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 1,083,312 7,459 SH SOLE 0 0 7,459
ADAMS DIVERSIFIED EQUITY COM 006212104 4,030,773 184,138 SH SOLE 0 0 184,138
ADAMS NATURAL RESOURCES FUND COM 00548F105 3,288,913 118,306 SH SOLE 0 0 118,306
ADVENT CONVERT & INCOME COM 00764C109 2,668,132 239,080 SH SOLE 0 0 239,080
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,349,358 4,645 SH SOLE 0 0 4,645
ALLSTATE CORP COM 020002101 3,949,881 19,050 SH SOLE 0 0 19,050
ALPHABET INC-CL A COM 02079K305 2,715,029 9,442 SH SOLE 0 0 9,442
ALPHABET INC-CL C COM 02079K107 5,749,527 20,043 SH SOLE 0 0 20,043
AMAZON.COM INC COM 023135106 721,239 7,627 SH SOLE 0 0 7,627
AMAZON.COM INC COM 023135106 312,405 1,500 SH DFND 1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101 254,800 10,000 SH DFND 10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105 853,812 12,034 SH SOLE 0 0 12,034
AMGEN INC COM 031162100 6,485,160 18,432 SH SOLE 0 0 18,432
ANGLOGOLD ASHANTI PLC COM G0378L100 292,080 3,000 SH DFND 3,000 0 0
APPLE INC COM 037833100 3,945,652 15,547 SH SOLE 0 0 15,547
APPLE INC COM 037833100 1,142,055 4,500 SH DFND 4,500 0 0
APPLIED INDUSTRIAL TECH INC COM 03820C105 609,705 2,298 SH SOLE 0 0 2,298
ARKEMA-SPONSORED ADR ADR 041232109 214,937 3,130 SH DFND 3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208 2,220,656 69,722 SH SOLE 0 0 69,722
ASTRAZENECA PLC COM G0593M107 739,575 3,750 SH DFND 3,750 0 0
AT&T INC COM 00206R102 1,479,637 51,040 SH SOLE 0 0 51,040
AUTOMATIC DATA PROCESSING COM 053015103 247,676 1,219 SH SOLE 0 0 1,219
AUTOZONE INC COM 053332102 472,889 140 SH SOLE 0 0 140
BANK OF AMERICA CORP COM 060505104 796,005 16,328 SH SOLE 0 0 16,328
BEARD COMPANY COM 07384R408 0 212,569 SH SOLE 0 0 212,569
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104 116,037 27,432 SH DFND 27,432 0 0
BRIDGESTONE CORP-UNSPONS ADR ADR 108441205 123,720 12,000 SH DFND 12,000 0 0
BROADCOM INC COM 11135F101 3,220,793 10,406 SH SOLE 0 0 10,406
CATERPILLAR INC COM 149123101 407,365 575 SH SOLE 0 0 575
CATERPILLAR INC COM 149123101 566,768 800 SH DFND 800 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889 343,200 30,000 SH DFND 30,000 0 0
CHEVRON CORP COM 166764100 724,150 3,500 SH DFND 3,500 0 0
CISCO SYSTEMS INC COM 17275R102 1,077,313 13,885 SH SOLE 0 0 13,885
COCA-COLA CO/THE COM 191216100 274,603 3,611 SH SOLE 0 0 3,611
COGNITION THERAPEUTICS INC COM 19243B102 39,901 52,536 SH SOLE 0 0 52,536
COPA HOLDINGS SA-CLASS A COM P31076105 340,830 3,000 SH DFND 3,000 0 0
COTERRA ENERGY INC COM 127097103 803,300 22,860 SH SOLE 0 0 22,860
CRH PLC COM G25508105 262,800 2,500 SH DFND 2,500 0 0
CSX CORP COM 126408103 4,853,248 118,228 SH SOLE 0 0 118,228
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401 237,160 44,000 SH DFND 44,000 0 0
DEVON ENERGY CORP COM 25179M103 226,440 4,500 SH SOLE 0 0 4,500
