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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,849,397 16,802 SH   SOLE Spectrum Asset Management Inc. 16,802 0 0
ABBVIE INC COM 00287Y109   3,400,981 21,946 SH   SOLE Spectrum Asset Management Inc. 21,946 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   30,680 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,663,150 10,439 SH   SOLE Spectrum Asset Management Inc. 10,439 0 0
ALPHABET INC CAP STK CL A 02079K305   657,940 4,710 SH   SOLE Spectrum Asset Management Inc. 4,710 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   2,672,205 87,642 SH   SOLE Spectrum Asset Management Inc. 87,642 0 0
APPLE INC COM 037833100   3,835,995 19,924 SH   SOLE Spectrum Asset Management Inc. 19,924 0 0
APPLE INC PUT 037833100   2,217 3,300 PRN Put SOLE Spectrum Asset Management Inc. 3,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,983,461 8,365 SH   SOLE Spectrum Asset Management Inc. 8,365 0 0
BORGWARNER INC COM 099724106   2,188,213 61,038 SH   SOLE Spectrum Asset Management Inc. 61,038 0 0
BUNGE GLOBAL SA COM SHS H11356104   2,742,509 27,167 SH   SOLE Spectrum Asset Management Inc. 27,167 0 0
CALIDI BIOTHERAPEUTICS INC COM NEW 320703101   251,406 166,494 SH   SOLE Spectrum Asset Management Inc. 166,494 0 0
CF INDS HLDGS INC COM 125269100   2,224,331 27,979 SH   SOLE Spectrum Asset Management Inc. 27,979 0 0
CHESAPEAKE ENERGY CORP COM 165167735   739,000 9,605 SH   SOLE Spectrum Asset Management Inc. 9,605 0 0
CHEVRON CORP NEW COM 166764100   6,288,831 42,162 SH   SOLE Spectrum Asset Management Inc. 42,162 0 0
CHEVRON CORP NEW COM 166764100   15,662 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   3,373,278 66,771 SH   SOLE Spectrum Asset Management Inc. 66,771 0 0
CISCO SYS INC COM 17275R102   16,318 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CONOCOPHILLIPS COM 20825C104   938,543 8,086 SH   SOLE Spectrum Asset Management Inc. 8,086 0 0
CONOCOPHILLIPS COM 20825C104   17,643 152 SH   DFND Spectrum Asset Management Inc. 0 0 152
COSTCO WHSL CORP NEW COM 22160K105   1,369,581 2,029 SH   SOLE Spectrum Asset Management Inc. 2,029 0 0
DEERE & CO COM 244199105   1,256,596 3,131 SH   SOLE Spectrum Asset Management Inc. 3,131 0 0
DISNEY WALT CO CALL 254687106   6,270 4,000 PRN Call SOLE Spectrum Asset Management Inc. 4,000 0 0
DISNEY WALT CO COM 254687106   308,627 3,407 SH   SOLE Spectrum Asset Management Inc. 3,407 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,034,441 31,270 SH   SOLE Spectrum Asset Management Inc. 31,270 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   18,826 194 SH   DFND Spectrum Asset Management Inc. 0 0 194
EDWARDS LIFESCIENCES CORP COM 28176E108   210,527 2,761 SH   SOLE Spectrum Asset Management Inc. 2,761 0 0
EMERSON ELEC CO COM 291011104   2,507,416 25,762 SH   SOLE Spectrum Asset Management Inc. 25,762 0 0
EXXON MOBIL CORP COM 30231G102   3,477,431 34,781 SH   SOLE Spectrum Asset Management Inc. 34,781 0 0
EXXON MOBIL CORP COM 30231G102   16,497 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   740,108 9,572 SH   SOLE Spectrum Asset Management Inc. 9,572 0 0
GENERAL DYNAMICS CORP COM 369550108   3,456,208 13,310 SH   SOLE Spectrum Asset Management Inc. 13,310 0 0
GENERAL DYNAMICS CORP COM 369550108   18,177 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   310,986 7,020 SH   SOLE Spectrum Asset Management Inc. 7,020 0 0
HEARTBEAM INC COM 42238H108   105,515 44,900 SH   SOLE Spectrum Asset Management Inc. 44,900 0 0
HONEYWELL INTL INC COM 438516106   4,417,542 21,065 SH   SOLE Spectrum Asset Management Inc. 21,065 0 0
INTEL CORP COM 458140100   5,069,878 100,893 SH   SOLE Spectrum Asset Management Inc. 100,893 0 0
INTEL CORP COM 458140100   13,065 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,639,776 23,066 SH   SOLE Spectrum Asset Management Inc. 23,066 0 0
