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
3M CO COM 88579Y101 1,644,364 12,029 SH SOLE 0 0 12,029
ADAMS DIVERSIFIED EQUITY COM 006212104 3,699,980 171,613 SH SOLE 0 0 171,613
ADAMS NATURAL RESOURCES FUND COM 00548F105 2,531,834 109,037 SH SOLE 0 0 109,037
ADOBE INC COM 00724F101 258,890 500 SH DFND 500 0 0
ADVENT CONVERT & INCOME COM 00764C109 1,662,503 141,610 SH SOLE 0 0 141,610
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,509,840 5,071 SH SOLE 0 0 5,071
ALLSTATE CORP COM 020002101 4,130,728 21,781 SH SOLE 0 0 21,781
ALPHABET INC-CL A COM 02079K305 1,729,857 10,430 SH SOLE 0 0 10,430
ALPHABET INC-CL C COM 02079K107 2,786,806 16,669 SH SOLE 0 0 16,669
AMAZON.COM INC COM 023135106 1,469,585 7,887 SH SOLE 0 0 7,887
AMAZON.COM INC COM 023135106 279,495 1,500 SH DFND 1,500 0 0
AMERICAN BUSINESS BANK COM 02475L105 615,349 16,219 SH SOLE 0 0 16,219
AMGEN INC COM 031162100 5,861,418 18,191 SH SOLE 0 0 18,191
ANDRADA MINING LTD COM G012B4107 592 13,329 SH SOLE 0 0 13,329
APPLE INC COM 037833100 3,400,472 14,594 SH SOLE 0 0 14,594
APPLE INC COM 037833100 1,048,500 4,500 SH DFND 4,500 0 0
ARKEMA-SPONSORED ADR ADR 041232109 297,660 3,130 SH DFND 3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208 2,883,268 77,549 SH SOLE 0 0 77,549
ASTRAZENECA PLC-SPONS ADR ADR 046353108 584,325 7,500 SH DFND 7,500 0 0
AT&T INC COM 00206R102 1,098,466 49,930 SH SOLE 0 0 49,930
AUTOMATIC DATA PROCESSING COM 053015103 412,604 1,491 SH SOLE 0 0 1,491
AUTOZONE INC COM 053332102 450,456 143 SH SOLE 0 0 143
BANK OF AMERICA CORP COM 060505104 648,581 16,345 SH SOLE 0 0 16,345
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104 128,656 27,432 SH DFND 27,432 0 0
BROADCOM INC COM 11135F101 1,849,028 10,719 SH SOLE 0 0 10,719
CATERPILLAR INC COM 149123101 227,632 582 SH SOLE 0 0 582
CATERPILLAR INC COM 149123101 469,344 1,200 SH DFND 1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889 183,000 30,000 SH DFND 30,000 0 0
CHEVRON CORP COM 166764100 515,445 3,500 SH DFND 3,500 0 0
CISCO SYSTEMS INC COM 17275R102 897,662 16,867 SH SOLE 0 0 16,867
COCA-COLA CO/THE COM 191216100 273,432 3,805 SH SOLE 0 0 3,805
COGNITION THERAPEUTICS INC COM 19243B102 24,119 51,471 SH SOLE 0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407 4,033,707 20,131 SH SOLE 0 0 20,131
CONSUMER STAPLES SPDR COM 81369Y308 5,214,857 62,830 SH SOLE 0 0 62,830
COPA HOLDINGS SA-CLASS A COM P31076105 281,520 3,000 SH DFND 3,000 0 0
COTERRA ENERGY INC COM 127097103 637,549 26,620 SH SOLE 0 0 26,620
CRH PLC COM G25508105 231,850 2,500 SH DFND 2,500 0 0
CSX CORP COM 126408103 4,162,965 120,561 SH SOLE 0 0 120,561
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401 163,680 44,000 SH DFND 44,000 0 0
