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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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
ABBOTT LABS COM 002824100 2,092 17,672 SH   SOLE Spectrum Asset Management, Inc. 17,672 0 0
ABBVIE INC COM 00287Y109 3,906 24,098 SH   SOLE Spectrum Asset Management, Inc. 24,098 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 38 11,207 SH   SOLE Spectrum Asset Management, Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,023 11,929 SH   SOLE Spectrum Asset Management, Inc. 11,929 0 0
ADVISORSHARES TR PURE US CANNABIS 00768Y453 252 12,070 SH   SOLE Spectrum Asset Management, Inc. 12,070 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 755 5,704 SH   SOLE Spectrum Asset Management, Inc. 5,704 0 0
ALPHABET INC CAP STK CL A 02079K305 659 237 SH   SOLE Spectrum Asset Management, Inc. 237 0 0
ALPHABET INC CAP STK CL C 02079K107 433 155 SH   SOLE Spectrum Asset Management, Inc. 155 0 0
ALTRIA GROUP INC COM 02209S103 377 7,214 SH   SOLE Spectrum Asset Management, Inc. 7,214 0 0
ALTRIA GROUP INC COM 02209S103 10 199 SH   DFND Spectrum Asset Management, Inc. 0 0 199
AMAZON COM INC COM 023135106 398 122 SH   SOLE Spectrum Asset Management, Inc. 122 0 0
AMERICOLD RLTY TR COM 03064D108 2,161 77,520 SH   SOLE Spectrum Asset Management, Inc. 77,520 0 0
APPLE INC COM 037833100 4,011 22,971 SH   SOLE Spectrum Asset Management, Inc. 22,971 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 714 1,069 SH   SOLE Spectrum Asset Management, Inc. 1,069 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,027 11,410 SH   SOLE Spectrum Asset Management, Inc. 11,410 0 0
BIO-TECHNE CORP COM 09073M104 828 1,911 SH   SOLE Spectrum Asset Management, Inc. 1,911 0 0
BK OF AMERICA CORP COM 060505104 226 5,487 SH   SOLE Spectrum Asset Management, Inc. 5,487 0 0
BK OF AMERICA CORP COM 060505104 18 433 SH   DFND Spectrum Asset Management, Inc. 0 0 433
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107 213 16,300 SH   SOLE Spectrum Asset Management, Inc. 16,300 0 0
BORGWARNER INC COM 099724106 2,343 60,235 SH   SOLE Spectrum Asset Management, Inc. 60,235 0 0
BP PLC SPONSORED ADR 055622104 317 10,784 SH   SOLE Spectrum Asset Management, Inc. 10,784 0 0
BUNGE LIMITED COM G16962105 2,944 26,565 SH   SOLE Spectrum Asset Management, Inc. 26,565 0 0
CF INDS HLDGS INC COM 125269100 1,564 15,180 SH   SOLE Spectrum Asset Management, Inc. 15,180 0 0
CHEVRON CORP NEW COM 166764100 8,499 52,197 SH   SOLE Spectrum Asset Management, Inc. 52,197 0 0
CHEVRON CORP NEW COM 166764100 17 105 SH   DFND Spectrum Asset Management, Inc. 0 0 105
CISCO SYS INC COM 17275R102 4,193 75,202 SH   SOLE Spectrum Asset Management, Inc. 75,202 0 0
CISCO SYS INC COM 17275R102 14 256 SH   DFND Spectrum Asset Management, Inc. 0 0 256
COINBASE GLOBAL INC COM CL A 19260Q107 1,947 10,254 SH   SOLE Spectrum Asset Management, Inc. 10,254 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,504 2,612 SH   SOLE Spectrum Asset Management, Inc. 2,612 0 0
DANAHER CORPORATION COM 235851102 906 3,089 SH   SOLE Spectrum Asset Management, Inc. 3,089 0 0
DEERE & CO COM 244199105 1,493 3,593 SH   SOLE Spectrum Asset Management, Inc. 3,593 0 0
DISNEY WALT CO COM 254687106 460 3,352 SH   SOLE Spectrum Asset Management, Inc. 3,352 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 3,093 27,700 SH   SOLE Spectrum Asset Management, Inc. 27,700 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 15 134 SH   DFND Spectrum Asset Management, Inc. 0 0 134
EDISON INTL COM 281020107 320 4,559 SH   SOLE Spectrum Asset Management, Inc. 4,559 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 320 2,716 SH   SOLE Spectrum Asset Management, Inc. 2,716 0 0
EMERSON ELEC CO COM 291011104 2,577 26,285 SH   SOLE Spectrum Asset Management, Inc. 26,285 0 0
EXXON MOBIL CORP COM 30231G102 5,223 63,238 SH   SOLE Spectrum Asset Management, Inc. 63,238 0 0
EXXON MOBIL CORP COM 30231G102 14 165 SH   DFND Spectrum Asset Management, Inc. 0 0 165
GENERAL DYNAMICS CORP COM 369550108 3,987 16,530 SH   SOLE Spectrum Asset Management, Inc. 16,530 0 0
GENERAL DYNAMICS CORP COM 369550108 12 50 SH   DFND Spectrum Asset Management, Inc. 0 0 50
