL A 02079K305   194,700 1,290 SH   DFND 1,2 0 1,290 0
AMAZON COM INC COM 023135106   137,089 760 SH   DFND 1,2 0 760 0
AMPLIFY ETF TR AMPLIFY JUNIOR S 032108649   2,334 235 SH   DFND 1,2 0 235 0
APPLE INC COM 037833100   100,830 588 SH   DFND 1,2 0 588 0
BCE INC COM NEW 05534B760   255,835 5,558 SH   DFND 1,2 0 5,558 0
BRP INC COM SUN VTG 05577W200   76,853 845 SH   DFND 1,2 0 845 0
BANK AMERICA CORP COM 060505104   83,310 2,197 SH   DFND 1,2 0 2,197 0
BANK NOVA SCOTIA HALIFAX COM 064149107   252,532 3,604 SH   DFND 1,2 0 3,604 0
BARRICK GOLD CORP COM 067901108   38,752 1,720 SH   DFND 1,2 0 1,720 0
BAYTEX ENERGY CORP COM 07317Q105   6,880 1,407 SH   DFND 1,2 0 1,407 0
BECTON DICKINSON & CO COM 075887109   220,725 892 SH   DFND 1,2 0 892 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   323,800 770 SH   DFND 1,2 0 770 0
BLACKROCK ENHANCED GLOBAL DI COM 092501105   25,585 2,446 SH   DFND 1,2 0 2,446 0
BROADCOM INC COM 11135F101   37,111 28 SH   DFND 1,2 0 28 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   158,251 2,792 SH   DFND 1,2 0 2,792 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   170,605 3,496 SH   DFND 1,2 0 3,496 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   39,944 702 SH   DFND 1,2 0 702 0
B2GOLD CORP COM 11777Q209   37,914 10,680 SH   DFND 1,2 0 10,680 0
CME GROUP INC COM 12572Q105   23,467 109 SH   DFND 1,2 0 109 0
CANADIAN NATL RY CO COM 136375102   26,756 150 SH   DFND 1,2 0 150 0
CANADIAN NAT RES LTD COM 136385101   109,530 1,060 SH   DFND 1,2 0 1,060 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   160,036 1,340 SH   DFND 1,2 0 1,340 0
CAPITAL ONE FINL CORP COM 14040H105   13,847 93 SH   DFND 1,2 0 93 0
CATERPILLAR INC COM 149123101   22,352 61 SH   DFND 1,2 0 61 0
CENOVUS ENERGY INC COM 15135U109   76,366 2,820 SH   DFND 1,2 0 2,820 0
CENOVUS ENERGY INC *W EXP 01/01/202 15135U117   1,210 59 SH   DFND 1,2 0 59 0
CHARTER COMMUNICATIONS INC N CL A 16119P108   4,359 15 SH   DFND 1,2 0 15 0
CITIGROUP INC COM NEW 172967424   69,564 1,100 SH   DFND 1,2 0 1,100 0
COCA COLA CO COM 191216100   9,422 154 SH   DFND 1,2 0 154 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107   91,891 555 SH   DFND 1,2 0 555 0
COMCAST CORP NEW CL A 20030N101   8,627 199 SH   DFND 1,2 0 199 0
COSTCO WHSL CORP NEW COM 22160K105   17,583 24 SH   DFND 1,2 0 24 0
DANAHER CORPORATION COM 235851102   47,447 190 SH   DFND 1,2 0 190 0
DIAMONDBACK ENERGY INC COM 25278X109   24,177 122 SH   DFND 1,2 0 122 0
DISNEY WALT CO COM 254687106   10,645 87 SH   DFND 1,2 0 87 0
DOW INC COM 260557103   8,342 144 SH   DFND 1,2 0 144 0
EMBECTA CORP COMMON STOCK 29082K105   106 8 SH   DFND 1,2 0 8 0
ENBRIDGE INC COM 29250N105   290,469 5,934 SH   DFND 1,2 0 5,934 0
