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   1,200,680 11,996 SH   SOLE   0 0 11,996
ADAMS DIVERSIFIED EQUITY COM 006212104   3,579,581 212,944 SH   SOLE   0 0 212,944
ADAMS NATURAL RESOURCES FUND COM 00548F105   1,967,859 94,518 SH   SOLE   0 0 94,518
ADVENT CONVERT & INCOME COM 00764C109   1,085,300 92,602 SH   SOLE   0 0 92,602
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,296,965 4,330 SH   SOLE   0 0 4,330
ALLSTATE CORP COM 020002101   2,277,548 20,887 SH   SOLE   0 0 20,887
ALPHABET INC-CL A COM 02079K305   1,231,354 10,287 SH   SOLE   0 0 10,287
ALPHABET INC-CL C COM 02079K107   1,678,822 13,878 SH   SOLE   0 0 13,878
AMAZON.COM INC COM 023135106   1,019,285 7,819 SH   SOLE   0 0 7,819
AMERICA MOVIL SAB DE CV ADR 02390A101   216,400 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   491,913 18,219 SH   SOLE   0 0 18,219
AMGEN INC COM 031162100   3,786,775 17,056 SH   SOLE   0 0 17,056
AMYRIS INC COM 03236M200   11,330 11,000 SH   SOLE   0 0 11,000
ANDRADA MINING LTD COM G012B4107   1,309 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   2,590,275 13,354 SH   SOLE   0 0 13,354
APPLE INC COM 037833100   950,453 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109   294,721 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   3,372,188 71,414 SH   SOLE   0 0 71,414
ASTRAZENECA PLC-SPONS ADR ADR 046353108   536,775 7,500 SH   DFND   7,500 0 0
AUTOMATIC DATA PROCESSING COM 053015103   345,070 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   356,550 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   521,708 18,184 SH   SOLE   0 0 18,184
BERKSHIRE HATHAWAY INC-CL B COM 747545101   481,151 1,411 SH   SOLE   0 0 1,411
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   142,098 27,432 SH   DFND   27,432 0 0
CATERPILLAR INC COM 149123101   295,260 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   212,400 30,000 SH   DFND   30,000 0 0
CHASE CORP COM 16150R104   4,178,659 34,472 SH   SOLE   0 0 34,472
CHEVRON CORP COM 166764100   202,037 1,284 SH   SOLE   0 0 1,284
CHEVRON CORP COM 166764100   550,725 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,422,591 27,495 SH   SOLE   0 0 27,495
COCA-COLA CO/THE COM 191216100   343,969 5,712 SH   SOLE   0 0 5,712
COGNITION THERAPEUTICS INC COM 19243B102   94,192 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   4,573,160 26,931 SH   SOLE   0 0 26,931
CONSUMER STAPLES SPDR COM 81369Y308   4,194,906 56,558 SH   SOLE   0 0 56,558
COPA HOLDINGS SA-CLASS A COM P31076105   331,740 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,257,916 49,720 SH   SOLE   0 0 49,720
CSX CORP COM 126408103   3,824,680 112,161 SH   SOLE   0 0 112,161
CVS HEALTH CORP COM 126650100   1,496,235 21,644 SH   SOLE   0 0 21,644
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   169,400 44,000 SH   DFND   44,000 0 0
DENTSPLY SIRONA INC COM 24906P109   200,100 5,000 SH   DFND   5,000 0 0
DEVON ENERGY CORP COM 25179M103   491,038 10,158 SH   SOLE   0 0 10,158
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   485,744 2,800 SH   DFND   2,800 0 0
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   608,450 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204   244,003 2,719 SH   SOLE   0 0 2,719
ELECTRONIC ARTS INC COM 285512109   259,400 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,092,106 13,455 SH   SOLE   0 0 13,455
ENTEGRIS INC COM 29362U104   1,530,031 13,806 SH   SOLE   0 0 13,806
EVEREST RE GROUP LTD COM G3223R108   3,448,677 10,088 SH   SOLE   0 0 10,088
EXXON MOBIL CORP COM 30231G102   251,946 2,349 SH   SOLE   0 0 2,349
FIRST SEISMIC CORP COM 336397104   18 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   304,800 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   66,000 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   113,220 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   3,751,732 42,975 SH   SOLE   0 0 42,975
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   7,122,618 227,197 SH   SOLE   0 0 227,197
GROUP 1 AUTOMOTIVE INC COM 398905109   929,160 3,600 SH   DFND   3,600 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   499,842 1,800 SH   DFND   1,800 0 0
HDFC BANK LTD-ADR ADR 40415F101   557,600 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   4,287,138 51,871 SH   SOLE   0 0 51,871
INTEL CORP COM 458140100   354,665 10,606 SH   SOLE   0 0 10,606
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   429,956 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   1,829,049 13,669 SH   SOLE   0 0 13,669
