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   3,422,105 25,798 SH   SOLE Spectrum Asset Management Inc. 25,798 0 0
ABBVIE INC COM 00287Y109   4,367,606 20,846 SH   SOLE Spectrum Asset Management Inc. 20,846 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,674,896 11,777 SH   SOLE Spectrum Asset Management Inc. 11,777 0 0
ALPHABET INC CAP STK CL A 02079K305   765,433 4,950 SH   SOLE Spectrum Asset Management Inc. 4,950 0 0
ALPHABET INC CAP STK CL C 02079K107   273,009 1,747 SH   SOLE Spectrum Asset Management Inc. 1,747 0 0
APPLE INC COM 037833100   951,380 4,283 SH   SOLE Spectrum Asset Management Inc. 4,283 0 0
APPLE INC PUT 037833100   606 200 PRN Put SOLE Spectrum Asset Management Inc. 200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,034,479 9,453 SH   SOLE Spectrum Asset Management Inc. 9,453 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,395,325 3 SH   SOLE Spectrum Asset Management Inc. 3 0 0
CHEVRON CORP NEW COM 166764100   17,566 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CHEVRON CORP NEW COM 166764100   5,473,146 32,717 SH   SOLE Spectrum Asset Management Inc. 32,717 0 0
CISCO SYS INC COM 17275R102   19,933 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CISCO SYS INC COM 17275R102   3,981,791 64,524 SH   SOLE Spectrum Asset Management Inc. 64,524 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,413,335 1,494 SH   SOLE Spectrum Asset Management Inc. 1,494 0 0
DEERE & CO COM 244199105   511,540 1,086 SH   SOLE Spectrum Asset Management Inc. 1,086 0 0
DISNEY WALT CO COM 254687106   2,886,138 29,242 SH   SOLE Spectrum Asset Management Inc. 29,242 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   23,663 194 SH   DFND Spectrum Asset Management Inc. 0 0 194
DUKE ENERGY CORP NEW COM NEW 26441C204   4,150,082 34,025 SH   SOLE Spectrum Asset Management Inc. 34,025 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   2,793,597 38,543 SH   SOLE Spectrum Asset Management Inc. 38,543 0 0
ELBIT SYS LTD ORD M3760D101   673,359 1,755 SH   SOLE Spectrum Asset Management Inc. 1,755 0 0
EMERSON ELEC CO COM 291011104   3,138,555 28,626 SH   SOLE Spectrum Asset Management Inc. 28,626 0 0
EXXON MOBIL CORP COM 30231G102   19,624 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
EXXON MOBIL CORP COM 30231G102   4,511,147 37,931 SH   SOLE Spectrum Asset Management Inc. 37,931 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F680   6,721,279 169,405 SH   SOLE Spectrum Asset Management Inc. 169,405 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771   6,239,591 148,033 SH   SOLE Spectrum Asset Management Inc. 148,033 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   5,241,437 139,108 SH   SOLE Spectrum Asset Management Inc. 139,108 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F839   1,039,542 24,800 SH   SOLE Spectrum Asset Management Inc. 24,800 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F730   351,047 8,865 SH   SOLE Spectrum Asset Management Inc. 8,865 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F698   244,178 5,970 SH   SOLE Spectrum Asset Management Inc. 5,970 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT 33740F672   201,721 5,260 SH   SOLE Spectrum Asset Management Inc. 5,260 0 0
GE AEROSPACE COM NEW 369604301   221,564 1,105 SH   SOLE Spectrum Asset Management Inc. 1,105 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   759,320 9,408 SH   SOLE Spectrum Asset Management Inc. 9,408 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343   401,834 7,549 SH   SOLE Spectrum Asset Management Inc. 7,549 0 0
HEARTBEAM INC COM 42238H108   149,544 74,400 SH   SOLE Spectrum Asset Management Inc. 74,400 0 0
HONEYWELL INTL INC COM 438516106   4,849,038 22,900 SH   SOLE Spectrum Asset Management Inc. 22,900 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   298,392 1,200 SH   SOLE Spectrum Asset Management Inc. 1,200 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   14,909,016 86,065 SH   SOLE Spectrum Asset Management Inc. 86,065 0 0
ISHARES GOLD TR ISHARES NEW 464285204   9,102,245 154,380 SH   SOLE Spectrum Asset Management Inc. 154,380 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   4,235,226 61,774 SH   SOLE Spectrum Asset Management Inc. 61,774 0 0
ISHARES INC MSCI JAPN SMCETF 464286582   2,262,385 29,485 SH   SOLE Spectrum Asset Management Inc. 29,485 0 0
ISHARES TR MBS ETF 464288588   11,006,584 117,366 SH   SOLE Spectrum Asset Management Inc. 117,366 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   10,877,206 116,135 SH   SOLE Spectrum Asset Management Inc. 116,135 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   485,670 21,662 SH   SOLE Spectrum Asset Management Inc. 21,662 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   333,640 14,544 SH   SOLE Spectrum Asset Management Inc. 14,544 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,550,261 12,716 SH   SOLE Spectrum Asset Management Inc. 12,716 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   290,583 12,434 SH   SOLE Spectrum Asset Management Inc. 12,434 0 0
