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 1,275 11,538 SH   SOLE   0 0 11,538
ADAMS DIVERSIFIED EQUITY COM 006212104 2,832 194,364 SH   SOLE   0 0 194,364
ADAMS NATURAL RESOURCES FUND COM 00548F105 1,745 89,669 SH   SOLE   0 0 89,669
ADVENT CONVERT & INCOME COM 00764C109 795 74,801 SH   SOLE   0 0 74,801
AFRITIN MINING LTD COM G012B4107 1 13,329 SH   SOLE   0 0 13,329
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,005 4,320 SH   SOLE   0 0 4,320
ALLSTATE CORP COM 020002101 2,522 20,249 SH   SOLE   0 0 20,249
ALPHABET INC-CL C COM 02079K107 675 7,016 SH   SOLE   0 0 7,016
AMAZON.COM INC COM 023135106 219 1,940 SH   SOLE   0 0 1,940
AMCOR PLC COM G0250X107 279 26,000 SH   DFND   26,000 0 0
AMERICA MOVIL-SPN ADR CL L ADR 02364W105 165 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105 581 14,635 SH   SOLE   0 0 14,635
AMGEN INC COM 031162100 3,513 15,585 SH   SOLE   0 0 15,585
AMYRIS INC COM 03236M200 32 11,000 SH   SOLE   0 0 11,000
APPLE INC COM 037833100 344 2,491 SH   SOLE   0 0 2,491
APPLE INC COM 037833100 677 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109 231 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208 3,531 73,373 SH   SOLE   0 0 73,373
ASTRAZENECA PLC-SPONS ADR ADR 046353108 439 8,000 SH   DFND   8,000 0 0
AUTOMATIC DATA PROCESSING COM 053015103 355 1,570 SH   SOLE   0 0 1,570
BANK OF AMERICA CORP COM 060505104 564 18,684 SH   SOLE   0 0 18,684
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104 98 17,432 SH   DFND   17,432 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889 103 30,000 SH   DFND   30,000 0 0
CHASE CORP COM 16150R104 2,883 34,496 SH   SOLE   0 0 34,496
CHEVRON CORP COM 166764100 503 3,500 SH   DFND   3,500 0 0
CIA CERVECERIAS UNI-SPON ADR ADR 204429104 155 14,401 SH   DFND   14,401 0 0
CISCO SYSTEMS INC COM 17275R102 1,060 26,503 SH   SOLE   0 0 26,503
COCA-COLA CO/THE COM 191216100 214 3,813 SH   SOLE   0 0 3,813
CONSUMER DISCRETIONARY SELT COM 81369Y407 4,074 28,603 SH   SOLE   0 0 28,603
CONSUMER STAPLES SPDR COM 81369Y308 3,726 55,838 SH   SOLE   0 0 55,838
COPA HOLDINGS SA-CLASS A COM P31076105 201 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103 1,596 61,110 SH   SOLE   0 0 61,110
CSX CORP COM 126408103 2,999 112,574 SH   SOLE   0 0 112,574
CVS HEALTH CORP COM 126650100 1,949 20,432 SH   SOLE   0 0 20,432
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401 150 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103 605 10,058 SH   SOLE   0 0 10,058
DIAGEO PLC-SPONSORED ADR ADR 25243Q205 475 2,800 SH   DFND   2,800 0 0
DR HORTON INC COM 23331A109 337 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204 253 2,719 SH   SOLE   0 0 2,719
ELECTRONIC ARTS INC COM 285512109 231 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506 1,036 14,390 SH   SOLE   0 0 14,390
ENTEGRIS INC COM 29362U104 1,088 13,108 SH   SOLE   0 0 13,108
EVEREST RE GROUP LTD COM G3223R108 2,735 10,421 SH   SOLE   0 0 10,421
FIRST SEISMIC CORP COM 336397104 2 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101 363 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406 45 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665 88 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 3,615 50,904 SH   SOLE   0 0 50,904
GOLDMAN SACHS ACTIVEBETA INT COM 381430107 5,799 234,320 SH   SOLE   0 0 234,320
GROUP 1 AUTOMOTIVE INC COM 398905109 557 3,900 SH   DFND   3,900 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202 255 1,300 SH   DFND   1,300 0 0
GSK PLC-SPON ADR ADR 37733W204 200 6,800 SH   DFND   6,800 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100 219 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101 467 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107 1 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104 4,429 55,912 SH   SOLE   0 0 55,912
INTERCONTINENTAL HOTELS-ADR ADR 45857P806 297 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101 1,452 12,218 SH   SOLE   0 0 12,218