DIAGEO PLC-SPONSORED ADR ADR 25243Q205 208,460 2,800 SH DFND 2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500 1,876,885 26,387 SH SOLE 0 0 26,387
DNAPRINT GENOMICS COM 23324Q202 118 1,175,300 SH SOLE 0 0 1,175,300
DR HORTON INC COM 23331A109 356,772 2,600 SH DFND 2,600 0 0
DUKE ENERGY CORP COM 26441C204 1,297,877 9,912 SH SOLE 0 0 9,912
ELI LILLY & CO COM 532457108 331,303 360 SH SOLE 0 0 360
ENTEGRIS INC COM 29362U104 1,688,790 14,405 SH SOLE 0 0 14,405
EVEREST GROUP LTD COM G3223R108 2,740,255 8,384 SH SOLE 0 0 8,384
EXXON MOBIL CORP COM 30231G102 419,292 2,471 SH SOLE 0 0 2,471
FIRST SEISMIC CORP COM 336397104 0 44,451 SH SOLE 0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101 538,800 20,000 SH DFND 20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406 163,000 20,000 SH SOLE 0 0 20,000
GOLD FIELDS LTD-SPONS ADR ADR 38059T106 372,280 8,200 SH DFND 8,200 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 5,489,072 43,867 SH SOLE 0 0 43,867
GOLDMAN SACHS ACTIVEBETA INT COM 381430107 10,638,778 246,668 SH SOLE 0 0 246,668
GROUP 1 AUTOMOTIVE INC COM 398905109 552,152 1,670 SH DFND 1,670 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202 605,034 1,800 SH DFND 1,800 0 0
HA SUSTAINABLE INFRASTRUCTUR COM 41068X100 485,100 13,200 SH DFND 13,200 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100 232,924 8,675 SH DFND 8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101 398,080 16,000 SH DFND 16,000 0 0
HEMPFUSION WELLNESS INC COM 423821107 0 22,222 SH SOLE 0 0 22,222
HUNTINGTON BANCSHARES INC COM 446150104 359,919 22,998 SH SOLE 0 0 22,998
INGLES MARKETS INC-CLASS A COM 457030104 5,246,845 58,370 SH SOLE 0 0 58,370
INTEL CORP COM 458140100 400,921 9,085 SH SOLE 0 0 9,085
INTERCONTINENTAL HOTELS-ADR ADR 45857P806 814,506 6,103 SH DFND 6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101 3,562,236 14,696 SH SOLE 0 0 14,696
INVESCO BULLETSHARES 2026 CB COM 46138J791 7,506,854 384,376 SH SOLE 0 0 384,376
INVESCO BULLETSHARES 2027 CB COM 46138J783 6,849,844 349,037 SH SOLE 0 0 349,037
INVESCO BULLETSHARES 2028 CB COM 46138J643 1,813,643 88,804 SH SOLE 0 0 88,804
INVESCO BULLETSHARES 2028 HY COM 46138J452 1,245,841 57,452 SH SOLE 0 0 57,452
INVESCO BULLETSHARES 2029 CB COM 46138J577 1,722,327 92,299 SH SOLE 0 0 92,299
INVESCO BULLETSHARES 2029 HY COM 46138J395 383,917 18,251 SH SOLE 0 0 18,251
INVESCO BULLETSHARES 2031 CB COM 46138J429 858,322 52,146 SH SOLE 0 0 52,146
INVESCO BULLETSHARES 2032 CB COM 46139W858 794,471 38,589 SH SOLE 0 0 38,589
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 6,460,335 33,662 SH SOLE 0 0 33,662
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332 4,459,085 147,683 SH SOLE 0 0 147,683
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282 940,299 20,776 SH SOLE 0 0 20,776
INVESCO S&P GLOBAL WATER IND COM 46138E263 3,389,120 53,005 SH SOLE 0 0 53,005
