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
3M CO COM 88579Y101 1,475 11,397 SH   SOLE   0 0 11,397
ADAMS DIVERSIFIED EQUITY FUND COM 006212104 2,932 191,113 SH   SOLE   0 0 191,113
ADAMS NATURAL RESOURCES COM 00548F105 1,730 88,856 SH   SOLE   0 0 88,856
ADVENT CONVERTIBLE & INCOME FUND COM 00764C109 877 72,793 SH   SOLE   0 0 72,793
AFRITIN MINING LTD ORDF COM G012B4107 1 13,329 SH   SOLE   0 0 13,329
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,006 4,182 SH   SOLE   0 0 4,182
ALEXANDRIA REAL COM 015271109 413 2,850 SH   DFND   2,850 0 0
ALLSTATE CORP COM 020002101 2,550 20,123 SH   SOLE   0 0 20,123
AMCOR PLC COM G0250X107 323 26,000 SH   DFND   26,000 0 0
AMERICA MO-ADR L ADR 02364W105 204 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105 585 14,635 SH   SOLE   0 0 14,635
AMERICAN TOWER-A COM 03027X100 639 2,500 SH   DFND   2,500 0 0
AMGEN INC COM 031162100 3,764 15,470 SH   SOLE   0 0 15,470
AMYRIS INC COM 03236M200 20 11,000 SH   SOLE   0 0 11,000
APPLE INC COM 037833100 257 1,879 SH   SOLE   0 0 1,879
APPLE INC COM 037833100 711 5,200 SH   DFND   5,200 0 0
ARES COMM REAL ESTATE COM 04013V108 122 10,000 SH   DFND   10,000 0 0
ARKEMA SA - ADR ADR 041232109 368 4,130 SH   DFND   4,130 0 0
ARTESIAN RESOURCE CORP COM 043113208 3,554 72,276 SH   SOLE   0 0 72,276
ASTRAZENECA-ADR ADR 046353108 529 8,000 SH   DFND   8,000 0 0
AUTOMATIC DATA PROCESSING COM 053015103 311 1,483 SH   SOLE   0 0 1,483
BANK OF AMERICA CORPORATION COM 060505104 582 18,684 SH   SOLE   0 0 18,684
BOSTON PROPERTIE COM 101121101 218 2,450 SH   DFND   2,450 0 0
BRASILAGRO-CIA BRA ADR 10554B104 83 17,432 SH   DFND   17,432 0 0
BUSHVELD MINERALS LTD ORD GBP COM G1340T106 12 148,261 SH   SOLE   0 0 148,261
CABOT MICROELECTRONICS CORP COM 12571T100 1,712 9,814 SH   SOLE   0 0 9,814
CATERPILLAR INC COM 149123101 215 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SP ADR ADR 151290889 118 30,000 SH   DFND   30,000 0 0
CHASE CORP COM 16150R104 2,671 34,333 SH   SOLE   0 0 34,333
CHEVRON CORP COM 166764100 507 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102 1,083 25,388 SH   SOLE   0 0 25,388
COCA-COLA CO COM 191216100 233 3,703 SH   SOLE   0 0 3,703
COMPANIA CERVECERIAS -ADR ADR 204429104 182 14,401 SH   DFND   14,401 0 0
CONSUMER DISCRET SEL SECT SPDR(R) ETF COM 81369Y407 4,329 31,491 SH   SOLE   0 0 31,491
CONSUMER STAPLES SELECT SECTOR SPDR(R) ETF COM 81369Y308 3,978 55,108 SH   SOLE   0 0 55,108
COTERRA ENERGY INC. COM 127097103 1,573 61,008 SH   SOLE   0 0 61,008
CRESCENT ACQUISITION CORP CLASS A COM 53838L100 17 10,000 SH   SOLE   0 0 10,000
CROWN CASTLE INT COM 22822V101 337 2,000 SH   DFND   2,000 0 0
