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
Abbott Laboratories COM 002824100   10,293 91 SH   DFND 1,2 0 91 0
Adobe Inc. COM 00724F101   24,013 54 SH   DFND 1,2 0 54 0
Algonquin Power & Utilities Corp. COM 015857105   896 202 SH   DFND 1,2 0 202 0
Alphabet Inc. Class A COM 02079K305   106,008 560 SH   DFND 1,2 0 560 0
Amazon.Com Inc. COM 023135106   78,980 360 SH   DFND 1,2 0 360 0
Amplify Junior Silver Miners ETF COM 032108649   2,334 235 SH   DFND 1,2 0 235 0
Aon PLC COM G0403H108   51,001 142 SH   DFND 1,2 0 142 0
Apple Inc. COM 037833100   147,247 588 SH   DFND 1,2 0 588 0
B2Gold Corporation COM 11777Q209   26,137 10,680 SH   DFND 1,2 0 10,680 0
BCE Inc. COM 05534B760   112,723 4,866 SH   DFND 1,2 0 4,866 0
BRP Inc. Sub-vtg COM 05577W200   43,009 845 SH   DFND 1,2 0 845 0
Bank of America Corp. COM 060505104   39,423 897 SH   DFND 1,2 0 897 0
Barrick Gold Corporation COM 067901108   26,655 1,720 SH   DFND 1,2 0 1,720 0
Becton Dickinson & Co. COM 075887109   9,529 42 SH   DFND 1,2 0 42 0
Berkshire Hathaway Inc. COM 084670702   77,058 170 SH   DFND 1,2 0 170 0
Broadcom Inc. COM 11135F101   64,915 280 SH   DFND 1,2 0 280 0
Brookfield Asset Management Inc. COM 113004105   38,483 710 SH   DFND 1,2 0 710 0
Brookfield Corp Voting Class A COM 11271J107   160,662 2,797 SH   DFND 1,2 0 2,797 0
Brookfield Infrastructure Partners L.P. COM G16252101   52,592 1,656 SH   DFND 1,2 0 1,656 0
Brookfield Wealth Solutions Class A COM G17434104   1,092 19 SH   DFND 1,2 0 19 0
CME Group Inc. Class A COM 12572Q105   25,313 109 SH   DFND 1,2 0 109 0
Canadian Natural Resources Ltd. COM 136385101   60,352 1,956 SH   DFND 1,2 0 1,956 0
Canadian Pacific Kansas C COM 13646K108   98,049 1,355 SH   DFND 1,2 0 1,355 0
Capital One Financial Corporation COM 14040H105   16,584 93 SH   DFND 1,2 0 93 0
Caterpillar Inc. COM 149123101   22,128 61 SH   DFND 1,2 0 61 0
Charter Communications Inc. COM 16119P108   5,142 15 SH   DFND 1,2 0 15 0
Citigroup Inc. COM 172967424   77,429 1,100 SH   DFND 1,2 0 1,100 0
Coca-Cola Co. COM 191216100   9,588 154 SH   DFND 1,2 0 154 0
Colliers International Group Inc. COM 194693107   76,107 560 SH   DFND 1,2 0 560 0
Comcast Corporation Class A COM 20030N101   7,468 199 SH   DFND 1,2 0 199 0
Costco Wholesale Corporation COM 22160K105   21,990 24 SH   DFND 1,2 0 24 0
Danaher Corporation COM 235851102   9,871 43 SH   DFND 1,2 0 43 0
Diamondback Energy Inc. COM 25278X109   19,987 122 SH   DFND 1,2 0 122 0
Dow Chemical Company (The) COM 260557103   5,779 144 SH   DFND 1,2 0 144 0
Embecta Corp. COM 29082K105   165 8 SH   DFND 1,2 0 8 0
Enbridge Inc. COM 29250N105   131,534 3,101 SH   DFND 1,2 0 3,101 0
Entergy Corporation COM 29364G103   10,918 144 SH   DFND 1,2 0 144 0
Essex Property Trust Inc. COM 297178105   8,563 30 SH   DFND 1,2 0 30 0
Exxon Mobil Corporation COM 30231G102   67,877 631 SH   DFND 1,2 0 631 0
Fidelity National Information Services Inc. COM 31620M106   14,619 181 SH   DFND 1,2 0 181 0
