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 1,678 11,271 SH   SOLE   0 0 11,271
ADAMS DIVERSIFIED EQUITY COM 006212104 3,419 185,425 SH   SOLE   0 0 185,425
ADAMS NATURAL RESOURCES FUND COM 00548F105 1,844 88,116 SH   SOLE   0 0 88,116
ADVENT CONVERT & INCOME COM 00764C109 1,131 72,207 SH   SOLE   0 0 72,207
AIR PRODUCTS & CHEMICALS INC ADR 009158106 1,006 4,024 SH   SOLE   0 0 4,024
ALEXANDRIA REAL ESTATE EQUIT COM 015271109 574 2,850 SH   DFND   2,850 0 0
ALLSTATE CORP COM 020002101 2,834 20,459 SH   SOLE   0 0 20,459
AMCOR PLC COM G0250X107 295 26,000 SH   DFND   26,000 0 0
AMERICA MOVIL-SPN ADR CL L ADR 02364W105 212 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105 608 14,635 SH   SOLE   0 0 14,635
AMERICAN TOWER CORP COM 03027X100 628 2,500 SH   DFND   2,500 0 0
AMERICAN TOWER CORP COM 03027X100 8 33 SH   SOLE   0 0 33
AMGEN INC COM 031162100 3,789 15,668 SH   SOLE   0 0 15,668
AMYRIS INC COM 03236M200 48 11,000 SH   SOLE   0 0 11,000
APPLE INC COM 037833100 1,013 5,800 SH   DFND   5,800 0 0
APPLE INC COM 037833100 328 1,879 SH   SOLE   0 0 1,879
ARES COMMERCIAL REAL ESTATE COM 04013V108 155 10,000 SH   DFND   10,000 0 0
ARKEMA-SPONSORED ADR ADR 041232109 495 4,130 SH   DFND   4,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208 3,526 72,635 SH   SOLE   0 0 72,635
ASTRAZENECA PLC-SPONS ADR ADR 046353108 531 8,000 SH   DFND   8,000 0 0
AUTOMATIC DATA PROCESSING COM 053015103 337 1,483 SH   SOLE   0 0 1,483
BANK OF AMERICA CORP COM 060505104 770 18,684 SH   SOLE   0 0 18,684
BOSTON PROPERTIES INC COM 101121101 316 2,450 SH   DFND   2,450 0 0
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104 118 17,432 SH   DFND   17,432 0 0
BUSHVELD MINERALS LTD COM G1340T106 24 148,261 SH   SOLE   0 0 148,261
CATERPILLAR INC COM 149123101 267 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889 159 30,000 SH   DFND   30,000 0 0
CHASE CORP COM 16150R104 3,044 35,028 SH   SOLE   0 0 35,028
CHEVRON CORP COM 166764100 570 3,500 SH   DFND   3,500 0 0
CHEVRON CORP COM 166764100 43 267 SH   SOLE   0 0 267
CIA CERVECERIAS UNI-SPON ADR ADR 204429104 215 14,401 SH   DFND   14,401 0 0
CISCO SYSTEMS INC COM 17275R102 1,352 24,238 SH   SOLE   0 0 24,238
CMC MATERIALS INC COM 12571T100 1,887 10,176 SH   SOLE   0 0 10,176
COCA-COLA CO/THE COM 191216100 229 3,693 SH   SOLE   0 0 3,693
COMM SERV SELECT SECTOR SPDR COM 81369Y852 881 12,813 SH   SOLE   0 0 12,813
COMMERCIAL INTL BANK-GDR REG COM 201712205 38 16,333 SH   DFND   16,333 0 0
CONSUMER DISCRETIONARY SELT COM 81369Y407 6,507 35,173 SH   SOLE   0 0 35,173
CONSUMER STAPLES SPDR COM 81369Y308 4,217 55,566 SH   SOLE   0 0 55,566
COPA HOLDINGS SA-CLASS A COM P31076105 251 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103 1,981 73,438 SH   SOLE   0 0 73,438
CROWN CASTLE INTL CORP COM 22822V101 369 2,000 SH   DFND   2,000 0 0