ISHARES TR 20 YR TR BD ETF 464287432   761,922 8,370 SH   SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR CORE S&P MCP ETF 464287507   521,268 8,933 SH   SOLE Spectrum Asset Management Inc. 8,933 0 0
ISHARES TR CORE S&P500 ETF 464287200   261,846 466 SH   SOLE Spectrum Asset Management Inc. 466 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   3,288,625 15,712 SH   SOLE Spectrum Asset Management Inc. 15,712 0 0
LINDE PLC SHS G54950103   4,130,227 8,870 SH   SOLE Spectrum Asset Management Inc. 8,870 0 0
MCDONALDS CORP COM 580135101   662,942 2,122 SH   SOLE Spectrum Asset Management Inc. 2,122 0 0
MCKESSON CORP COM 58155Q103   1,077,920 1,600 SH   SOLE Spectrum Asset Management Inc. 1,600 0 0
MEDTRONIC PLC SHS G5960L103   18,565 205 SH   DFND Spectrum Asset Management Inc. 0 0 205
MEDTRONIC PLC SHS G5960L103   3,699,867 40,856 SH   SOLE Spectrum Asset Management Inc. 40,856 0 0
MERCADOLIBRE INC COM 58733R102   277,024 142 SH   SOLE Spectrum Asset Management Inc. 142 0 0
MICROSOFT CORP COM 594918104   12,764 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MICROSOFT CORP COM 594918104   4,669,850 12,440 SH   SOLE Spectrum Asset Management Inc. 12,440 0 0
MORNINGSTAR INC COM 617700109   542,624 1,810 SH   SOLE Spectrum Asset Management Inc. 1,810 0 0
NVIDIA CORPORATION COM 67066G104   311,605 2,875 SH   SOLE Spectrum Asset Management Inc. 2,875 0 0
ORACLE CORP COM 68389X105   3,964,782 28,358 SH   SOLE Spectrum Asset Management Inc. 28,358 0 0
PAYCOM SOFTWARE INC COM 70432V102   554,503 2,538 SH   SOLE Spectrum Asset Management Inc. 2,538 0 0
PEPSICO INC COM 713448108   316,662 2,112 SH   SOLE Spectrum Asset Management Inc. 2,112 0 0
PFIZER INC COM 717081103   13,735 542 SH   DFND Spectrum Asset Management Inc. 0 0 542
PFIZER INC COM 717081103   418,577 16,518 SH   SOLE Spectrum Asset Management Inc. 16,518 0 0
PROCTER AND GAMBLE CO COM 742718109   273,500 1,605 SH   SOLE Spectrum Asset Management Inc. 1,605 0 0
RTX CORPORATION COM 75513E101   25,168 190 SH   DFND Spectrum Asset Management Inc. 0 0 190
RTX CORPORATION COM 75513E101   1,074,195 8,110 SH   SOLE Spectrum Asset Management Inc. 8,110 0 0
SCHLUMBERGER LTD COM STK 806857108   673,611 16,006 SH   SOLE Spectrum Asset Management Inc. 16,006 0 0
SCHWAB CHARLES CORP COM 808513105   5,196,079 66,378 SH   SOLE Spectrum Asset Management Inc. 66,378 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,800,216 594,440 SH   SOLE Spectrum Asset Management Inc. 594,440 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,364,311 321,755 SH   SOLE Spectrum Asset Management Inc. 321,755 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,793,215 311,231 SH   SOLE Spectrum Asset Management Inc. 311,231 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,615,294 75,025 SH   SOLE Spectrum Asset Management Inc. 75,025 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,976,940 21,155 SH   SOLE Spectrum Asset Management Inc. 21,155 0 0
SEMPRA COM 816851109   343,350 4,764 SH   SOLE Spectrum Asset Management Inc. 4,764 0 0
SPDR GOLD TR GOLD SHS 78463V107   284,683 988 SH   SOLE Spectrum Asset Management Inc. 988 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   288,435 7,922 SH   SOLE Spectrum Asset Management Inc. 7,922 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,536,242 2,738 SH   SOLE Spectrum Asset Management Inc. 2,738 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   1,479,670 36,302 SH   SOLE Spectrum Asset Management Inc. 36,302 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113   21,704 1,058,692 SH   SOLE Spectrum Asset Management Inc. 1,058,692 0 0
TENON MEDICAL INC COM 88066N303   54,122 25,650 SH   SOLE Spectrum Asset Management Inc. 25,650 0 0
TESLA INC COM 88160R101   238,503 920 SH   SOLE Spectrum Asset Management Inc. 920 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,703,203 7,071 SH   SOLE Spectrum Asset Management Inc. 7,071 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,275,723 6,137 SH   SOLE Spectrum Asset Management Inc. 6,137 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   411,715 1,498 SH   SOLE Spectrum Asset Management Inc. 1,498 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   5,061,103 72,085 SH   SOLE Spectrum Asset Management Inc. 72,085 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   542,753 2,138 SH   SOLE Spectrum Asset Management Inc. 2,138 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   675,316 13,286 SH   SOLE Spectrum Asset Management Inc. 13,286 0 0
VEEVA SYS INC CL A COM 922475108   299,961 1,295 SH   SOLE Spectrum Asset Management Inc. 1,295 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,400,736 74,972 SH   SOLE Spectrum Asset Management Inc. 74,972 0 0
VISA INC COM CL A 92826C839   1,338,384 3,819 SH   SOLE Spectrum Asset Management Inc. 3,819 0 0
WALMART INC COM 931142103   4,531,116 51,475 SH   SOLE Spectrum Asset Management Inc. 51,475 0 0