DIAGEO PLC-SPONSORED ADR ADR 25243Q205 392,952 2,800 SH DFND 2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500 1,405,913 21,676 SH SOLE 0 0 21,676
DNAPRINT GENOMICS COM 23324Q202 118 1,175,300 SH SOLE 0 0 1,175,300
DR HORTON INC COM 23331A109 763,080 4,000 SH DFND 4,000 0 0
DUKE ENERGY CORP COM 26441C204 1,093,390 9,483 SH SOLE 0 0 9,483
ENERGY SELECT SECTOR SPDR COM 81369Y506 1,294,272 14,741 SH SOLE 0 0 14,741
ENTEGRIS INC COM 29362U104 1,701,167 15,117 SH SOLE 0 0 15,117
EVEREST GROUP LTD COM G3223R108 4,071,116 10,390 SH SOLE 0 0 10,390
EXXON MOBIL CORP COM 30231G102 272,921 2,328 SH SOLE 0 0 2,328
FIRST SEISMIC CORP COM 336397104 502 44,451 SH SOLE 0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101 377,000 20,000 SH DFND 20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406 183,800 20,000 SH SOLE 0 0 20,000
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 4,805,687 42,551 SH SOLE 0 0 42,551
GOLDMAN SACHS ACTIVEBETA INT COM 381430107 8,373,395 231,501 SH SOLE 0 0 231,501
GROUP 1 AUTOMOTIVE INC COM 398905109 1,072,512 2,800 SH DFND 2,800 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202 508,968 1,800 SH DFND 1,800 0 0
HA SUSTAINABLE INFRASTRUCTUR COM 41068X100 523,944 15,200 SH DFND 15,200 0 0
HDFC BANK LTD-ADR ADR 40415F101 500,480 8,000 SH DFND 8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107 0 22,222 SH SOLE 0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104 4,222,733 56,605 SH SOLE 0 0 56,605
INTEL CORP COM 458140100 257,356 10,970 SH SOLE 0 0 10,970
INTERCONTINENTAL HOTELS-ADR ADR 45857P806 674,320 6,103 SH DFND 6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101 3,324,159 15,036 SH SOLE 0 0 15,036
INVESCO BULLETSHARES 2024 CB COM 46138J841 236,625 11,204 SH SOLE 0 0 11,204
INVESCO BULLETSHARES 2025 CB COM 46138J825 6,767,365 327,717 SH SOLE 0 0 327,717
INVESCO BULLETSHARES 2025 HY COM 46138J817 1,313,875 56,828 SH SOLE 0 0 56,828
INVESCO BULLETSHARES 2026 CB COM 46138J791 6,423,200 328,384 SH SOLE 0 0 328,384
INVESCO BULLETSHARES 2026 HY COM 46138J635 1,120,175 47,758 SH SOLE 0 0 47,758
INVESCO BULLETSHARES 2027 CB COM 46138J783 5,244,189 265,933 SH SOLE 0 0 265,933
INVESCO BULLETSHARES 2028 HY COM 46138J452 1,281,924 57,849 SH SOLE 0 0 57,849
INVESCO BULLETSHARES 2031 CB COM 46138J429 677,771 40,658 SH SOLE 0 0 40,658
INVESCO BULLETSHARES 2032 CB COM 46139W858 591,281 28,197 SH SOLE 0 0 28,197
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 6,167,604 34,425 SH SOLE 0 0 34,425
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332 4,490,155 139,316 SH SOLE 0 0 139,316
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282 905,931 24,030 SH SOLE 0 0 24,030
INVESCO S&P GLOBAL WATER IND COM 46138E263 3,591,513 58,685 SH SOLE 0 0 58,685
INVESCO VARIABLE RATE PREFER COM 46138G870 3,201,499 130,887 SH SOLE 0 0 130,887