INVESCO BULLETSHARES 2022 CO COM 46138J882 4,058 191,604 SH   SOLE   0 0 191,604
INVESCO BULLETSHARES 2022 HI COM 46138J874 2,904 132,189 SH   SOLE   0 0 132,189
INVESCO BULLETSHARES 2023 CO COM 46138J866 7,195 344,770 SH   SOLE   0 0 344,770
INVESCO BULLETSHARES 2023 HI COM 46138J858 2,749 120,481 SH   SOLE   0 0 120,481
INVESCO BULLETSHARES 2024 CO COM 46138J841 5,246 257,263 SH   SOLE   0 0 257,263
INVESCO BULLETSHARES 2024 HI COM 46138J833 1,981 91,637 SH   SOLE   0 0 91,637
INVESCO BULLETSHARES 2025 CO COM 46138J825 5,036 252,516 SH   SOLE   0 0 252,516
INVESCO BULLETSHARES 2025 HI COM 46138J817 244 11,241 SH   SOLE   0 0 11,241
INVESCO BULLETSHARES 2026 CO COM 46138J791 1,204 64,575 SH   SOLE   0 0 64,575
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 4,180 32,841 SH   SOLE   0 0 32,841
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332 2,976 11,841 SH   SOLE   0 0 11,841
INVESCO S&P GLOBAL WATER IND COM 46138E263 2,247 54,729 SH   SOLE   0 0 54,729
INVESCO VARIABLE RATE PREFER COM 46138G870 1,983 90,531 SH   SOLE   0 0 90,531
ISHARES CALIFORNIA MUNI BOND COM 464288356 398 7,338 SH   SOLE   0 0 7,338
ISHARES CORE S&P MIDCAP ETF COM 464287507 4,288 19,559 SH   SOLE   0 0 19,559
ISHARES FLOATING RATE BOND E COM 46429B655 5,743 114,248 SH   SOLE   0 0 114,248
ISHARES GLOBAL HEALTHCARE ET COM 464287325 3,882 51,522 SH   SOLE   0 0 51,522
ISHARES GLOBAL TECH ETF COM 464287291 2,912 69,030 SH   SOLE   0 0 69,030
ISHARES MSCI EAFE ETF COM 464287465 669 11,939 SH   SOLE   0 0 11,939
ISHARES MSCI EAFE SMALL-CAP COM 464288273 3,036 62,242 SH   SOLE   0 0 62,242
ISHARES MSCI USA MIN VOL FAC COM 46429B697 209 3,159 SH   SOLE   0 0 3,159
ISHARES RUSSELL 1000 ETF COM 464287622 3,855 19,538 SH   SOLE   0 0 19,538
ISHARES RUSSELL 1000 GROWTH COM 464287614 260 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 ETF COM 464287655 1,433 8,689 SH   SOLE   0 0 8,689
ISHARES RUSSELL MID-CAP ETF COM 464287499 2,423 38,988 SH   SOLE   0 0 38,988
ISHARES SHORT-TERM NATIONAL COM 464288158 707 6,885 SH   SOLE   0 0 6,885
JAMES HARDIE IND PLC-SP ADR ADR 47030M106 495 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206 2,684 85,030 SH   SOLE   0 0 85,030
JOHN HANCOCK MULTI FACT LRG COM 47804J107 1,314 28,934 SH   SOLE   0 0 28,934
JOHNSON & JOHNSON COM 478160104 2,849 17,438 SH   SOLE   0 0 17,438
JPMORGAN CHASE & CO COM 46625H100 219 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837 2,292 45,686 SH   SOLE   0 0 45,686
KAJIMA CORP-UNSPONSORED ADR ADR 483111209 92 10,000 SH   DFND   10,000 0 0
KVH INDUSTRIES INC COM 482738101 277 30,000 SH   DFND   30,000 0 0
LENDLEASE GROUP - SPON ADR ADR 526023205 70 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104 298 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107 379 1,700 SH   DFND   1,700 0 0
LIVEVOX HOLDINGS INC COM 53838L100 30 10,000 SH   SOLE   0 0 10,000
LOCKHEED MARTIN CORP COM 539830109 1,691 4,378 SH   SOLE   0 0 4,378
LOWE'S COS INC COM 548661107 3,162 16,837 SH   SOLE   0 0 16,837
LOWE'S COS INC COM 548661107 488 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLBL INFR MEGA COM 56064Q107 980 79,290 SH   SOLE   0 0 79,290
METLIFE INC COM 59156R108 1,936 31,850 SH   SOLE   0 0 31,850
MICROSOFT CORP COM 594918104 879 3,774 SH   SOLE   0 0 3,774
MICROSOFT CORP COM 594918104 349 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204 383 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108 82 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102 1,755 10,274 SH   SOLE   0 0 10,274
NESTLE SA-SPONS ADR ADR 641069406 511 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104 495 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108 508 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109 294 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108 503 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109 1,676 22,056 SH   SOLE   0 0 22,056