CSX CORP COM 126408103 4,291 114,590 SH   SOLE   0 0 114,590
CVS HEALTH CORP COM 126650100 2,035 20,109 SH   SOLE   0 0 20,109
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401 161 44,000 SH   DFND   44,000 0 0
DANSKE BANK A/S - SPON ADR ADR 236363206 123 15,000 SH   DFND   15,000 0 0
DENTSPLY SIRONA INC COM 24906P109 246 5,000 SH   DFND   5,000 0 0
DEVON ENERGY CORP COM 25179M103 595 10,058 SH   SOLE   0 0 10,058
DIAGEO PLC-SPONSORED ADR ADR 25243Q205 569 2,800 SH   DFND   2,800 0 0
DIGITAL REALTY TRUST INC COM 253868103 478 3,368 SH   DFND   3,368 0 0
DR HORTON INC COM 23331A109 373 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204 264 2,362 SH   SOLE   0 0 2,362
ELECTRONIC ARTS INC COM 285512109 253 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506 1,133 14,816 SH   SOLE   0 0 14,816
EVEREST RE GROUP LTD COM G3223R108 3,137 10,409 SH   SOLE   0 0 10,409
EXTRA SPACE STORAGE INC COM 30225T102 514 2,500 SH   DFND   2,500 0 0
FEDEX CORP COM 31428X106 347 1,500 SH   DFND   1,500 0 0
FINANCE OF AMERICA COS INC-A COM 31738L107 91 30,000 SH   DFND   30,000 0 0
FIRST SEISMIC CORP COM 336397104 2 44,451 SH   SOLE   0 0 44,451
FS BANCORP INC COM 30263Y104 268 8,632 SH   DFND   8,632 0 0
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101 498 20,000 SH   DFND   20,000 0 0
GLADSTONE LAND CORP COM 376549101 353 9,700 SH   DFND   9,700 0 0
GLASS HOUSE BRANDS INC COM 377130406 100 20,000 SH   SOLE   0 0 20,000
GLAXOSMITHKLINE PLC-SPON ADR ADR 37733W105 370 8,500 SH   DFND   8,500 0 0
GLOBAL SELF STORAGE INC COM 37955N106 218 39,000 SH   DFND   39,000 0 0
GLOBAL X MSCI NIGERIA ETF COM 37954Y665 105 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 4,359 48,956 SH   SOLE   0 0 48,956
GOLDMAN SACHS ACTIVEBETA INT COM 381430107 7,521 229,794 SH   SOLE   0 0 229,794
GROUP 1 AUTOMOTIVE INC COM 398905109 655 3,900 SH   DFND   3,900 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202 288 1,300 SH   DFND   1,300 0 0
HANNON ARMSTRONG SUSTAINABLE COM 41068X100 360 7,600 SH   DFND   7,600 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100 224 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101 491 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107 2 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104 5,191 58,290 SH   SOLE   0 0 58,290
INTEL CORP COM 458140100 173 3,500 SH   DFND   3,500 0 0
INTEL CORP COM 458140100 66 1,332 SH   SOLE   0 0 1,332
INTERCONTINENTAL HOTELS-ADR ADR 45857P806 420 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101 1,526 11,733 SH   SOLE   0 0 11,733
INVESCO BULLETSHARES 2022 CO COM 46138J882 4,347 204,472 SH   SOLE   0 0 204,472
INVESCO BULLETSHARES 2022 HI COM 46138J874 3,109 135,700 SH   SOLE   0 0 135,700
INVESCO BULLETSHARES 2023 CO COM 46138J866 7,508 355,830 SH   SOLE   0 0 355,830
INVESCO BULLETSHARES 2023 HI COM 46138J858 2,866 116,938 SH   SOLE   0 0 116,938