ISHARES 7-10 YEAR TREASURY B COM 464287440 2,924,655 29,807 SH SOLE 0 0 29,807
ISHARES CALIFORNIA MUNI BOND COM 464288356 260,333 4,480 SH SOLE 0 0 4,480
ISHARES CORE GROWTH ALLOCATI COM 464289867 210,717 3,557 SH SOLE 0 0 3,557
ISHARES CORE S&P MIDCAP ETF COM 464287507 5,717,102 91,738 SH SOLE 0 0 91,738
ISHARES CORE S&P SMALL-CAP E COM 464287804 223,394 1,910 SH SOLE 0 0 1,910
ISHARES FLOATING RATE BOND E COM 46429B655 5,909,868 115,789 SH SOLE 0 0 115,789
ISHARES GLOBAL HEALTHCARE ET COM 464287325 5,277,572 53,765 SH SOLE 0 0 53,765
ISHARES GLOBAL TECH ETF COM 464287291 3,809,368 46,157 SH SOLE 0 0 46,157
ISHARES GOLD TRUST COM 464285204 222,557 4,478 SH SOLE 0 0 4,478
ISHARES GSCI COMMODITY DYNAM COM 46431W853 264,230 10,198 SH SOLE 0 0 10,198
ISHARES IBONDS DEC 2028 TERM COM 46436E833 4,327,217 192,276 SH SOLE 0 0 192,276
ISHARES MSCI EAFE ETF COM 464287465 741,230 8,863 SH SOLE 0 0 8,863
ISHARES MSCI EAFE SMALL-CAP COM 464288273 4,599,049 67,933 SH SOLE 0 0 67,933
ISHARES MSCI USA MIN VOL FAC COM 46429B697 365,418 4,002 SH SOLE 0 0 4,002
ISHARES RUSSELL 1000 ETF COM 464287622 5,641,809 17,945 SH SOLE 0 0 17,945
ISHARES RUSSELL 1000 GROWTH COM 464287614 407,287 1,085 SH SOLE 0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655 1,865,119 8,444 SH SOLE 0 0 8,444
ISHARES RUSSELL MID-CAP ETF COM 464287499 3,066,945 34,796 SH SOLE 0 0 34,796
ISHARES SHORT-TERM NATIONAL COM 464288158 206,009 1,940 SH SOLE 0 0 1,940
JAMES HARDIE IND PLC-SP ADR ADR 47030M106 260,975 6,500 SH DFND 6,500 0 0
JAMES HARDIE IND PLC-SP ADR ADR 47030M106 1,003,750 25,000 SH DFND 25,000 0 0
JOHN HANCOCK FINANCIAL OPP COM 409735206 3,116,768 93,992 SH SOLE 0 0 93,992
JOHN HANCOCK MULTI FACT LRG COM 47804J107 2,487,921 35,828 SH SOLE 0 0 35,828
JOHNSON & JOHNSON COM 478160104 3,313,075 20,444 SH SOLE 0 0 20,444
JPMORGAN CHASE & CO COM 46625H100 491,093 2,329 SH SOLE 0 0 2,329
JPMORGAN CHASE & CO COM 46625H100 442,806 2,100 SH DFND 2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837 1,677,889 33,068 SH SOLE 0 0 33,068
KAJIMA CORP-UNSPONSORED ADR ADR 483111209 222,585 11,900 SH DFND 11,900 0 0
LENNAR CORP-A COM 526057104 599,936 3,200 SH DFND 3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107 1,027,293 1,700 SH DFND 1,700 0 0
LOCKHEED MARTIN CORP COM 539830109 2,923,969 5,002 SH SOLE 0 0 5,002
LOWE'S COS INC COM 548661107 4,376,665 16,159 SH SOLE 0 0 16,159
LOWE'S COS INC COM 548661107 704,210 2,600 SH DFND 2,600 0 0
LYNAS RARE EARTHS LTD-SP ADR ADR 551073307 163,304 29,800 SH DFND 29,800 0 0
MASTERCARD INC - A COM 57636Q104 218,753 443 SH SOLE 0 0 443
MERCK & CO. INC. COM 58933Y105 615,609 5,421 SH SOLE 0 0 5,421
META PLATFORMS INC-CLASS A COM 30303M102 558,129 975 SH SOLE 0 0 975
METLIFE INC COM 59156R108 2,503,282 30,350 SH SOLE 0 0 30,350
MICROSOFT CORP COM 594918104 2,102,114 4,885 SH SOLE 0 0 4,885
