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
Expires: July 31, 2015
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
SPDR SERIES TRUST SPDR BLOOMBERG 1-3 MONTH T-BILL ETF 78468R663 3,436,022 37,458 SH DFND 1 0 37,458 0
SPDR SERIES TRUST SPDR PORTFOLIO SHORT TERM TREASURY ETF 78468R101 3,448,751 117,745 SH DFND 1 0 117,745 0
VANGUARD BD INDEX FDS VANGUARD ULTRA SHORT BOND ETF 92203C303 3,499,526 70,180 SH DFND 1 0 70,180 0
VANGUARD SCOTTSDALE FUNDS VANGUARD SHORT-TERM TREASURY ETF 92206C102 3,449,916 58,692 SH DFND 1 0 58,692 0
Abbott Laboratories COM 002824100 12,377 91 SH DFND 1,2 0 0 91
Adobe Inc. COM 00724F101 20,892 54 SH DFND 1,2 0 0 54
Algonquin Power & Utilities Corp. COM 015857105 1,155 202 SH DFND 1,2 0 0 202
Alphabet Inc. Class A COM 02079K305 98,689 560 SH DFND 1,2 0 0 560
Amazon.Com Inc. COM 023135106 78,980 360 SH DFND 1,2 0 0 360
Amplify Junior Silver Miners ETF COM 032108649 3,478 235 SH DFND 1,2 0 0 235
Aon PLC COM G0403H108 50,660 142 SH DFND 1,2 0 0 142
Apple Inc. COM 037833100 120,640 588 SH DFND 1,2 0 0 588
B2Gold Corporation COM 11777Q209 38,583 10,680 SH DFND 1,2 0 0 10,680
BCE Inc. COM 05534B760 107,903 4,866 SH DFND 1,2 0 0 4,866
BROOKFIELD PROPERTY PARTN COM G1624R107 30 2 SH DFND 1,2 0 0 2
BRP Inc. Sub-vtg COM 05577W200 41,012 845 SH DFND 1,2 0 0 845
Bank of America Corp. COM 060505104 42,446 897 SH DFND 1,2 0 0 897
Becton Dickinson & Co. COM 075887109 7,235 42 SH DFND 1,2 0 0 42
Berkshire Hathaway Inc. COM 084670702 82,581 170 SH DFND 1,2 0 0 170
Broadcom Inc. COM 11135F101 77,182 280 SH DFND 1,2 0 0 280
Brookfield Asset Management Inc. COM 113004105 39,293 710 SH DFND 1,2 0 0 710
Brookfield Corp Voting Class A COM 11271J107 173,090 2,797 SH DFND 1,2 0 0 2,797
Brookfield Wealth Solutions Class A COM G17434104 1,174 19 SH DFND 1,2 0 0 19
CME Group Inc. Class A COM 12572Q105 30,043 109 SH DFND 1,2 0 0 109
Canadian Natural Resources Ltd. COM 136385101 61,471 1,956 SH DFND 1,2 0 0 1,956
Canadian Pacific Kansas C COM 13646K108 107,632 1,355 SH DFND 1,2 0 0 1,355
Capital One Financial Corporation COM 14040H105 19,787 93 SH DFND 1,2 0 0 93
Caterpillar Inc. COM 149123101 23,681 61 SH DFND 1,2 0 0 61
Charter Communications Inc. COM 16119P108 6,132 15 SH DFND 1,2 0 0 15
Citigroup Inc. COM 172967424 93,632 1,100 SH DFND 1,2 0 0 1,100
Coca-Cola Co. COM 191216100 10,896 154 SH DFND 1,2 0 0 154
Colliers International Group Inc. COM 194693107 73,262 560 SH DFND 1,2 0 0 560
Comcast Corporation Class A COM 20030N101 7,102 199 SH DFND 1,2 0 0 199
Costco Wholesale Corporation COM 22160K105 23,759 24 SH DFND 1,2 0 0 24
Danaher Corporation COM 235851102 8,494 43 SH DFND 1,2 0 0 43
