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   2,016,513 18,367 SH   SOLE Spectrum Asset Management Inc. 18,367 0 0
ABBVIE INC COM 00287Y109   4,156,845 25,721 SH   SOLE Spectrum Asset Management Inc. 25,721 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   29,783 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,320,824 12,445 SH   SOLE Spectrum Asset Management Inc. 12,445 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   308,598 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
ALKERMES PLC SHS G01767105   290,958 11,135 SH   SOLE Spectrum Asset Management Inc. 11,135 0 0
ALPHABET INC CAP STK CL A 02079K305   419,975 4,760 SH   SOLE Spectrum Asset Management Inc. 4,760 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   2,918,334 102,290 SH   SOLE Spectrum Asset Management Inc. 102,290 0 0
APPLE INC COM 037833100   2,571,366 19,790 SH   SOLE Spectrum Asset Management Inc. 19,790 0 0
APPLE INC PUT 037833100   28,020 2,000 PRN Put SOLE Spectrum Asset Management Inc. 2,000 0 0
BANK AMERICA CORP COM 060505104   216,376 6,533 SH   SOLE Spectrum Asset Management Inc. 6,533 0 0
BANK AMERICA CORP COM 060505104   14,341 433 SH   DFND Spectrum Asset Management Inc. 0 0 433
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,810,990 9,100 SH   SOLE Spectrum Asset Management Inc. 9,100 0 0
BORGWARNER INC COM 099724106   2,329,871 57,885 SH   SOLE Spectrum Asset Management Inc. 57,885 0 0
BP PLC SPONSORED ADR 055622104   273,439 7,828 SH   SOLE Spectrum Asset Management Inc. 7,828 0 0
BUNGE LIMITED COM G16962105   2,996,592 30,035 SH   SOLE Spectrum Asset Management Inc. 30,035 0 0
CF INDS HLDGS INC COM 125269100   1,946,394 22,845 SH   SOLE Spectrum Asset Management Inc. 22,845 0 0
CHESAPEAKE ENERGY CORP COM 165167735   3,230,050 34,228 SH   SOLE Spectrum Asset Management Inc. 34,228 0 0
CHEVRON CORP NEW COM 166764100   9,052,072 50,432 SH   SOLE Spectrum Asset Management Inc. 50,432 0 0
CHEVRON CORP NEW COM 166764100   18,846 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   3,691,867 77,495 SH   SOLE Spectrum Asset Management Inc. 77,495 0 0
CISCO SYS INC COM 17275R102   12,196 256 SH   DFND Spectrum Asset Management Inc. 0 0 256
COSTCO WHSL CORP NEW COM 22160K105   888,902 1,947 SH   SOLE Spectrum Asset Management Inc. 1,947 0 0
DANAHER CORPORATION COM 235851102   812,950 3,060 SH   SOLE Spectrum Asset Management Inc. 3,060 0 0
DEERE & CO COM 244199105   1,346,205 3,131 SH   SOLE Spectrum Asset Management Inc. 3,131 0 0
DISNEY WALT CO COM 254687106   291,656 3,357 SH   SOLE Spectrum Asset Management Inc. 3,357 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,145,830 30,545 SH   SOLE Spectrum Asset Management Inc. 30,545 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   17,302 168 SH   DFND Spectrum Asset Management Inc. 0 0 168
EDISON INTL COM 281020107   295,255 4,588 SH   SOLE Spectrum Asset Management Inc. 4,588 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   204,133 2,736 SH   SOLE Spectrum Asset Management Inc. 2,736 0 0
EMERSON ELEC CO COM 291011104   2,757,402 28,705 SH   SOLE Spectrum Asset Management Inc. 28,705 0 0
EOG RES INC COM 26875P101   860,401 6,643 SH   SOLE Spectrum Asset Management Inc. 6,643 0 0
EXXON MOBIL CORP COM 30231G102   6,825,888 61,885 SH   SOLE Spectrum Asset Management Inc. 61,885 0 0
EXXON MOBIL CORP COM 30231G102   18,200 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GENERAL DYNAMICS CORP COM 369550108   3,678,231 14,825 SH   SOLE Spectrum Asset Management Inc. 14,825 0 0
GENERAL DYNAMICS CORP COM 369550108   12,406 50 SH   DFND Spectrum Asset Management Inc. 0 0 50
