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   1,768,741 16,224 SH   SOLE Spectrum Asset Management Inc. 16,224 0 0
ABBVIE INC COM 00287Y109   3,110,675 23,088 SH   SOLE Spectrum Asset Management Inc. 23,088 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   30,260 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,563,791 11,549 SH   SOLE Spectrum Asset Management Inc. 11,549 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   448,404 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
ALKERMES PLC SHS G01767105   348,526 11,135 SH   SOLE Spectrum Asset Management Inc. 11,135 0 0
ALPHABET INC CAP STK CL A 02079K305   750,519 6,270 SH   SOLE Spectrum Asset Management Inc. 6,270 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   2,964,101 91,147 SH   SOLE Spectrum Asset Management Inc. 91,147 0 0
APPLE INC COM 037833100   3,911,894 20,168 SH   SOLE Spectrum Asset Management Inc. 20,168 0 0
APPLE INC PUT 037833100   6,394 3,300 PRN Put SOLE Spectrum Asset Management Inc. 3,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,824,162 8,282 SH   SOLE Spectrum Asset Management Inc. 8,282 0 0
BORGWARNER INC COM 099724106   2,636,641 53,908 SH   SOLE Spectrum Asset Management Inc. 53,908 0 0
BUNGE LIMITED COM G16962105   2,526,410 26,777 SH   SOLE Spectrum Asset Management Inc. 26,777 0 0
CF INDS HLDGS INC COM 125269100   1,817,763 26,185 SH   SOLE Spectrum Asset Management Inc. 26,185 0 0
CHESAPEAKE ENERGY CORP COM 165167735   2,713,299 32,425 SH   SOLE Spectrum Asset Management Inc. 32,425 0 0
CHEVRON CORP NEW COM 166764100   6,927,347 44,025 SH   SOLE Spectrum Asset Management Inc. 44,025 0 0
CHEVRON CORP NEW COM 166764100   16,522 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   4,594,155 88,793 SH   SOLE Spectrum Asset Management Inc. 88,793 0 0
CISCO SYS INC COM 17275R102   16,713 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CONOCOPHILLIPS COM 20825C104   837,791 8,086 SH   SOLE Spectrum Asset Management Inc. 8,086 0 0
CONOCOPHILLIPS COM 20825C104   15,749 152 SH   DFND Spectrum Asset Management Inc. 0 0 152
COSTCO WHSL CORP NEW COM 22160K105   1,092,540 2,029 SH   SOLE Spectrum Asset Management Inc. 2,029 0 0
DEERE & CO COM 244199105   1,272,564 3,131 SH   SOLE Spectrum Asset Management Inc. 3,131 0 0
DISNEY WALT CO COM 254687106   299,714 3,357 SH   SOLE Spectrum Asset Management Inc. 3,357 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   2,944,370 32,810 SH   SOLE Spectrum Asset Management Inc. 32,810 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   16,243 181 SH   DFND Spectrum Asset Management Inc. 0 0 181
EDWARDS LIFESCIENCES CORP COM 28176E108   258,087 2,736 SH   SOLE Spectrum Asset Management Inc. 2,736 0 0
EMERSON ELEC CO COM 291011104   2,342,186 25,912 SH   SOLE Spectrum Asset Management Inc. 25,912 0 0
EXXON MOBIL CORP COM 30231G102   4,011,785 37,406 SH   SOLE Spectrum Asset Management Inc. 37,406 0 0
EXXON MOBIL CORP COM 30231G102   17,697 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GENERAL DYNAMICS CORP COM 369550108   2,923,889 13,590 SH   SOLE Spectrum Asset Management Inc. 13,590 0 0
GENERAL DYNAMICS CORP COM 369550108   15,061 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   315,193 7,342 SH   SOLE Spectrum Asset Management Inc. 7,342 0 0
HEARTBEAM INC COM 42238H108   103,389 42,900 SH   SOLE Spectrum Asset Management Inc. 42,900 0 0
HONEYWELL INTL INC COM 438516106   4,424,730 21,324 SH   SOLE Spectrum Asset Management Inc. 21,324 0 0
IDEXX LABS INC COM 45168D104   288,281 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
INMODE LTD SHS M5425M103   312,993 8,380 SH   SOLE Spectrum Asset Management Inc. 8,380 0 0
INTEL CORP COM 458140100   3,103,775 92,816 SH   SOLE Spectrum Asset Management Inc. 92,816 0 0
INTEL CORP CALL 458140100   42,953 10,000 PRN Call SOLE Spectrum Asset Management Inc. 10,000 0 0
INTEL CORP COM 458140100   8,695 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTUIT COM 461202103   838,946 1,831 SH   SOLE Spectrum Asset Management Inc. 1,831 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,103,173 34,103 SH   SOLE Spectrum Asset Management Inc. 34,103 0 0
ISHARES GOLD TR ISHARES NEW 464285204   8,180,036 224,788 SH   SOLE Spectrum Asset Management Inc. 224,788 0 0
ISHARES TR US TREAS BD ETF 46429B267   28,379,542 1,239,281 SH   SOLE Spectrum Asset Management Inc. 1,239,281 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   6,192,163 63,535 SH   SOLE Spectrum Asset Management Inc. 63,535 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,983,791 53,596 SH   SOLE Spectrum Asset Management Inc. 53,596 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   1,016,615 40,976 SH   SOLE Spectrum Asset Management Inc. 40,976 0 0
ISHARES TR 20 YR TR BD ETF 464287432   656,243 6,375 SH   SOLE Spectrum Asset Management Inc. 6,375 0 0
ISHARES TR CORE S&P500 ETF 464287200   599,376 1,345 SH   SOLE Spectrum Asset Management Inc. 1,345 0 0
ISHARES TR RUS 1000 ETF 464287622   593,437 2,435 SH   SOLE Spectrum Asset Management Inc. 2,435 0 0