Diamondback Energy Inc. COM 25278X109 16,763 122 SH DFND 1,2 0 0 122
Dow Chemical Company (The) COM 260557103 3,813 144 SH DFND 1,2 0 0 144
Embecta Corp. COM 29082K105 78 8 SH DFND 1,2 0 0 8
Enbridge Inc. COM 29250N105 140,603 3,101 SH DFND 1,2 0 0 3,101
Entergy Corporation COM 29364G103 11,969 144 SH DFND 1,2 0 0 144
Essex Property Trust Inc. COM 297178105 8,502 30 SH DFND 1,2 0 0 30
Exxon Mobil Corporation COM 30231G102 68,022 631 SH DFND 1,2 0 0 631
Fidelity National Information Services Inc. COM 31620M106 14,735 181 SH DFND 1,2 0 0 181
FirstService Corporation COM 008474108 72,586 416 SH DFND 1,2 0 0 416
Ford Motor Company COM 345370860 5,078 468 SH DFND 1,2 0 0 468
GE Healthcare Technologies In COM 36266G107 2,000 27 SH DFND 1,2 0 0 27
GE Vernova Inc. COM 36828A101 10,583 20 SH DFND 1,2 0 0 20
General Electric Company COM 369604301 20,849 81 SH DFND 1,2 0 0 81
General Motors Company COM 37045V100 6,594 134 SH DFND 1,2 0 0 134
Gilead Sciences Inc. COM 375558103 12,307 111 SH DFND 1,2 0 0 111
Global X Silver Miners ETF COM 37954Y848 4,333 90 SH DFND 1,2 0 0 90
Harbor Commodity All-Weather Strategy COM 41151J505 3,581,852 147,462 SH DFND 1,2 0 0 147,462
Hilton Worldwide Holdings Inc. COM 43300A203 30,363 114 SH DFND 1,2 0 0 114
Home Depot Inc COM 437076102 29,331 80 SH DFND 1,2 0 0 80
IGM Financial Inc COM 449586106 30,862 977 SH DFND 1,2 0 0 977
Intel Corporation COM 458140100 3,472 155 SH DFND 1,2 0 0 155
Intuit Inc. COM 461202103 28,355 36 SH DFND 1,2 0 0 36
JP Morgan Chase & Company COM 46625H100 64,360 222 SH DFND 1,2 0 0 222
Johnson & Johnson COM 478160104 7,485 49 SH DFND 1,2 0 0 49
Magna International Inc. COM 559222401 16,350 423 SH DFND 1,2 0 0 423
Manulife Financial Corp. COM 56501R106 98,500 3,081 SH DFND 1,2 0 0 3,081
Mastercard Inc. COM 57636Q104 36,526 65 SH DFND 1,2 0 0 65
McDonald's Corporation COM 580135101 15,485 53 SH DFND 1,2 0 0 53
Medtronic Plc COM G5960L103 11,071 127 SH DFND 1,2 0 0 127
Merck & Company Inc. COM 58933Y105 10,607 134 SH DFND 1,2 0 0 134
Meta Platforms Inc. COM 30303M102 106,285 144 SH DFND 1,2 0 0 144
Micron Technology Inc. COM 595112103 21,076 171 SH DFND 1,2 0 0 171
Microsoft Corporation COM 594918104 156,684 315 SH DFND 1,2 0 0 315
NVIDIA Corporation COM 67066G104 101,114 640 SH DFND 1,2 0 0 640
NextEra Energy Inc. COM 65339F101 7,081 102 SH DFND 1,2 0 0 102
Northrop Grumman Corporation COM 666807102 20,499 41 SH DFND 1,2 0 0 41
Nutrien Limited COM 67077M108 1,510,794 25,930 SH DFND 1,2 0 0 25,930
O'Reilly Automotive Inc. COM 67103H107 47,318 525 SH DFND 1,2 0 0 525
Open Text Corporation COM 683715106 29,655 1,015 SH DFND 1,2 0 0 1,015
