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   1,846,780 18,238 SH   SOLE Spectrum Asset Management Inc. 18,238 0 0
ABBVIE INC COM 00287Y109   4,061,196 25,483 SH   SOLE Spectrum Asset Management Inc. 25,483 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   29,812 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,607,209 12,621 SH   SOLE Spectrum Asset Management Inc. 12,621 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   353,385 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
ALKERMES PLC SHS G01767105   313,896 11,135 SH   SOLE Spectrum Asset Management Inc. 11,135 0 0
ALPHABET INC CAP STK CL A 02079K305   650,388 6,270 SH   SOLE Spectrum Asset Management Inc. 6,270 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   2,920,750 101,875 SH   SOLE Spectrum Asset Management Inc. 101,875 0 0
APPLE INC COM 037833100   3,366,765 20,417 SH   SOLE Spectrum Asset Management Inc. 20,417 0 0
APPLE INC PUT 037833100   2,190 2,000 PRN Put SOLE Spectrum Asset Management Inc. 2,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,819,071 9,130 SH   SOLE Spectrum Asset Management Inc. 9,130 0 0
BORGWARNER INC COM 099724106   2,877,110 58,585 SH   SOLE Spectrum Asset Management Inc. 58,585 0 0
BUNGE LIMITED COM G16962105   2,855,571 29,895 SH   SOLE Spectrum Asset Management Inc. 29,895 0 0
CF INDS HLDGS INC COM 125269100   1,886,915 26,030 SH   SOLE Spectrum Asset Management Inc. 26,030 0 0
CHESAPEAKE ENERGY CORP COM 165167735   2,734,257 35,958 SH   SOLE Spectrum Asset Management Inc. 35,958 0 0
CHEVRON CORP NEW COM 166764100   7,524,136 46,115 SH   SOLE Spectrum Asset Management Inc. 46,115 0 0
CHEVRON CORP NEW COM 166764100   17,132 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   4,990,323 95,463 SH   SOLE Spectrum Asset Management Inc. 95,463 0 0
CISCO SYS INC COM 17275R102   16,885 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
COSTCO WHSL CORP NEW COM 22160K105   1,008,299 2,029 SH   SOLE Spectrum Asset Management Inc. 2,029 0 0
DANAHER CORPORATION COM 235851102   821,774 3,257 SH   SOLE Spectrum Asset Management Inc. 3,257 0 0
DEERE & CO COM 244199105   1,296,642 3,131 SH   SOLE Spectrum Asset Management Inc. 3,131 0 0
DISNEY WALT CO COM 254687106   336,137 3,357 SH   SOLE Spectrum Asset Management Inc. 3,357 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,481,024 36,084 SH   SOLE Spectrum Asset Management Inc. 36,084 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   16,207 168 SH   DFND Spectrum Asset Management Inc. 0 0 168
EDISON INTL COM 281020107   328,258 4,602 SH   SOLE Spectrum Asset Management Inc. 4,602 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   226,350 2,736 SH   SOLE Spectrum Asset Management Inc. 2,736 0 0
EMERSON ELEC CO COM 291011104   2,500,047 28,690 SH   SOLE Spectrum Asset Management Inc. 28,690 0 0
EOG RES INC COM 26875P101   761,488 6,643 SH   SOLE Spectrum Asset Management Inc. 6,643 0 0
EXXON MOBIL CORP COM 30231G102   4,514,461 41,168 SH   SOLE Spectrum Asset Management Inc. 41,168 0 0
EXXON MOBIL CORP COM 30231G102   18,094 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GENERAL DYNAMICS CORP COM 369550108   3,385,496 14,835 SH   SOLE Spectrum Asset Management Inc. 14,835 0 0
GENERAL DYNAMICS CORP COM 369550108   15,975 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   305,428 7,342 SH   SOLE Spectrum Asset Management Inc. 7,342 0 0
HONEYWELL INTL INC COM 438516106   4,376,840 22,901 SH   SOLE Spectrum Asset Management Inc. 22,901 0 0
INMODE LTD SHS M5425M103   267,346 8,365 SH   SOLE Spectrum Asset Management Inc. 8,365 0 0
INTEL CORP COM 458140100   3,213,748 98,370 SH   SOLE Spectrum Asset Management Inc. 98,370 0 0
INTEL CORP CALL 458140100   46,500 10,000 PRN Call SOLE Spectrum Asset Management Inc. 10,000 0 0
INTEL CORP COM 458140100   8,495 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTUIT COM 461202103   771,732 1,731 SH   SOLE Spectrum Asset Management Inc. 1,731 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,257,227 36,352 SH   SOLE Spectrum Asset Management Inc. 36,352 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,762,999 180,974 SH   SOLE Spectrum Asset Management Inc. 180,974 0 0
ISHARES TR US TREAS BD ETF 46429B267   28,659,239 1,225,801 SH   SOLE Spectrum Asset Management Inc. 1,225,801 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   5,571,820 61,601 SH   SOLE Spectrum Asset Management Inc. 61,601 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,832,817 52,692 SH   SOLE Spectrum Asset Management Inc. 52,692 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   916,804 36,953 SH   SOLE Spectrum Asset Management Inc. 36,953 0 0
ISHARES TR CORE S&P500 ETF 464287200   585,693 1,425 SH   SOLE Spectrum Asset Management Inc. 1,425 0 0
ISHARES TR RUS 1000 ETF 464287622   547,316 2,430 SH   SOLE Spectrum Asset Management Inc. 2,430 0 0
ISHARES TR CORE TOTAL USD 46434V613   307,498 6,663 SH   SOLE Spectrum Asset Management Inc. 6,663 0 0