ISHARES GOLD TR ISHARES NEW 464285204   9,543,811 244,525 SH   SOLE Spectrum Asset Management Inc. 244,525 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   6,312,827 60,168 SH   SOLE Spectrum Asset Management Inc. 60,168 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   6,312,827 60,168 SH   SOLE Spectrum Asset Management Inc. 60,168 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   4,112,650 52,706 SH   SOLE Spectrum Asset Management Inc. 52,706 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   4,112,650 52,706 SH   SOLE Spectrum Asset Management Inc. 52,706 0 0
ISHARES TR US TREAS BD ETF 46429B267   1,118,224 48,534 SH   SOLE Spectrum Asset Management Inc. 48,534 0 0
ISHARES TR US TREAS BD ETF 46429B267   1,118,224 48,534 SH   SOLE Spectrum Asset Management Inc. 48,534 0 0
ISHARES TR 20 YR TR BD ETF 464287432   827,626 8,370 SH   SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR RUS 1000 ETF 464287622   640,449 2,442 SH   SOLE Spectrum Asset Management Inc. 2,442 0 0
ISHARES TR CORE S&P500 ETF 464287200   571,611 1,197 SH   SOLE Spectrum Asset Management Inc. 1,197 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   406,553 18,158 SH   SOLE Spectrum Asset Management Inc. 18,158 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   406,553 18,158 SH   SOLE Spectrum Asset Management Inc. 18,158 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   344,102 14,781 SH   SOLE Spectrum Asset Management Inc. 14,781 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   344,102 14,781 SH   SOLE Spectrum Asset Management Inc. 14,781 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   321,845 14,082 SH   SOLE Spectrum Asset Management Inc. 14,082 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   321,845 14,082 SH   SOLE Spectrum Asset Management Inc. 14,082 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   246,120 3,000 SH   SOLE Spectrum Asset Management Inc. 3,000 0 0
ISHARES TR CORE TOTAL USD 46434V613   211,692 4,595 SH   SOLE Spectrum Asset Management Inc. 4,595 0 0
MARRIOTT INTL INC NEW CL A 571903202   455,531 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   537,768 1,814 SH   SOLE Spectrum Asset Management Inc. 1,814 0 0
MCKESSON CORP COM 58155Q103   278,160 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   3,335,407 40,153 SH   SOLE Spectrum Asset Management Inc. 40,153 0 0
MEDTRONIC PLC SHS G5960L103   3,335,407 40,153 SH   SOLE Spectrum Asset Management Inc. 40,153 0 0
MEDTRONIC PLC SHS G5960L103   15,192 183 SH   DFND Spectrum Asset Management Inc. 0 0 183
MERCADOLIBRE INC COM 58733R102   363,026 231 SH   SOLE Spectrum Asset Management Inc. 231 0 0
MICROSOFT CORP COM 594918104   4,575,659 12,168 SH   SOLE Spectrum Asset Management Inc. 12,168 0 0
MICROSOFT CORP COM 594918104   12,786 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   515,232 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   433,997 3,984 SH   SOLE Spectrum Asset Management Inc. 3,984 0 0
NORTHROP GRUMMAN CORP COM 666807102   268,713 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104   269,488 544 SH   SOLE Spectrum Asset Management Inc. 544 0 0
ORACLE CORP COM 68389X105   2,756,046 26,141 SH   SOLE Spectrum Asset Management Inc. 26,141 0 0
PEPSICO INC COM 713448108   289,290 1,685 SH   SOLE Spectrum Asset Management Inc. 1,685 0 0
PIONEER NAT RES CO COM 723787107   206,215 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
QUALCOMM INC COM 747525103   1,723,990 11,920 SH   SOLE Spectrum Asset Management Inc. 11,920 0 0
ROCKWELL AUTOMATION INC COM 773903109   821,841 2,647 SH   SOLE Spectrum Asset Management Inc. 2,647 0 0
ROYAL BK CDA COM 780087102   202,260 2,000 SH   SOLE Spectrum Asset Management Inc. 2,000 0 0
RTX CORPORATION COM 75513E101   303,279 3,604 SH   SOLE Spectrum Asset Management Inc. 3,604 0 0
RTX CORPORATION COM 75513E101   15,987 190 SH   DFND Spectrum Asset Management Inc. 0 0 190
SCHLUMBERGER LTD COM STK 806857108   944,950 18,071 SH   SOLE Spectrum Asset Management Inc. 18,071 0 0
