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   49,018 142 SH   DFND 1,2 0 142 0
BROOKFIELD REINS LTD CL A EXCH LT VTG G16250105   852 19 SH   DFND 1,2 0 19 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   80,184 1,656 SH   DFND 1,2 0 1,656 0
MEDTRONIC PLC SHS G5960L103   11,189 127 SH   DFND 1,2 0 127 0
FIVERR INTL LTD ORD SHS M4R82T106   104,040 4,000 SH   DFND 1,2 0 4,000 0
AT&T INC COM 00206R102   4,386 275 SH   DFND 1,2 0 275 0
ABBOTT LABS COM 002824100   9,921 91 SH   DFND 1,2 0 91 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   26,405 54 SH   DFND 1,2 0 54 0
ALGONQUIN PWR UTILS CORP COM 015857105   21,791 1,990 SH   DFND 1,2 0 1,990 0
ALPHABET INC CAP STK CL A 02079K305   67,032 560 SH   DFND 1,2 0 560 0
AMAZON COM INC COM 023135106   46,930 360 SH   DFND 1,2 0 360 0
APPLE INC COM 037833100   114,054 588 SH   DFND 1,2 0 588 0
BCE INC COM NEW 05534B760   311,966 5,165 SH   DFND 1,2 0 5,165 0
BRP INC COM SUN VTG 05577W200   94,632 845 SH   DFND 1,2 0 845 0
BANK AMERICA CORP COM 060505104   63,032 2,197 SH   DFND 1,2 0 2,197 0
BANK NOVA SCOTIA HALIFAX COM 064149107   205,601 3,102 SH   DFND 1,2 0 3,102 0
BARRICK GOLD CORP COM 067901108   38,545 1,720 SH   DFND 1,2 0 1,720 0
BECTON DICKINSON & CO COM 075887109   235,497 892 SH   DFND 1,2 0 892 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   262,570 770 SH   DFND 1,2 0 770 0
BROADCOM INC COM 11135F101   24,288 28 SH   DFND 1,2 0 28 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   124,523 2,792 SH   DFND 1,2 0 2,792 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   211,193 3,496 SH   DFND 1,2 0 3,496 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   30,354 702 SH   DFND 1,2 0 702 0
B2GOLD CORP COM 11777Q209   50,410 10,680 SH   DFND 1,2 0 10,680 0
CME GROUP INC COM 12572Q105   20,197 109 SH   DFND 1,2 0 109 0
CANADIAN NAT RES LTD COM 136385101   72,841 978 SH   DFND 1,2 0 978 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   143,380 1,340 SH   DFND 1,2 0 1,340 0
CAPITAL ONE FINL CORP COM 14040H105   10,171 93 SH   DFND 1,2 0 93 0
CATERPILLAR INC COM 149123101   15,009 61 SH   DFND 1,2 0 61 0
CENOVUS ENERGY INC COM 15135U109   16,200 720 SH   DFND 1,2 0 720 0
CENOVUS ENERGY INC *W EXP 01/01/202 15135U117   947 59 SH   DFND 1,2 0 59 0
CHARTER COMMUNICATIONS INC N CL A 16119P108   5,511 15 SH   DFND 1,2 0 15 0
CITIGROUP INC COM NEW 172967424   50,644 1,100 SH   DFND 1,2 0 1,100 0
COCA COLA CO COM 191216100   9,274 154 SH   DFND 1,2 0 154 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107   72,150 555 SH   DFND 1,2 0 555 0
COMCAST CORP NEW CL A 20030N101   8,268 199 SH   DFND 1,2 0 199 0
COSTCO WHSL CORP NEW COM 22160K105   12,921 24 SH   DFND 1,2 0 24 0
DANAHER CORPORATION COM 235851102   10,320 43 SH   DFND 1,2 0 43 0
DIAMONDBACK ENERGY INC COM 25278X109   16,026 122 SH   DFND 1,2 0 122 0
DISNEY WALT CO COM 254687106   7,767 87 SH   DFND 1,2 0 87 0
DOW INC COM 260557103   7,669 144 SH   DFND 1,2 0 144 0
ETF MANAGERS TR PRIME JUNIR SLVR 26924G102   2,204 235 SH   DFND 1,2 0 235 0
EMBECTA CORP COMMON STOCK 29082K105   173 8 SH   DFND 1,2 0 8 0
ENBRIDGE INC COM 29250N105   236,401 4,801 SH   DFND 1,2 0 4,801 0
ENTERGY CORP NEW COM 29364G103   7,011 72 SH   DFND 1,2 0 72 0
ESSEX PPTY TR INC COM 297178105   7,029 30 SH   DFND 1,2 0 30 0
EXXON MOBIL CORP COM 30231G102   67,675 631 SH   DFND 1,2 0 631 0
META PLATFORMS INC CL A 30303M102   41,325 144 SH   DFND 1,2 0 144 0
FIDELITY NATL INFORMATION SV COM 31620M106   9,901 181 SH   DFND 1,2 0 181 0
FIRST REP BK SAN FRANCISCO C COM 33616C100   41 74 SH   DFND 1,2 0 74 0
