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
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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
3M CO COM 88579Y101   1,297,991 12,349 SH   SOLE   0 0 12,349
ADAMS DIVERSIFIED EQUITY COM 006212104   3,302,053 212,351 SH   SOLE   0 0 212,351
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,043,299 99,382 SH   SOLE   0 0 99,382
ADVENT CONVERT & INCOME COM 00764C109   903,494 78,157 SH   SOLE   0 0 78,157
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,284,978 4,474 SH   SOLE   0 0 4,474
ALLSTATE CORP COM 020002101   2,343,733 21,151 SH   SOLE   0 0 21,151
ALPHABET INC-CL A COM 02079K305   1,066,759 10,284 SH   SOLE   0 0 10,284
ALPHABET INC-CL C COM 02079K107   1,390,480 13,370 SH   SOLE   0 0 13,370
AMAZON.COM INC COM 023135106   781,905 7,570 SH   SOLE   0 0 7,570
AMCOR PLC COM G0250X107   295,880 26,000 SH   DFND   26,000 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101   210,500 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   601,227 18,219 SH   SOLE   0 0 18,219
AMGEN INC COM 031162100   4,187,255 17,321 SH   SOLE   0 0 17,321
AMYRIS INC COM 03236M200   14,960 11,000 SH   SOLE   0 0 11,000
APPLE INC COM 037833100   2,289,222 13,882 SH   SOLE   0 0 13,882
APPLE INC COM 037833100   808,010 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109   308,149 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   4,119,313 74,410 SH   SOLE   0 0 74,410
ASTRAZENECA PLC-SPONS ADR ADR 046353108   520,575 7,500 SH   DFND   7,500 0 0
AUTOMATIC DATA PROCESSING COM 053015103   349,529 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   351,515 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   520,071 18,184 SH   SOLE   0 0 18,184
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   131,948 27,432 SH   DFND   27,432 0 0
CATERPILLAR INC COM 149123101   274,608 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   110,600 20,000 SH   DFND   20,000 0 0
CHASE CORP COM 16150R104   3,791,508 36,203 SH   SOLE   0 0 36,203
CHEVRON CORP COM 166764100   571,060 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,437,981 27,508 SH   SOLE   0 0 27,508
COCA-COLA CO/THE COM 191216100   267,992 4,320 SH   SOLE   0 0 4,320
COGNITION THERAPEUTICS INC COM 19243B102   101,913 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   4,442,847 29,710 SH   SOLE   0 0 29,710
CONSUMER STAPLES SPDR COM 81369Y308   4,393,245 58,804 SH   SOLE   0 0 58,804
COPA HOLDINGS SA-CLASS A COM P31076105   277,050 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,220,129 49,720 SH   SOLE   0 0 49,720
CSX CORP COM 126408103   3,474,082 116,035 SH   SOLE   0 0 116,035
CVS HEALTH CORP COM 126650100   1,590,212 21,400 SH   SOLE   0 0 21,400
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   121,000 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   511,566 10,108 SH   SOLE   0 0 10,108
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   507,304 2,800 SH   DFND   2,800 0 0
DR HORTON INC COM 23331A109   488,450 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204   262,302 2,719 SH   SOLE   0 0 2,719
ELECTRONIC ARTS INC COM 285512109   240,900 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,207,732 14,581 SH   SOLE   0 0 14,581
ENTEGRIS INC COM 29362U104   1,124,804 13,715 SH   SOLE   0 0 13,715
EXXON MOBIL CORP COM 30231G102   258,050 2,353 SH   SOLE   0 0 2,353
FIRST SEISMIC CORP COM 336397104   2,356 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   331,200 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   55,000 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   97,569 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   3,516,644 43,298 SH   SOLE   0 0 43,298
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   7,191,897 233,427 SH   SOLE   0 0 233,427
GROUP 1 AUTOMOTIVE INC COM 398905109   883,038 3,900 SH   DFND   3,900 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   551,646 1,800 SH   DFND   1,800 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100   210,586 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101   533,360 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107   778 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104   4,957,266 55,888 SH   SOLE   0 0 55,888
INTEL CORP COM 458140100   346,139 10,595 SH   SOLE   0 0 10,595
