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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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   1,540,109 15,902 SH   SOLE Spectrum Asset Management Inc. 15,902 0 0
ABBVIE INC COM 00287Y109   3,367,945 22,595 SH   SOLE Spectrum Asset Management Inc. 22,595 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   27,458 11,207 SH   SOLE Spectrum Asset Management Inc. 11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,473,107 11,309 SH   SOLE Spectrum Asset Management Inc. 11,309 0 0
ADOBE INC COM 00724F101   467,579 917 SH   SOLE Spectrum Asset Management Inc. 917 0 0
ALKERMES PLC SHS G01767105   311,892 11,135 SH   SOLE Spectrum Asset Management Inc. 11,135 0 0
ALPHABET INC CAP STK CL A 02079K305   819,184 6,260 SH   SOLE Spectrum Asset Management Inc. 6,260 0 0
AMERICOLD REALTY TRUST INC COM 03064D108   2,712,808 88,567 SH   SOLE Spectrum Asset Management Inc. 88,567 0 0
APPLE INC COM 037833100   3,424,517 20,002 SH   SOLE Spectrum Asset Management Inc. 20,002 0 0
APPLE INC PUT 037833100   10,054 3,300 PRN Put SOLE Spectrum Asset Management Inc. 3,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,877,715 8,215 SH   SOLE Spectrum Asset Management Inc. 8,215 0 0
BORGWARNER INC COM 099724106   2,154,467 53,368 SH   SOLE Spectrum Asset Management Inc. 53,368 0 0
BUNGE LIMITED COM G16962105   2,991,706 27,637 SH   SOLE Spectrum Asset Management Inc. 27,637 0 0
CALIDI BIOTHERAPEUTICS INC COM NEW 320703101   276,797 83,247 SH   SOLE Spectrum Asset Management Inc. 83,247 0 0
CF INDS HLDGS INC COM 125269100   3,141,428 36,639 SH   SOLE Spectrum Asset Management Inc. 36,639 0 0
CHESAPEAKE ENERGY CORP COM 165167735   2,710,661 31,435 SH   SOLE Spectrum Asset Management Inc. 31,435 0 0
CHEVRON CORP NEW COM 166764100   7,352,322 43,603 SH   SOLE Spectrum Asset Management Inc. 43,603 0 0
CHEVRON CORP NEW COM 166764100   17,706 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   4,551,079 84,655 SH   SOLE Spectrum Asset Management Inc. 84,655 0 0
CISCO SYS INC COM 17275R102   17,365 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CONOCOPHILLIPS COM 20825C104   968,703 8,086 SH   SOLE Spectrum Asset Management Inc. 8,086 0 0
CONOCOPHILLIPS COM 20825C104   18,210 152 SH   DFND Spectrum Asset Management Inc. 0 0 152
COSTCO WHSL CORP NEW COM 22160K105   1,146,483 2,029 SH   SOLE Spectrum Asset Management Inc. 2,029 0 0
DEERE & CO COM 244199105   1,185,804 3,131 SH   SOLE Spectrum Asset Management Inc. 3,131 0 0
DISNEY WALT CO COM 254687106   272,086 3,357 SH   SOLE Spectrum Asset Management Inc. 3,357 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   2,816,377 31,910 SH   SOLE Spectrum Asset Management Inc. 31,910 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   15,976 181 SH   DFND Spectrum Asset Management Inc. 0 0 181
EMERSON ELEC CO COM 291011104   2,441,483 25,282 SH   SOLE Spectrum Asset Management Inc. 25,282 0 0
EXXON MOBIL CORP COM 30231G102   4,328,066 36,810 SH   SOLE Spectrum Asset Management Inc. 36,810 0 0
EXXON MOBIL CORP COM 30231G102   19,401 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   651,279 9,572 SH   SOLE Spectrum Asset Management Inc. 9,572 0 0
GENERAL DYNAMICS CORP COM 369550108   2,955,474 13,375 SH   SOLE Spectrum Asset Management Inc. 13,375 0 0
GENERAL DYNAMICS CORP COM 369550108   15,468 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   330,635 7,415 SH   SOLE Spectrum Asset Management Inc. 7,415 0 0
HEARTBEAM INC COM 42238H108   96,535 44,900 SH   SOLE Spectrum Asset Management Inc. 44,900 0 0
HEXCEL CORP NEW COM 428291108   664,233 10,197 SH   SOLE Spectrum Asset Management Inc. 10,197 0 0
HONEYWELL INTL INC COM 438516106   3,881,388 21,010 SH   SOLE Spectrum Asset Management Inc. 21,010 0 0
IDEXX LABS INC COM 45168D104   250,993 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
INMODE LTD SHS M5425M103   255,255 8,380 SH   SOLE Spectrum Asset Management Inc. 8,380 0 0
INTEL CORP COM 458140100   3,824,236 107,573 SH   SOLE Spectrum Asset Management Inc. 107,573 0 0
INTEL CORP CALL 458140100   48,837 10,000 PRN Call SOLE Spectrum Asset Management Inc. 10,000 0 0
INTEL CORP COM 458140100   9,243 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTUIT COM 461202103   935,532 1,831 SH   SOLE Spectrum Asset Management Inc. 1,831 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,841,322 34,168 SH   SOLE Spectrum Asset Management Inc. 34,168 0 0
ISHARES GOLD TR ISHARES NEW 464285204   7,733,350 221,016 SH   SOLE Spectrum Asset Management Inc. 221,016 0 0