INVESCO VARIABLE RATE PREFER COM 46138G870 5,093,289 212,397 SH SOLE 0 0 212,397
ISHARES 7-10 YEAR TREASURY B COM 464287440 3,564,314 37,346 SH SOLE 0 0 37,346
ISHARES CORE 60/40 BALANCED COM 464289867 220,721 3,430 SH SOLE 0 0 3,430
ISHARES CORE 80/20 AGGRESSIV COM 464289859 414,222 4,681 SH SOLE 0 0 4,681
ISHARES CORE S&P MIDCAP ETF COM 464287507 5,104,101 75,583 SH SOLE 0 0 75,583
ISHARES FLOATING RATE BOND E COM 46429B655 6,765,666 132,790 SH SOLE 0 0 132,790
ISHARES GLOBAL HEALTHCARE ET COM 464287325 4,808,556 51,406 SH SOLE 0 0 51,406
ISHARES GLOBAL TECH ETF COM 464287291 4,186,206 41,875 SH SOLE 0 0 41,875
ISHARES GOLD TRUST COM 464285204 235,035 2,666 SH SOLE 0 0 2,666
ISHARES GSCI COMMODITY DYNAM COM 46431W853 405,162 11,984 SH SOLE 0 0 11,984
ISHARES IBONDS DEC 2028 TERM COM 46436E833 4,997,989 224,296 SH SOLE 0 0 224,296
ISHARES LATIN AMERICA 40 ETF COM 464287390 599,436 16,876 SH SOLE 0 0 16,876
ISHARES MSCI EAFE ETF COM 464287465 765,780 7,884 SH SOLE 0 0 7,884
ISHARES MSCI EAFE SMALL-CAP COM 464288273 4,665,085 59,496 SH SOLE 0 0 59,496
ISHARES MSCI INDIA ETF COM 46429B598 553,040 11,807 SH SOLE 0 0 11,807
ISHARES MSCI USA MIN VOL FAC COM 46429B697 303,076 3,268 SH SOLE 0 0 3,268
ISHARES PREFERRED & INCOME S COM 464288687 694,515 22,906 SH SOLE 0 0 22,906
ISHARES RUSSELL 1000 ETF COM 464287622 6,121,417 17,168 SH SOLE 0 0 17,168
ISHARES RUSSELL 1000 GROWTH COM 464287614 449,852 1,055 SH SOLE 0 0 1,055
ISHARES RUSSELL 2000 ETF COM 464287655 1,880,946 7,584 SH SOLE 0 0 7,584
ISHARES RUSSELL MID-CAP ETF COM 464287499 3,493,466 35,930 SH SOLE 0 0 35,930
JAMES HARDIE IND PLC COM G4253H101 473,500 25,000 SH DFND 25,000 0 0
JOHN HANCOCK FINANCIAL OPP COM 409735206 3,191,845 88,984 SH SOLE 0 0 88,984
JOHN HANCOCK MULTI FACT LRG COM 47804J107 2,827,652 36,127 SH SOLE 0 0 36,127
JOHNSON & JOHNSON COM 478160104 4,571,692 18,703 SH SOLE 0 0 18,703
JPMORGAN CHASE & CO COM 46625H100 553,903 1,883 SH SOLE 0 0 1,883
JPMORGAN CHASE & CO COM 46625H100 617,736 2,100 SH DFND 2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837 1,972,993 38,984 SH SOLE 0 0 38,984
KAJIMA CORP-UNSPONSORED ADR ADR 483111209 441,846 11,900 SH DFND 11,900 0 0
KLA CORP COM 482480100 235,586 160 SH SOLE 0 0 160
LENNAR CORP-A COM 526057104 277,888 3,200 SH DFND 3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107 789,021 1,700 SH DFND 1,700 0 0
LOCKHEED MARTIN CORP COM 539830109 2,768,792 4,581 SH SOLE 0 0 4,581
LOWE'S COS INC COM 548661107 3,764,531 15,933 SH SOLE 0 0 15,933
LOWE'S COS INC COM 548661107 614,328 2,600 SH DFND 2,600 0 0
LYNAS RARE EARTHS LTD-SP ADR ADR 551073307 465,060 34,500 SH DFND 34,500 0 0
MARRIOTT INTERNATIONAL -CL A COM 571903202 298,288 912 SH SOLE 0 0 912
MERCK & CO. INC. COM 58933Y105 548,383 4,559 SH SOLE 0 0 4,559