ENTERGY CORP NEW COM 29364G103   7,609 72 SH   DFND 1,2 0 72 0
ESSEX PPTY TR INC COM 297178105   7,344 30 SH   DFND 1,2 0 30 0
EXXON MOBIL CORP COM 30231G102   73,347 631 SH   DFND 1,2 0 631 0
META PLATFORMS INC CL A 30303M102   69,924 144 SH   DFND 1,2 0 144 0
FIDELITY NATL INFORMATION SV COM 31620M106   13,427 181 SH   DFND 1,2 0 181 0
FIRSTSERVICE CORP NEW COM 33767E202   93,288 416 SH   DFND 1,2 0 416 0
FIVE BELOW INC COM 33829M101   77,812 429 SH   DFND 1,2 0 429 0
FORD MTR CO DEL COM 345370860   6,215 468 SH   DFND 1,2 0 468 0
FORTIS INC COM 349553107   40,408 755 SH   DFND 1,2 0 755 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   2,455 27 SH   DFND 1,2 0 27 0
GENERAL ELECTRIC CO COM NEW 369604301   14,218 81 SH   DFND 1,2 0 81 0
GENERAL MTRS CO COM 37045V100   6,077 134 SH   DFND 1,2 0 134 0
GILEAD SCIENCES INC COM 375558103   8,131 111 SH   DFND 1,2 0 111 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848   2,472 90 SH   DFND 1,2 0 90 0
HASBRO INC COM 418056107   19,782 350 SH   DFND 1,2 0 350 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   17,730 1,000 SH   DFND 1,2 0 1,000 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   24,317 114 SH   DFND 1,2 0 114 0
HOME DEPOT INC COM 437076102   73,651 192 SH   DFND 1,2 0 192 0
INTEL CORP COM 458140100   33,348 755 SH   DFND 1,2 0 755 0
INTUIT COM 461202103   23,400 36 SH   DFND 1,2 0 36 0
ISHARES TR CORE S&P500 ETF 464287200   5,239,752 9,967 SH   DFND 1,2 0 9,967 0
ISHARES TR MSCI EAFE ETF 464287465   444,813 5,572 SH   DFND 1,2 0 5,572 0
ISHARES TR RUS 2000 VAL ETF 464287630   728,578 4,586 SH   DFND 1,2 0 4,586 0
ISHARES TR RUS 2000 GRW ETF 464287648   716,101 2,644 SH   DFND 1,2 0 2,644 0
ISHARES TR MSCI ACWI ETF 464288257   246,691 2,240 SH   DFND 1,2 0 2,240 0
ISHARES TR INTL SEL DIV ETF 464288448   905,174 32,270 SH   DFND 1,2 0 32,270 0
ISHARES TR EAFE VALUE ETF 464288877   7,421,516 136,450 SH   DFND 1,2 0 136,450 0
ISHARES TR EAFE GRWTH ETF 464288885   5,631,421 54,250 SH   DFND 1,2 0 54,250 0
ISHARES TR MSCI EAFE MIN VL 46429B689   454,057 6,406 SH   DFND 1,2 0 6,406 0
ISHARES TR MSCI USA MIN VOL 46429B697   5,042,465 60,331 SH   DFND 1,2 0 60,331 0
JPMORGAN CHASE & CO COM 46625H100   44,467 222 SH   DFND 1,2 0 222 0
JOHNSON & JOHNSON COM 478160104   48,723 308 SH   DFND 1,2 0 308 0
LOCKHEED MARTIN CORP COM 539830109   13,646 30 SH   DFND 1,2 0 30 0
MP MATERIALS CORP COM CL A 553368101   7,150 500 SH   DFND 1,2 0 500 0
MAGNA INTL INC COM 559222401   31,213 423 SH   DFND 1,2 0 423 0
MANULIFE FINL CORP COM 56501R106   136,030 4,021 SH   DFND 1,2 0 4,021 0
MARVELL TECHNOLOGY INC COM 573874104   21,264 300 SH   DFND 1,2 0 300 0
MASTERCARD INCORPORATED CL A 57636Q104   31,302 65 SH   DFND 1,2 0 65 0
MCDONALDS CORP COM 580135101   32,706 116 SH   DFND 1,2 0 116 0
