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   46,039 142 SH   DFND 1,2 0 142 0
BROOKFIELD REINS LTD CL A EXCH LT VTG G16250105   807 19 SH   DFND 1,2 0 19 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   66,008 1,656 SH   DFND 1,2 0 1,656 0
MEDTRONIC PLC SHS G5960L103   9,952 127 SH   DFND 1,2 0 127 0
FIVERR INTL LTD ORD SHS M4R82T106   97,880 4,000 SH   DFND 1,2 0 4,000 0
AT&T INC COM 00206R102   4,131 275 SH   DFND 1,2 0 275 0
ABBOTT LABS COM 002824100   8,813 91 SH   DFND 1,2 0 91 0
ADOBE INC COM 00724F101   27,535 54 SH   DFND 1,2 0 54 0
ALGONQUIN PWR UTILS CORP COM 015857105   16,000 1,990 SH   DFND 1,2 0 1,990 0
ALPHABET INC CAP STK CL A 02079K305   73,282 560 SH   DFND 1,2 0 560 0
AMAZON COM INC COM 023135106   45,763 360 SH   DFND 1,2 0 360 0
APPLE INC COM 037833100   100,671 588 SH   DFND 1,2 0 588 0
BCE INC COM NEW 05534B760   267,805 5,165 SH   DFND 1,2 0 5,165 0
BRP INC COM SUN VTG 05577W200   86,874 845 SH   DFND 1,2 0 845 0
BANK AMERICA CORP COM 060505104   60,154 2,197 SH   DFND 1,2 0 2,197 0
BANK NOVA SCOTIA HALIFAX COM 064149107   188,850 3,102 SH   DFND 1,2 0 3,102 0
BARRICK GOLD CORP COM 067901108   33,936 1,720 SH   DFND 1,2 0 1,720 0
BECTON DICKINSON & CO COM 075887109   230,609 892 SH   DFND 1,2 0 892 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   269,731 770 SH   DFND 1,2 0 770 0
BROADCOM INC COM 11135F101   23,256 28 SH   DFND 1,2 0 28 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   118,576 2,792 SH   DFND 1,2 0 2,792 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   167,878 3,496 SH   DFND 1,2 0 3,496 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   31,773 702 SH   DFND 1,2 0 702 0
B2GOLD CORP COM 11777Q209   41,652 10,680 SH   DFND 1,2 0 10,680 0
CME GROUP INC COM 12572Q105   21,824 109 SH   DFND 1,2 0 109 0
CANADIAN NAT RES LTD COM 136385101   85,908 978 SH   DFND 1,2 0 978 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   135,286 1,340 SH   DFND 1,2 0 1,340 0
CAPITAL ONE FINL CORP COM 14040H105   9,026 93 SH   DFND 1,2 0 93 0
CATERPILLAR INC COM 149123101   16,653 61 SH   DFND 1,2 0 61 0
CENOVUS ENERGY INC COM 15135U109   20,362 720 SH   DFND 1,2 0 720 0
CENOVUS ENERGY INC *W EXP 01/01/202 15135U117   1,280 59 SH   DFND 1,2 0 59 0
CHARTER COMMUNICATIONS INC N CL A 16119P108   6,597 15 SH   DFND 1,2 0 15 0
CITIGROUP INC COM NEW 172967424   45,243 1,100 SH   DFND 1,2 0 1,100 0
COCA COLA CO COM 191216100   8,621 154 SH   DFND 1,2 0 154 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107   71,789 555 SH   DFND 1,2 0 555 0
COMCAST CORP NEW CL A 20030N101   8,824 199 SH   DFND 1,2 0 199 0
COSTCO WHSL CORP NEW COM 22160K105   13,559 24 SH   DFND 1,2 0 24 0
DANAHER CORPORATION COM 235851102   10,668 43 SH   DFND 1,2 0 43 0
DIAMONDBACK ENERGY INC COM 25278X109   18,895 122 SH   DFND 1,2 0 122 0
DISNEY WALT CO COM 254687106   7,051 87 SH   DFND 1,2 0 87 0
DOW INC COM 260557103   7,425 144 SH   DFND 1,2 0 144 0
ETF MANAGERS TR PRIME JUNIR SLVR 26924G102   1,993 235 SH   DFND 1,2 0 235 0
EMBECTA CORP COMMON STOCK 29082K105   120 8 SH   DFND 1,2 0 8 0
ENBRIDGE INC COM 29250N105   216,285 4,801 SH   DFND 1,2 0 4,801 0
ENTERGY CORP NEW COM 29364G103   6,660 72 SH   DFND 1,2 0 72 0
ESSEX PPTY TR INC COM 297178105   6,363 30 SH   DFND 1,2 0 30 0
EXXON MOBIL CORP COM 30231G102   74,193 631 SH   DFND 1,2 0 631 0
META PLATFORMS INC CL A 30303M102   43,230 144 SH   DFND 1,2 0 144 0
FIDELITY NATL INFORMATION SV COM 31620M106   10,004 181 SH   DFND 1,2 0 181 0