SCHWAB CHARLES CORP COM 808513105   4,814,885 69,984 SH   SOLE Spectrum Asset Management Inc. 69,984 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   3,638,000 3,638,000 SH   SOLE Spectrum Asset Management Inc. 3,638,000 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,365,134 219,189 SH   SOLE Spectrum Asset Management Inc. 219,189 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,365,134 219,189 SH   SOLE Spectrum Asset Management Inc. 219,189 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,510,389 90,504 SH   SOLE Spectrum Asset Management Inc. 90,504 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,510,389 90,504 SH   SOLE Spectrum Asset Management Inc. 90,504 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,309,150 62,477 SH   SOLE Spectrum Asset Management Inc. 62,477 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,309,150 62,477 SH   SOLE Spectrum Asset Management Inc. 62,477 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,996,773 35,868 SH   SOLE Spectrum Asset Management Inc. 35,868 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,996,773 35,868 SH   SOLE Spectrum Asset Management Inc. 35,868 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   347,046 6,980 SH   SOLE Spectrum Asset Management Inc. 6,980 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,262,211 35,721 SH   SOLE Spectrum Asset Management Inc. 35,721 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,262,211 35,721 SH   SOLE Spectrum Asset Management Inc. 35,721 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   333,013 3,972 SH   SOLE Spectrum Asset Management Inc. 3,972 0 0
SEMPRA COM 816851109   3,012,943 40,040 SH   SOLE Spectrum Asset Management Inc. 40,040 0 0
SKYLINE CHAMPION CORPORATION COM 830830105   287,312 3,869 SH   SOLE Spectrum Asset Management Inc. 3,869 0 0
SPDR GOLD TR GOLD SHS 78463V107   239,728 1,254 SH   SOLE Spectrum Asset Management Inc. 1,254 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   268,169 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,230,362 2,578 SH   SOLE Spectrum Asset Management Inc. 2,578 0 0
TENON MEDICAL INC COM NEW 88066N204   131,553 83,261 SH   SOLE Spectrum Asset Management Inc. 83,261 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113   17,227 1,070,000 SH   SOLE Spectrum Asset Management Inc. 1,070,000 0 0
TESLA INC COM 88160R101   1,197,249 4,818 SH   SOLE Spectrum Asset Management Inc. 4,818 0 0
TEXAS INSTRS INC COM 882508104   289,782 1,700 SH   SOLE Spectrum Asset Management Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102   607,020 1,153 SH   SOLE Spectrum Asset Management Inc. 1,153 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,892,696 61,035 SH   SOLE Spectrum Asset Management Inc. 61,035 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,803,827 9,019 SH   SOLE Spectrum Asset Management Inc. 9,019 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   458,550 1,933 SH   SOLE Spectrum Asset Management Inc. 1,933 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,042,677 18,635 SH   SOLE Spectrum Asset Management Inc. 18,635 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,042,677 18,635 SH   SOLE Spectrum Asset Management Inc. 18,635 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   916,497 19,134 SH   SOLE Spectrum Asset Management Inc. 19,134 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   916,497 19,134 SH   SOLE Spectrum Asset Management Inc. 19,134 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,770,522 46,963 SH   SOLE Spectrum Asset Management Inc. 46,963 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,770,522 46,963 SH   SOLE Spectrum Asset Management Inc. 46,963 0 0
VISA INC COM CL A 92826C839   1,301,546 4,999 SH   SOLE Spectrum Asset Management Inc. 4,999 0 0
VOLITIONRX LTD COM 928661107   39,863 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   3,796,210 23,995 SH   SOLE Spectrum Asset Management Inc. 23,995 0 0