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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares MSCI USA Min Vol Factor ETF MSCI USA MIN VOL 46429B697 18,768 207,671 SH   DFND 1,2 0 207,671 0
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689 15,766 193,568 SH   DFND 1,2 0 193,568 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 4,931 10,103 SH   DFND 1,2 0 10,103 0
Microsoft Corp COM 594918104 104 315 SH   DFND 1,2 0 315 0
Apple Inc COM 037833100 103 588 SH   DFND 1,2 0 588 0
Johnson & Johnson COM 478160104 11 49 SH   DFND 1,2 0 49 0
Pfizer Inc COM 717081103 99 1,472 SH   DFND 1,2 0 1,472 0
Aon PLC SHS CL A G0403H108 49 142 SH   DFND 1,2 0 142 0
UnitedHealth Group Inc COM 91324P102 62 94 SH   DFND 1,2 0 94 0
Exxon Mobil Corp COM 30231G102 70 631 SH   DFND 1,2 0 631 0
Procter & Gamble Co/The COM 742718109 23 122 SH   DFND 1,2 0 122 0
JPMorgan Chase & Co COM 46625H100 32 222 SH   DFND 1,2 0 222 0
Visa Inc COM CL A 92826C839 22 87 SH   DFND 1,2 0 87 0
Berkshire Hathaway Inc CL B NEW 084670702 271 770 SH   DFND 1,2 0 770 0
Mastercard Inc CL A 57636Q104 31 76 SH   DFND 1,2 0 76 0
Sun Life Financial Inc COM 866796105 190 3,221 SH   DFND 1,2 0 3,221 0
TC Energy Corp COM 87807B107 63 940 SH   DFND 1,2 0 940 0
Mondelez International Inc CL A 609207105 5 64 SH   DFND 1,2 0 64 0
Walmart Inc ORD 931142103 47 298 SH   DFND 1,2 0 298 0
AT&T Inc COM 00206R102 186 6,488 SH   DFND 1,2 0 6,488 0
Bank of America Corp COM 060505104 88 2,197 SH   DFND 1,2 0 2,197 0
Merck & Co Inc COM 58933Y105 16 134 SH   DFND 1,2 0 134 0
Brookfield Asset Management Inc CL A LTD VT SH 112585104 177 3,083 SH   DFND 1,2 0 3,083 0
Rogers Communications Inc CL B 775109200 80 1,300 SH   DFND 1,2 0 1,300 0
General Electric Co COM NEW 369604301 7 81 SH   DFND 1,2 0 81 0
CME Group Inc COM 12572Q105 29 109 SH   DFND 1,2 0 109 0
Suncor Energy Inc COM 867224107 223 4,940 SH   DFND 1,2 0 4,940 0
Canadian National Railway Co COM 136375102 4 31 SH   DFND 1,2 0 31 0
QUALCOMM Inc COM 747525103 16 98 SH   DFND 1,2 0 98 0
Fidelity National Information Services Inc COM 31620M106 21 181 SH   DFND 1,2 0 181 0
Bank of Montreal COM 063671101 8 66 SH   DFND 1,2 0 66 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 584 7,507 SH   DFND 1,2 0 7,507 0
Becton Dickinson and Co COM 075887109 283 892 SH   DFND 1,2 0 892 0
Medtronic PLC SHS G5960L103 15 127 SH   DFND 1,2 0 127 0
Magna International Inc COM 559222401 30 423 SH   DFND 1,2 0 423 0
Manulife Financial Corp COM 56501R106 69 3,071 SH   DFND 1,2 0 3,071 0
Fortis Inc/Canada COM 349553107 20 332 SH   DFND 1,2 0 332 0
Ulta Beauty Inc COM 90384S303 23 46 SH   DFND 1,2 0 46 0
US Bancorp COM NEW 902973304 148 2,500 SH   DFND 1,2 0 2,500 0
Bank of Nova Scotia/The COM 064149107 236 3,102 SH   DFND 1,2 0 3,102 0
Abbott Laboratories COM 002824100 13 91 SH   DFND 1,2 0 91 0
Toronto-Dominion Bank/The COM NEW 891160509 642 7,609 SH   DFND 1,2 0 7,609 0
Nutrien Ltd COM 67077M108 121 1,177 SH   DFND 1,2 0 1,177 0
Ritchie Bros Auctioneers Inc COM 767744105 167 2,000 SH   DFND 1,2 0 2,000 0
PayPal Holdings Inc COM 70450Y103 9 101 SH   DFND 1,2 0 101 0
Royal Bank of Canada COM 780087102 430 3,448 SH   DFND 1,2 0 3,448 0
iShares Expanded Tech Sector ETF EXPND TEC SC ETF 464287549 370 977 SH   DFND 1,2 0 977 0
BCE Inc COM NEW 05534B760 330 5,220 SH   DFND 1,2 0 5,220 0
Thomson Reuters Corp COM NEW 884903709 317 2,360 SH   DFND 1,2 0 2,360 0
Enbridge Inc COM 29250N105 266 4,896 SH   DFND 1,2 0 4,896 0