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   406,460 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   1,674,675 12,775 SH   SOLE   0 0 12,775
INVESCO BULLETSHARES 2023 CO COM 46138J866   7,193,876 341,265 SH   SOLE   0 0 341,265
INVESCO BULLETSHARES 2023 HI COM 46138J858   2,948,195 125,162 SH   SOLE   0 0 125,162
INVESCO BULLETSHARES 2024 CO COM 46138J841   5,615,161 272,713 SH   SOLE   0 0 272,713
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,073,707 92,353 SH   SOLE   0 0 92,353
INVESCO BULLETSHARES 2025 CO COM 46138J825   5,412,014 266,865 SH   SOLE   0 0 266,865
INVESCO BULLETSHARES 2025 HI COM 46138J817   248,179 11,040 SH   SOLE   0 0 11,040
INVESCO BULLETSHARES 2026 CO COM 46138J791   4,509,862 235,379 SH   SOLE   0 0 235,379
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   4,890,308 33,815 SH   SOLE   0 0 33,815
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   3,650,757 12,516 SH   SOLE   0 0 12,516
INVESCO S&P GLOBAL WATER IND COM 46138E263   2,829,555 56,750 SH   SOLE   0 0 56,750
INVESCO VARIABLE RATE PREFER COM 46138G870   2,263,238 102,178 SH   SOLE   0 0 102,178
ISHARES CALIFORNIA MUNI BOND COM 464288356   418,018 7,280 SH   SOLE   0 0 7,280
ISHARES CORE GROWTH ALLOCATI COM 464289867   298,829 5,973 SH   SOLE   0 0 5,973
ISHARES CORE S&P MIDCAP ETF COM 464287507   5,263,741 21,042 SH   SOLE   0 0 21,042
ISHARES FLOATING RATE BOND E COM 46429B655   5,845,068 115,997 SH   SOLE   0 0 115,997
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,422,159 53,049 SH   SOLE   0 0 53,049
ISHARES GLOBAL TECH ETF COM 464287291   3,883,315 71,437 SH   SOLE   0 0 71,437
ISHARES MSCI EAFE ETF COM 464287465   725,717 10,147 SH   SOLE   0 0 10,147
ISHARES MSCI EAFE SMALL-CAP COM 464288273   3,866,332 64,969 SH   SOLE   0 0 64,969
ISHARES MSCI USA MIN VOL FAC COM 46429B697   288,760 3,970 SH   SOLE   0 0 3,970
ISHARES RUSSELL 1000 ETF COM 464287622   4,269,882 18,958 SH   SOLE   0 0 18,958
ISHARES RUSSELL 1000 GROWTH COM 464287614   301,748 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 ETF COM 464287655   1,518,262 8,510 SH   SOLE   0 0 8,510
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,525,184 36,115 SH   SOLE   0 0 36,115
ISHARES SHORT-TERM NATIONAL COM 464288158   652,366 6,232 SH   SOLE   0 0 6,232
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   541,250 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,672,596 87,511 SH   SOLE   0 0 87,511
JOHN HANCOCK MULTI FACT LRG COM 47804J107   1,562,411 30,168 SH   SOLE   0 0 30,168
JOHNSON & JOHNSON COM 478160104   3,182,170 20,530 SH   SOLE   0 0 20,530
JPMORGAN CHASE & CO COM 46625H100   335,809 2,577 SH   SOLE   0 0 2,577
JPMORGAN CHASE & CO COM 46625H100   273,651 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   2,243,664 44,588 SH   SOLE   0 0 44,588
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   142,800 11,900 SH   DFND   11,900 0 0
KVH INDUSTRIES INC COM 482738101   341,400 30,000 SH   DFND   30,000 0 0
LENDLEASE GROUP - SPON ADR ADR 526023205   57,715 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   420,440 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107   427,176 1,700 SH   DFND   1,700 0 0
LIVEVOX HOLDINGS INC COM 53838L100   30,900 10,000 SH   SOLE   0 0 10,000
LOCKHEED MARTIN CORP COM 539830109   2,206,884 4,668 SH   SOLE   0 0 4,668
LOWE'S COS INC COM 548661107   3,228,716 16,146 SH   SOLE   0 0 16,146
LOWE'S COS INC COM 548661107   519,922 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLBL INFR MEGA COM 56064Q107   1,243,514 87,571 SH   SOLE   0 0 87,571
MERCK & CO. INC. COM 58933Y105   614,828 5,779 SH   SOLE   0 0 5,779
META PLATFORMS INC-CLASS A COM 30303M102   286,119 1,350 SH   SOLE   0 0 1,350
METLIFE INC COM 59156R108   1,917,131 33,088 SH   SOLE   0 0 33,088
MICROSOFT CORP COM 594918104   1,452,455 5,038 SH   SOLE   0 0 5,038
MICROSOFT CORP COM 594918104   432,450 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   636,300 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   89,500 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   2,594,786 10,695 SH   SOLE   0 0 10,695
NESTLE SA-SPONS ADR ADR 641069406   578,028 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   510,800 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   618,003 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   272,790 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   508,800 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,088,308 22,699 SH   SOLE   0 0 22,699