MICROSOFT CORP COM 594918104 645,450 1,500 SH DFND 1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204 854,000 14,000 SH DFND 14,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108 95,904 18,000 SH DFND 18,000 0 0
NESTLE SA-SPONS ADR ADR 641069406 276,843 2,750 SH DFND 2,750 0 0
NETAPP INC COM 64110D104 864,570 7,000 SH DFND 7,000 0 0
NICE LTD - SPON ADR ADR 653656108 468,909 2,700 SH DFND 2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109 220,500 21,000 SH DFND 21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108 596,400 2,400 SH DFND 2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109 2,739,316 23,816 SH SOLE 0 0 23,816
NOVO-NORDISK A/S-SPONS ADR ADR 670100205 476,280 4,000 SH DFND 4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106 1,802,563 223,366 SH SOLE 0 0 223,366
NVIDIA CORP COM 67066G104 1,542,774 12,704 SH SOLE 0 0 12,704
NVR INC COM 62944T105 490,590 50 SH DFND 50 0 0
NXP SEMICONDUCTORS NV COM N6596X109 2,874,360 11,976 SH SOLE 0 0 11,976
NYLI CBRE GBL INFR MGA TRM F COM 56064Q107 1,503,733 100,854 SH SOLE 0 0 100,854
OLD REPUBLIC INTL CORP COM 680223104 3,241,809 91,525 SH SOLE 0 0 91,525
ORACLE CORP COM 68389X105 1,047,960 6,150 SH SOLE 0 0 6,150
OSISKO GOLD ROYALTIES LTD COM 68827L101 831,321 44,912 SH SOLE 0 0 44,912
PEARSON PLC-SPONSORED ADR ADR 705015105 217,120 16,000 SH DFND 16,000 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 208,808 1,720 SH SOLE 0 0 1,720
PIMCO ENHANCED SHORT MATURIT COM 72201R833 1,276,820 12,681 SH SOLE 0 0 12,681
PLEXUS CORP COM 729132100 2,181,755 15,959 SH SOLE 0 0 15,959
PROCTER & GAMBLE CO/THE COM 742718109 244,732 1,413 SH SOLE 0 0 1,413
PROCTER & GAMBLE CO/THE COM 742718109 536,920 3,100 SH DFND 3,100 0 0
QUALCOMM INC COM 747525103 1,081,164 6,358 SH SOLE 0 0 6,358
REPUBLIC SERVICES INC COM 760759100 200,840 1,000 SH DFND 1,000 0 0
RGC RESOURCES INC COM 74955L103 981,976 43,508 SH SOLE 0 0 43,508
RIO TINTO PLC-SPON ADR ADR 767204100 1,134,806 15,945 SH SOLE 0 0 15,945
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104 479,400 12,000 SH DFND 12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104 2,924,412 304,309 SH SOLE 0 0 304,309
ROYCE SMALL-CAP TRUST INC COM 780910105 218,219 13,899 SH SOLE 0 0 13,899
SCHWAB FNDMNTL US LRG CO ETF COM 808524771 3,543,644 49,382 SH SOLE 0 0 49,382
SCHWAB INTL EQUITY ETF COM 808524805 429,199 10,438 SH SOLE 0 0 10,438
SCHWAB US MID CAP ETF COM 808524508 470,003 5,657 SH SOLE 0 0 5,657
SCHWAB US SMALL-CAP ETF COM 808524607 502,684 9,761 SH SOLE 0 0 9,761
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209 413,484 24,000 SH DFND 24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501 707,350 7,000 SH DFND 7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 355,572 3,600 SH DFND 3,600 0 0
