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
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689   21,359,000 174,363 SH   DFND 1,2 0 174,363 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877   8,873,000 100,000 SH   DFND 1,2 0 100,000 0
iShares MSCI USA Min Vol Factor ETF MSCI USA MIN VOL 46429B697   23,898,000 197,835 SH   DFND 1,2 0 197,835 0
Vanguard FTSE Pacific ETF FTSE PACIFIC ETF 922042866   13,305,000 107,300 SH   DFND 1,2 0 107,300 0
ProShares S&P 500 Dividend Aristocrats ETF S&P 500 DV ARIST 74348A467   13,506,000 80,961 SH   DFND 1,2 0 80,961 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630   10,018,000 39,986 SH   DFND 1,2 0 39,986 0
Vanguard S&P 500 Value ETF 500 VAL IDX FD 921932703   13,661,000 50,930 SH   DFND 1,2 0 50,930 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   13,832,000 49,121 SH   DFND 1,2 0 49,121 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835   3,996,000 29,600 SH   DFND 1,2 0 29,600 0
WisdomTree Emerging Markets High Dividend Fund EMER MKT HIGH FD 97717W315   2,741,000 39,600 SH   DFND 1,2 0 39,600 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409   3,610,000 25,900 SH   DFND 1,2 0 25,900 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874   3,165,000 28,400 SH   DFND 1,2 0 28,400 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885   4,710,000 27,500 SH   DFND 1,2 0 27,500 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505   10,451,000 24,800 SH   DFND 1,2 0 24,800 0
Vanguard Mortgage-Backed Securities ETF MTG-BKD SECS ETF 92206C771   1,447,000 17,000 SH   DFND 1,2 0 17,000 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648   13,331,000 32,144 SH   DFND 1,2 0 32,144 0
Vanguard Information Technology ETF INF TECH ETF 92204A702   4,938,000 7,006 SH   DFND 1,2 0 7,006 0
Vanguard Long-Term Treasury ETF LONG TERM TREAS 92206C847   6,863,000 57,300 SH   DFND 1,2 0 57,300 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858   20,476,000 277,200 SH   DFND 1,2 0 277,200 0
ServisFirst Bancshares Inc COM 81768T108   2,000 24 SH   DFND 1,2 0 24 0
ETFMG PRIME JR SIL MN ETF PRIME JUNIR SLVR 26924G102   4,000 235 SH   DFND 1,2 0 235 0
GLB X SILVER MINE ETF-NEW GLOBAL X SILVER 37954Y848   4,000 90 SH   DFND 1,2 0 90 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106   4,000 95 SH   DFND 1,2 0 95 0
VANECK JUNIOR GLD MNR ETF JUNIOR GOLD MINE 92189F791   2,000 45 SH   DFND 1,2 0 45 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   5,542,000 9,965 SH   DFND 1,2 0 9,965 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465   827,000 8,547 SH   DFND 1,2 0 8,547 0
iShares S&P 100 ETF S&P 100 ETF 464287101   29,000 115 SH   DFND 1,2 0 115 0
Abbott Laboratories COM 002824100   12,000 91 SH   DFND 1,2 0 91 0
Adobe Inc COM 00724F101   28,000 54 SH   DFND 1,2 0 54 0