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   318,280 2,000 SH   DFND   2,000 0 0
NUVEEN INT DUR MUNI TERM FD COM 670671106   355,615 27,355 SH   SOLE   0 0 27,355
NUVEEN PREFERRED & INCOME SE COM 67072C105   739,799 114,520 SH   SOLE   0 0 114,520
NVIDIA CORP COM 67066G104   403,600 1,453 SH   SOLE   0 0 1,453
NVR INC COM 62944T105   278,610 50 SH   DFND   50 0 0
OLD REPUBLIC INTL CORP COM 680223104   2,306,026 92,352 SH   SOLE   0 0 92,352
ORACLE CORP COM 68389X105   601,322 6,471 SH   SOLE   0 0 6,471
OSISKO GOLD ROYALTIES LTD COM 68827L101   655,328 41,424 SH   SOLE   0 0 41,424
PEARSON PLC-SPONSORED ADR ADR 705015105   167,200 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,587,254 15,992 SH   SOLE   0 0 15,992
PLEXUS CORP COM 729132100   1,434,767 14,705 SH   SOLE   0 0 14,705
PROCTER & GAMBLE CO/THE COM 742718109   261,694 1,760 SH   SOLE   0 0 1,760
PROCTER & GAMBLE CO/THE COM 742718109   460,939 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   786,297 6,163 SH   SOLE   0 0 6,163
RGC RESOURCES INC COM 74955L103   551,922 23,800 SH   SOLE   0 0 23,800
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   430,320 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,519,442 287,280 SH   SOLE   0 0 287,280
ROYCE VALUE TRUST COM 780910105   201,328 14,836 SH   SOLE   0 0 14,836
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771   2,681,754 48,830 SH   SOLE   0 0 48,830
SCHWAB INTL EQUITY ETF COM 808524805   527,608 15,161 SH   SOLE   0 0 15,161
SCHWAB US MID CAP ETF COM 808524508   623,834 9,194 SH   SOLE   0 0 9,194
SCHWAB US SMALL-CAP ETF COM 808524607   595,083 14,192 SH   SOLE   0 0 14,192
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   304,800 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   566,650 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   424,728 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,943,000 150,000 SH   SOLE   0 0 150,000
SONY GROUP CORP - SP ADR ADR 835699307   362,600 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,667,613 56,281 SH   SOLE   0 0 56,281
SPDR S&P 500 ETF TRUST COM 78462F103   677,131 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   632,606 1,380 SH   SOLE   0 0 1,380
STONE RIDGE REIN RSK PR INT COM 861729101   391,250 9,101 SH   SOLE   0 0 9,101
STRYKER CORP COM 863667101   3,916,506 13,720 SH   SOLE   0 0 13,720
SUMMIT MATERIALS INC -CL A COM 86614U100   247,293 8,680 SH   DFND   8,680 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   242,325 4,500 SH   DFND   4,500 0 0
TECNOGLASS INC COM G87264100   1,075,603 25,634 SH   DFND   25,634 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   778,100 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   1,633,428 49,259 SH   SOLE   0 0 49,259
UNILEVER PLC-SPONSORED ADR ADR 904767704   363,510 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   4,903,858 15,359 SH   SOLE   0 0 15,359
VANGUARD ENERGY ETF COM 92204A306   1,671,299 14,631 SH   SOLE   0 0 14,631
VANGUARD FTSE DEVELOPED ETF COM 921943858   8,631,885 191,098 SH   SOLE   0 0 191,098
VANGUARD FTSE EMERGING MARKE COM 922042858   1,070,858 26,506 SH   SOLE   0 0 26,506
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,226,031 11,621 SH   SOLE   0 0 11,621
VANGUARD INFO TECH ETF COM 92204A702   8,977,679 23,290 SH   SOLE   0 0 23,290
VANGUARD S&P 500 ETF COM 922908363   257,098 684 SH   SOLE   0 0 684
VANGUARD S/T CORP BOND ETF COM 92206C409   4,062,754 53,296 SH   SOLE   0 0 53,296
VANGUARD TOTAL STOCK MKT ETF COM 922908769   478,529 2,345 SH   SOLE   0 0 2,345
VERITEX HOLDINGS INC COM 923451108   215,358 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   1,181,430 30,379 SH   SOLE   0 0 30,379
VISA INC-CLASS A SHARES COM 92826C839   912,888 4,049 SH   SOLE   0 0 4,049
VMWARE INC-CLASS A COM 928563402   1,073,211 8,596 SH   SOLE   0 0 8,596
VOYA FINANCIAL INC COM 929089100   3,045,089 42,613 SH   SOLE   0 0 42,613
WALT DISNEY CO/THE COM 254687106   454,023 4,534 SH   SOLE   0 0 4,534
WALT DISNEY CO/THE COM 254687106   300,390 3,000 SH   DFND   3,000 0 0
WASTE MANAGEMENT INC COM 94106L109   870,540 5,335 SH   SOLE   0 0 5,335
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,090,441 243,342 SH   SOLE   0 0 243,342
WESTERN ASSET HI INC OPPORT COM 95766K109   3,695,399 969,921 SH   SOLE   0 0 969,921
WILLIAMS COS INC COM 969457100   1,197,595 40,107 SH   SOLE   0 0 40,107