ISHARES TR CORE TOTAL USD 46434V613   302,967 6,663 SH   SOLE Spectrum Asset Management Inc. 6,663 0 0
ISHARES TR EAFE VALUE ETF 464288877   264,521 5,405 SH   SOLE Spectrum Asset Management Inc. 5,405 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   255,541 11,048 SH   SOLE Spectrum Asset Management Inc. 11,048 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   243,240 3,000 SH   SOLE Spectrum Asset Management Inc. 3,000 0 0
ISHARES TR EAFE GRWTH ETF 464288885   232,324 2,435 SH   SOLE Spectrum Asset Management Inc. 2,435 0 0
MARRIOTT INTL INC NEW CL A 571903202   371,054 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   540,928 1,813 SH   SOLE Spectrum Asset Management Inc. 1,813 0 0
MCKESSON CORP COM 58155Q103   256,710 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   2,415,541 27,198 SH   SOLE Spectrum Asset Management Inc. 27,198 0 0
MEDTRONIC PLC SHS G5960L103   14,908 168 SH   DFND Spectrum Asset Management Inc. 0 0 168
MICROSOFT CORP COM 594918104   4,272,483 12,546 SH   SOLE Spectrum Asset Management Inc. 12,546 0 0
MICROSOFT CORP COM 594918104   11,579 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   352,926 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   441,048 3,984 SH   SOLE Spectrum Asset Management Inc. 3,984 0 0
NORTHROP GRUMMAN CORP COM 666807102   261,630 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104   223,844 529 SH   SOLE Spectrum Asset Management Inc. 529 0 0
ORACLE CORP COM 68389X105   3,348,930 28,121 SH   SOLE Spectrum Asset Management Inc. 28,121 0 0
PEPSICO INC COM 713448108   455,204 2,458 SH   SOLE Spectrum Asset Management Inc. 2,458 0 0
PFIZER INC COM 717081103   246,123 6,710 SH   SOLE Spectrum Asset Management Inc. 6,710 0 0
PFIZER INC COM 717081103   12,105 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
PROSHARES TR SHORT S&P 500 NE 74347B425   9,154,568 659,551 SH   SOLE Spectrum Asset Management Inc. 659,551 0 0
QUALCOMM INC COM 747525103   1,315,988 11,055 SH   SOLE Spectrum Asset Management Inc. 11,055 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   354,909 3,623 SH   SOLE Spectrum Asset Management Inc. 3,623 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   17,143 175 SH   DFND Spectrum Asset Management Inc. 0 0 175
ROCKWELL AUTOMATION INC COM 773903109   1,233,791 3,745 SH   SOLE Spectrum Asset Management Inc. 3,745 0 0
SCHLUMBERGER LTD COM STK 806857108   978,979 19,914 SH   SOLE Spectrum Asset Management Inc. 19,914 0 0
SCHWAB CHARLES CORP COM 808513105   3,734,324 65,884 SH   SOLE Spectrum Asset Management Inc. 65,884 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,803,213 235,552 SH   SOLE Spectrum Asset Management Inc. 235,552 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,053,035 94,103 SH   SOLE Spectrum Asset Management Inc. 94,103 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,301,279 64,552 SH   SOLE Spectrum Asset Management Inc. 64,552 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,972,889 38,160 SH   SOLE Spectrum Asset Management Inc. 38,160 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   346,439 7,030 SH   SOLE Spectrum Asset Management Inc. 7,030 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   212,426 4,420 SH   SOLE Spectrum Asset Management Inc. 4,420 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,205,779 39,495 SH   SOLE Spectrum Asset Management Inc. 39,495 0 0
SEMPRA COM 816851109   2,925,088 20,091 SH   SOLE Spectrum Asset Management Inc. 20,091 0 0
SPDR GOLD TR GOLD SHS 78463V107   223,551 1,254 SH   SOLE Spectrum Asset Management Inc. 1,254 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   256,578 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,144,792 2,573 SH   SOLE Spectrum Asset Management Inc. 2,573 0 0
TENON MEDICAL INC COM 88066N105   58,834 213,786 SH   SOLE Spectrum Asset Management Inc. 213,786 0 0
TESLA INC COM 88160R101   1,354,213 5,173 SH   SOLE Spectrum Asset Management Inc. 5,173 0 0
TEXAS INSTRS INC COM 882508104   326,737 1,815 SH   SOLE Spectrum Asset Management Inc. 1,815 0 0
UNITEDHEALTH GROUP INC COM 91324P102   554,178 1,153 SH   SOLE Spectrum Asset Management Inc. 1,153 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,557,676 9,039 SH   SOLE Spectrum Asset Management Inc. 9,039 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   425,805 1,933 SH   SOLE Spectrum Asset Management Inc. 1,933 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,332,594 16,534 SH   SOLE Spectrum Asset Management Inc. 16,534 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   918,852 19,897 SH   SOLE Spectrum Asset Management Inc. 19,897 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,539,958 41,408 SH   SOLE Spectrum Asset Management Inc. 41,408 0 0
VICI PPTYS INC COM 925652109   13,763 433 SH   DFND Spectrum Asset Management Inc. 0 0 433
VISA INC COM CL A 92826C839   435,786 1,835 SH   SOLE Spectrum Asset Management Inc. 1,835 0 0
VOLITIONRX LTD COM 928661107   77,279 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   1,524,327 9,698 SH   SOLE Spectrum Asset Management Inc. 9,698 0 0