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
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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 LABS COM 002824100   2,381,405 20,952 SH   SOLE Spectrum Asset Management Inc. 20,952 0 0
ABBVIE INC COM 00287Y109   3,909,014 21,466 SH   SOLE Spectrum Asset Management Inc. 21,466 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   31,381 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,015,131 11,584 SH   SOLE Spectrum Asset Management Inc. 11,584 0 0
ALPHABET INC CAP STK CL A 02079K305   710,881 4,710 SH   SOLE Spectrum Asset Management Inc. 4,710 0 0
ALPHABET INC CAP STK CL C 02079K107   309,841 2,035 SH   SOLE Spectrum Asset Management Inc. 2,035 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   1,778,706 70,752 SH   SOLE Spectrum Asset Management Inc. 70,752 0 0
APPLE INC COM 037833100   2,162,267 12,609 SH   SOLE Spectrum Asset Management Inc. 12,609 0 0
APPLE INC PUT 037833100   910 2,000 PRN Put SOLE Spectrum Asset Management Inc. 2,000 0 0
BANK AMERICA CORP COM 060505104   199,894 5,271 SH   SOLE Spectrum Asset Management Inc. 5,271 0 0
BANK AMERICA CORP COM 060505104   19,946 526 SH   DFND Spectrum Asset Management Inc. 0 0 526
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,926,816 9,338 SH   SOLE Spectrum Asset Management Inc. 9,338 0 0
BORGWARNER INC COM 099724106   2,051,328 59,048 SH   SOLE Spectrum Asset Management Inc. 59,048 0 0
BUNGE GLOBAL SA COM SHS H11356104   2,910,031 28,385 SH   SOLE Spectrum Asset Management Inc. 28,385 0 0
CALIDI BIOTHERAPEUTICS INC COM NEW 320703101   94,070 166,494 SH   SOLE Spectrum Asset Management Inc. 166,494 0 0
CHESAPEAKE ENERGY CORP COM 165167735   898,112 10,110 SH   SOLE Spectrum Asset Management Inc. 10,110 0 0
CHEVRON CORP NEW COM 166764100   6,883,708 43,640 SH   SOLE Spectrum Asset Management Inc. 43,640 0 0
CHEVRON CORP NEW COM 166764100   16,563 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   3,165,130 63,417 SH   SOLE Spectrum Asset Management Inc. 63,417 0 0
CISCO SYS INC COM 17275R102   16,121 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
COSTCO WHSL CORP NEW COM 22160K105   1,474,301 2,012 SH   SOLE Spectrum Asset Management Inc. 2,012 0 0
CROWN CASTLE INC COM 22822V101   8,467 80 SH   DFND Spectrum Asset Management Inc. 0 0 80
DEERE & CO COM 244199105   441,065 1,070 SH   SOLE Spectrum Asset Management Inc. 1,070 0 0
DISNEY WALT CO COM 254687106   2,807,130 22,942 SH   SOLE Spectrum Asset Management Inc. 22,942 0 0
DISNEY WALT CO CALL 254687106   35,290 4,000 PRN Call SOLE Spectrum Asset Management Inc. 4,000 0 0
DOMINION ENERGY INC COM 25746U109   758,117 15,412 SH   SOLE Spectrum Asset Management Inc. 15,412 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,173,249 32,812 SH   SOLE Spectrum Asset Management Inc. 32,812 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   18,762 194 SH   DFND Spectrum Asset Management Inc. 0 0 194
EMERSON ELEC CO COM 291011104   3,282,942 28,945 SH   SOLE Spectrum Asset Management Inc. 28,945 0 0
EXXON MOBIL CORP COM 30231G102   4,367,067 37,569 SH   SOLE Spectrum Asset Management Inc. 37,569 0 0
EXXON MOBIL CORP COM 30231G102   19,180 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F631   6,638,312 184,244 SH   SOLE Spectrum Asset Management Inc. 184,244 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   4,968,574 142,366 SH   SOLE Spectrum Asset Management Inc. 142,366 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771   4,675,914 119,558 SH   SOLE Spectrum Asset Management Inc. 119,558 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F631   6,638,312 184,244 SH   SOLE Spectrum Asset Management Inc. 184,244 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   4,968,574 142,366 SH   SOLE Spectrum Asset Management Inc. 142,366 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771   4,675,914 119,558 SH   SOLE Spectrum Asset Management Inc. 119,558 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   856,100 9,417 SH   SOLE Spectrum Asset Management Inc. 9,417 0 0