META PLATFORMS INC-CLASS A COM 30303M102 947,065 1,655 SH SOLE 0 0 1,655
METLIFE INC COM 59156R108 2,092,023 29,582 SH SOLE 0 0 29,582
MICROSOFT CORP COM 594918104 2,481,389 6,703 SH SOLE 0 0 6,703
MICROSOFT CORP COM 594918104 555,255 1,500 SH DFND 1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204 601,260 13,200 SH DFND 13,200 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108 286,160 24,500 SH DFND 24,500 0 0
NATURAL GAS SERVICES GROUP COM 63886Q109 264,180 7,000 SH DFND 7,000 0 0
NESTLE SA-SPONS ADR ADR 641069406 272,525 2,750 SH DFND 2,750 0 0
NETAPP INC COM 64110D104 716,730 7,000 SH DFND 7,000 0 0
NICE LTD - SPON ADR ADR 653656108 297,702 2,700 SH DFND 2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109 145,000 50,000 SH DFND 50,000 0 0
NORFOLK SOUTHERN CORP COM 655844108 459,200 1,600 SH DFND 1,600 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109 3,490,490 22,851 SH SOLE 0 0 22,851
NUVEEN PREFERED & INCOME OPP COM 67073B106 3,969,765 526,494 SH SOLE 0 0 526,494
NVIDIA CORP COM 67066G104 2,190,290 12,559 SH SOLE 0 0 12,559
NXP SEMICONDUCTORS NV COM N6596X109 2,233,770 11,347 SH SOLE 0 0 11,347
NYLI CBRE GBL INFR MGA TRM F COM 56064Q107 1,459,254 99,337 SH SOLE 0 0 99,337
OLD REPUBLIC INTL CORP COM 680223104 3,302,765 82,776 SH SOLE 0 0 82,776
OR ROYALTIES INC COM 68390D106 1,507,379 39,647 SH SOLE 0 0 39,647
ORACLE CORP COM 68389X105 897,371 6,100 SH SOLE 0 0 6,100
PEARSON PLC-SPONSORED ADR ADR 705015105 262,600 20,000 SH DFND 20,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833 1,588,181 15,792 SH SOLE 0 0 15,792
PLEXUS CORP COM 729132100 2,925,083 14,442 SH SOLE 0 0 14,442
PROCTER & GAMBLE CO/THE COM 742718109 447,764 3,100 SH DFND 3,100 0 0
QNITY ELECTRONICS INC COM 74743L100 610,014 5,287 SH SOLE 0 0 5,287
QUALCOMM INC COM 747525103 838,705 6,513 SH SOLE 0 0 6,513
REPUBLIC SERVICES INC COM 760759100 219,020 1,000 SH DFND 1,000 0 0
RGC RESOURCES INC COM 74955L103 943,146 42,773 SH SOLE 0 0 42,773
RIO TINTO PLC-SPON ADR ADR 767204100 1,592,672 17,072 SH SOLE 0 0 17,072
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104 596,520 12,000 SH DFND 12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104 3,542,134 313,186 SH SOLE 0 0 313,186
ROYCE SMALL-CAP TRUST INC COM 780910105 263,275 15,860 SH SOLE 0 0 15,860
SCHWAB FNDMNTL US LRG CO ETF COM 808524771 3,842,294 137,964 SH SOLE 0 0 137,964
SCHWAB INTL EQUITY ETF COM 808524805 268,725 10,858 SH SOLE 0 0 10,858
SCHWAB US MID CAP ETF COM 808524508 277,501 8,963 SH SOLE 0 0 8,963
SCHWAB US SMALL-CAP ETF COM 808524607 266,549 9,166 SH SOLE 0 0 9,166
SEAGATE TECHNOLOGY HOLDINGS COM G7997R103 332,996 850 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 853,160 7,000 SH DFND 7,000 0 0
SONOS INC COM 83570H108 1,809,000 135,000 SH SOLE 0 0 135,000
SONY GROUP CORP - SP ADR ADR 835699307 414,000 20,000 SH DFND 20,000 0 0