FIRSTSERVICE CORP NEW COM 33767E202   84,872 416 SH   DFND 1,2 0 416 0
FORD MTR CO DEL COM 345370860   7,081 468 SH   DFND 1,2 0 468 0
FORTIS INC COM 349553107   18,954 332 SH   DFND 1,2 0 332 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   2,193 27 SH   DFND 1,2 0 27 0
GENERAL ELECTRIC CO COM NEW 369604301   8,898 81 SH   DFND 1,2 0 81 0
GENERAL MTRS CO COM 37045V100   5,167 134 SH   DFND 1,2 0 134 0
GILEAD SCIENCES INC COM 375558103   8,555 111 SH   DFND 1,2 0 111 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848   2,339 90 SH   DFND 1,2 0 90 0
HASBRO INC COM 418056107   22,670 350 SH   DFND 1,2 0 350 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   16,800 1,000 SH   DFND 1,2 0 1,000 0
HILTON WORLDWIDE HLDGS INC COM 43300A203   16,593 114 SH   DFND 1,2 0 114 0
HOME DEPOT INC COM 437076102   24,851 80 SH   DFND 1,2 0 80 0
HUDBAY MINERALS INC COM 443628102   37,897 5,968 SH   DFND 1,2 0 5,968 0
INTEL CORP COM 458140100   25,247 755 SH   DFND 1,2 0 755 0
INTUIT COM 461202103   16,495 36 SH   DFND 1,2 0 36 0
ISHARES TR S&P 100 ETF 464287101   23,812 115 SH   DFND 1,2 0 115 0
ISHARES TR CORE S&P500 ETF 464287200   4,434,815 9,950 SH   DFND 1,2 0 9,950 0
ISHARES TR MSCI EAFE ETF 464287465   619,658 8,547 SH   DFND 1,2 0 8,547 0
ISHARES TR RUS 2000 VAL ETF 464287630   702,029 4,986 SH   DFND 1,2 0 4,986 0
ISHARES TR RUS 2000 GRW ETF 464287648   690,125 2,844 SH   DFND 1,2 0 2,844 0
ISHARES TR INTL SEL DIV ETF 464288448   849,669 32,270 SH   DFND 1,2 0 32,270 0
ISHARES TR EAFE VALUE ETF 464288877   6,230,062 127,300 SH   DFND 1,2 0 127,300 0
ISHARES TR EAFE GRWTH ETF 464288885   6,964,930 73,000 SH   DFND 1,2 0 73,000 0
ISHARES TR MSCI EAFE MIN VL 46429B689   13,119,503 194,363 SH   DFND 1,2 0 194,363 0
ISHARES TR MSCI USA MIN VOL 46429B697   15,240,252 205,035 SH   DFND 1,2 0 205,035 0
JPMORGAN CHASE & CO COM 46625H100   32,288 222 SH   DFND 1,2 0 222 0
JOHNSON & JOHNSON COM 478160104   8,110 49 SH   DFND 1,2 0 49 0
MAGNA INTL INC COM 559222401   31,636 423 SH   DFND 1,2 0 423 0
MANULIFE FINL CORP COM 56501R106   76,898 3,071 SH   DFND 1,2 0 3,071 0
MASTERCARD INCORPORATED CL A 57636Q104   25,565 65 SH   DFND 1,2 0 65 0
MCDONALDS CORP COM 580135101   15,816 53 SH   DFND 1,2 0 53 0
MERCK & CO INC COM 58933Y105   15,462 134 SH   DFND 1,2 0 134 0
MICROSOFT CORP COM 594918104   107,270 315 SH   DFND 1,2 0 315 0
MICRON TECHNOLOGY INC COM 595112103   10,792 171 SH   DFND 1,2 0 171 0
NEXTERA ENERGY INC COM 65339F101   7,568 102 SH   DFND 1,2 0 102 0
NORTHROP GRUMMAN CORP COM 666807102   18,688 41 SH   DFND 1,2 0 41 0
NVIDIA CORPORATION COM 67066G104   27,073 64 SH   DFND 1,2 0 64 0
NUTRIEN LTD COM 67077M108   248,473 3,177 SH   DFND 1,2 0 3,177 0
OREILLY AUTOMOTIVE INC COM 67103H107   33,436 35 SH   DFND 1,2 0 35 0
OPEN TEXT CORP COM 683715106   55,486 1,007 SH   DFND 1,2 0 1,007 0
PPG INDS INC COM 693506107   14,089 95 SH   DFND 1,2 0 95 0
PARKER-HANNIFIN CORP COM 701094104   25,743 66 SH   DFND 1,2 0 66 0
PAYPAL HLDGS INC COM 70450Y103   6,740 101 SH   DFND 1,2 0 101 0
PFIZER INC COM 717081103   53,993 1,472 SH   DFND 1,2 0 1,472 0
PROCTER AND GAMBLE CO COM 742718109   18,512 122 SH   DFND 1,2 0 122 0
PROSHARES TR S&P 500 DV ARIST 74348A467   8,736,079 92,661 SH   DFND 1,2 0 92,661 0
QUALCOMM INC COM 747525103   11,666 98 SH   DFND 1,2 0 98 0
RITCHIE BROS AUCTIONEERS COM 767744105   159,000 2,000 SH   DFND 1,2 0 2,000 0
ROGERS COMMUNICATIONS INC CL B 775109200   78,572 1,300 SH   DFND 1,2 0 1,300 0
ROYAL BK CDA COM 780087102   425,487 3,363 SH   DFND 1,2 0 3,363 0
