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
3M CO COM 88579Y101 1,124,896 7,026 SH SOLE 0 0 7,026
ADAMS DIVERSIFIED EQUITY COM 006212104 4,088,690 175,330 SH SOLE 0 0 175,330
ADAMS NATURAL RESOURCES FUND COM 00548F105 2,445,470 112,487 SH SOLE 0 0 112,487
ADVENT CONVERT & INCOME COM 00764C109 2,899,564 231,225 SH SOLE 0 0 231,225
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,062,206 4,300 SH SOLE 0 0 4,300
ALLSTATE CORP COM 020002101 3,870,546 18,595 SH SOLE 0 0 18,595
ALPHABET INC-CL A COM 02079K305 3,045,519 9,730 SH SOLE 0 0 9,730
ALPHABET INC-CL C COM 02079K107 6,015,660 19,170 SH SOLE 0 0 19,170
AMAZON.COM INC COM 023135106 1,716,222 7,435 SH SOLE 0 0 7,435
AMAZON.COM INC COM 023135106 346,230 1,500 SH DFND 1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101 206,700 10,000 SH DFND 10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105 801,511 12,369 SH SOLE 0 0 12,369
AMERICAN EXPRESS CO COM 025816109 213,461 577 SH SOLE 0 0 577
AMGEN INC COM 031162100 5,909,817 18,056 SH SOLE 0 0 18,056
ANGLOGOLD ASHANTI PLC COM G0378L100 255,840 3,000 SH DFND 3,000 0 0
APPLE INC COM 037833100 4,212,987 15,497 SH SOLE 0 0 15,497
APPLE INC COM 037833100 1,223,370 4,500 SH DFND 4,500 0 0
APPLIED INDUSTRIAL TECH INC COM 03820C105 592,368 2,307 SH SOLE 0 0 2,307
ARTESIAN RESOURCES CORP-CL A COM 043113208 2,064,455 65,310 SH SOLE 0 0 65,310
ASTRAZENECA PLC-SPONS ADR ADR 046353108 689,475 7,500 SH DFND 7,500 0 0
AT&T INC COM 00206R102 1,163,377 46,835 SH SOLE 0 0 46,835
AUTOMATIC DATA PROCESSING COM 053015103 319,994 1,244 SH SOLE 0 0 1,244
AUTOZONE INC COM 053332102 484,985 143 SH SOLE 0 0 143
BANK OF AMERICA CORP COM 060505104 898,056 16,328 SH SOLE 0 0 16,328
BEARD COMPANY COM 07384R408 0 212,569 SH SOLE 0 0 212,569
BOEING CO/THE COM 097023105 201,922 930 SH SOLE 0 0 930
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104 98,207 27,432 SH DFND 27,432 0 0
BROADCOM INC COM 11135F101 3,603,620 10,412 SH SOLE 0 0 10,412
CATERPILLAR INC COM 149123101 369,501 645 SH SOLE 0 0 645
CATERPILLAR INC COM 149123101 458,296 800 SH DFND 800 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889 344,700 30,000 SH DFND 30,000 0 0
CHEVRON CORP COM 166764100 533,435 3,500 SH DFND 3,500 0 0
CISCO SYSTEMS INC COM 17275R102 1,097,961 14,254 SH SOLE 0 0 14,254
CLEARWATER ANALYTICS HDS-A COM 185123106 366,986 15,215 SH SOLE 0 0 15,215
COCA-COLA CO/THE COM 191216100 323,811 4,632 SH SOLE 0 0 4,632
COGNITION THERAPEUTICS INC COM 19243B102 70,924 52,536 SH SOLE 0 0 52,536
COPA HOLDINGS SA-CLASS A COM P31076105 361,830 3,000 SH DFND 3,000 0 0
COTERRA ENERGY INC COM 127097103 601,675 22,860 SH SOLE 0 0 22,860
CRH PLC COM G25508105 312,000 2,500 SH DFND 2,500 0 0
CROWDSTRIKE HOLDINGS INC - A COM 22788C105 234,380 500 SH DFND 500 0 0
CSX CORP COM 126408103 4,212,399 116,204 SH SOLE 0 0 116,204
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401 252,120 44,000 SH DFND 44,000 0 0