Thermo Fisher Scientific Inc COM 883556102 26 37 SH   DFND 1,2 0 37 0
Caterpillar Inc COM 149123101 14 61 SH   DFND 1,2 0 61 0
Brookfield Infrastructure Corp COM SB VTG SHS A 11275Q107 191 3,496 SH   DFND 1,2 0 3,496 0
TELUS Corp COM 87971M103 186 6,488 SH   DFND 1,2 0 6,488 0
Texas Instruments Inc COM 882508104 20 103 SH   DFND 1,2 0 103 0
Fiverr International Ltd ORD SHS M4R82T106 177 4,000 SH   DFND 1,2 0 4,000 0
Canadian Pacific Railway Ltd COM 13645T100 129 1,435 SH   DFND 1,2 0 1,435 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 112 250 SH   DFND 1,2 0 250 0
Waste Connections Inc COM 94106B101 102 641 SH   DFND 1,2 0 641 0
Brookfield Infrastructure Partners LP LP INT UNIT G16252101 81 1,656 SH   DFND 1,2 0 1,656 0
Alphabet Inc CAP STK CL A 02079K305 79 28 SH   DFND 1,2 0 28 0
Colliers International Group Inc SUB VTG SHS 194693107 78 555 SH   DFND 1,2 0 555 0
Canadian Natural Resources Ltd COM 136385101 73 1,062 SH   DFND 1,2 0 1,062 0
BRP Inc COM SUN VTG 05577W200 67 845 SH   DFND 1,2 0 845 0
Shaw Communications Inc CL B CONV 82028K200 66 1,750 SH   DFND 1,2 0 1,750 0
Citigroup Inc COM NEW 172967424 65 1,100 SH   DFND 1,2 0 1,100 0
FirstService Corp COM 33767E202 65 416 SH   DFND 1,2 0 416 0
S&P Global Inc COM 78409V104 49 114 SH   DFND 1,2 0 114 0
Amazon.com Inc COM 023135106 49 360 SH   DFND 1,2 0 360 0
Open Text Corp COM 683715106 49 1,007 SH   DFND 1,2 0 1,007 0
Tricon Residential Inc COM NPV 89612W102 48 3,694 SH   DFND 1,2 0 3,694 0
B2Gold Corp COM 11777Q209 47 10,680 SH   DFND 1,2 0 10,680 0
Union Pacific Corp COM 907818108 40 145 SH   DFND 1,2 0 145 0
Barrick Gold Corp COM 067901108 39 1,720 SH   DFND 1,2 0 1,720 0
Hasbro Inc COM 418056107 37 350 SH   DFND 1,2 0 350 0
Intel Corp COM 458140100 36 755 SH   DFND 1,2 0 755 0
Algonquin Power & Utilities Corp COM 015857105 34 1,990 SH   DFND 1,2 0 1,990 0
Meta Platforms Inc CL A 30303M102 30 144 SH   DFND 1,2 0 144 0
O'Reilly Automotive Inc COM 67103H107 28 35 SH   DFND 1,2 0 35 0
Home Depot Inc/The COM 437076102 28 80 SH   DFND 1,2 0 80 0
TJX Cos Inc/The COM 872540109 26 362 SH   DFND 1,2 0 362 0
iShares S&P 100 ETF S&P 100 ETF 464287101 26 115 SH   DFND 1,2 0 115 0
Adobe Inc COM 00724F101 25 54 SH   DFND 1,2 0 54 0
Northrop Grumman Corp COM 666807102 25 41 SH   DFND 1,2 0 41 0
CI Financial Corp COM 125491100 25 1,835 SH   DFND 1,2 0 1,835 0
Parker-Hannifin Corp COM 701094104 21 66 SH   DFND 1,2 0 66 0
Sherwin-Williams Co/The COM 824348106 20 69 SH   DFND 1,2 0 69 0
Diamondback Energy Inc COM 25278X109 19 122 SH   DFND 1,2 0 122 0
Intuit Inc COM 461202103 18 36 SH   DFND 1,2 0 36 0
Cenovus Energy Inc COM 15135U109 18 720 SH   DFND 1,2 0 720 0
Broadcom Inc COM 11135F101 18 28 SH   DFND 1,2 0 28 0
Hewlett Packard Enterprise Co COM 42824C109 17 1,000 SH   DFND 1,2 0 1,000 0
McDonald's Corp COM 580135101 17 53 SH   DFND 1,2 0 53 0
Hilton Worldwide Holdings Inc COM 43300A203 16 114 SH   DFND 1,2 0 114 0
Costco Wholesale Corp COM 22160K105 15 24 SH   DFND 1,2 0 24 0
Danaher Corp COM 235851102 14 43 SH   DFND 1,2 0 43 0
PPG Industries Inc COM 693506107 14 95 SH   DFND 1,2 0 95 0
First Republic Bank/CA COM 33616C100 14 74 SH   DFND 1,2 0 74 0
Simon Property Group Inc COM 828806109 13 105 SH   DFND 1,2 0 105 0
NVIDIA Corp COM 67066G104 12 64 SH   DFND 1,2 0 64 0
Capital One Financial Corp COM 14040H105 12 93 SH   DFND 1,2 0 93 0
Coca-Cola Co/The COM 191216100 12 154 SH   DFND 1,2 0 154 0
Micron Technology Inc COM 595112103 12 171 SH   DFND 1,2 0 171 0