CSX CORP COM 126408103 3,260 112,191 SH   SOLE   0 0 112,191
CVS HEALTH CORP COM 126650100 1,881 20,305 SH   SOLE   0 0 20,305
CYRELA BRAZIL REALTY ADR 23282C401 100 44,000 SH   DFND   44,000 0 0
DANSKE BANK A/S - ADR ADR 236363206 106 15,000 SH   DFND   15,000 0 0
DEVON ENERGY CORP COM 25179M103 554 10,058 SH   SOLE   0 0 10,058
DIAGEO PLC-ADR ADR 25243Q205 488 2,800 SH   DFND   2,800 0 0
DIGITAL REALTY COM 253868103 437 3,368 SH   DFND   3,368 0 0
DR HORTON INC COM 23331A109 331 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORPORATION COM 26441C204 288 2,686 SH   SOLE   0 0 2,686
ELECTRONIC ARTS COM 285512109 243 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR(R) ETF COM 81369Y506 1,019 14,250 SH   SOLE   0 0 14,250
EVEREST RE GROUP LTD COM G3223R108 2,893 10,323 SH   SOLE   0 0 10,323
EXTRA SPACE STOR COM 30225T102 425 2,500 SH   DFND   2,500 0 0
FIRST SEISMIC CORP COM 336397104 1 44,451 SH   SOLE   0 0 44,451
FS BANCORP INC COM 30263Y104 248 8,632 SH   DFND   8,632 0 0
GJENSIDIGE FORSIKRING ADR 37636X101 415 20,000 SH   DFND   20,000 0 0
GLADSTONE LAND CORP COM 376549101 215 9,700 SH   DFND   9,700 0 0
GLASS HOUSE BRANDS INC COM 377130406 55 20,000 SH   SOLE   0 0 20,000
GLAXOSMITHKL-ADR ADR 37733W105 370 8,500 SH   DFND   8,500 0 0
GLOBAL SELF STORAGE INC COM 37955N106 220 39,000 SH   DFND   39,000 0 0
GLOBAL X MSCI NIGERIA ETF COM 37954Y665 99 11,100 SH   DFND   11,100 0 0
GOLDMAN SACHS ACTIVEBETA(R) INTL EQ ETF COM 381430107 6,481 233,398 SH   SOLE   0 0 233,398
GOLDMAN SACHS ACTIVEBETA(R) US LGCP EQ ETF COM 381430503 3,784 50,495 SH   SOLE   0 0 50,495
GROUP 1 AUTOMOTI COM 398905109 662 3,900 SH   DFND   3,900 0 0
GRUPO AEROPORTUARIO - ADR ADR 40051E202 255 1,300 SH   DFND   1,300 0 0
HANNON ARMSTRONG COM 41068X100 288 7,600 SH   DFND   7,600 0 0
HARLEYSVILLE FINANCIAL COM 41284E100 226 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD - ADR ADR 40415F101 440 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS ORD COM 423821107 1 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC COM 457030104 4,828 55,652 SH   SOLE   0 0 55,652
INTERCONTINENTAL HOTELS ADR 45857P806 330 6,103 SH   DFND   6,103 0 0
INTERNATIONAL BUSINESS MACHINES CORP COM 459200101 1,713 12,133 SH   SOLE   0 0 12,133
INVESCO BULLETSHARES 2022 CORP ETF COM 46138J882 4,092 193,103 SH   SOLE   0 0 193,103
INVESCO BULLETSHARES 2022 HY CORP ETF COM 46138J874 2,901 131,563 SH   SOLE   0 0 131,563
INVESCO BULLETSHARES 2023 CORP BD ETF COM 46138J866 7,260 346,535 SH   SOLE   0 0 346,535
INVESCO BULLETSHARES 2023 HY CORP BD ETF COM 46138J858 2,708 118,042 SH   SOLE   0 0 118,042