DIAGEO PLC-SPONSORED ADR ADR 25243Q205 241,556 2,800 SH DFND 2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500 1,776,197 25,494 SH SOLE 0 0 25,494
DNAPRINT GENOMICS COM 23324Q202 118 1,175,300 SH SOLE 0 0 1,175,300
DR HORTON INC COM 23331A109 576,120 4,000 SH DFND 4,000 0 0
DUKE ENERGY CORP COM 26441C204 1,138,695 9,715 SH SOLE 0 0 9,715
ELI LILLY & CO COM 532457108 403,005 375 SH SOLE 0 0 375
ENTEGRIS INC COM 29362U104 1,169,772 13,885 SH SOLE 0 0 13,885
EVEREST GROUP LTD COM G3223R108 2,727,032 8,036 SH SOLE 0 0 8,036
EXXON MOBIL CORP COM 30231G102 316,092 2,627 SH SOLE 0 0 2,627
FIRST COMMONWEALTH MTG TRUST COM 31983K101 1,417,128 224,941 SH SOLE 0 0 224,941
FIRST SEISMIC CORP COM 336397104 22 44,451 SH SOLE 0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101 596,200 20,000 SH DFND 20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406 176,800 20,000 SH SOLE 0 0 20,000
GOLD FIELDS LTD-SPONS ADR ADR 38059T106 358,012 8,200 SH DFND 8,200 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 5,685,383 42,951 SH SOLE 0 0 42,951
GOLDMAN SACHS ACTIVEBETA INT COM 381430107 10,215,788 237,908 SH SOLE 0 0 237,908
GROUP 1 AUTOMOTIVE INC COM 398905109 656,811 1,670 SH DFND 1,670 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202 582,120 1,800 SH DFND 1,800 0 0
HA SUSTAINABLE INFRASTRUCTUR COM 41068X100 477,736 15,200 SH DFND 15,200 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100 221,213 8,675 SH DFND 8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101 584,640 16,000 SH DFND 16,000 0 0
HEMPFUSION WELLNESS INC COM 423821107 0 22,222 SH SOLE 0 0 22,222
HOLLY MORTGAGE TRUST COM 436006100 26,708 381,541 SH SOLE 0 0 381,541
HUNTINGTON BANCSHARES INC COM 446150104 399,015 22,998 SH SOLE 0 0 22,998
INGLES MARKETS INC-CLASS A COM 457030104 3,914,717 57,107 SH SOLE 0 0 57,107
INTEL CORP COM 458140100 367,893 9,970 SH SOLE 0 0 9,970
INTERCONTINENTAL HOTELS-ADR ADR 45857P806 859,485 6,103 SH DFND 6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101 4,225,500 14,265 SH SOLE 0 0 14,265
INVESCO BULLETSHARES 2026 CB COM 46138J791 7,902,202 403,688 SH SOLE 0 0 403,688
INVESCO BULLETSHARES 2027 CB COM 46138J783 6,230,588 315,633 SH SOLE 0 0 315,633
INVESCO BULLETSHARES 2028 CB COM 46138J643 1,631,363 79,192 SH SOLE 0 0 79,192
INVESCO BULLETSHARES 2028 HY COM 46138J452 1,155,637 52,529 SH SOLE 0 0 52,529
INVESCO BULLETSHARES 2029 CB COM 46138J577 1,531,969 81,336 SH SOLE 0 0 81,336
INVESCO BULLETSHARES 2029 HY COM 46138J395 290,197 13,491 SH SOLE 0 0 13,491
INVESCO BULLETSHARES 2031 CB COM 46138J429 796,666 47,719 SH SOLE 0 0 47,719
INVESCO BULLETSHARES 2032 CB COM 46139W858 707,798 33,906 SH SOLE 0 0 33,906
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 6,455,396 33,699 SH SOLE 0 0 33,699
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282 967,816 21,266 SH SOLE 0 0 21,266
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332 4,550,436 142,871 SH SOLE 0 0 142,871