MERCK & CO INC COM 58933Y105   17,681 134 SH   DFND 1,2 0 134 0
MICROSOFT CORP COM 594918104   221,719 527 SH   DFND 1,2 0 527 0
MICRON TECHNOLOGY INC COM 595112103   40,436 343 SH   DFND 1,2 0 343 0
NEXTERA ENERGY INC COM 65339F101   6,519 102 SH   DFND 1,2 0 102 0
NORTHROP GRUMMAN CORP COM 666807102   19,625 41 SH   DFND 1,2 0 41 0
NOVO-NORDISK A S ADR 670100205   18,490 144 SH   DFND 1,2 0 144 0
NVIDIA CORPORATION COM 67066G104   57,828 64 SH   DFND 1,2 0 64 0
NUTRIEN LTD COM 67077M108   1,908,189 25,930 SH   DFND 1,2 0 25,930 0
OREILLY AUTOMOTIVE INC COM 67103H107   39,511 35 SH   DFND 1,2 0 35 0
OPEN TEXT CORP COM 683715106   52,928 1,007 SH   DFND 1,2 0 1,007 0
PPG INDS INC COM 693506107   13,766 95 SH   DFND 1,2 0 95 0
PARKER-HANNIFIN CORP COM 701094104   36,682 66 SH   DFND 1,2 0 66 0
PAYPAL HLDGS INC COM 70450Y103   6,766 101 SH   DFND 1,2 0 101 0
PEMBINA PIPELINE CORP COM 706327103   7,506 157 SH   DFND 1,2 0 157 0
PFIZER INC COM 717081103   40,848 1,472 SH   DFND 1,2 0 1,472 0
PROCTER AND GAMBLE CO COM 742718109   19,795 122 SH   DFND 1,2 0 122 0
PROSHARES TR S&P 500 DV ARIST 74348A467   8,555,049 84,361 SH   DFND 1,2 0 84,361 0
QUALCOMM INC COM 747525103   16,591 98 SH   DFND 1,2 0 98 0
ROGERS COMMUNICATIONS INC CL B 775109200   72,150 1,300 SH   DFND 1,2 0 1,300 0
ROPER TECHNOLOGIES INC COM 776696106   38,698 69 SH   DFND 1,2 0 69 0
ROYAL BK CDA COM 780087102   459,453 3,363 SH   DFND 1,2 0 3,363 0
S&P GLOBAL INC COM 78409V104   48,501 114 SH   DFND 1,2 0 114 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   167,402 320 SH   DFND 1,2 0 320 0
SALESFORCE INC COM 79466L302   6,024 20 SH   DFND 1,2 0 20 0
SERVISFIRST BANCSHARES INC COM 81768T108   1,593 24 SH   DFND 1,2 0 24 0
SHERWIN WILLIAMS CO COM 824348106   23,966 69 SH   DFND 1,2 0 69 0
SIGMA LITHIUM CORPORATION COM 826599102   11,664 900 SH   DFND 1,2 0 900 0
SIMON PPTY GROUP INC NEW COM 828806109   16,431 105 SH   DFND 1,2 0 105 0
STANLEY BLACK & DECKER INC COM 854502101   6,659 68 SH   DFND 1,2 0 68 0
SUN LIFE FINANCIAL INC. COM 866796105   238,064 3,221 SH   DFND 1,2 0 3,221 0
SUNCOR ENERGY INC NEW COM 867224107   262,048 5,242 SH   DFND 1,2 0 5,242 0
TJX COS INC NEW COM 872540109   36,714 362 SH   DFND 1,2 0 362 0
TMC THE METALS COMPANY INC COM 87261Y106   5,420 3,790 SH   DFND 1,2 0 3,790 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   78,365 576 SH   DFND 1,2 0 576 0
TC ENERGY CORP COM 87807B107   51,174 940 SH   DFND 1,2 0 940 0
TELUS CORPORATION COM 87971M103   200,252 9,241 SH   DFND 1,2 0 9,241 0
TESLA INC COM 88160R101   6,856 39 SH   DFND 1,2 0 39 0
TETRA TECH INC NEW COM 88162G103   5,726 31 SH   DFND 1,2 0 31 0
TEXAS INSTRS INC COM 882508104   17,944 103 SH   DFND 1,2 0 103 0