INVESCO BULLETSHARES 2024 CORP BD ETF COM 46138J841 5,306 255,829 SH   SOLE   0 0 255,829
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BON COM 46138J833 1,949 89,424 SH   SOLE   0 0 89,424
INVESCO BULLETSHARES 2025 CORP BD ETF COM 46138J825 5,121 250,535 SH   SOLE   0 0 250,535
INVESCO BULLETSHARES 2025 HIGH YIELD COM 46138J817 206 9,379 SH   SOLE   0 0 9,379
INVESCO BULLETSHARES 2026 CORP BD ETF COM 46138J791 1,065 55,254 SH   SOLE   0 0 55,254
INVESCO S&P 500(R) EQ WEIGHT HC ETF COM 46137V332 3,112 11,619 SH   SOLE   0 0 11,619
INVESCO S&P 500(R) EQUAL WEIGHT ETF COM 46137V357 4,366 32,530 SH   SOLE   0 0 32,530
INVESCO S&P GLOBAL WATER INDEX ETF COM 46138E263 2,389 54,126 SH   SOLE   0 0 54,126
INVESCO VARIABLE RATE PREFERRED ETF COM 46138G870 1,970 88,770 SH   SOLE   0 0 88,770
IRON MOUNTAIN INC. COM 46284V101 351 7,200 SH   DFND   7,200 0 0
ISHARES CALI AMT-FREE MUNI BOND COM 464288356 436 7,724 SH   SOLE   0 0 7,724
ISHARES CORE MSCI EUROPE ETF COM 46434V738 2,501 55,626 SH   SOLE   0 0 55,626
ISHARES CORE S&P MID-CAP COM 464287507 4,377 19,345 SH   SOLE   0 0 19,345
ISHARES FLOATING RATE BOND COM 46429B655 5,713 114,452 SH   SOLE   0 0 114,452
ISHARES GLOBAL HEALTHCARE COM 464287325 4,122 50,807 SH   SOLE   0 0 50,807
ISHARES GLOBAL TECH ETF COM 464287291 3,089 67,584 SH   SOLE   0 0 67,584
ISHARES MSCI EAFE COM 464287465 742 11,882 SH   SOLE   0 0 11,882
ISHARES MSCI EAFE SMALL-CAP COM 464288273 3,337 61,137 SH   SOLE   0 0 61,137
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 221 3,153 SH   SOLE   0 0 3,153
ISHARES RUSSELL 1000 COM 464287622 4,142 19,938 SH   SOLE   0 0 19,938
ISHARES RUSSELL 1000 GROWTH COM 464287614 270 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 COM 464287655 1,481 8,745 SH   SOLE   0 0 8,745
ISHARES RUSSELL MID-CAP COM 464287499 2,564 39,653 SH   SOLE   0 0 39,653
ISHARES SHORT-TERM NATIONAL MUNI BOND COM 464288158 743 7,095 SH   SOLE   0 0 7,095
JAMES HARDIE IND PLC ADR ADR 47030M106 549 25,000 SH   DFND   25,000 0 0
JH FINANCIAL OPPORTUNITIES COMMON COM 409735206 3,153 84,918 SH   SOLE   0 0 84,918
JHANCOCK MULTIFACTOR LARGE CAP ETF COM 47804J107 1,347 28,243 SH   SOLE   0 0 28,243
JOHNSON & JOHNSON COM 478160104 3,079 17,346 SH   SOLE   0 0 17,346
JPMORGAN CHASE COM 46625H100 236 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641Q837 2,218 44,274 SH   SOLE   0 0 44,274
KAJIMA CORP - ADR ADR 483111209 114 10,000 SH   DFND   10,000 0 0
KVH INDUSTRIES COM 482738101 261 30,000 SH   DFND   30,000 0 0
LADDER CAPITAL CORP COM 505743104 293 27,804 SH   DFND   27,804 0 0
LEND LEASE CORP LTD - ADR ADR 526023205 74 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104 282 4,000 SH   DFND   4,000 0 0