INVESCO S&P GLOBAL WATER IND COM 46138E263 3,258,662 51,716 SH SOLE 0 0 51,716
INVESCO VARIABLE RATE PREFER COM 46138G870 5,046,885 207,435 SH SOLE 0 0 207,435
ISHARES 7-10 YEAR TREASURY B COM 464287440 3,370,978 35,056 SH SOLE 0 0 35,056
ISHARES CORE 60/40 BALANCED COM 464289867 222,984 3,430 SH SOLE 0 0 3,430
ISHARES CORE 80/20 AGGRESSIV COM 464289859 366,121 4,088 SH SOLE 0 0 4,088
ISHARES CORE S&P MIDCAP ETF COM 464287507 5,654,005 85,667 SH SOLE 0 0 85,667
ISHARES CORE S&P SMALL-CAP E COM 464287804 229,424 1,909 SH SOLE 0 0 1,909
ISHARES FLOATING RATE BOND E COM 46429B655 6,499,147 127,785 SH SOLE 0 0 127,785
ISHARES GLOBAL HEALTHCARE ET COM 464287325 4,940,947 50,728 SH SOLE 0 0 50,728
ISHARES GLOBAL TECH ETF COM 464287291 4,350,950 41,438 SH SOLE 0 0 41,438
ISHARES GOLD TRUST COM 464285204 216,399 2,666 SH SOLE 0 0 2,666
ISHARES GSCI COMMODITY DYNAM COM 46431W853 294,304 11,822 SH SOLE 0 0 11,822
ISHARES IBONDS DEC 2028 TERM COM 46436E833 4,914,936 219,760 SH SOLE 0 0 219,760
ISHARES MSCI EAFE ETF COM 464287465 766,519 7,982 SH SOLE 0 0 7,982
ISHARES MSCI EAFE SMALL-CAP COM 464288273 4,945,409 63,787 SH SOLE 0 0 63,787
ISHARES MSCI USA MIN VOL FAC COM 46429B697 307,232 3,263 SH SOLE 0 0 3,263
ISHARES PREFERRED & INCOME S COM 464288687 650,325 21,005 SH SOLE 0 0 21,005
ISHARES RUSSELL 1000 ETF COM 464287622 6,622,301 17,733 SH SOLE 0 0 17,733
ISHARES RUSSELL 1000 GROWTH COM 464287614 513,531 1,085 SH SOLE 0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655 1,899,862 7,718 SH SOLE 0 0 7,718
ISHARES RUSSELL MID-CAP ETF COM 464287499 3,521,947 36,584 SH SOLE 0 0 36,584
JAMES HARDIE IND PLC COM G4253H101 518,750 25,000 SH DFND 25,000 0 0
JOHN HANCOCK FINANCIAL OPP COM 409735206 3,049,158 86,920 SH SOLE 0 0 86,920
JOHN HANCOCK MULTI FACT LRG COM 47804J107 2,803,046 35,104 SH SOLE 0 0 35,104
JOHNSON & JOHNSON COM 478160104 3,876,811 18,733 SH SOLE 0 0 18,733
JPMORGAN CHASE & CO COM 46625H100 676,662 2,100 SH DFND 2,100 0 0
JPMORGAN CHASE & CO COM 46625H100 727,573 2,258 SH SOLE 0 0 2,258
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837 1,763,439 34,857 SH SOLE 0 0 34,857
KAJIMA CORP-UNSPONSORED ADR ADR 483111209 441,907 11,900 SH DFND 11,900 0 0
LENNAR CORP-A COM 526057104 328,960 3,200 SH DFND 3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107 825,486 1,700 SH DFND 1,700 0 0
LOCKHEED MARTIN CORP COM 539830109 2,243,313 4,638 SH SOLE 0 0 4,638
LOWE'S COS INC COM 548661107 3,826,727 15,868 SH SOLE 0 0 15,868
LOWE'S COS INC COM 548661107 627,016 2,600 SH DFND 2,600 0 0
LYNAS RARE EARTHS LTD-SP ADR ADR 551073307 411,846 49,800 SH DFND 49,800 0 0
MARRIOTT INTERNATIONAL -CL A COM 571903202 288,833 931 SH SOLE 0 0 931
MERCK & CO. INC. COM 58933Y105 535,281 5,085 SH SOLE 0 0 5,085
META PLATFORMS INC-CLASS A COM 30303M102 1,086,067 1,645 SH SOLE 0 0 1,645
METLIFE INC COM 59156R108 2,283,483 28,927 SH SOLE 0 0 28,927
MICROSOFT CORP COM 594918104 3,240,385 6,700 SH SOLE 0 0 6,700