FirstService Corporation COM 33767E202   75,310 416 SH   DFND 1,2 0 416 0
Ford Motor Company COM 345370860   4,633 468 SH   DFND 1,2 0 468 0
GE Healthcare Technologies In COM 36266G107   2,111 27 SH   DFND 1,2 0 27 0
GE Vernova Inc. COM 36828A101   6,579 20 SH   DFND 1,2 0 20 0
General Electric Company COM 369604301   13,510 81 SH   DFND 1,2 0 81 0
General Motors Company COM 37045V100   7,138 134 SH   DFND 1,2 0 134 0
Gilead Sciences Inc. COM 375558103   10,253 111 SH   DFND 1,2 0 111 0
Global X Silver Miners ETF COM 37954Y848   2,859 90 SH   DFND 1,2 0 90 0
Harbor Commodity All-Weather Strategy HARBOR COMMODITY 41151J505   4,232,997 191,232 SH   DFND 1,2 0 191,232 0
Hilton Worldwide Holdings Inc. COM 43300A203   28,176 114 SH   DFND 1,2 0 114 0
Home Depot Inc COM 437076102   31,119 80 SH   DFND 1,2 0 80 0
IGM Financial Inc COM 449586106   31,184 977 SH   DFND 1,2 0 977 0
Intel Corporation COM 458140100   3,108 155 SH   DFND 1,2 0 155 0
Intuit Inc. COM 461202103   22,626 36 SH   DFND 1,2 0 36 0
JP Morgan Chase & Company COM 46625H100   53,216 222 SH   DFND 1,2 0 222 0
Johnson & Johnson COM 478160104   7,086 49 SH   DFND 1,2 0 49 0
Magna International Inc. COM 559222401   17,669 423 SH   DFND 1,2 0 423 0
Manulife Financial Corp. COM 56501R106   94,592 3,081 SH   DFND 1,2 0 3,081 0
Mastercard Inc. COM 57636Q104   34,227 65 SH   DFND 1,2 0 65 0
McDonald's Corporation COM 580135101   15,364 53 SH   DFND 1,2 0 53 0
Medtronic Plc COM G5960L103   10,145 127 SH   DFND 1,2 0 127 0
Merck & Company Inc. COM 58933Y105   13,330 134 SH   DFND 1,2 0 134 0
Meta Platforms Inc. COM 30303M102   84,313 144 SH   DFND 1,2 0 144 0
Micron Technology Inc. COM 595112103   14,391 171 SH   DFND 1,2 0 171 0
Microsoft Corporation COM 594918104   132,773 315 SH   DFND 1,2 0 315 0
NVIDIA Corporation COM 67066G104   85,946 640 SH   DFND 1,2 0 640 0
NextEra Energy Inc. COM 65339F101   7,312 102 SH   DFND 1,2 0 102 0
Northrop Grumman Corporation COM 666807102   19,241 41 SH   DFND 1,2 0 41 0
Nutrien Limited COM 67077M108   1,159,534 25,930 SH   DFND 1,2 0 25,930 0
O'Reilly Automotive Inc. COM 67103H107   41,503 35 SH   DFND 1,2 0 35 0
Open Text Corporation COM 683715106   28,707 1,015 SH   DFND 1,2 0 1,015 0
PPG Industries Inc. COM 693506107   11,348 95 SH   DFND 1,2 0 95 0
Parker-Hannifin Corporation COM 701094104   41,978 66 SH   DFND 1,2 0 66 0
PayPal Holdings Inc. COM 70450Y103   8,620 101 SH   DFND 1,2 0 101 0
Pfizer Inc. COM 717081103   39,052 1,472 SH   DFND 1,2 0 1,472 0
Procter & Gamble Co. COM 742718109   20,453 122 SH   DFND 1,2 0 122 0
Qualcomm Inc. COM 747525103   15,055 98 SH   DFND 1,2 0 98 0
Royal Bank of Canada COM 780087102   331,613 2,752 SH   DFND 1,2 0 2,752 0
S&P Global Inc. COM 78409V104   56,775 114 SH   DFND 1,2 0 114 0
SPDR S&P 500 ETF Trust COM 78462F103   175,824 300 SH   DFND 1,2 0 300 0
ServisFirst Bancshares Inc. COM 81768T108   2,034 24 SH   DFND 1,2 0 24 0