LENNOX INTL INC COM 526107107 351 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109 1,854 4,311 SH   SOLE   0 0 4,311
LOWE S COMPANIES INC COM 548661107 2,934 16,800 SH   SOLE   0 0 16,800
LOWE'S COS INC COM 548661107 454 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLBL INFRASTRUCTURE MEGATRENDS FUND COM 56064Q107 1,229 77,362 SH   SOLE   0 0 77,362
METLIFE INC COM 59156R108 1,983 31,578 SH   SOLE   0 0 31,578
MICROSOFT CORP COM 594918104 835 3,252 SH   SOLE   0 0 3,252
MICROSOFT CORP COM 594918104 385 1,500 SH   DFND   1,500 0 0
MILLER IND INC/TENN COM 600551204 408 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD - ADR ADR 62474M108 100 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE INSURANCE COM 638517102 2,060 10,161 SH   SOLE   0 0 10,161
NESTLE-ADR (REG) ADR 641069406 553 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104 522 8,000 SH   DFND   8,000 0 0
NICE SYSTEMS-ADR ADR 653656108 520 2,700 SH   DFND   2,700 0 0
NIDEC CORP-ADR ADR 654090109 325 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN COM 655844108 591 2,600 SH   DFND   2,600 0 0
NOVARTIS AG ADR 66987V109 1,817 21,501 SH   SOLE   0 0 21,501
NOVO-NORDISK-ADR ADR 670100205 223 2,000 SH   DFND   2,000 0 0
NUVEEN INTERMEDIATE DURATION MUNI TERM COM 670671106 1,400 107,674 SH   SOLE   0 0 107,674
NUVEEN QUALITY PREFERRED INC 2 COM 67072C105 490 67,543 SH   SOLE   0 0 67,543
NVR INC COM 62944T105 200 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109 1,670 11,282 SH   SOLE   0 0 11,282
OLD REPUBLIC INTERNATIONAL CORP COM 680223104 1,986 88,814 SH   SOLE   0 0 88,814
OSISKO GOLD ROYALTIES LTD COM 68827L101 394 38,988 SH   SOLE   0 0 38,988
PEARSON PLC ADR 705015105 184 20,000 SH   DFND   20,000 0 0
PIMCO ENHANCED SHORT MATURITY ETF COM 72201R833 1,467 14,804 SH   SOLE   0 0 14,804
PLEXUS CORP COM 729132100 1,103 14,053 SH   SOLE   0 0 14,053
PORSCHE AUTOMOBIL HLDG ADR 73328P106 165 25,000 SH   DFND   25,000 0 0
PROCTER & GAMBLE COM 742718109 446 3,100 SH   DFND   3,100 0 0
PROLOGIS INC COM 74340W103 235 2,000 SH   DFND   2,000 0 0
QUALCOMM INC COM 747525103 730 5,711 SH   SOLE   0 0 5,711
RGC RESOURCES COM 74955L103 482 25,300 SH   SOLE   0 0 25,300
ROCHE HLDGS-ADR ADR 771195104 501 12,000 SH   DFND   12,000 0 0
ROYCE MICRO CAP TRUST COMMON COM 780915104 2,321 277,594 SH   SOLE   0 0 277,594
ROYCE VALUE TRUST COMMON COM 780910105 197 14,099 SH   SOLE   0 0 14,099
SBA COMMUNICATIONS CORP COM 78410G104 640 2,000 SH   DFND   2,000 0 0
SCHWAB FUNDAMENTAL US LARGE COMPANY ETF COM 808524771 2,637 51,798 SH   SOLE   0 0 51,798