GLOBAL X FDS GLBL X MLP ETF 37954Y343   425,989 10,317 SH   SOLE Spectrum Asset Management Inc. 10,317 0 0
HONEYWELL INTL INC COM 438516106   4,885,397 22,797 SH   SOLE Spectrum Asset Management Inc. 22,797 0 0
INMODE LTD SHS M5425M103   290,776 8,145 SH   SOLE Spectrum Asset Management Inc. 8,145 0 0
INTEL CORP COM 458140100   1,989,866 75,288 SH   SOLE Spectrum Asset Management Inc. 75,288 0 0
INTEL CORP CALL 458140100   19,100 10,000 PRN Call SOLE Spectrum Asset Management Inc. 10,000 0 0
INTEL CORP CALL 458140100   6,872 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTUIT COM 461202103   673,740 1,731 SH   SOLE Spectrum Asset Management Inc. 1,731 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,189,908 50,902 SH   SOLE Spectrum Asset Management Inc. 50,902 0 0
ISHARES GOLD TR ISHARES NEW 464285204   4,582,656 132,485 SH   SOLE Spectrum Asset Management Inc. 132,485 0 0
ISHARES INC MSCI EMERG MRKT 464286533   248,327 4,681 SH   SOLE Spectrum Asset Management Inc. 4,681 0 0
ISHARES TR US TREAS BD ETF 46429B267   18,638,785 820,369 SH   SOLE Spectrum Asset Management Inc. 820,369 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   5,480,067 64,662 SH   SOLE Spectrum Asset Management Inc. 64,662 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,799,454 52,697 SH   SOLE Spectrum Asset Management Inc. 52,697 0 0
ISHARES TR CORE TOTAL USD 46434V613   976,284 21,729 SH   SOLE Spectrum Asset Management Inc. 21,729 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   896,687 36,296 SH   SOLE Spectrum Asset Management Inc. 36,296 0 0
ISHARES TR CORE S&P500 ETF 464287200   526,277 1,370 SH   SOLE Spectrum Asset Management Inc. 1,370 0 0
ISHARES TR RUS 1000 ETF 464287622   518,604 2,463 SH   SOLE Spectrum Asset Management Inc. 2,463 0 0
ISHARES TR EAFE VALUE ETF 464288877   305,010 6,648 SH   SOLE Spectrum Asset Management Inc. 6,648 0 0
ISHARES TR EAFE GRWTH ETF 464288885   257,311 3,072 SH   SOLE Spectrum Asset Management Inc. 3,072 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   243,510 3,000 SH   SOLE Spectrum Asset Management Inc. 3,000 0 0
KINDER MORGAN INC DEL COM 49456B101   2,478,002 137,058 SH   SOLE Spectrum Asset Management Inc. 137,058 0 0
MARRIOTT INTL INC NEW CL A 571903202   300,758 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   405,516 1,539 SH   SOLE Spectrum Asset Management Inc. 1,539 0 0
MCKESSON CORP COM 58155Q103   225,396 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   1,563,428 19,936 SH   SOLE Spectrum Asset Management Inc. 19,936 0 0
MEDTRONIC PLC SHS G5960L103   12,074 154 SH   DFND Spectrum Asset Management Inc. 0 0 154
MICROSOFT CORP COM 594918104   3,005,371 12,532 SH   SOLE Spectrum Asset Management Inc. 12,532 0 0
MICROSOFT CORP COM 594918104   8,154 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   389,862 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   466,146 3,984 SH   SOLE Spectrum Asset Management Inc. 3,984 0 0
NORTHROP GRUMMAN CORP COM 666807102   313,180 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
ORACLE CORP COM 68389X105   2,530,670 30,960 SH   SOLE Spectrum Asset Management Inc. 30,960 0 0
PEPSICO INC COM 713448108   504,522 2,771 SH   SOLE Spectrum Asset Management Inc. 2,771 0 0
PFIZER INC COM 717081103   343,820 6,710 SH   SOLE Spectrum Asset Management Inc. 6,710 0 0
PFIZER INC COM 717081103   16,909 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
PIONEER NAT RES CO COM 723787107   211,718 927 SH   SOLE Spectrum Asset Management Inc. 927 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425   5,906,863 368,488 SH   SOLE Spectrum Asset Management Inc. 368,488 0 0
PUBLIC STORAGE COM 74460D109   1,190,808 4,250 SH   SOLE Spectrum Asset Management Inc. 4,250 0 0