MICROSOFT CORP COM 594918104 725,430 1,500 SH DFND 1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204 493,284 13,200 SH DFND 13,200 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108 184,617 18,000 SH DFND 18,000 0 0
NATURAL GAS SERVICES GROUP COM 63886Q109 235,550 7,000 SH DFND 7,000 0 0
NESTLE SA-SPONS ADR ADR 641069406 271,645 2,750 SH DFND 2,750 0 0
NETAPP INC COM 64110D104 749,630 7,000 SH DFND 7,000 0 0
NETFLIX INC COM 64110L106 258,778 2,760 SH SOLE 0 0 2,760
NICE LTD - SPON ADR ADR 653656108 305,208 2,700 SH DFND 2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109 166,000 50,000 SH DFND 50,000 0 0
NORFOLK SOUTHERN CORP COM 655844108 461,952 1,600 SH DFND 1,600 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109 3,117,516 22,612 SH SOLE 0 0 22,612
NOVO-NORDISK A/S-SPONS ADR ADR 670100205 203,520 4,000 SH DFND 4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106 4,182,139 515,677 SH SOLE 0 0 515,677
NVIDIA CORP COM 67066G104 2,342,254 12,559 SH SOLE 0 0 12,559
NVR INC COM 62944T105 364,639 50 SH DFND 50 0 0
NXP SEMICONDUCTORS NV COM N6596X109 2,378,761 10,959 SH SOLE 0 0 10,959
NYLI CBRE GBL INFR MGA TRM F COM 56064Q107 1,278,214 92,893 SH SOLE 0 0 92,893
OLD REPUBLIC INTL CORP COM 680223104 3,728,281 81,689 SH SOLE 0 0 81,689
OR ROYALTIES INC COM 68390D106 1,391,429 39,317 SH SOLE 0 0 39,317
ORACLE CORP COM 68389X105 1,192,654 6,119 SH SOLE 0 0 6,119
PALANTIR TECHNOLOGIES INC-A COM 69608A108 213,478 1,201 SH SOLE 0 0 1,201
PEARSON PLC-SPONSORED ADR ADR 705015105 280,800 20,000 SH DFND 20,000 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 275,888 1,720 SH SOLE 0 0 1,720
PIMCO ENHANCED SHORT MATURIT COM 72201R833 1,433,270 14,284 SH SOLE 0 0 14,284
PLEXUS CORP COM 729132100 2,153,697 14,651 SH SOLE 0 0 14,651
PROCTER & GAMBLE CO/THE COM 742718109 444,261 3,100 SH DFND 3,100 0 0
QUALCOMM INC COM 747525103 1,106,905 6,471 SH SOLE 0 0 6,471
REPUBLIC SERVICES INC COM 760759100 211,930 1,000 SH DFND 1,000 0 0
RGC RESOURCES INC COM 74955L103 894,127 41,978 SH SOLE 0 0 41,978
RIO TINTO PLC-SPON ADR ADR 767204100 1,329,280 16,610 SH SOLE 0 0 16,610
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104 618,840 12,000 SH DFND 12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104 3,210,881 307,851 SH SOLE 0 0 307,851
ROYCE SMALL-CAP TRUST INC COM 780910105 250,886 15,583 SH SOLE 0 0 15,583
SCHWAB FNDMNTL US LRG CO ETF COM 808524771 3,864,981 142,043 SH SOLE 0 0 142,043
SCHWAB INTL EQUITY ETF COM 808524805 268,541 11,171 SH SOLE 0 0 11,171
SCHWAB US MID CAP ETF COM 808524508 282,799 9,405 SH SOLE 0 0 9,405
SCHWAB US SMALL-CAP ETF COM 808524607 277,090 9,729 SH SOLE 0 0 9,729
SEAGATE TECHNOLOGY HOLDINGS COM G7997R103 234,082 850 SH SOLE 0 0 850
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209 397,920 24,000 SH DFND 24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501 979,650 7,000 SH DFND 7,000 0 0
SONOS INC COM 83570H108 2,449,620 139,500 SH SOLE 0 0 139,500
SONY FINANCIAL GROUP INC-ADR ADR 83571B100 82,634 15,800 SH DFND 15,800 0 0