PPG Industries Inc. COM 693506107 10,806 95 SH DFND 1,2 0 0 95
Parker-Hannifin Corporation COM 701094104 46,099 66 SH DFND 1,2 0 0 66
PayPal Holdings Inc. COM 70450Y103 7,506 101 SH DFND 1,2 0 0 101
Pfizer Inc. COM 717081103 35,681 1,472 SH DFND 1,2 0 0 1,472
Procter & Gamble Co. COM 742718109 19,437 122 SH DFND 1,2 0 0 122
Qualcomm Inc. COM 747525103 15,607 98 SH DFND 1,2 0 0 98
Royal Bank of Canada COM 780087102 362,657 2,752 SH DFND 1,2 0 0 2,752
S&P Global Inc. COM 78409V104 60,111 114 SH DFND 1,2 0 0 114
ServisFirst Bancshares Inc. COM 81768T108 1,860 24 SH DFND 1,2 0 0 24
Simon Property Group Inc. COM 828806109 16,880 105 SH DFND 1,2 0 0 105
Stanley Black & Decker Inc. COM 854502101 4,607 68 SH DFND 1,2 0 0 68
Sun Life Financial Inc. COM 866796105 214,300 3,221 SH DFND 1,2 0 0 3,221
Suncor Energy Inc. COM 867224107 112,515 3,004 SH DFND 1,2 0 0 3,004
TC Energy Corporation COM 87807B107 45,983 942 SH DFND 1,2 0 0 942
TELUS Corporation COM 87971M103 97,057 6,044 SH DFND 1,2 0 0 6,044
Tesla Inc. COM 88160R101 12,389 39 SH DFND 1,2 0 0 39
Texas Instruments Inc COM 882508104 21,385 103 SH DFND 1,2 0 0 103
The Sherwin-Williams Company COM 824348106 23,692 69 SH DFND 1,2 0 0 69
The TJX Companies Inc. COM 872540109 44,703 362 SH DFND 1,2 0 0 362
Thermo Fisher Scientific Inc. COM 883556102 15,002 37 SH DFND 1,2 0 0 37
Toronto Dominion Bank COM 891160509 324,258 4,409 SH DFND 1,2 0 0 4,409
Ulta Beauty Inc. COM 90384S303 21,520 46 SH DFND 1,2 0 0 46
Union Pacific Corporation COM 907818108 33,362 145 SH DFND 1,2 0 0 145
UnitedHealth Group Inc. COM 91324P102 29,325 94 SH DFND 1,2 0 0 94
VanEck Gold Miners ETF COM 92189F106 4,425 85 SH DFND 1,2 0 0 85
VanEck Junior Gold Miners ETF COM 92189F791 3,042 45 SH DFND 1,2 0 0 45
Veralto Corp COM 92338C103 1,413 14 SH DFND 1,2 0 0 14
Viatris Inc. COM 92556V106 1,322 148 SH DFND 1,2 0 0 148
Visa Inc. COM 92826C839 30,889 87 SH DFND 1,2 0 0 87
Walt Disney Co. COM 254687106 10,789 87 SH DFND 1,2 0 0 87
Waste Connections Inc. COM 94106B101 111,883 599 SH DFND 1,2 0 0 599
Westinghouse Air Brake Technologies Corp COM 929740108 1,675 8 SH DFND 1,2 0 0 8
Yum Brands Inc. COM 988498101 12,151 82 SH DFND 1,2 0 0 82
Zoetis Inc. Class A COM 98978V103 7,174 46 SH DFND 1,2 0 0 46
iShares Core S&P 500 ETF COM 464287200 6,153,740 9,911 SH DFND 1,2 0 0 9,911
iShares Edge MSCI Minimum Volatility EAFE ETF COM 46429B689 88,263 1,050 SH DFND 1,2 0 0 1,050
iShares MSCI ACWI ETF COM 464288257 32,150 250 SH DFND 1,2 0 0 250
iShares MSCI EAFE ETF COM 464287465 2,501,043 27,979 SH DFND 1,2 0 0 27,979
iShares MSCI USA Minimum Volatility ETF COM 46429B697 3,540,213 37,714 SH DFND 1,2 0 0 37,714