S&P GLOBAL INC COM 78409V104   45,701 114 SH   DFND 1,2 0 114 0
SERVISFIRST BANCSHARES INC COM 81768T108   982 24 SH   DFND 1,2 0 24 0
SHERWIN WILLIAMS CO COM 824348106   18,321 69 SH   DFND 1,2 0 69 0
SIMON PPTY GROUP INC NEW COM 828806109   12,125 105 SH   DFND 1,2 0 105 0
STANLEY BLACK & DECKER INC COM 854502101   6,372 68 SH   DFND 1,2 0 68 0
SUN LIFE FINANCIAL INC. COM 866796105   222,442 3,221 SH   DFND 1,2 0 3,221 0
SUNCOR ENERGY INC NEW COM 867224107   186,683 4,804 SH   DFND 1,2 0 4,804 0
TJX COS INC NEW COM 872540109   30,694 362 SH   DFND 1,2 0 362 0
TMC THE METALS COMPANY INC COM 87261Y106   6,178 3,790 SH   DFND 1,2 0 3,790 0
TC ENERGY CORP COM 87807B107   50,328 940 SH   DFND 1,2 0 940 0
TELUS CORPORATION COM 87971M103   154,680 6,000 SH   DFND 1,2 0 6,000 0
TESLA INC COM 88160R101   10,209 39 SH   DFND 1,2 0 39 0
TEXAS INSTRS INC COM 882508104   18,542 103 SH   DFND 1,2 0 103 0
THERMO FISHER SCIENTIFIC INC COM 883556102   19,305 37 SH   DFND 1,2 0 37 0
THOMSON REUTERS CORP. COM 884903808   422,110 2,360 SH   DFND 1,2 0 2,360 0
TILRAY BRANDS INC COM 88688T100   2,329 1,136 SH   DFND 1,2 0 1,136 0
TORONTO DOMINION BK ONT COM NEW 891160509   620,259 7,554 SH   DFND 1,2 0 7,554 0
TRICON RESIDENTIAL INC COM NPV 89612W102   43,146 3,694 SH   DFND 1,2 0 3,694 0
US BANCORP DEL COM NEW 902973304   82,600 2,500 SH   DFND 1,2 0 2,500 0
ULTA BEAUTY INC COM 90384S303   21,647 46 SH   DFND 1,2 0 46 0
UNION PAC CORP COM 907818108   29,670 145 SH   DFND 1,2 0 145 0
UNITEDHEALTH GROUP INC COM 91324P102   45,180 94 SH   DFND 1,2 0 94 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   2,559 85 SH   DFND 1,2 0 85 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   1,605 45 SH   DFND 1,2 0 45 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,157,397 50,221 SH   DFND 1,2 0 50,221 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   17,481,392 68,800 SH   DFND 1,2 0 68,800 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   21,911,661 140,730 SH   DFND 1,2 0 140,730 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,238,852 30,800 SH   DFND 1,2 0 30,800 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,779,712 28,160 SH   DFND 1,2 0 28,160 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   12,029,405 27,206 SH   DFND 1,2 0 27,206 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,843,104 192,800 SH   DFND 1,2 0 192,800 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   6,811,644 97,700 SH   DFND 1,2 0 97,700 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,820,150 29,500 SH   DFND 1,2 0 29,500 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,959,594 25,900 SH   DFND 1,2 0 25,900 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   781,830 17,000 SH   DFND 1,2 0 17,000 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   4,180,274 65,800 SH   DFND 1,2 0 65,800 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   834,924 2,050 SH   DFND 1,2 0 2,050 0
VIATRIS INC COM 92556V106   1,477 148 SH   DFND 1,2 0 148 0
VISA INC COM CL A 92826C839   20,661 87 SH   DFND 1,2 0 87 0
WABTEC COM 929740108   877 8 SH   DFND 1,2 0 8 0
WALMART INC COM 931142103   46,840 298 SH   DFND 1,2 0 298 0
WARNER BROS DISCOVERY INC COM SER A 934423104   828 66 SH   DFND 1,2 0 66 0
WASTE CONNECTIONS INC COM 94106B101   113,409 599 SH   DFND 1,2 0 599 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,173,047 30,700 SH   DFND 1,2 0 30,700 0
YUM BRANDS INC COM 988498101   11,361 82 SH   DFND 1,2 0 82 0
ZOETIS INC CL A 98978V103   7,922 46 SH   DFND 1,2 0 46 0