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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,846 16,992 SH   SOLE Spectrum Asset Management Inc. 16,992 0 0
ABBVIE INC COM 00287Y109 3,691 24,099 SH   SOLE Spectrum Asset Management Inc. 24,099 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,198 11,519 SH   SOLE Spectrum Asset Management Inc. 11,519 0 0
ALPHABET INC CAP STK CL A 02079K305 519 238 SH   SOLE Spectrum Asset Management Inc. 238 0 0
ALPHABET INC CAP STK CL C 02079K107 307 140 SH   SOLE Spectrum Asset Management Inc. 140 0 0
ALTRIA GROUP INC COM 02209S103 308 7,214 SH   SOLE Spectrum Asset Management Inc. 7,214 0 0
ALTRIA GROUP INC COM 02209S103 8 199 SH   DFND Spectrum Asset Management Inc. 0 0 199
AMERICOLD REALTY TRUST INC COM 03064D108 2,581 85,300 SH   SOLE Spectrum Asset Management Inc. 85,300 0 0
APPLE INC COM 037833100 2,861 20,927 SH   SOLE Spectrum Asset Management Inc. 20,927 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 509 1,069 SH   SOLE Spectrum Asset Management Inc. 1,069 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,792 8,060 SH   SOLE Spectrum Asset Management Inc. 8,060 0 0
BORGWARNER INC COM 099724106 582 17,440 SH   SOLE Spectrum Asset Management Inc. 17,440 0 0
BP PLC SPONSORED ADR 055622104 303 10,677 SH   SOLE Spectrum Asset Management Inc. 10,677 0 0
BUNGE LIMITED COM G16962105 2,585 28,500 SH   SOLE Spectrum Asset Management Inc. 28,500 0 0
CF INDS HLDGS INC COM 125269100 2,577 30,060 SH   SOLE Spectrum Asset Management Inc. 30,060 0 0
CHESAPEAKE ENERGY CORP COM 165167735 835 10,295 SH   SOLE Spectrum Asset Management Inc. 10,295 0 0
CHEVRON CORP NEW COM 166764100 7,558 52,203 SH   SOLE Spectrum Asset Management Inc. 52,203 0 0
CHEVRON CORP NEW COM 166764100 15 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102 2,536 59,480 SH   SOLE Spectrum Asset Management Inc. 59,480 0 0
CISCO SYS INC COM 17275R102 11 256 SH   DFND Spectrum Asset Management Inc. 0 0 256
COSTCO WHSL CORP NEW COM 22160K105 1,011 2,110 SH   SOLE Spectrum Asset Management Inc. 2,110 0 0
DANAHER CORPORATION COM 235851102 777 3,060 SH   SOLE Spectrum Asset Management Inc. 3,060 0 0
DEERE & CO COM 244199105 950 3,161 SH   SOLE Spectrum Asset Management Inc. 3,161 0 0
DISNEY WALT CO COM 254687106 315 3,337 SH   SOLE Spectrum Asset Management Inc. 3,337 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,970 27,700 SH   SOLE Spectrum Asset Management Inc. 27,700 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 17 156 SH   DFND Spectrum Asset Management Inc. 0 0 156
EDISON INTL COM 281020107 288 4,559 SH   SOLE Spectrum Asset Management Inc. 4,559 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 260 2,736 SH   SOLE Spectrum Asset Management Inc. 2,736 0 0
EMERSON ELEC CO COM 291011104 1,851 23,270 SH   SOLE Spectrum Asset Management Inc. 23,270 0 0
EXXON MOBIL CORP COM 30231G102 5,416 63,245 SH   SOLE Spectrum Asset Management Inc. 63,245 0 0
EXXON MOBIL CORP COM 30231G102 14 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GENERAL DYNAMICS CORP COM 369550108 2,842 12,772 SH   SOLE Spectrum Asset Management Inc. 12,772 0 0
GENERAL DYNAMICS CORP COM 369550108 11 50 SH   DFND Spectrum Asset Management Inc. 0 0 50
GLOBAL X FDS GLBL X MLP ETF 37954Y343 566 15,357 SH   SOLE Spectrum Asset Management Inc. 15,357 0 0