GLOBAL X FDS GLBL X MLP ETF 37954Y343 619 15,357 SH   SOLE Spectrum Asset Management, Inc. 15,357 0 0
GOLD TR ISHARES NEW 464285204 4,670 126,812 SH   SOLE Spectrum Asset Management, Inc. 126,812 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,365 4,136 SH   SOLE Spectrum Asset Management, Inc. 4,136 0 0
HONEYWELL INTL INC COM 438516106 3,531 18,147 SH   SOLE Spectrum Asset Management, Inc. 18,147 0 0
ILLUMINA INC COM 452327109 276 790 SH   SOLE Spectrum Asset Management, Inc. 790 0 0
INTEL CORP COM 458140100 2,934 59,210 SH   SOLE Spectrum Asset Management, Inc. 59,210 0 0
INTEL CORP COM 458140100 13 260 SH   DFND Spectrum Asset Management, Inc. 0 0 260
INTUIT COM 461202103 843 1,754 SH   SOLE Spectrum Asset Management, Inc. 1,754 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 277 765 SH   SOLE Spectrum Asset Management, Inc. 765 0 0
ISHARES TR CORE TOTAL USD 46434V613 17,519 352,983 SH   SOLE Spectrum Asset Management, Inc. 352,983 0 0
ISHARES TR US TREAS BD ETF 46429B267 14,325 575,056 SH   SOLE Spectrum Asset Management, Inc. 575,056 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 10,969 108,224 SH   SOLE Spectrum Asset Management, Inc. 108,224 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,175 28,037 SH   SOLE Spectrum Asset Management, Inc. 28,037 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,603 31,900 SH   SOLE Spectrum Asset Management, Inc. 31,900 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,466 15,226 SH   SOLE Spectrum Asset Management, Inc. 15,226 0 0
ISHARES TR CORE S&P500 ETF 464287200 629 1,386 SH   SOLE Spectrum Asset Management, Inc. 1,386 0 0
ISHARES TR RUS 1000 ETF 464287622 616 2,463 SH   SOLE Spectrum Asset Management, Inc. 2,463 0 0
ISHARES TR NATIONAL MUN ETF 464288414 553 5,040 SH   SOLE Spectrum Asset Management, Inc. 5,040 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882 547 21,809 SH   SOLE Spectrum Asset Management, Inc. 21,809 0 0
ISHARES TR CORE US AGGBD ET 464287226 381 3,554 SH   SOLE Spectrum Asset Management, Inc. 3,554 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 346 4,150 SH   SOLE Spectrum Asset Management, Inc. 4,150 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 314 6,477 SH   SOLE Spectrum Asset Management, Inc. 6,477 0 0
ISHARES TR FALN ANGLS USD 46435G474 310 11,162 SH   SOLE Spectrum Asset Management, Inc. 11,162 0 0
ISHARES TR 20 YR TR BD ETF 464287432 248 1,875 SH   SOLE Spectrum Asset Management, Inc. 1,875 0 0
ISHARES TR TIPS BD ETF 464287176 244 1,959 SH   SOLE Spectrum Asset Management, Inc. 1,959 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 206 3,090 SH   SOLE Spectrum Asset Management, Inc. 3,090 0 0
ISHARES TR CORE S&P SCP ETF 464287804 202 1,875 SH   SOLE Spectrum Asset Management, Inc. 1,875 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,225 44,896 SH   SOLE Spectrum Asset Management, Inc. 44,896 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 299 7,472 SH   SOLE Spectrum Asset Management, Inc. 7,472 0 0
KINDER MORGAN INC DEL COM 49456B101 2,620 138,559 SH   SOLE Spectrum Asset Management, Inc. 138,559 0 0
M & T BK CORP COM 55261F104 245 1,445 SH   SOLE Spectrum Asset Management, Inc. 1,445 0 0
MARRIOTT INTL INC NEW CL A 571903202 355 2,020 SH   SOLE Spectrum Asset Management, Inc. 2,020 0 0
MCDONALDS CORP COM 580135101 361 1,458 SH   SOLE Spectrum Asset Management, Inc. 1,458 0 0
MEDTRONIC PLC SHS G5960L103 3,098 27,921 SH   SOLE Spectrum Asset Management, Inc. 27,921 0 0
MEDTRONIC PLC SHS G5960L103 15 132 SH   DFND Spectrum Asset Management, Inc. 0 0 132
MICROSOFT CORP COM 594918104 5,367 17,407 SH   SOLE Spectrum Asset Management, Inc. 17,407 0 0
MICROSOFT CORP COM 594918104 10 34 SH   DFND Spectrum Asset Management, Inc. 0 0 34
MORNINGSTAR INC COM 617700109 492 1,800 SH   SOLE Spectrum Asset Management, Inc. 1,800 0 0
NIKE INC CL B 654106103 599 4,454 SH   SOLE Spectrum Asset Management, Inc. 4,454 0 0
NORTHROP GRUMMAN CORP COM 666807102 257 574 SH   SOLE Spectrum Asset Management, Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104 883 3,237 SH   SOLE Spectrum Asset Management, Inc. 3,237 0 0