INVESCO BULLETSHARES 2023 CO COM 46138J866   1,396,363 65,960 SH   SOLE   0 0 65,960
INVESCO BULLETSHARES 2023 HI COM 46138J858   2,829,081 120,335 SH   SOLE   0 0 120,335
INVESCO BULLETSHARES 2024 CO COM 46138J841   5,513,967 268,059 SH   SOLE   0 0 268,059
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,050,642 91,221 SH   SOLE   0 0 91,221
INVESCO BULLETSHARES 2025 CO COM 46138J825   5,335,834 265,069 SH   SOLE   0 0 265,069
INVESCO BULLETSHARES 2026 CO COM 46138J791   4,321,173 228,090 SH   SOLE   0 0 228,090
INVESCO BULLETSHARES 2026 HI COM 46138J635   892,757 39,156 SH   SOLE   0 0 39,156
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   4,640,985 31,014 SH   SOLE   0 0 31,014
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   3,654,811 12,264 SH   SOLE   0 0 12,264
INVESCO S&P GLOBAL WATER IND COM 46138E263   2,860,812 55,647 SH   SOLE   0 0 55,647
INVESCO VARIABLE RATE PREFER COM 46138G870   2,282,716 102,594 SH   SOLE   0 0 102,594
ISHARES CALIFORNIA MUNI BOND COM 464288356   255,136 4,480 SH   SOLE   0 0 4,480
ISHARES CORE GROWTH ALLOCATI COM 464289867   307,311 5,973 SH   SOLE   0 0 5,973
ISHARES CORE S&P MIDCAP ETF COM 464287507   4,657,166 17,811 SH   SOLE   0 0 17,811
ISHARES FLOATING RATE BOND E COM 46429B655   5,731,125 112,773 SH   SOLE   0 0 112,773
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,237,481 49,859 SH   SOLE   0 0 49,859
ISHARES GLOBAL TECH ETF COM 464287291   4,288,001 68,950 SH   SOLE   0 0 68,950
ISHARES GOLD TRUST COM 464285204   405,712 11,149 SH   SOLE   0 0 11,149
ISHARES MSCI EAFE ETF COM 464287465   540,402 7,454 SH   SOLE   0 0 7,454
ISHARES MSCI EAFE SMALL-CAP COM 464288273   3,594,062 60,937 SH   SOLE   0 0 60,937
ISHARES MSCI USA MIN VOL FAC COM 46429B697   295,409 3,974 SH   SOLE   0 0 3,974
ISHARES RUSSELL 1000 ETF COM 464287622   4,297,977 17,633 SH   SOLE   0 0 17,633
ISHARES RUSSELL 1000 GROWTH COM 464287614   339,847 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 ETF COM 464287655   1,443,770 7,710 SH   SOLE   0 0 7,710
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,497,778 34,202 SH   SOLE   0 0 34,202
ISHARES SHORT-TERM NATIONAL COM 464288158   575,029 5,527 SH   SOLE   0 0 5,527
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   672,250 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,346,615 87,495 SH   SOLE   0 0 87,495
JOHN HANCOCK MULTI FACT LRG COM 47804J107   1,672,673 30,473 SH   SOLE   0 0 30,473
JOHNSON & JOHNSON COM 478160104   3,217,294 19,437 SH   SOLE   0 0 19,437
JPMORGAN CHASE & CO COM 46625H100   368,400 2,533 SH   SOLE   0 0 2,533
JPMORGAN CHASE & CO COM 46625H100   305,424 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   2,118,873 42,259 SH   SOLE   0 0 42,259
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   178,893 11,900 SH   DFND   11,900 0 0
KVH INDUSTRIES INC COM 482738101   274,200 30,000 SH   DFND   30,000 0 0
LENDLEASE GROUP - SPON ADR ADR 526023205   60,757 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   501,240 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107   554,319 1,700 SH   DFND   1,700 0 0
LIVEVOX HOLDINGS INC COM 53838L100   27,500 10,000 SH   SOLE   0 0 10,000
LOCKHEED MARTIN CORP COM 539830109   2,091,701 4,543 SH   SOLE   0 0 4,543
LOWE'S COS INC COM 548661107   3,587,195 15,894 SH   SOLE   0 0 15,894
LOWE'S COS INC COM 548661107   586,820 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLOBAL INFRAST COM 56064Q107   1,209,469 88,282 SH   SOLE   0 0 88,282
MERCK & CO. INC. COM 58933Y105   660,146 5,721 SH   SOLE   0 0 5,721
META PLATFORMS INC-CLASS A COM 30303M102   355,281 1,238 SH   SOLE   0 0 1,238
METLIFE INC COM 59156R108   1,866,344 33,015 SH   SOLE   0 0 33,015
MICROSOFT CORP COM 594918104   1,713,257 5,031 SH   SOLE   0 0 5,031
MICROSOFT CORP COM 594918104   510,810 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   638,460 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   91,750 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   4,299,325 10,346 SH   SOLE   0 0 10,346
NESTLE SA-SPONS ADR ADR 641069406   571,663 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   611,200 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   557,550 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   289,590 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   544,224 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,273,099 22,526 SH   SOLE   0 0 22,526