HONEYWELL INTL INC COM 438516106 3,153 18,142 SH   SOLE Spectrum Asset Management Inc. 18,142 0 0
INTEL CORP COM 458140100 1,644 43,943 SH   SOLE Spectrum Asset Management Inc. 43,943 0 0
INTEL CORP COM 458140100 10 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTUIT COM 461202103 667 1,731 SH   SOLE Spectrum Asset Management Inc. 1,731 0 0
ISHARES GOLD TR ISHARES NEW 464285204 6,515 189,888 SH   SOLE Spectrum Asset Management Inc. 189,888 0 0
ISHARES TR US TREAS BD ETF 46429B267 30,098 1,259,328 SH   SOLE Spectrum Asset Management Inc. 1,259,328 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 8,222 97,993 SH   SOLE Spectrum Asset Management Inc. 97,993 0 0
ISHARES TR CORE TOTAL USD 46434V613 3,114 66,510 SH   SOLE Spectrum Asset Management Inc. 66,510 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,056 29,278 SH   SOLE Spectrum Asset Management Inc. 29,278 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882 1,018 40,820 SH   SOLE Spectrum Asset Management Inc. 40,820 0 0
ISHARES TR CORE S&P500 ETF 464287200 521 1,375 SH   SOLE Spectrum Asset Management Inc. 1,375 0 0
ISHARES TR RUS 1000 ETF 464287622 513 2,468 SH   SOLE Spectrum Asset Management Inc. 2,468 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 344 4,150 SH   SOLE Spectrum Asset Management Inc. 4,150 0 0
ISHARES TR EAFE VALUE ETF 464288877 303 6,976 SH   SOLE Spectrum Asset Management Inc. 6,976 0 0
ISHARES TR TIPS BD ETF 464287176 285 2,505 SH   SOLE Spectrum Asset Management Inc. 2,505 0 0
ISHARES TR EAFE GRWTH ETF 464288885 239 2,975 SH   SOLE Spectrum Asset Management Inc. 2,975 0 0
ISHARES TR 20 YR TR BD ETF 464287432 215 1,875 SH   SOLE Spectrum Asset Management Inc. 1,875 0 0
ISHARES TR IBONDS 22 TRM TS 46436E809 209 8,263 SH   SOLE Spectrum Asset Management Inc. 8,263 0 0
KINDER MORGAN INC DEL COM 49456B101 2,327 138,819 SH   SOLE Spectrum Asset Management Inc. 138,819 0 0
M & T BK CORP COM 55261F104 214 1,345 SH   SOLE Spectrum Asset Management Inc. 1,345 0 0
MARRIOTT INTL INC NEW CL A 571903202 275 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101 355 1,438 SH   SOLE Spectrum Asset Management Inc. 1,438 0 0
MEDTRONIC PLC SHS G5960L103 2,772 30,651 SH   SOLE Spectrum Asset Management Inc. 30,651 0 0
MEDTRONIC PLC SHS G5960L103 12 132 SH   DFND Spectrum Asset Management Inc. 0 0 132
MICROSOFT CORP COM 594918104 3,268 12,724 SH   SOLE Spectrum Asset Management Inc. 12,724 0 0
MICROSOFT CORP COM 594918104 9 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109 436 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103 457 4,454 SH   SOLE Spectrum Asset Management Inc. 4,454 0 0
NORTHROP GRUMMAN CORP COM 666807102 275 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104 476 3,137 SH   SOLE Spectrum Asset Management Inc. 3,137 0 0
ORACLE CORP COM 68389X105 1,745 24,970 SH   SOLE Spectrum Asset Management Inc. 24,970 0 0
PEPSICO INC COM 713448108 543 3,260 SH   SOLE Spectrum Asset Management Inc. 3,260 0 0
PFIZER INC COM 717081103 351 6,700 SH   SOLE Spectrum Asset Management Inc. 6,700 0 0
PFIZER INC COM 717081103 15 288 SH   DFND Spectrum Asset Management Inc. 0 0 288
PIONEER NAT RES CO COM 723787107 205 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 16,331 989,778 SH   SOLE Spectrum Asset Management Inc. 989,778 0 0