Yum! Brands Inc COM 988498101 12 82 SH   DFND 1,2 0 82 0
Tesla Inc COM 88160R101 11 13 SH   DFND 1,2 0 13 0
Walt Disney Co/The COM 254687106 11 87 SH   DFND 1,2 0 87 0
Entergy Corp COM 29364G103 10 72 SH   DFND 1,2 0 72 0
Zoetis Inc CL A 98978V103 10 46 SH   DFND 1,2 0 46 0
NextEra Energy Inc COM 65339F101 10 102 SH   DFND 1,2 0 102 0
Essex Property Trust Inc COM 297178105 10 30 SH   DFND 1,2 0 30 0
Comcast Corp CL A 20030N101 10 199 SH   DFND 1,2 0 199 0
Dow Inc COM 260557103 10 144 SH   DFND 1,2 0 144 0
Stanley Black & Decker Inc COM 854502101 9 68 SH   DFND 1,2 0 68 0
Charter Communications Inc CL A 16119P108 9 15 SH   DFND 1,2 0 15 0
Gilead Sciences Inc COM 375558103 9 111 SH   DFND 1,2 0 111 0
CVS Health Corp COM 126650100 7 61 SH   DFND 1,2 0 61 0
Ford Motor Co COM 345370860 7 468 SH   DFND 1,2 0 468 0
General Motors Co COM 37045V100 5 134 SH   DFND 1,2 0 134 0
ServisFirst Bancshares Inc COM 81768T108 2 24 SH   DFND 1,2 0 24 0
TFI International Inc COM 87241L109 4 43 SH   DFND 1,2 0 43 0
Pembina Pipeline Corp COM 706327103 4 95 SH   DFND 1,2 0 95 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 2 42 SH   DFND 1,2 0 42 0
Viatris Inc COM 92556V106 2 148 SH   DFND 1,2 0 148 0
Brookfield Asset Management Reinsurance Partners Ltd CL A EXCH LT VTG G16169107 1 20 SH   DFND 1,2 0 20 0
Warner Bros Discovery Inc COM SER A 934423104 1 66 SH   DFND 1,2 0 66 0
Westinghouse Air Brake Technologies Corp COM 929740108 1 8 SH   DFND 1,2 0 8 0
Renaissance IPO ETF IPO ETF 759937204 0 10 SH   DFND 1,2 0 10 0
Shopify Inc CL A 82509L107 0 9 SH   DFND 1,2 0 9 0
Embecta Corp COMMON STOCK 29082K105 0 8 SH   DFND 1,2 0 8 0
Hudbay Minerals Inc. COM 443628102 31 5,968 SH   DFND 1,2 0 5,968 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877 70,171 1,256,100 SH   DFND 1,2 0 1,256,100 0
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 14,501 191,400 SH   DFND 1,2 0 191,400 0
ProShares S&P 500 Dividend Aristocrats ETF S&P 500 DV ARIST 74348A467 10,544 95,961 SH   DFND 1,2 0 95,961 0
Vanguard FTSE Pacific ETF FTSE PACIFIC ETF 922042866 10,279 125,800 SH   DFND 1,2 0 125,800 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 9,939 53,821 SH   DFND 1,2 0 53,821 0
Vanguard S&P 500 Value ETF 500 VAL IDX FD 921932703 9,736 56,930 SH   DFND 1,2 0 56,930 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 7,217 74,500 SH   DFND 1,2 0 74,500 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 6,355 64,738 SH   DFND 1,2 0 64,738 0
Vanguard Long-Term Treasury ETF LONG TERM TREAS 92206C847 6,247 69,178 SH   DFND 1,2 0 69,178 0
Vanguard Mortgage-Backed Securities ETF MTG-BKD SECS ETF 92206C771 6,136 99,700 SH   DFND 1,2 0 99,700 0
Vanguard Total International Bond ETF TOTAL INT BD ETF 92203J407 5,790 90,800 SH   DFND 1,2 0 90,800 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 4,416 10,506 SH   DFND 1,2 0 10,506 0
Vanguard Intermediate-Term Corporate Bond ETF INT-TERM CORP 92206C870 3,955 38,400 SH   DFND 1,2 0 38,400 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 3,450 33,300 SH   DFND 1,2 0 33,300 0
iShares GSCI Commodity Dynamic GSCI CMDTY STGY 46431W853 3,299 62,600 SH   DFND 1,2 0 62,600 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505 3,082 11,000 SH   DFND 1,2 0 11,000 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 1,734 25,500 SH   DFND 1,2 0 25,500 0
iShares Russell 2000 Value ETF RUS 2000 VAL 464287630 1,540 8,786 SH   DFND 1,2 0 8,786 0
iShare Russell 2000 Growth ETF RUS 2000 GRW 464287648 1,260 4,744 SH   DFND 1,2 0 4,744 0