NUVEEN INT DUR MUNI TERM FD COM 670671106 1,277 103,224 SH   SOLE   0 0 103,224
NUVEEN PREFERRED & INCOME SE COM 67072C105 529 80,592 SH   SOLE   0 0 80,592
NXP SEMICONDUCTORS NV COM N6596X109 1,665 11,288 SH   SOLE   0 0 11,288
OLD REPUBLIC INTL CORP COM 680223104 1,874 89,543 SH   SOLE   0 0 89,543
OSISKO GOLD ROYALTIES LTD COM 68827L101 402 39,506 SH   SOLE   0 0 39,506
PEARSON PLC-SPONSORED ADR ADR 705015105 191 20,000 SH   DFND   20,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833 1,576 15,946 SH   SOLE   0 0 15,946
PLEXUS CORP COM 729132100 1,239 14,151 SH   SOLE   0 0 14,151
PORSCHE AUTOMOBIL-UNSP ADR ADR 73328P106 139 25,000 SH   DFND   25,000 0 0
PROCTER & GAMBLE CO/THE COM 742718109 391 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103 689 6,094 SH   SOLE   0 0 6,094
RGC RESOURCES INC COM 74955L103 533 25,300 SH   SOLE   0 0 25,300
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104 487 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104 2,231 281,379 SH   SOLE   0 0 281,379
ROYCE VALUE TRUST COM 780910105 180 14,348 SH   SOLE   0 0 14,348
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771 2,408 50,415 SH   SOLE   0 0 50,415
SCHWAB INTL EQUITY ETF COM 808524805 417 14,817 SH   SOLE   0 0 14,817
SCHWAB US MID CAP ETF COM 808524508 557 9,209 SH   SOLE   0 0 9,209
SCHWAB US SMALL-CAP ETF COM 808524607 533 14,092 SH   SOLE   0 0 14,092
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209 285 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501 343 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 307 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108 2,843 204,515 SH   SOLE   0 0 204,515
SONY GROUP CORP - SP ADR ADR 835699307 320 5,000 SH   DFND   5,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474 1,694 57,971 SH   SOLE   0 0 57,971
SPDR S&P 500 ETF TRUST COM 78462F103 591 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107 554 1,380 SH   SOLE   0 0 1,380
STANDARD BANK GROUP-SPON ADR ADR 853118206 80 10,200 SH   DFND   10,200 0 0
STONE RIDGE REIN RSK PR INT COM 861729101 702 18,871 SH   SOLE   0 0 18,871
STRYKER CORP COM 863667101 2,748 13,569 SH   SOLE   0 0 13,569
SUMMIT MATERIALS INC -CL A COM 86614U100 204 8,535 SH   DFND   8,535 0 0
TECNOGLASS INC COM G87264100 538 25,634 SH   DFND   25,634 0 0
TEMPLETON EMERGING MKTS FND COM 880191101 1,390 134,039 SH   SOLE   0 0 134,039
THERMO FISHER SCIENTIFIC INC COM 883556102 685 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107 1,208 46,929 SH   SOLE   0 0 46,929
UNILEVER PLC-SPONSORED ADR ADR 904767704 395 9,000 SH   DFND   9,000 0 0
UNITED MICROELECTRON-SP ADR ADR 910873405 123 22,000 SH   DFND   22,000 0 0
VALMONT INDUSTRIES COM 920253101 4,046 15,064 SH   SOLE   0 0 15,064
VANGUARD ENERGY ETF COM 92204A306 1,470 14,472 SH   SOLE   0 0 14,472
VANGUARD FTSE DEVELOPED ETF COM 921943858 6,791 186,778 SH   SOLE   0 0 186,778
VANGUARD FTSE EMERGING MARKE COM 922042858 1,062 29,106 SH   SOLE   0 0 29,106
VANGUARD HIGH DVD YIELD ETF COM 921946406 1,281 13,501 SH   SOLE   0 0 13,501
VANGUARD INFO TECH ETF COM 92204A702 7,042 22,910 SH   SOLE   0 0 22,910
VANGUARD S/T CORP BOND ETF COM 92206C409 3,722 50,110 SH   SOLE   0 0 50,110
VERIZON COMMUNICATIONS INC COM 92343V104 1,027 27,044 SH   SOLE   0 0 27,044
VISA INC-CLASS A SHARES COM 92826C839 435 2,446 SH   SOLE   0 0 2,446
VMWARE INC-CLASS A COM 928563402 883 8,291 SH   SOLE   0 0 8,291
VOYA FINANCIAL INC COM 929089100 2,559 42,293 SH   SOLE   0 0 42,293
WALT DISNEY CO/THE COM 254687106 283 3,000 SH   DFND   3,000 0 0
WASTE MANAGEMENT INC COM 94106L109 691 4,314 SH   SOLE   0 0 4,314
WESTERN ASSET GL CORP DEF OP COM 95790C107 2,592 232,493 SH   SOLE   0 0 232,493
WESTERN ASSET HI INC OPPORT COM 95766K109 3,352 910,992 SH   SOLE   0 0 910,992
WILLIAMS COS INC COM 969457100 1,372 47,917 SH   SOLE   0 0 47,917