INVESCO BULLETSHARES 2024 CO COM 46138J841 5,013 237,945 SH   SOLE   0 0 237,945
INVESCO BULLETSHARES 2024 HI COM 46138J833 2,079 87,300 SH   SOLE   0 0 87,300
INVESCO BULLETSHARES 2025 CO COM 46138J825 5,119 244,795 SH   SOLE   0 0 244,795
INVESCO BULLETSHARES 2026 CO COM 46138J791 340 17,042 SH   SOLE   0 0 17,042
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 5,114 32,426 SH   SOLE   0 0 32,426
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332 3,580 11,684 SH   SOLE   0 0 11,684
INVESCO S&P GLOBAL WATER IND COM 46138E263 2,791 53,241 SH   SOLE   0 0 53,241
INVESCO VARIABLE RATE PREFER COM 46138G870 2,059 84,251 SH   SOLE   0 0 84,251
IRON MOUNTAIN INC COM 46284V101 399 7,200 SH   DFND   7,200 0 0
IRSA PROPIEDADES COMERCI-ADR ADR 463588103 35 13,486 SH   DFND   13,486 0 0
ISHARES CALIFORNIA MUNI BOND COM 464288356 466 8,003 SH   SOLE   0 0 8,003
ISHARES CORE MSCI EUROPE ETF COM 46434V738 3,126 58,533 SH   SOLE   0 0 58,533
ISHARES CORE S&P MIDCAP ETF COM 464287507 5,236 19,512 SH   SOLE   0 0 19,512
ISHARES FLOATING RATE BOND E COM 46429B655 5,717 113,159 SH   SOLE   0 0 113,159
ISHARES GLOBAL HEALTHCARE ET COM 464287325 4,437 50,641 SH   SOLE   0 0 50,641
ISHARES GLOBAL TECH ETF COM 464287291 3,921 67,584 SH   SOLE   0 0 67,584
ISHARES MSCI EAFE ETF COM 464287465 867 11,780 SH   SOLE   0 0 11,780
ISHARES MSCI EAFE SMALL-CAP COM 464288273 3,965 59,773 SH   SOLE   0 0 59,773
ISHARES MSCI USA MIN VOL FAC COM 46429B697 244 3,150 SH   SOLE   0 0 3,150
ISHARES RUSSELL 1000 ETF COM 464287622 4,860 19,434 SH   SOLE   0 0 19,434
ISHARES RUSSELL 1000 GROWTH COM 464287614 343 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 ETF COM 464287655 1,757 8,560 SH   SOLE   0 0 8,560
ISHARES RUSSELL MID-CAP ETF COM 464287499 3,016 38,646 SH   SOLE   0 0 38,646
ISHARES SHORT-TERM NATIONAL COM 464288158 761 7,271 SH   SOLE   0 0 7,271
ITOCHU CORP-UNSPONSORED ADR ADR 465717106 230 3,400 SH   DFND   3,400 0 0
JAMES HARDIE IND PLC-SP ADR ADR 47030M106 754 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206 3,410 84,828 SH   SOLE   0 0 84,828
JOHN HANCOCK MULTI FACT LRG COM 47804J107 1,479 26,081 SH   SOLE   0 0 26,081
JOHNSON & JOHNSON COM 478160104 3,062 17,275 SH   SOLE   0 0 17,275
JPMORGAN CHASE & CO COM 46625H100 286 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837 638 12,687 SH   SOLE   0 0 12,687
KAJIMA CORP-UNSPONSORED ADR ADR 483111209 120 10,000 SH   DFND   10,000 0 0
KINGFISHER PLC-SPONS ADR ADR 495724403 67 10,000 SH   DFND   10,000 0 0
KITE REALTY GROUP TRUST COM 49803T300 205 9,000 SH   DFND   9,000 0 0
KVH INDUSTRIES INC COM 482738101 273 30,000 SH   DFND   30,000 0 0
LADDER CAPITAL CORP-REIT COM 505743104 223 18,804 SH   DFND   18,804 0 0
LENDLEASE GROUP - SPON ADR ADR 526023205 101 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104 325 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107 438 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109 1,940 4,395 SH   SOLE   0 0 4,395