SONOS INC COM 83570H108 1,769,760 144,000 SH SOLE 0 0 144,000
SONY GROUP CORP - SP ADR ADR 835699307 386,280 4,000 SH DFND 4,000 0 0
SOUTHERN CO/THE COM 842587107 1,313,111 14,561 SH SOLE 0 0 14,561
SPDR PORT SHRT TRM CORP BND COM 78464A474 1,406,476 46,449 SH SOLE 0 0 46,449
SPDR S&P 500 ETF TRUST COM 78462F103 1,087,849 1,896 SH SOLE 0 0 1,896
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107 786,131 1,380 SH SOLE 0 0 1,380
SPDR S&P OIL & GAS EXP & PR COM 78468R556 401,993 3,057 SH SOLE 0 0 3,057
STELLAR BANCORP INC COM 858927106 1,068,998 41,290 SH SOLE 0 0 41,290
STRYKER CORP COM 863667101 5,055,292 13,994 SH SOLE 0 0 13,994
SUMMIT MATERIALS INC -CL A COM 86614U100 338,780 8,680 SH DFND 8,680 0 0
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100 347,340 2,000 SH DFND 2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101 414,150 5,500 SH DFND 5,500 0 0
TECNOGLASS INC COM G87264100 1,348,070 19,634 SH DFND 19,634 0 0
TELLURIAN INC COM 87968A104 24,622 25,436 SH SOLE 0 0 25,436
TESLA INC COM 88160R101 315,526 1,206 SH SOLE 0 0 1,206
THERMO FISHER SCIENTIFIC INC COM 883556102 835,070 1,350 SH DFND 1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107 2,045,334 51,223 SH SOLE 0 0 51,223
UNILEVER PLC-SPONSORED ADR ADR 904767704 454,720 7,000 SH DFND 7,000 0 0
VALMONT INDUSTRIES COM 920253101 4,701,708 16,216 SH SOLE 0 0 16,216
VANECK MORNINGSTAR WIDE MOAT COM 92189F643 2,024,801 20,885 SH SOLE 0 0 20,885
VANECK MSTAR INT MOAT ETF COM 92189F593 1,406,836 40,144 SH SOLE 0 0 40,144
VANGUARD ENERGY ETF COM 92204A306 1,852,775 15,128 SH SOLE 0 0 15,128
VANGUARD FTSE DEVELOPED ETF COM 921943858 11,311,539 214,193 SH SOLE 0 0 214,193
VANGUARD FTSE EMERGING MARKE COM 922042858 1,395,779 29,170 SH SOLE 0 0 29,170
VANGUARD HIGH DVD YIELD ETF COM 921946406 1,493,081 11,647 SH SOLE 0 0 11,647
VANGUARD INFO TECH ETF COM 92204A702 13,359,954 22,778 SH SOLE 0 0 22,778
VANGUARD S/T CORP BOND ETF COM 92206C409 5,292,650 66,641 SH SOLE 0 0 66,641
VANGUARD TOTAL STOCK MKT ETF COM 922908769 1,505,891 5,318 SH SOLE 0 0 5,318
VERITEX HOLDINGS INC COM 923451108 310,418 11,794 SH SOLE 0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104 690,716 15,380 SH SOLE 0 0 15,380
VISA INC-CLASS A SHARES COM 92826C839 435,246 1,583 SH SOLE 0 0 1,583
VISA INC-CLASS A SHARES COM 92826C839 461,916 1,680 SH SOLE 0 0 1,680
VOYA FINANCIAL INC COM 929089100 3,082,094 38,906 SH SOLE 0 0 38,906
WALMART DE MEXICO SAB DE CV COM P98180188 30,233 10,016 SH SOLE 0 0 10,016
WALT DISNEY CO/THE COM 254687106 453,904 4,719 SH SOLE 0 0 4,719
WASTE MANAGEMENT INC COM 94106L109 1,275,532 6,144 SH SOLE 0 0 6,144
WESTERN ASSET HI INC OPPORT COM 95766K109 4,083,647 1,008,308 SH SOLE 0 0 1,008,308
WILLIAMS COS INC COM 969457100 1,830,063 40,089 SH SOLE 0 0 40,089