GENERAL DYNAMICS CORP COM 369550108   4,028,590 14,261 SH   SOLE Spectrum Asset Management Inc. 14,261 0 0
GENERAL DYNAMICS CORP COM 369550108   19,775 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   338,505 7,020 SH   SOLE Spectrum Asset Management Inc. 7,020 0 0
HEARTBEAM INC COM 42238H108   97,882 44,900 SH   SOLE Spectrum Asset Management Inc. 44,900 0 0
HONEYWELL INTL INC COM 438516106   4,614,020 22,480 SH   SOLE Spectrum Asset Management Inc. 22,480 0 0
INTEL CORP COM 458140100   4,690,787 106,198 SH   SOLE Spectrum Asset Management Inc. 106,198 0 0
INTEL CORP COM 458140100   11,485 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTERNATIONAL BUSINESS MACHS COM 459200101   229,152 1,200 SH   SOLE Spectrum Asset Management Inc. 1,200 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,671,714 33,487 SH   SOLE Spectrum Asset Management Inc. 33,487 0 0
ISHARES GOLD TR ISHARES NEW 464285204   9,653,604 229,793 SH   SOLE Spectrum Asset Management Inc. 229,793 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   9,759,219 116,765 SH   SOLE Spectrum Asset Management Inc. 116,765 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,757,585 24,951 SH   SOLE Spectrum Asset Management Inc. 24,951 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,452,682 40,380 SH   SOLE Spectrum Asset Management Inc. 40,380 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,302,149 20,026 SH   SOLE Spectrum Asset Management Inc. 20,026 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   1,876,425 77,957 SH   SOLE Spectrum Asset Management Inc. 77,957 0 0
ISHARES TR 20 YR TR BD ETF 464287432   791,970 8,370 SH   SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR RUS 1000 ETF 464287622   704,939 2,447 SH   SOLE Spectrum Asset Management Inc. 2,447 0 0
ISHARES TR US AER DEF ETF 464288760   520,464 3,945 SH   SOLE Spectrum Asset Management Inc. 3,945 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   459,355 20,729 SH   SOLE Spectrum Asset Management Inc. 20,729 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   320,110 13,780 SH   SOLE Spectrum Asset Management Inc. 13,780 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   316,987 13,958 SH   SOLE Spectrum Asset Management Inc. 13,958 0 0
ISHARES TR CORE S&P500 ETF 464287200   278,637 530 SH   SOLE Spectrum Asset Management Inc. 530 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   245,340 3,000 SH   SOLE Spectrum Asset Management Inc. 3,000 0 0
ISHARES TR US TREAS BD ETF 46429B267   213,697 9,385 SH   SOLE Spectrum Asset Management Inc. 9,385 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   3,445,401 16,168 SH   SOLE Spectrum Asset Management Inc. 16,168 0 0
MARRIOTT INTL INC NEW CL A 571903202   509,667 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   511,506 1,814 SH   SOLE Spectrum Asset Management Inc. 1,814 0 0
MCKESSON CORP COM 58155Q103   322,482 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   3,542,682 40,340 SH   SOLE Spectrum Asset Management Inc. 40,340 0 0
MEDTRONIC PLC SHS G5960L103   16,075 183 SH   DFND Spectrum Asset Management Inc. 0 0 183
MERCADOLIBRE INC COM 58733R102   334,144 221 SH   SOLE Spectrum Asset Management Inc. 221 0 0
MICROSOFT CORP COM 594918104   5,156,928 12,257 SH   SOLE Spectrum Asset Management Inc. 12,257 0 0
MICROSOFT CORP COM 594918104   14,305 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   555,066 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   375,873 3,984 SH   SOLE Spectrum Asset Management Inc. 3,984 0 0
NORTHROP GRUMMAN CORP COM 666807102   274,751 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104   476,152 527 SH   SOLE Spectrum Asset Management inc. 527 0 0
ORACLE CORP COM 68389X105   3,501,756 27,878 SH   SOLE Spectrum Asset Management Inc. 27,878 0 0
PAYPAL HLDGS INC COM 70450Y103   269,970 4,030 SH   SOLE Spectrum Asset Management Inc. 4,030 0 0