PUBLIC STORAGE COM 74460D109 1,323 4,230 SH   SOLE Spectrum Asset Management Inc. 4,230 0 0
QUALCOMM INC COM 747525103 1,651 12,925 SH   SOLE Spectrum Asset Management Inc. 12,925 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 346 3,601 SH   SOLE Spectrum Asset Management Inc. 3,601 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 16 171 SH   DFND Spectrum Asset Management Inc. 0 0 171
ROCKWELL AUTOMATION INC COM 773903109 739 3,710 SH   SOLE Spectrum Asset Management Inc. 3,710 0 0
SCHLUMBERGER LTD COM STK 806857108 787 21,895 SH   SOLE Spectrum Asset Management Inc. 21,895 0 0
SCHWAB CHARLES CORP COM 808513105 2,556 40,460 SH   SOLE Spectrum Asset Management Inc. 40,460 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 15,276 244,737 SH   SOLE Spectrum Asset Management Inc. 244,737 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,585 113,558 SH   SOLE Spectrum Asset Management Inc. 113,558 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,960 62,317 SH   SOLE Spectrum Asset Management Inc. 62,317 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,636 37,016 SH   SOLE Spectrum Asset Management Inc. 37,016 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,186 100,485 SH   SOLE Spectrum Asset Management Inc. 100,485 0 0
SEMPRA COM 816851109 2,943 19,584 SH   SOLE Spectrum Asset Management Inc. 19,584 0 0
SHELL PLC SPON ADS 780259305 329 6,300 SH   SOLE Spectrum Asset Management Inc. 6,300 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 255 8,825 SH   SOLE Spectrum Asset Management Inc. 8,825 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,077 2,843 SH   SOLE Spectrum Asset Management Inc. 2,843 0 0
SPDR SER TR S&P BIOTECH 78464A870 2,134 28,731 SH   SOLE Spectrum Asset Management Inc. 28,731 0 0
STRYKER CORPORATION COM 863667101 683 3,421 SH   SOLE Spectrum Asset Management Inc. 3,421 0 0
TESLA INC COM 88160R101 1,317 1,955 SH   SOLE Spectrum Asset Management Inc. 1,955 0 0
TEXAS INSTRS INC COM 882508104 261 1,700 SH   SOLE Spectrum Asset Management Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102 519 1,010 SH   SOLE Spectrum Asset Management Inc. 1,010 0 0
VANECK ETF TRUST OIL SERVICES ETF 92189H607 1,578 6,784 SH   SOLE Spectrum Asset Management Inc. 6,784 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,757 12,368 SH   SOLE Spectrum Asset Management Inc. 12,368 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 415 2,202 SH   SOLE Spectrum Asset Management Inc. 2,202 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 466 2,700 SH   SOLE Spectrum Asset Management Inc. 2,700 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,614 21,160 SH   SOLE Spectrum Asset Management Inc. 21,160 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 874 21,410 SH   SOLE Spectrum Asset Management Inc. 21,410 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,305 45,421 SH   SOLE Spectrum Asset Management Inc. 45,421 0 0
VISA INC COM CL A 92826C839 430 2,183 SH   SOLE Spectrum Asset Management Inc. 2,183 0 0
VOLITIONRX LTD COM 928661107 114 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103 1,031 8,481 SH   SOLE Spectrum Asset Management Inc. 8,481 0 0
WELLS FARGO CO NEW COM 949746101 246 6,281 SH   SOLE Spectrum Asset Management Inc. 6,281 0 0