Algonquin Power & Utilities Corp COM 015857105   23,000 1,990 SH   DFND 1,2 0 1,990 0
Alphabet Inc CAP STK CL A 02079K305   79,000 560 SH   DFND 1,2 0 560 0
Amazon.com Inc COM 023135106   50,000 360 SH   DFND 1,2 0 360 0
B2Gold Corp COM 11777Q209   57,000 10,680 SH   DFND 1,2 0 10,680 0
Apple Inc COM 037833100   131,000 588 SH   DFND 1,2 0 588 0
BRP Inc COM SUN VTG 05577W200   89,000 845 SH   DFND 1,2 0 845 0
Bank of America Corp COM 060505104   85,000 2,197 SH   DFND 1,2 0 2,197 0
Bank of Nova Scotia/The COM 064149107   211,000 3,102 SH   DFND 1,2 0 3,102 0
Barrick Gold Corp COM 067901108   43,000 1,720 SH   DFND 1,2 0 1,720 0
Becton Dickinson and Co COM 075887109   299,000 892 SH   DFND 1,2 0 892 0
BCE Inc COM NEW 05534B760   313,000 5,165 SH   DFND 1,2 0 5,165 0
Berkshire Hathaway Inc CL B NEW 084670702   322,000 770 SH   DFND 1,2 0 770 0
Broadcom Inc COM 11135F101   24,000 28 SH   DFND 1,2 0 28 0
Brookfield Infrastructure Partners LP LP INT UNIT G16252101   76,000 1,656 SH   DFND 1,2 0 1,656 0
BROOKFIELD AST MGMT-A LVS CL A LMT VTG SHS 113004105   31,000 702 SH   DFND 1,2 0 702 0
BROOKFIELD REIN-A EXC LVS CL A EXCH LT VTG G16250105   1,000 19 SH   DFND 1,2 0 19 0
Brookfield Infrastructure Corp COM SB VTG SHS A 11275Q107   218,000 3,496 SH   DFND 1,2 0 3,496 0
BROOKFIELD CORP CL-A LVS CL A LTD VT SH 11271J107   123,000 2,792 SH   DFND 1,2 0 2,792 0
CME Group Inc COM 12572Q105   28,000 109 SH   DFND 1,2 0 109 0
CI Financial Corp COM 125491100   23,000 1,835 SH   DFND 1,2 0 1,835 0
Canadian Natural Resources Ltd COM 136385101   73,000 978 SH   DFND 1,2 0 978 0
Capital One Financial Corp COM 14040H105   12,000 93 SH   DFND 1,2 0 93 0
Canadian Pacific Railway Ltd COM 13645T100   139,000 1,340 SH   DFND 1,2 0 1,340 0
Caterpillar Inc COM 149123101   19,000 61 SH   DFND 1,2 0 61 0
Charter Communications Inc CL A 16119P108   7,000 15 SH   DFND 1,2 0 15 0
Coca-Cola Co/The COM 191216100   13,000 154 SH   DFND 1,2 0 154 0
Colliers International Group Inc SUB VTG SHS 194693107   79,000 555 SH   DFND 1,2 0 555 0
Comcast Corp CL A 20030N101   10,000 199 SH   DFND 1,2 0 199 0
Costco Wholesale Corp COM 22160K105   16,000 24 SH   DFND 1,2 0 24 0
Danaher Corp COM 235851102   15,000 43 SH   DFND 1,2 0 43 0
Diamondback Energy Inc COM 25278X109   22,000 122 SH   DFND 1,2 0 122 0
Walt Disney Co/The COM 254687106   12,000 87 SH   DFND 1,2 0 87 0
Dow Inc COM 260557103   11,000 144 SH   DFND 1,2 0 144 0
Embecta Corp COMMON STOCK 29082K105   0 8 SH   DFND 1,2 0 8 0
Enbridge Inc COM 29250N105   247,000 4,801 SH   DFND 1,2 0 4,801 0
Entergy Corp COM 29364G103   10,000 72 SH   DFND 1,2 0 72 0
Essex Property Trust Inc COM 297178105   8,000 30 SH   DFND 1,2 0 30 0
Exxon Mobil Corp COM 30231G102   94,000 631 SH   DFND 1,2 0 631 0