SONY GROUP CORP - SP ADR ADR 835699307 512,000 20,000 SH DFND 20,000 0 0
SOUTHERN CO/THE COM 842587107 1,274,924 14,621 SH SOLE 0 0 14,621
SPDR S&P 500 ETF TRUST COM 78462F103 1,292,920 1,896 SH SOLE 0 0 1,896
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107 832,526 1,380 SH SOLE 0 0 1,380
SS CONSUMER DISC SELECT SECT COM 81369Y407 4,964,682 41,577 SH SOLE 0 0 41,577
SS CONSUMER STAPLES SEL SECT COM 81369Y308 4,654,624 59,920 SH SOLE 0 0 59,920
SS ENERGY SELECT SECTOR COM 81369Y506 1,292,489 28,908 SH SOLE 0 0 28,908
SS SPDR P ST C CORP ETF COM 78464A474 1,576,065 52,188 SH SOLE 0 0 52,188
STELLAR BANCORP INC COM 858927106 1,179,422 38,120 SH SOLE 0 0 38,120
STRYKER CORP COM 863667101 4,487,876 12,769 SH SOLE 0 0 12,769
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100 607,780 2,000 SH DFND 2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101 316,690 5,500 SH DFND 5,500 0 0
TECNOGLASS INC COM G87264100 872,247 17,334 SH DFND 17,334 0 0
TESLA INC COM 88160R101 310,757 691 SH SOLE 0 0 691
THERMO FISHER SCIENTIFIC INC COM 883556102 782,258 1,350 SH DFND 1,350 0 0
THIRD COAST BANCSHARES INC COM 88422P109 228,060 6,000 SH DFND 6,000 0 0
TOTALENERGIES SE COM F92124100 261,680 4,000 SH DFND 4,000 0 0
UNILEVER PLC-SPONSORED ADR ADR 904767803 406,919 6,222 SH DFND 6,222 0 0
VALMONT INDUSTRIES COM 920253101 4,867,059 12,097 SH SOLE 0 0 12,097
VANECK MORNINGSTAR WIDE MOAT COM 92189F643 2,085,954 20,142 SH SOLE 0 0 20,142
VANECK MSTAR INT MOAT ETF COM 92189F593 1,666,153 45,424 SH SOLE 0 0 45,424
VANGUARD 0-3M T-BILL ETF COM 922040845 1,071,936 14,211 SH SOLE 0 0 14,211
VANGUARD ENERGY ETF COM 92204A306 1,805,630 14,340 SH SOLE 0 0 14,340
VANGUARD FTSE DEVELOPED ETF COM 921943858 13,143,829 210,402 SH SOLE 0 0 210,402
VANGUARD FTSE EMERGING MARKE COM 922042858 1,631,020 30,339 SH SOLE 0 0 30,339
VANGUARD HIGH DVD YIELD ETF COM 921946406 1,756,703 12,240 SH SOLE 0 0 12,240
VANGUARD INFO TECH ETF COM 92204A702 15,608,861 20,707 SH SOLE 0 0 20,707
VANGUARD S&P 500 ETF COM 922908363 227,424 363 SH SOLE 0 0 363
VANGUARD S/T CORP BOND ETF COM 92206C409 5,643,542 70,783 SH SOLE 0 0 70,783
VANGUARD TOTAL STOCK MKT ETF COM 922908769 2,004,579 5,979 SH SOLE 0 0 5,979
VEOLIA ENVIRONNEMENT-ADR ADR 92334N103 173,600 10,000 SH DFND 10,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 659,745 16,198 SH SOLE 0 0 16,198
VISA INC-CLASS A SHARES COM 92826C839 545,705 1,556 SH SOLE 0 0 1,556
VISA INC-CLASS A SHARES COM 92826C839 245,497 700 SH SOLE 0 0 700
VOYA FINANCIAL INC COM 929089100 2,906,172 39,014 SH SOLE 0 0 39,014
WALMART DE MEXICO SAB DE CV COM P98180188 31,268 10,016 SH SOLE 0 0 10,016
WALT DISNEY CO/THE COM 254687106 520,992 4,579 SH SOLE 0 0 4,579
WASTE MANAGEMENT INC COM 94106L109 1,336,056 6,081 SH SOLE 0 0 6,081
WESTERN ASSET HI INC OPPORT COM 95766K109 4,231,482 1,140,561 SH SOLE 0 0 1,140,561
WILLIAMS COS INC COM 969457100 2,349,760 39,091 SH SOLE 0 0 39,091