SCHWAB INTERNATIONAL EQUITY ETFA(TM) COM 808524805 466 14,817 SH   SOLE   0 0 14,817
SCHWAB US MID-CAP ETFA(TM) COM 808524508 576 9,186 SH   SOLE   0 0 9,186
SCHWAB US SMALL-CAP ETFA(TM) COM 808524607 548 14,067 SH   SOLE   0 0 14,067
SHOPRITE HOLDINGS - ADR ADR 82510E209 286 24,000 SH   DFND   24,000 0 0
SIEMENS AG-ADR ADR 826197501 358 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIO COM 83088M102 334 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108 3,689 204,515 SH   SOLE   0 0 204,515
SONY GROUP CORP ADR 835699307 409 5,000 SH   DFND   5,000 0 0
SPDR(R) BLMBG BARCLAYS ST CORP BD ETF COM 78464A474 1,566 52,679 SH   SOLE   0 0 52,679
SPDR(R) S&P 500 ETF COM 78462F103 624 1,654 SH   SOLE   0 0 1,654
SPDR(R) S&P MIDCAP 400 ETF COM 78467Y107 571 1,380 SH   SOLE   0 0 1,380
STANDARD BANK GROUP - ADR ADR 853118206 98 10,200 SH   DFND   10,200 0 0
STRYKER CORPORATION COM 863667101 2,681 13,475 SH   SOLE   0 0 13,475
TECNOGLASS INC COM G87264100 450 25,634 SH   DFND   25,634 0 0
TEMPLETON EMERGING MARKETS COM 880191101 1,608 134,216 SH   SOLE   0 0 134,216
THERMO FISHER COM 883556102 788 1,450 SH   DFND   1,450 0 0
UDR INC COM 902653104 458 9,951 SH   SOLE   0 0 9,951
ULTRA CLEAN HOLDINGS INC COM 90385V107 1,389 46,655 SH   SOLE   0 0 46,655
UNILEVER PLC-ADR ADR 904767704 412 9,000 SH   DFND   9,000 0 0
UNITED MICROELECTRON ADR 910873405 149 22,000 SH   DFND   22,000 0 0
VALMONT INDUSTRIES INC COM 920253101 3,366 14,982 SH   SOLE   0 0 14,982
VANGUARD ENERGY ETF COM 92204A306 1,427 14,345 SH   SOLE   0 0 14,345
VANGUARD FTSE DEVELOPED MARKETS ETF COM 921943858 7,623 186,829 SH   SOLE   0 0 186,829
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 1,181 28,358 SH   SOLE   0 0 28,358
VANGUARD HIGH DIVIDEND YIELD ETF COM 921946406 1,358 13,355 SH   SOLE   0 0 13,355
VANGUARD INFORMATION TECHNOLOGY ETF COM 92204A702 7,373 22,580 SH   SOLE   0 0 22,580
VANGUARD SHORT-TERM CORPORATE BOND ETF COM 92206C409 3,759 49,289 SH   SOLE   0 0 49,289
VERIZON COMMUNICATIONS INC COM 92343V104 1,359 26,774 SH   SOLE   0 0 26,774
VISA INC CLASS A COM 92826C839 503 2,553 SH   SOLE   0 0 2,553
VMWARE INC COM 928563402 944 8,279 SH   SOLE   0 0 8,279
VOYA FINANCIAL INC COM 929089100 2,503 42,039 SH   SOLE   0 0 42,039
WALT DISNEY CO COM 254687106 283 3,000 SH   DFND   3,000 0 0
WASTE MANAGEMENT INC COM 94106L109 646 4,223 SH   SOLE   0 0 4,223
WESTERN ASSET GLB CORP DEF OPP COMMON COM 95790C107 3,142 231,560 SH   SOLE   0 0 231,560
WESTERN ASSET HIGH INCOME OPP COM 95766K109 3,612 912,189 SH   SOLE   0 0 912,189
WILLIAMS COMPANIES INC COM 969457100 1,494 47,860 SH   SOLE   0 0 47,860
WP CAREY INC COM 92936U109 370 4,470 SH   DFND   4,470 0 0