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   323,660 2,000 SH   DFND   2,000 0 0
NUVEEN PREFERRED & INCOME SE COM 67072C105   876,229 137,340 SH   SOLE   0 0 137,340
NVIDIA CORP COM 67066G104   576,999 1,364 SH   SOLE   0 0 1,364
NVR INC COM 62944T105   317,531 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   2,283,410 11,156 SH   SOLE   0 0 11,156
OLD REPUBLIC INTL CORP COM 680223104   2,238,756 88,945 SH   SOLE   0 0 88,945
ORACLE CORP COM 68389X105   755,031 6,340 SH   SOLE   0 0 6,340
OSISKO GOLD ROYALTIES LTD COM 68827L101   614,597 39,967 SH   SOLE   0 0 39,967
PEARSON PLC-SPONSORED ADR ADR 705015105   167,680 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,499,139 15,027 SH   SOLE   0 0 15,027
PLEXUS CORP COM 729132100   1,416,719 14,421 SH   SOLE   0 0 14,421
PROCTER & GAMBLE CO/THE COM 742718109   235,804 1,554 SH   SOLE   0 0 1,554
PROCTER & GAMBLE CO/THE COM 742718109   470,394 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   738,232 6,202 SH   SOLE   0 0 6,202
RESMED INC COM 761152107   218,500 1,000 SH   DFND   1,000 0 0
RGC RESOURCES INC COM 74955L103   697,344 34,815 SH   SOLE   0 0 34,815
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   458,400 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,470,085 282,295 SH   SOLE   0 0 282,295
ROYCE VALUE TRUST COM 780910105   166,340 12,054 SH   SOLE   0 0 12,054
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771   2,621,806 45,541 SH   SOLE   0 0 45,541
SCHWAB INTL EQUITY ETF COM 808524805   481,664 13,511 SH   SOLE   0 0 13,511
SCHWAB US MID CAP ETF COM 808524508   580,994 8,180 SH   SOLE   0 0 8,180
SCHWAB US SMALL-CAP ETF COM 808524607   555,615 12,685 SH   SOLE   0 0 12,685
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   292,200 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   583,870 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   398,484 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,449,500 150,000 SH   SOLE   0 0 150,000
SONY GROUP CORP - SP ADR ADR 835699307   360,160 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,544,704 52,470 SH   SOLE   0 0 52,470
SPDR S&P 500 ETF TRUST COM 78462F103   733,185 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   660,896 1,380 SH   SOLE   0 0 1,380
STELLAR BANCORP INC COM 858927106   873,711 38,170 SH   SOLE   0 0 38,170
STRYKER CORP COM 863667101   4,066,392 13,329 SH   SOLE   0 0 13,329
SUMMIT MATERIALS INC -CL A COM 86614U100   328,538 8,680 SH   DFND   8,680 0 0
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100   201,840 2,000 SH   DFND   2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   246,645 4,500 SH   DFND   4,500 0 0
TECNOGLASS INC COM G87264100   1,324,252 25,634 SH   DFND   25,634 0 0
TESLA INC COM 88160R101   275,120 1,051 SH   SOLE   0 0 1,051
THERMO FISHER SCIENTIFIC INC COM 883556102   704,363 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   1,805,159 46,936 SH   SOLE   0 0 46,936
UNILEVER PLC-SPONSORED ADR ADR 904767704   364,910 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   4,251,752 14,608 SH   SOLE   0 0 14,608
VANGUARD ENERGY ETF COM 92204A306   1,617,262 14,326 SH   SOLE   0 0 14,326
VANGUARD FTSE DEVELOPED ETF COM 921943858   8,654,556 187,409 SH   SOLE   0 0 187,409
VANGUARD FTSE EMERGING MARKE COM 922042858   915,990 22,517 SH   SOLE   0 0 22,517
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,070,280 10,090 SH   SOLE   0 0 10,090
VANGUARD INFO TECH ETF COM 92204A702   9,537,486 21,570 SH   SOLE   0 0 21,570
VANGUARD S/T CORP BOND ETF COM 92206C409   4,041,606 53,418 SH   SOLE   0 0 53,418
VANGUARD TOTAL STOCK MKT ETF COM 922908769   516,844 2,346 SH   SOLE   0 0 2,346
VERITEX HOLDINGS INC COM 923451108   211,466 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   1,168,282 31,414 SH   SOLE   0 0 31,414
VISA INC-CLASS A SHARES COM 92826C839   580,876 4,293 SH   SOLE   0 0 4,293
VMWARE INC-CLASS A COM 928563402   1,233,866 8,587 SH   SOLE   0 0 8,587
VOYA FINANCIAL INC COM 929089100   2,965,603 41,356 SH   SOLE   0 0 41,356
WALMART DE MEXICO SAB DE CV COM P98180188   39,742 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   418,753 4,690 SH   SOLE   0 0 4,690
WASTE MANAGEMENT INC COM 94106L109   897,333 5,174 SH   SOLE   0 0 5,174
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,169,031 256,394 SH   SOLE   0 0 256,394
WESTERN ASSET HI INC OPPORT COM 95766K109   3,602,526 953,049 SH   SOLE   0 0 953,049
WILLIAMS COS INC COM 969457100   1,309,507 40,132 SH   SOLE   0 0 40,132