Meta Platforms Inc CL A 30303M102   41,000 144 SH   DFND 1,2 0 144 0
FirstService Corp COM 33767E202   79,000 416 SH   DFND 1,2 0 416 0
Fidelity National Information Services Inc COM 31620M106   13,000 181 SH   DFND 1,2 0 181 0
First Republic Bank/CA COM 33616C100   1,000 74 SH   DFND 1,2 0 74 0
Ford Motor Co COM 345370860   8,000 468 SH   DFND 1,2 0 468 0
General Electric Co COM NEW 369604301   10,000 81 SH   DFND 1,2 0 81 0
General Motors Co COM 37045V100   7,000 134 SH   DFND 1,2 0 134 0
Gilead Sciences Inc COM 375558103   12,000 111 SH   DFND 1,2 0 111 0
Hilton Worldwide Holdings Inc COM 43300A203   22,000 114 SH   DFND 1,2 0 114 0
Home Depot Inc/The COM 437076102   32,000 80 SH   DFND 1,2 0 80 0
Intel Corp COM 458140100   33,000 755 SH   DFND 1,2 0 755 0
Intuit Inc COM 461202103   22,000 36 SH   DFND 1,2 0 36 0
iShares Expanded Tech Sector ETF EXPND TEC SC ETF 464287549   0 0 SH   DFND 1,2 0 0 0
Johnson & Johnson COM 478160104   10,000 49 SH   DFND 1,2 0 49 0
Magna International Inc COM 559222401   31,000 423 SH   DFND 1,2 0 423 0
Manulife Financial Corp COM 56501R106   76,000 3,071 SH   DFND 1,2 0 3,071 0
Mastercard Inc CL A 57636Q104   32,000 65 SH   DFND 1,2 0 65 0
McDonald's Corp COM 580135101   20,000 53 SH   DFND 1,2 0 53 0
Medtronic PLC SHS G5960L103   14,000 127 SH   DFND 1,2 0 127 0
Merck & Co Inc COM 58933Y105   19,000 134 SH   DFND 1,2 0 134 0
Micron Technology Inc COM 595112103   14,000 171 SH   DFND 1,2 0 171 0
Microsoft Corp COM 594918104   123,000 315 SH   DFND 1,2 0 315 0
JPMorgan Chase & Co COM 46625H100   39,000 222 SH   DFND 1,2 0 222 0
NVIDIA Corp COM 67066G104   24,000 64 SH   DFND 1,2 0 64 0
NextEra Energy Inc COM 65339F101   11,000 102 SH   DFND 1,2 0 102 0
Northrop Grumman Corp COM 666807102   26,000 41 SH   DFND 1,2 0 41 0
Nutrien Ltd COM 67077M108   317,000 3,177 SH   DFND 1,2 0 3,177 0
Open Text Corp COM 683715106   52,000 1,007 SH   DFND 1,2 0 1,007 0
O'Reilly Automotive Inc COM 67103H107   40,000 35 SH   DFND 1,2 0 35 0
Parker-Hannifin Corp COM 701094104   30,000 66 SH   DFND 1,2 0 66 0
PayPal Holdings Inc COM 70450Y103   10,000 101 SH   DFND 1,2 0 101 0
PPG Industries Inc COM 693506107   17,000 95 SH   DFND 1,2 0 95 0
Procter & Gamble Co/The COM 742718109   25,000 122 SH   DFND 1,2 0 122 0
QUALCOMM Inc COM 747525103   17,000 98 SH   DFND 1,2 0 98 0
Royal Bank of Canada COM 780087102   435,000 3,363 SH   DFND 1,2 0 3,363 0
Shaw Communications Inc CL B CONV 82028K200   71,000 1,750 SH   DFND 1,2 0 1,750 0
Sherwin-Williams Co/The COM 824348106   21,000 69 SH   DFND 1,2 0 69 0
Simon Property Group Inc COM 828806109   16,000 105 SH   DFND 1,2 0 105 0
S&P Global Inc COM 78409V104   53,000 114 SH   DFND 1,2 0 114 0
Stanley Black & Decker Inc COM 854502101   7,000 68 SH   DFND 1,2 0 68 0
Sun Life Financial Inc COM 866796105   203,000 3,221 SH   DFND 1,2 0 3,221 0