FIRSTSERVICE CORP COM 33767E202   82,185 416 SH   DFND 1,2 0 416 0
FORD MTR CO DEL COM 345370860   5,813 468 SH   DFND 1,2 0 468 0
FORTIS INC COM 349553107   17,128 332 SH   DFND 1,2 0 332 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   1,837 27 SH   DFND 1,2 0 27 0
GENERAL ELECTRIC CO COM NEW 369604301   8,955 81 SH   DFND 1,2 0 81 0
GENERAL MTRS CO COM 37045V100   4,418 134 SH   DFND 1,2 0 134 0
GILEAD SCIENCES INC COM 375558103   8,318 111 SH   DFND 1,2 0 111 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848   2,151 90 SH   DFND 1,2 0 90 0
HASBRO INC COM 418056107   23,149 350 SH   DFND 1,2 0 350 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   17,370 1,000 SH   DFND 1,2 0 1,000 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   17,121 114 SH   DFND 1,2 0 114 0
HOME DEPOT INC COM 437076102   24,173 80 SH   DFND 1,2 0 80 0
HUDBAY MINERALS INC COM 443628102   39,448 5,968 SH   DFND 1,2 0 5,968 0
INTEL CORP COM 458140100   26,840 755 SH   DFND 1,2 0 755 0
INTUIT COM 461202103   18,394 36 SH   DFND 1,2 0 36 0
ISHARES TR CORE S&P500 ETF 464287200   4,247,492 9,891 SH   DFND 1,2 0 9,891 0
ISHARES TR MSCI EAFE ETF 464287465   589,059 8,547 SH   DFND 1,2 0 8,547 0
ISHARES TR RUS 2000 VAL ETF 464287630   702,962 5,186 SH   DFND 1,2 0 5,186 0
ISHARES TR RUS 2000 GRW ETF 464287648   659,898 2,944 SH   DFND 1,2 0 2,944 0
ISHARES TR INTL SEL DIV ETF 464288448   819,658 32,270 SH   DFND 1,2 0 32,270 0
ISHARES TR EAFE VALUE ETF 464288877   5,925,423 121,100 SH   DFND 1,2 0 121,100 0
ISHARES TR EAFE GRWTH ETF 464288885   5,514,570 63,900 SH   DFND 1,2 0 63,900 0
ISHARES TR MSCI EAFE MIN VL 46429B689   12,369,821 189,663 SH   DFND 1,2 0 189,663 0
ISHARES TR MSCI USA MIN VOL 46429B697   14,587,103 201,535 SH   DFND 1,2 0 201,535 0
JPMORGAN CHASE & CO COM 46625H100   32,194 222 SH   DFND 1,2 0 222 0
JOHNSON & JOHNSON COM 478160104   7,632 49 SH   DFND 1,2 0 49 0
MAGNA INTL INC COM 559222401   30,790 423 SH   DFND 1,2 0 423 0
MANULIFE FINL CORP COM 56501R106   76,222 3,071 SH   DFND 1,2 0 3,071 0
MASTERCARD INCORPORATED CL A 57636Q104   25,734 65 SH   DFND 1,2 0 65 0
MCDONALDS CORP COM 580135101   13,962 53 SH   DFND 1,2 0 53 0
MERCK & CO INC COM 58933Y105   13,795 134 SH   DFND 1,2 0 134 0
MICROSOFT CORP COM 594918104   99,461 315 SH   DFND 1,2 0 315 0
MICRON TECHNOLOGY INC COM 595112103   11,633 171 SH   DFND 1,2 0 171 0
NEXTERA ENERGY INC COM 65339F101   5,844 102 SH   DFND 1,2 0 102 0
NORTHROP GRUMMAN CORP COM 666807102   18,048 41 SH   DFND 1,2 0 41 0
NVIDIA CORPORATION COM 67066G104   27,839 64 SH   DFND 1,2 0 64 0
NUTRIEN LTD COM 67077M108   266,487 3,177 SH   DFND 1,2 0 3,177 0
OREILLY AUTOMOTIVE INC COM 67103H107   31,810 35 SH   DFND 1,2 0 35 0
OPEN TEXT CORP COM 683715106   48,004 1,007 SH   DFND 1,2 0 1,007 0
PPG INDS INC COM 693506107   12,331 95 SH   DFND 1,2 0 95 0
PARKER-HANNIFIN CORP COM 701094104   25,708 66 SH   DFND 1,2 0 66 0
PAYPAL HLDGS INC COM 70450Y103   5,904 101 SH   DFND 1,2 0 101 0
PFIZER INC COM 717081103   48,826 1,472 SH   DFND 1,2 0 1,472 0
PROCTER AND GAMBLE CO COM 742718109   17,795 122 SH   DFND 1,2 0 122 0
PROSHARES TR S&P 500 DV ARIST 74348A467   8,399,942 94,861 SH   DFND 1,2 0 94,861 0
QUALCOMM INC COM 747525103   10,884 98 SH   DFND 1,2 0 98 0
ROGERS COMMUNICATIONS INC CL B 775109200   67,795 1,300 SH   DFND 1,2 0 1,300 0
ROYAL BK CDA COM 780087102   399,188 3,363 SH   DFND 1,2 0 3,363 0