PEPSICO INC COM 713448108   257,186 1,459 SH   SOLE Spectrum Asset Management Inc. 1,459 0 0
PFIZER INC COM 717081103   395,993 14,270 SH   SOLE Spectrum Asset Management Inc. 14,270 0 0
PFIZER INC COM 717081103   9,158 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
PFIZER INC CALL 717081103   16,198 9,500 PRN Call SOLE Spectrum Asset Management Inc. 9,500 0 0
PIONEER NAT RES CO COM 723787107   240,713 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
PRICESMART INC COM 741511109   780,360 9,290 SH   SOLE Spectrum Asset Management Inc. 9,290 0 0
QUALCOMM INC COM 747525103   2,270,652 13,412 SH   SOLE Spectrum Asset Management Inc. 13,412 0 0
ROCKWELL AUTOMATION INC COM 773903109   784,261 2,692 SH   SOLE Spectrum Asset Management Inc. 2,692 0 0
ROYAL BK CDA COM 780087102   201,760 2,000 SH   SOLE Spectrum Asset Management Inc. 2,000 0 0
RTX CORPORATION COM 75513E101   1,139,355 11,682 SH   SOLE Spectrum Asset Management Inc. 11,682 0 0
RTX CORPORATION COM 75513E101   18,531 190 SH   DFND Spectrum Asset Management Inc. 0 0 190
SCHLUMBERGER LTD COM STK 806857108   931,452 16,907 SH   SOLE Spectrum Asset Management Inc. 16,907 0 0
SCHWAB CHARLES CORP COM 808513105   5,507,880 76,139 SH   SOLE Spectrum Asset Management Inc. 76,139 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   4,028,000 4,028,000 SH   SOLE Spectrum Asset Management Inc. 4,028,000 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   16,527,644 217,526 SH   SOLE Spectrum Asset Management Inc. 217,526 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,510,839 91,791 SH   SOLE Spectrum Asset Management Inc. 91,791 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,726,615 146,761 SH   SOLE Spectrum Asset Management Inc. 146,761 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,283,369 37,402 SH   SOLE Spectrum Asset Management Inc. 37,402 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   489,988 5,190 SH   SOLE Spectrum Asset Management Inc. 5,190 0 0
SEMPRA COM 816851109   2,899,331 40,063 SH   SOLE Spectrum Asset Management Inc. 40,063 0 0
SKYLINE CHAMPION CORPORATION COM 830830105   328,904 3,869 SH   SOLE Spectrum Asset Management Inc. 3,869 0 0
SPDR GOLD TR GOLD SHS 78463V107   237,401 1,154 SH   SOLE Spectrum Asset Management Inc. 1,154 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   282,599 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,331,756 2,538 SH   SOLE Spectrum Asset Management Inc. 2,538 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113   62,916 1,070,000 SH   SOLE Spectrum Asset Management Inc. 1,070,000 0 0
TENON MEDICAL INC COM NEW 88066N204   79,098 83,261 SH   SOLE Spectrum Asset Management Inc. 83,261 0 0
TESLA INC COM 88160R101   754,542 4,292 SH   SOLE Spectrum Asset Management Inc. 4,292 0 0
TEXAS INSTRS INC COM 882508104   296,157 1,700 SH   SOLE Spectrum Asset Management Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102   570,390 1,153 SH   SOLE Spectrum Asset Management Inc. 1,153 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,725,720 7,919 SH   SOLE Spectrum Asset Management Inc. 7,919 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   408,827 1,573 SH   SOLE Spectrum Asset Management Inc. 1,573 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,914,273 58,127 SH   SOLE Spectrum Asset Management Inc. 58,127 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,193,498 9,204 SH   SOLE Spectrum Asset Management Inc. 9,204 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   845,878 16,860 SH   SOLE Spectrum Asset Management Inc. 16,860 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,089,486 73,629 SH   SOLE Spectrum Asset Management Inc. 73,629 0 0
VISA INC COM CL A 92826C839   1,371,338 4,914 SH   SOLE Spectrum Asset Management Inc. 4,914 0 0
VOLITIONRX LTD COM 928661107   42,087 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   4,740,696 78,523 SH   SOLE Spectrum Asset Management Inc. 78,523 0 0