ORACLE CORP COM 68389X105 2,950 35,660 SH   SOLE Spectrum Asset Management, Inc. 35,660 0 0
PEPSICO INC COM 713448108 546 3,260 SH   SOLE Spectrum Asset Management, Inc. 3,260 0 0
PFIZER INC COM 717081103 355 6,855 SH   SOLE Spectrum Asset Management, Inc. 6,855 0 0
PFIZER INC COM 717081103 15 288 SH   DFND Spectrum Asset Management, Inc. 0 0 288
PIONEER NAT RES CO COM 723787107 229 917 SH   SOLE Spectrum Asset Management, Inc. 917 0 0
PNC FINL SVCS GROUP INC COM 693475105 203 1,100 SH   SOLE Spectrum Asset Management, Inc. 1,100 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 11,987 850,713 SH   SOLE Spectrum Asset Management, Inc. 850,713 0 0
PUBLIC STORAGE COM 74460D109 2,673 6,850 SH   SOLE Spectrum Asset Management, Inc. 6,850 0 0
QUALCOMM INC COM 747525103 2,745 17,965 SH   SOLE Spectrum Asset Management, Inc. 17,965 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 362 3,649 SH   SOLE Spectrum Asset Management, Inc. 3,649 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 17 171 SH   DFND Spectrum Asset Management, Inc. 0 0 171
ROCKWELL AUTOMATION INC COM 773903109 829 2,960 SH   SOLE Spectrum Asset Management, Inc. 2,960 0 0
ROYAL BK CDA COM 780087102 221 2,000 SH   SOLE Spectrum Asset Management, Inc. 2,000 0 0
SCHWAB CHARLES CORP COM 808513105 4,916 58,314 SH   SOLE Spectrum Asset Management, Inc. 58,314 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 21,128 295,946 SH   SOLE Spectrum Asset Management, Inc. 295,946 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,222 123,257 SH   SOLE Spectrum Asset Management, Inc. 123,257 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,827 213,150 SH   SOLE Spectrum Asset Management, Inc. 213,150 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,020 37,839 SH   SOLE Spectrum Asset Management, Inc. 37,839 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,171 93,819 SH   SOLE Spectrum Asset Management, Inc. 93,819 0 0
SEMPRA COM 816851109 3,296 19,606 SH   SOLE Spectrum Asset Management, Inc. 19,606 0 0
SHELL PLC SPON ADS 780259305 346 6,300 SH   SOLE Spectrum Asset Management, Inc. 6,300 0 0
SKYLINE CHAMPION CORPORATION COM 830830105 215 3,910 SH   SOLE Spectrum Asset Management, Inc. 3,910 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 763 22,249 SH   SOLE Spectrum Asset Management, Inc. 22,249 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,313 2,908 SH   SOLE Spectrum Asset Management, Inc. 2,908 0 0
STRYKER CORPORATION COM 863667101 915 3,421 SH   SOLE Spectrum Asset Management, Inc. 3,421 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 796 7,635 SH   SOLE Spectrum Asset Management, Inc. 7,635 0 0
TESLA INC COM 88160R101 2,247 2,085 SH   SOLE Spectrum Asset Management, Inc. 2,085 0 0
TEXAS INSTRS INC COM 882508104 312 1,700 SH   SOLE Spectrum Asset Management, Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102 525 1,029 SH   SOLE Spectrum Asset Management, Inc. 1,029 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 251 3,220 SH   SOLE Spectrum Asset Management, Inc. 3,220 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,665 12,743 SH   SOLE Spectrum Asset Management, Inc. 12,743 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 814 3,577 SH   SOLE Spectrum Asset Management, Inc. 3,577 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 576 11,242 SH   SOLE Spectrum Asset Management, Inc. 11,242 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,493 57,542 SH   SOLE Spectrum Asset Management, Inc. 57,542 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 609 2,940 SH   SOLE Spectrum Asset Management, Inc. 2,940 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,198 24,946 SH   SOLE Spectrum Asset Management, Inc. 24,946 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,306 45,268 SH   SOLE Spectrum Asset Management, Inc. 45,268 0 0
VISA INC COM CL A 92826C839 484 2,182 SH   SOLE Spectrum Asset Management, Inc. 2,182 0 0
VOLITIONRX LTD COM 928661107 167 55,596 SH   SOLE Spectrum Asset Management, Inc. 55,596 0 0
WALMART INC COM 931142103 2,644 17,755 SH   SOLE Spectrum Asset Management, Inc. 17,755 0 0
WELLS FARGO CO NEW COM 949746101 598 12,334 SH   SOLE Spectrum Asset Management, Inc. 12,334 0 0