SOUTHERN CO/THE COM 842587107 1,506,957 15,613 SH SOLE 0 0 15,613
SS CONSUMER DISC SELECT SECT COM 81369Y407 4,584,490 42,067 SH SOLE 0 0 42,067
SS CONSUMER STAPLES SEL SECT COM 81369Y308 4,995,063 60,930 SH SOLE 0 0 60,930
SS ENERGY SELECT SECTOR COM 81369Y506 1,779,730 29,052 SH SOLE 0 0 29,052
SS SPDR P ST C CORP ETF COM 78464A474 1,646,288 54,749 SH SOLE 0 0 54,749
SS SPDR S&P 500 ETF TRUST-US COM 78462F103 1,233,045 1,896 SH SOLE 0 0 1,896
STANDARD BANK GROUP-SPON ADR ADR 853118206 316,936 17,300 SH DFND 17,300 0 0
STATE STREET SPDR S&P MIDCAP COM 78467Y107 851,129 1,380 SH SOLE 0 0 1,380
STELLAR BANCORP INC COM 858927106 1,423,244 38,876 SH SOLE 0 0 38,876
STRYKER CORP COM 863667101 4,262,763 12,973 SH SOLE 0 0 12,973
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100 675,900 2,000 SH DFND 2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101 365,860 5,500 SH DFND 5,500 0 0
TECK RESOURCES LTD-CLS B COM 878742204 207,000 4,000 SH DFND 4,000 0 0
TECNOGLASS INC COM G87264100 772,230 17,334 SH DFND 17,334 0 0
TESLA INC COM 88160R101 253,905 683 SH SOLE 0 0 683
THERMO FISHER SCIENTIFIC INC COM 883556102 491,530 1,000 SH DFND 1,000 0 0
THIRD COAST BANCSHARES INC COM 88422P109 226,980 6,000 SH DFND 6,000 0 0
TOTALENERGIES SE COM F92124100 363,920 4,000 SH DFND 4,000 0 0
UNILEVER PLC-SPONSORED ADR ADR 904767803 354,467 6,222 SH DFND 6,222 0 0
VALMONT INDUSTRIES COM 920253101 4,918,135 12,309 SH SOLE 0 0 12,309
VANECK MORNINGSTAR WIDE MOAT COM 92189F643 2,025,040 20,941 SH SOLE 0 0 20,941
VANECK MSTAR INT MOAT ETF COM 92189F593 545,047 15,960 SH SOLE 0 0 15,960
VANGUARD 0-3M T-BILL ETF COM 922040845 1,109,861 14,671 SH SOLE 0 0 14,671
VANGUARD ENERGY ETF COM 92204A306 2,538,951 14,673 SH SOLE 0 0 14,673
VANGUARD FTSE DEVELOPED ETF COM 921943858 13,660,814 213,184 SH SOLE 0 0 213,184
VANGUARD FTSE EMERGING MARKE COM 922042858 1,659,762 30,708 SH SOLE 0 0 30,708
VANGUARD HIGH DVD YIELD ETF COM 921946406 1,781,890 12,032 SH SOLE 0 0 12,032
VANGUARD INFO TECH ETF COM 92204A702 14,413,952 20,659 SH SOLE 0 0 20,659
VANGUARD S/T CORP BOND ETF COM 92206C409 5,738,846 72,396 SH SOLE 0 0 72,396
VANGUARD TOTAL STOCK MKT ETF COM 922908769 1,750,340 5,456 SH SOLE 0 0 5,456
VEOLIA ENVIRONNEMENT-ADR ADR 92334N103 190,900 10,000 SH DFND 10,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 680,361 13,553 SH SOLE 0 0 13,553
VISA INC-CLASS A SHARES COM 92826C839 543,730 1,799 SH SOLE 0 0 1,799
VOYA FINANCIAL INC COM 929089100 2,732,836 40,001 SH SOLE 0 0 40,001
WALMART DE MEXICO SAB DE CV COM P98180188 32,310 10,016 SH SOLE 0 0 10,016
WALT DISNEY CO/THE COM 254687106 442,466 4,591 SH SOLE 0 0 4,591
WASTE MANAGEMENT INC COM 94106L109 1,261,565 5,490 SH SOLE 0 0 5,490
WESTERN ASSET HI INC OPPORT COM 95766K109 4,380,463 1,206,739 SH SOLE 0 0 1,206,739
WILLIAMS COS INC COM 969457100 2,705,742 37,177 SH SOLE 0 0 37,177