S&P GLOBAL INC COM 78409V104   41,657 114 SH   DFND 1,2 0 114 0
SERVISFIRST BANCSHARES INC COM 81768T108   1,252 24 SH   DFND 1,2 0 24 0
SHERWIN WILLIAMS CO COM 824348106   17,598 69 SH   DFND 1,2 0 69 0
SIMON PPTY GROUP INC NEW COM 828806109   11,343 105 SH   DFND 1,2 0 105 0
STANLEY BLACK & DECKER INC COM 854502101   5,683 68 SH   DFND 1,2 0 68 0
SUN LIFE FINANCIAL INC. COM 866796105   213,456 3,221 SH   DFND 1,2 0 3,221 0
SUNCOR ENERGY INC NEW COM 867224107   224,395 4,804 SH   DFND 1,2 0 4,804 0
TJX COS INC NEW COM 872540109   32,175 362 SH   DFND 1,2 0 362 0
TMC THE METALS COMPANY INC COM 87261Y106   3,757 3,790 SH   DFND 1,2 0 3,790 0
TC ENERGY CORP COM 87807B107   43,907 940 SH   DFND 1,2 0 940 0
TELUS CORPORATION COM 87971M103   133,080 6,000 SH   DFND 1,2 0 6,000 0
TESLA INC COM 88160R101   9,759 39 SH   DFND 1,2 0 39 0
TEXAS INSTRS INC COM 882508104   16,378 103 SH   DFND 1,2 0 103 0
THERMO FISHER SCIENTIFIC INC COM 883556102   18,728 37 SH   DFND 1,2 0 37 0
TILRAY BRANDS INC COM 88688T100   3,669 1,136 SH   DFND 1,2 0 1,136 0
TORONTO DOMINION BK ONT COM NEW 891160509   618,144 7,554 SH   DFND 1,2 0 7,554 0
TRICON RESIDENTIAL INC COM NPV 89612W102   37,088 3,694 SH   DFND 1,2 0 3,694 0
US BANCORP DEL COM NEW 902973304   82,650 2,500 SH   DFND 1,2 0 2,500 0
ULTA BEAUTY INC COM 90384S303   18,375 46 SH   DFND 1,2 0 46 0
UNION PAC CORP COM 907818108   29,526 145 SH   DFND 1,2 0 145 0
UNITEDHEALTH GROUP INC COM 91324P102   47,394 94 SH   DFND 1,2 0 94 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   2,287 85 SH   DFND 1,2 0 85 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   1,450 45 SH   DFND 1,2 0 45 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,383,813 47,521 SH   DFND 1,2 0 47,521 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   19,623,780 79,500 SH   DFND 1,2 0 79,500 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   26,322,591 177,030 SH   DFND 1,2 0 177,030 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,149,224 30,800 SH   DFND 1,2 0 30,800 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,742,822 28,160 SH   DFND 1,2 0 28,160 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   9,503,699 22,906 SH   DFND 1,2 0 22,906 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,940,170 177,000 SH   DFND 1,2 0 177,000 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   5,517,600 82,500 SH   DFND 1,2 0 82,500 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,622,040 28,000 SH   DFND 1,2 0 28,000 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,946,385 25,900 SH   DFND 1,2 0 25,900 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   744,260 17,000 SH   DFND 1,2 0 17,000 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   4,213,209 75,900 SH   DFND 1,2 0 75,900 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   98,175 250 SH   DFND 1,2 0 250 0
VIATRIS INC COM 92556V106   1,459 148 SH   DFND 1,2 0 148 0
VISA INC COM CL A 92826C839   20,011 87 SH   DFND 1,2 0 87 0
WABTEC COM 929740108   850 8 SH   DFND 1,2 0 8 0
WALMART INC COM 931142103   47,659 298 SH   DFND 1,2 0 298 0
WARNER BROS DISCOVERY INC COM SER A 934423104   717 66 SH   DFND 1,2 0 66 0
WASTE CONNECTIONS INC COM 94106B101   109,240 599 SH   DFND 1,2 0 599 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,090,959 29,100 SH   DFND 1,2 0 29,100 0
YUM BRANDS INC COM 988498101   10,245 82 SH   DFND 1,2 0 82 0
ZOETIS INC CL A 98978V103   8,003 46 SH   DFND 1,2 0 46 0