LOWE'S COS INC COM 548661107 526 2,600 SH   DFND   2,600 0 0
LOWE'S COS INC COM 548661107 3,376 16,698 SH   SOLE   0 0 16,698
MAINSTAY CBRE GLBL INFR MEGA COM 56064Q107 1,172 61,813 SH   SOLE   0 0 61,813
METLIFE INC COM 59156R108 2,226 31,678 SH   SOLE   0 0 31,678
MICROSOFT CORP COM 594918104 462 1,500 SH   DFND   1,500 0 0
MICROSOFT CORP COM 594918104 940 3,050 SH   SOLE   0 0 3,050
MILLER INDUSTRIES INC/TENN COM 600551204 507 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108 164 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102 2,091 9,936 SH   SOLE   0 0 9,936
NESTLE SA-SPONS ADR ADR 641069406 618 4,750 SH   DFND   4,750 0 0
NESTLE SA-SPONS ADR ADR 641069406 46 350 SH   SOLE   0 0 350
NETAPP INC COM 64110D104 664 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108 591 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109 416 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108 799 2,800 SH   DFND   2,800 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109 1,860 21,191 SH   SOLE   0 0 21,191
NOVO-NORDISK A/S-SPONS ADR ADR 670100205 222 2,000 SH   DFND   2,000 0 0
NUVEEN INT DUR MUNI TERM FD COM 670671106 1,515 109,358 SH   SOLE   0 0 109,358
NUVEEN PREFERRED & INCOME SE COM 67072C105 216 25,690 SH   SOLE   0 0 25,690
NVR INC COM 62944T105 223 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109 2,069 11,178 SH   SOLE   0 0 11,178
OLD REPUBLIC INTL CORP COM 680223104 2,301 88,940 SH   SOLE   0 0 88,940
OSISKO GOLD ROYALTIES LTD COM 68827L101 490 37,162 SH   SOLE   0 0 37,162
PEARSON PLC-SPONSORED ADR ADR 705015105 199 20,000 SH   DFND   20,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833 1,286 12,842 SH   SOLE   0 0 12,842
PLEXUS CORP COM 729132100 1,093 13,355 SH   SOLE   0 0 13,355
PORSCHE AUTOMOBIL-UNSP ADR ADR 73328P106 240 25,000 SH   DFND   25,000 0 0
PROCTER & GAMBLE CO/THE COM 742718109 474 3,100 SH   DFND   3,100 0 0
PROCTER & GAMBLE CO/THE COM 742718109 168 1,100 SH   SOLE   0 0 1,100
PROLOGIS INC COM 74340W103 323 2,000 SH   DFND   2,000 0 0
QUALCOMM INC COM 747525103 858 5,613 SH   SOLE   0 0 5,613
RGC RESOURCES INC COM 74955L103 610 28,529 SH   SOLE   0 0 28,529
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104 593 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104 2,859 271,747 SH   SOLE   0 0 271,747
ROYCE VALUE TRUST COM 780910105 235 13,821 SH   SOLE   0 0 13,821
SBA COMMUNICATIONS CORP COM 78410G104 688 2,000 SH   DFND   2,000 0 0
SBA COMMUNICATIONS CORP COM 78410G104 6 16 SH   SOLE   0 0 16
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771 3,044 52,036 SH   SOLE   0 0 52,036
SCHWAB INTL EQUITY ETF COM 808524805 533 14,514 SH   SOLE   0 0 14,514
SCHWAB US MID CAP ETF COM 808524508 698 9,197 SH   SOLE   0 0 9,197