ISHARES TR EAFE VALUE ETF 464288877   262,305 5,405 SH   SOLE Spectrum Asset Management Inc. 5,405 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   246,480 3,000 SH   SOLE Spectrum Asset Management Inc. 3,000 0 0
ISHARES TR EAFE GRWTH ETF 464288885   228,111 2,435 SH   SOLE Spectrum Asset Management Inc. 2,435 0 0
KINDER MORGAN INC DEL COM 49456B101   2,451,072 139,981 SH   SOLE Spectrum Asset Management Inc. 139,981 0 0
MARRIOTT INTL INC NEW CL A 571903202   335,401 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   506,727 1,812 SH   SOLE Spectrum Asset Management Inc. 1,812 0 0
MCKESSON CORP COM 58155Q103   213,954 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   2,257,012 27,766 SH   SOLE Spectrum Asset Management Inc. 27,766 0 0
MEDTRONIC PLC SHS G5960L103   12,521 154 SH   DFND Spectrum Asset Management Inc. 0 0 154
MICROSOFT CORP COM 594918104   3,858,827 13,385 SH   SOLE Spectrum Asset Management Inc. 13,385 0 0
MICROSOFT CORP COM 594918104   9,803 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   365,454 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   531,251 4,320 SH   SOLE Spectrum Asset Management Inc. 4,320 0 0
NORTHROP GRUMMAN CORP COM 666807102   265,028 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
ORACLE CORP COM 68389X105   2,918,153 31,405 SH   SOLE Spectrum Asset Management Inc. 31,405 0 0
PEPSICO INC COM 713448108   525,688 2,884 SH   SOLE Spectrum Asset Management Inc. 2,884 0 0
PFIZER INC COM 717081103   273,768 6,710 SH   SOLE Spectrum Asset Management Inc. 6,710 0 0
PFIZER INC COM 717081103   13,464 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
PROSHARES TR SHORT S&P 500 NE 74347B425   9,936,915 662,461 SH   SOLE Spectrum Asset Management Inc. 662,461 0 0
QUALCOMM INC COM 747525103   1,615,546 12,663 SH   SOLE Spectrum Asset Management Inc. 12,663 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   354,742 3,622 SH   SOLE Spectrum Asset Management Inc. 3,622 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   17,138 175 SH   DFND Spectrum Asset Management Inc. 0 0 175
ROCKWELL AUTOMATION INC COM 773903109   1,092,515 3,723 SH   SOLE Spectrum Asset Management Inc. 3,723 0 0
SCHWAB CHARLES CORP COM 808513105   3,509,196 66,995 SH   SOLE Spectrum Asset Management Inc. 66,995 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,293,433 233,203 SH   SOLE Spectrum Asset Management Inc. 233,203 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,073,782 93,199 SH   SOLE Spectrum Asset Management Inc. 93,199 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,090,506 60,072 SH   SOLE Spectrum Asset Management Inc. 60,072 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,746,168 36,493 SH   SOLE Spectrum Asset Management Inc. 36,493 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   237,526 4,710 SH   SOLE Spectrum Asset Management Inc. 4,710 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,180,180 38,394 SH   SOLE Spectrum Asset Management Inc. 38,394 0 0
SEMPRA COM 816851109   3,057,841 20,075 SH   SOLE Spectrum Asset Management Inc. 20,075 0 0
SPDR GOLD TR GOLD SHS 78463V107   229,758 1,254 SH   SOLE Spectrum Asset Management Inc. 1,254 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   253,267 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,049,029 2,553 SH   SOLE Spectrum Asset Management Inc. 2,553 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   276,425 17,880 SH   SOLE Spectrum Asset Management Inc. 17,880 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   323,843 38,830 SH   SOLE Spectrum Asset Management Inc. 38,830 0 0
STRYKER CORPORATION COM 863667101   989,177 3,456 SH   SOLE Spectrum Asset Management Inc. 3,456 0 0
TENON MEDICAL INC COM 88066N105   334,152 188,786 SH   SOLE Spectrum Asset Management Inc. 188,786 0 0
TESLA INC COM 88160R101   1,083,624 5,223 SH   SOLE Spectrum Asset Management Inc. 5,223 0 0
TEXAS INSTRS INC COM 882508104   337,609 1,815 SH   SOLE Spectrum Asset Management Inc. 1,815 0 0
UNITEDHEALTH GROUP INC COM 91324P102   544,897 1,153 SH   SOLE Spectrum Asset Management Inc. 1,153 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,242,466 8,990 SH   SOLE Spectrum Asset Management Inc. 8,990 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   394,325 1,932 SH   SOLE Spectrum Asset Management Inc. 1,932 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,096,619 16,619 SH   SOLE Spectrum Asset Management Inc. 16,619 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   895,597 19,827 SH   SOLE Spectrum Asset Management Inc. 19,827 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,636,358 42,077 SH   SOLE Spectrum Asset Management Inc. 42,077 0 0
VISA INC COM CL A 92826C839   413,592 1,834 SH   SOLE Spectrum Asset Management Inc. 1,834 0 0
VOLITIONRX LTD COM 928661107   106,189 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   1,385,097 9,362 SH   SOLE Spectrum Asset Management Inc. 9,362 0 0