THERMO FISHER SCIENTIFIC INC COM 883556102   58,121 100 SH   DFND 1,2 0 100 0
THOMSON REUTERS CORP. COM 884903808   479,359 2,274 SH   DFND 1,2 0 2,274 0
TILRAY BRANDS INC COM 88688T100   3,783 1,136 SH   DFND 1,2 0 1,136 0
TORONTO DOMINION BK ONT COM NEW 891160509   635,933 7,779 SH   DFND 1,2 0 7,779 0
TRICON RESIDENTIAL INC COM NPV 89612W102   55,779 3,694 SH   DFND 1,2 0 3,694 0
US BANCORP DEL COM NEW 902973304   111,750 2,500 SH   DFND 1,2 0 2,500 0
ULTA BEAUTY INC COM 90384S303   24,052 46 SH   DFND 1,2 0 46 0
UNION PAC CORP COM 907818108   35,660 145 SH   DFND 1,2 0 145 0
UNITEDHEALTH GROUP INC COM 91324P102   103,887 210 SH   DFND 1,2 0 210 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   2,688 85 SH   DFND 1,2 0 85 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   1,743 45 SH   DFND 1,2 0 45 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,692,137 42,121 SH   DFND 1,2 0 42,121 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   17,846,630 58,600 SH   DFND 1,2 0 58,600 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   7,891,953 43,730 SH   DFND 1,2 0 43,730 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,237,004 30,800 SH   DFND 1,2 0 30,800 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,937,408 28,160 SH   DFND 1,2 0 28,160 0
VANGUARD WORLD FD INF TECH ETF 92204A702   9,051,117 17,256 SH   DFND 1,2 0 17,256 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,165,270 171,500 SH   DFND 1,2 0 171,500 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   5,581,336 73,400 SH   DFND 1,2 0 73,400 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,676,766 24,900 SH   DFND 1,2 0 24,900 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,002,329 25,900 SH   DFND 1,2 0 25,900 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   775,370 17,000 SH   DFND 1,2 0 17,000 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,498,772 25,300 SH   DFND 1,2 0 25,300 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   120,175 250 SH   DFND 1,2 0 250 0
VERALTO CORP COM SHS 92338C103   1,241 14 SH   DFND 1,2 0 14 0
VIATRIS INC COM 92556V106   1,767 148 SH   DFND 1,2 0 148 0
VISA INC COM CL A 92826C839   85,678 307 SH   DFND 1,2 0 307 0
WABTEC COM 929740108   1,165 8 SH   DFND 1,2 0 8 0
WALMART INC COM 931142103   53,792 894 SH   DFND 1,2 0 894 0
WARNER BROS DISCOVERY INC COM SER A 934423104   576 66 SH   DFND 1,2 0 66 0
WASTE CONNECTIONS INC COM 94106B101   139,489 599 SH   DFND 1,2 0 599 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,907,904 45,600 SH   DFND 1,2 0 45,600 0
YUM BRANDS INC COM 988498101   11,369 82 SH   DFND 1,2 0 82 0
ZOETIS INC CL A 98978V103   7,784 46 SH   DFND 1,2 0 46 0
ZSCALER INC COM 98980G102   3,660 19 SH   DFND 1,2 0 19 0