SCHWAB US SMALL-CAP ETF COM 808524607 666 14,055 SH   SOLE   0 0 14,055
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209 536 33,000 SH   DFND   33,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501 484 7,000 SH   DFND   7,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501 22 320 SH   SOLE   0 0 320
SKYWORKS SOLUTIONS INC COM 83088M102 480 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108 5,771 204,515 SH   SOLE   0 0 204,515
SONY GROUP CORP - SP ADR ADR 835699307 585 5,700 SH   DFND   5,700 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474 1,327 44,040 SH   SOLE   0 0 44,040
SPDR S&P 500 ETF TRUST COM 78462F103 747 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107 677 1,380 SH   SOLE   0 0 1,380
STAG INDUSTRIAL INC COM 85254J102 248 6,000 SH   DFND   6,000 0 0
STANDARD BANK GROUP-SPON ADR ADR 853118206 128 10,200 SH   DFND   10,200 0 0
STORE CAPITAL CORP COM 862121100 222 7,600 SH   DFND   7,600 0 0
STRYKER CORP COM 863667101 3,671 13,730 SH   SOLE   0 0 13,730
SUMMIT MATERIALS INC -CL A COM 86614U100 265 8,535 SH   DFND   8,535 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101 238 3,000 SH   DFND   3,000 0 0
TECNOGLASS INC COM G87264100 647 25,634 SH   DFND   25,634 0 0
TEMPLETON EMERGING MKTS FND COM 880191101 1,835 133,481 SH   SOLE   0 0 133,481
THERMO FISHER SCIENTIFIC INC COM 883556102 856 1,450 SH   DFND   1,450 0 0
UDR INC COM 902653104 571 9,951 SH   SOLE   0 0 9,951
ULTRA CLEAN HOLDINGS INC COM 90385V107 1,874 44,204 SH   SOLE   0 0 44,204
UNILEVER PLC-SPONSORED ADR ADR 904767704 410 9,000 SH   DFND   9,000 0 0
UNILEVER PLC-SPONSORED ADR ADR 904767704 32 700 SH   SOLE   0 0 700
UNITED MICROELECTRON-SP ADR ADR 910873405 201 22,000 SH   DFND   22,000 0 0
VALMONT INDUSTRIES COM 920253101 3,649 15,293 SH   SOLE   0 0 15,293
VANGUARD ENERGY ETF COM 92204A306 1,531 14,305 SH   SOLE   0 0 14,305
VANGUARD FTSE DEVELOPED ETF COM 921943858 8,682 180,759 SH   SOLE   0 0 180,759
VANGUARD FTSE EMERGING MARKE COM 922042858 1,284 27,831 SH   SOLE   0 0 27,831
VANGUARD HIGH DVD YIELD ETF COM 921946406 1,489 13,266 SH   SOLE   0 0 13,266
VANGUARD INFO TECH ETF COM 92204A702 9,490 22,786 SH   SOLE   0 0 22,786
VANGUARD S/T CORP BOND ETF COM 92206C409 3,988 51,069 SH   SOLE   0 0 51,069
VISA INC-CLASS A SHARES COM 92826C839 770 3,474 SH   SOLE   0 0 3,474
VMWARE INC-CLASS A COM 928563402 950 8,339 SH   SOLE   0 0 8,339
VOYA FINANCIAL INC COM 929089100 2,848 42,923 SH   SOLE   0 0 42,923
WALT DISNEY CO/THE COM 254687106 411 3,000 SH   DFND   3,000 0 0
WALT DISNEY CO/THE COM 254687106 45 326 SH   SOLE   0 0 326
WESTERN ASSET GL CORP DEF OP COM 95790C107 3,367 226,577 SH   SOLE   0 0 226,577
WESTERN ASSET HI INC OPPORT COM 95766K109 4,045 904,945 SH   SOLE   0 0 904,945
WILLIAMS COS INC COM 969457100 1,599 47,860 SH   SOLE   0 0 47,860
WP CAREY INC COM 92936U109 361 4,470 SH   DFND   4,470 0 0