Simon Property Group Inc. COM 828806109   18,082 105 SH   DFND 1,2 0 105 0
Stanley Black & Decker Inc. COM 854502101   5,460 68 SH   DFND 1,2 0 68 0
Sun Life Financial Inc. COM 866796105   191,130 3,221 SH   DFND 1,2 0 3,221 0
Suncor Energy Inc. COM 867224107   107,161 3,004 SH   DFND 1,2 0 3,004 0
TC Energy Corporation COM 87807B107   43,873 942 SH   DFND 1,2 0 942 0
TELUS Corporation COM 87971M103   81,898 6,044 SH   DFND 1,2 0 6,044 0
Tesla Inc. COM 88160R101   15,750 39 SH   DFND 1,2 0 39 0
Texas Instruments Inc COM 882508104   19,314 103 SH   DFND 1,2 0 103 0
The Sherwin-Williams Company COM 824348106   23,455 69 SH   DFND 1,2 0 69 0
The TJX Companies Inc. COM 872540109   43,733 362 SH   DFND 1,2 0 362 0
Thermo Fisher Scientific Inc. COM 883556102   19,249 37 SH   DFND 1,2 0 37 0
Toronto Dominion Bank COM 891160509   234,588 4,409 SH   DFND 1,2 0 4,409 0
Ulta Beauty Inc. COM 90384S303   20,007 46 SH   DFND 1,2 0 46 0
Union Pacific Corporation COM 907818108   33,066 145 SH   DFND 1,2 0 145 0
UnitedHealth Group Inc. COM 91324P102   47,551 94 SH   DFND 1,2 0 94 0
VanEck Gold Miners ETF COM 92189F106   2,882 85 SH   DFND 1,2 0 85 0
VanEck Junior Gold Miners ETF COM 92189F791   1,924 45 SH   DFND 1,2 0 45 0
Vanguard Information Technology ETF COM 92204A702   5,226,851 8,406 SH   DFND 1,2 0 8,406 0
Vanguard Int'l High Dividend Yield ETF COM 921946794   1,111,196 16,370 SH   DFND 1,2 0 16,370 0
Vanguard S&P 500 Growth ETF COM 921932505   5,381,082 14,700 SH   DFND 1,2 0 14,700 0
Vanguard S&P 500 Value ETF COM 921932703   6,500,287 35,230 SH   DFND 1,2 0 35,230 0
Veralto Corp COM 92338C103   1,426 14 SH   DFND 1,2 0 14 0
Viatris Inc. COM 92556V106   1,843 148 SH   DFND 1,2 0 148 0
Visa Inc. COM 92826C839   27,495 87 SH   DFND 1,2 0 87 0
Walt Disney Co. COM 254687106   9,687 87 SH   DFND 1,2 0 87 0
Waste Connections Inc. COM 94106B101   102,696 599 SH   DFND 1,2 0 599 0
Westinghouse Air Brake Technologies Corp COM 929740108   1,517 8 SH   DFND 1,2 0 8 0
Yum Brands Inc. COM 988498101   11,001 82 SH   DFND 1,2 0 82 0
Zoetis Inc. Class A COM 98978V103   7,495 46 SH   DFND 1,2 0 46 0
iShares Core S&P 500 ETF COM 464287200   5,713,728 9,706 SH   DFND 1,2 0 9,706 0
iShares Edge MSCI Minimum Volatility EAFE ETF COM 46429B689   286,163 4,047 SH   DFND 1,2 0 4,047 0
iShares International Select Dividend ETF COM 464288448   515,018 18,810 SH   DFND 1,2 0 18,810 0
iShares MSCI ACWI ETF COM 464288257   246,750 2,100 SH   DFND 1,2 0 2,100 0
iShares MSCI EAFE ETF COM 464287465   385,384 5,097 SH   DFND 1,2 0 5,097 0
iShares MSCI EAFE Growth ETF COM 464288885   5,117,466 52,850 SH   DFND 1,2 0 52,850 0
iShares MSCI EAFE Value ETF COM 464288877   7,159,532 136,450 SH   DFND 1,2 0 136,450 0
iShares MSCI USA Minimum Volatility ETF COM 46429B697   3,476,484 39,154 SH   DFND 1,2 0 39,154 0
iShares Russell 2000 Growth ETF COM 464287648   760,996 2,644 SH   DFND 1,2 0 2,644 0
iShares Russell 2000 Value ETF COM 464287630   752,884 4,586 SH   DFND 1,2 0 4,586 0