Suncor Energy Inc COM 867224107   202,000 4,804 SH   DFND 1,2 0 4,804 0
TJX Cos Inc/The COM 872540109   38,000 362 SH   DFND 1,2 0 362 0
TC Energy Corp COM 87807B107   49,000 940 SH   DFND 1,2 0 940 0
AT&T Inc COM 00206R102   7,000 275 SH   DFND 1,2 0 275 0
Tesla Inc COM 88160R101   11,000 39 SH   DFND 1,2 0 39 0
Texas Instruments Inc COM 882508104   26,000 103 SH   DFND 1,2 0 103 0
Thermo Fisher Scientific Inc COM 883556102   29,000 37 SH   DFND 1,2 0 37 0
Toronto-Dominion Bank/The COM NEW 891160509   611,000 7,554 SH   DFND 1,2 0 7,554 0
Tricon Residential Inc COM NPV 89612W102   39,000 3,694 SH   DFND 1,2 0 3,694 0
Ulta Beauty Inc COM 90384S303   34,000 46 SH   DFND 1,2 0 46 0
Union Pacific Corp COM 907818108   39,000 145 SH   DFND 1,2 0 145 0
UnitedHealth Group Inc COM 91324P102   60,000 94 SH   DFND 1,2 0 94 0
Visa Inc COM CL A 92826C839   27,000 87 SH   DFND 1,2 0 87 0
Waste Connections Inc COM 94106B101   113,000 599 SH   DFND 1,2 0 599 0
Yum! Brands Inc COM 988498101   15,000 82 SH   DFND 1,2 0 82 0
Zoetis Inc CL A 98978V103   10,000 46 SH   DFND 1,2 0 46 0
Citigroup Inc COM NEW 172967424   70,000 1,100 SH   DFND 1,2 0 1,100 0
Pfizer Inc COM 717081103   81,000 1,472 SH   DFND 1,2 0 1,472 0
Viatris Inc COM 92556V106   2,000 148 SH   DFND 1,2 0 148 0
Westinghouse Air Brake Technologies Corp COM 929740108   1,000 8 SH   DFND 1,2 0 8 0
Cenovus Energy Inc COM 15135U109   17,000 720 SH   DFND 1,2 0 720 0
Thomson Reuters Corp COM NEW 884903709   415,000 2,360 SH   DFND 1,2 0 2,360 0
Ritchie Bros Auctioneers Inc COM 767744105   152,000 2,000 SH   DFND 1,2 0 2,000 0
Rogers Communications Inc CL B 775109200   81,000 1,300 SH   DFND 1,2 0 1,300 0
TILRAY BRANDS INC CLASS 2 COM 88688T100   4,000 1,136 SH   DFND 1,2 0 1,136 0
WTS-CENOVUS ENERGY 1JAN26 *W EXP 01/01/202 15135U117   1,000 59 SH   DFND 1,2 0 59 0
Fiverr International Ltd ORD SHS M4R82T106   189,000 4,000 SH   DFND 1,2 0 4,000 0
Hasbro Inc COM 418056107   25,000 350 SH   DFND 1,2 0 350 0
Hewlett Packard Enterprise Co COM 42824C109   22,000 1,000 SH   DFND 1,2 0 1,000 0
TMC THE METALS COMPANY COM 87261Y106   4,000 3,790 SH   DFND 1,2 0 3,790 0
US Bancorp COM NEW 902973304   122,000 2,500 SH   DFND 1,2 0 2,500 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   127,000 250 SH   DFND 1,2 0 250 0
Walmart Inc COM 931142103   59,000 298 SH   DFND 1,2 0 298 0
Fortis Inc/Canada COM 349553107   19,000 332 SH   DFND 1,2 0 332 0
Warner Bros Discovery Inc COM SER A 934423104   1,000 66 SH   DFND 1,2 0 66 0
HUDBAY MINERALS INC COM 443628102   42,000 5,968 SH   DFND 1,2 0 5,968 0
AON PLC CL-A SHS CL A G0403H108   61,000 142 SH   DFND 1,2 0 142 0
GE HEALTHCARE TECHS INC COMMON STOCK 36266G107   3,000 27 SH   DFND 1,2 0 27 0
TELUS CORP COM 87971M103   161,000 6,000 SH   DFND 1,2 0 6,000 0