QUALCOMM INC COM 747525103   1,413,389 12,856 SH   SOLE Spectrum Asset Management Inc. 12,856 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   363,495 3,602 SH   SOLE Spectrum Asset Management Inc. 3,602 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   17,661 175 SH   DFND Spectrum Asset Management Inc. 0 0 175
ROCKWELL AUTOMATION INC COM 773903109   956,873 3,715 SH   SOLE Spectrum Asset Management Inc. 3,715 0 0
SCHLUMBERGER LTD COM STK 806857108   200,952 3,747 SH   SOLE Spectrum Asset Management Inc. 3,747 0 0
SCHWAB CHARLES CORP COM 808513105   3,842,111 46,146 SH   SOLE Spectrum Asset Management Inc. 46,146 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,847,639 240,043 SH   SOLE Spectrum Asset Management Inc. 240,043 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   8,622,438 175,146 SH   SOLE Spectrum Asset Management Inc. 175,146 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,648,025 119,655 SH   SOLE Spectrum Asset Management Inc. 119,655 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,998,759 62,054 SH   SOLE Spectrum Asset Management Inc. 62,054 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,655,067 36,935 SH   SOLE Spectrum Asset Management Inc. 36,935 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   8,751,828 100,055 SH   SOLE Spectrum Asset Management Inc. 100,055 0 0
SEMPRA COM 816851109   3,057,642 19,656 SH   SOLE Spectrum Asset Management Inc. 19,656 0 0
SHELL PLC SPON ADS 780259305   358,785 6,300 SH   SOLE Spectrum Asset Management Inc. 6,300 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,891,316 11,149 SH   SOLE Spectrum Asset Management Inc. 11,149 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   234,106 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,092,318 2,843 SH   SOLE Spectrum Asset Management Inc. 2,843 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   252,108 17,880 SH   SOLE Spectrum Asset Management Inc. 17,880 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   319,959 38,830 SH   SOLE Spectrum Asset Management Inc. 38,830 0 0
STRYKER CORPORATION COM 863667101   847,549 3,456 SH   SOLE Spectrum Asset Management Inc. 3,456 0 0
TENON MEDICAL INC COM 88066N105   206,211 130,513 SH   SOLE Spectrum Asset Management Inc. 130,513 0 0
TESLA INC COM 88160R101   655,723 5,323 SH   SOLE Spectrum Asset Management Inc. 5,323 0 0
TEXAS INSTRS INC COM 882508104   280,874 1,700 SH   SOLE Spectrum Asset Management Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102   532,831 1,005 SH   SOLE Spectrum Asset Management Inc. 1,005 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,545,386 11,944 SH   SOLE Spectrum Asset Management Inc. 11,944 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   369,382 1,932 SH   SOLE Spectrum Asset Management Inc. 1,932 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   297,584 2,120 SH   SOLE Spectrum Asset Management Inc. 2,120 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,299,439 18,934 SH   SOLE Spectrum Asset Management Inc. 18,934 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   849,524 20,241 SH   SOLE Spectrum Asset Management Inc. 20,241 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,324,647 33,620 SH   SOLE Spectrum Asset Management Inc. 33,620 0 0
VISA INC COM CL A 92826C839   380,992 1,834 SH   SOLE Spectrum Asset Management Inc. 1,834 0 0
VOLITIONRX LTD COM 928661107   135,098 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   1,148,894 8,071 SH   SOLE Spectrum Asset Management Inc. 8,071 0 0
WELLS FARGO CO NEW COM 949746101   264,044 6,395 SH   SOLE Spectrum Asset Management Inc. 6,395 0 0