ISHARES INC MSCI SINGPOR ETF 46434G780   698,126 38,045 SH   SOLE Spectrum Asset Management Inc. 38,045 0 0
ISHARES TR US TREAS BD ETF 46429B267   17,308,900 785,340 SH   SOLE Spectrum Asset Management Inc. 785,340 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   5,793,925 61,435 SH   SOLE Spectrum Asset Management Inc. 61,435 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,906,208 53,681 SH   SOLE Spectrum Asset Management Inc. 53,681 0 0
ISHARES TR TRS FLT RT BD 46434V860   940,822 18,542 SH   SOLE Spectrum Asset Management Inc. 18,542 0 0
ISHARES TR 20 YR TR BD ETF 464287432   795,993 8,975 SH   SOLE Spectrum Asset Management Inc. 8,975 0 0
ISHARES TR CORE S&P500 ETF 464287200   578,429 1,341 SH   SOLE Spectrum Asset Management Inc. 1,341 0 0
ISHARES TR RUS 1000 ETF 464287622   572,736 2,428 SH   SOLE Spectrum Asset Management Inc. 2,428 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   338,050 4,175 SH   SOLE Spectrum Asset Management Inc. 4,175 0 0
ISHARES TR CORE TOTAL USD 46434V613   227,668 5,208 SH   SOLE Spectrum Asset Management Inc. 5,208 0 0
MARRIOTT INTL INC NEW CL A 571903202   397,052 2,020 SH   SOLE Spectrum Asset Management Inc. 2,020 0 0
MCDONALDS CORP COM 580135101   477,660 1,813 SH   SOLE Spectrum Asset Management Inc. 1,813 0 0
MCKESSON CORP COM 58155Q103   261,282 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   3,216,483 40,688 SH   SOLE Spectrum Asset Management Inc. 40,688 0 0
MEDTRONIC PLC SHS G5960L103   3,216,483 40,688 SH   SOLE Spectrum Asset Management Inc. 40,688 0 0
MEDTRONIC PLC SHS G5960L103   13,281 168 SH   DFND Spectrum Asset Management Inc. 0 0 168
MERCADOLIBRE INC COM 58733R102   292,881 231 SH   SOLE Spectrum Asset Management Inc. 231 0 0
MICROSOFT CORP COM 594918104   3,873,173 12,267 SH   SOLE Spectrum Asset Management Inc. 12,267 0 0
MICROSOFT CORP COM 594918104   10,736 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   421,632 1,800 SH   SOLE Spectrum Asset Management Inc. 1,800 0 0
NIKE INC CL B 654106103   382,287 3,984 SH   SOLE Spectrum Asset Management Inc. 3,984 0 0
NORTHROP GRUMMAN CORP COM 666807102   252,670 574 SH   SOLE Spectrum Asset Management Inc. 574 0 0
NVIDIA CORPORATION COM 67066G104   230,185 529 SH   SOLE Spectrum Asset Management Inc. 529 0 0
ORACLE CORP COM 68389X105   2,882,190 27,211 SH   SOLE Spectrum Asset Management Inc. 27,211 0 0
PEPSICO INC COM 713448108   416,423 2,458 SH   SOLE Spectrum Asset Management Inc. 2,458 0 0
PFIZER INC COM 717081103   222,571 6,710 SH   SOLE Spectrum Asset Management Inc. 6,710 0 0
PFIZER INC COM 717081103   10,947 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
PIONEER NAT RES CO COM 723787107   212,793 927 SH   SOLE Spectrum Asset Management Inc. 927 0 0
QUALCOMM INC COM 747525103   1,226,658 11,045 SH   SOLE Spectrum Asset Management Inc. 11,045 0 0
ROCKWELL AUTOMATION INC COM 773903109   1,070,584 3,745 SH   SOLE Spectrum Asset Management Inc. 3,745 0 0
RTX CORPORATION COM 75513E101   259,359 3,604 SH   SOLE Spectrum Asset Management Inc. 3,604 0 0
RTX CORPORATION COM 75513E101   12,595 175 SH   DFND Spectrum Asset Management Inc. 0 0 175
SCHLUMBERGER LTD COM STK 806857108   1,089,094 18,599 SH   SOLE Spectrum Asset Management Inc. 18,599 0 0
SCHWAB CHARLES CORP COM 808513105   3,755,572 68,407 SH   SOLE Spectrum Asset Management Inc. 68,407 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   4,343,000 4,343,000 SH   SOLE Spectrum Asset Management Inc. 4,343,000 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   14,686,012 227,831 SH   SOLE Spectrum Asset Management Inc. 227,831 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,659,868 91,582 SH   SOLE Spectrum Asset Management Inc. 91,582 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,158,906 63,572 SH   SOLE Spectrum Asset Management Inc. 63,572 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,900,799 38,130 SH   SOLE Spectrum Asset Management Inc. 38,130 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   365,783 7,630 SH   SOLE Spectrum Asset Management Inc. 7,630 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,593,915 39,760 SH   SOLE Spectrum Asset Management Inc. 39,760 0 0
SEMPRA COM 816851109   2,760,415 40,225 SH   SOLE Spectrum Asset Management Inc. 40,225 0 0
SPDR GOLD TR GOLD SHS 78463V107   214,999 1,254 SH   SOLE Spectrum Asset Management Inc. 1,254 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   244,514 7,885 SH   SOLE Spectrum Asset Management Inc. 7,885 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,121,194 2,613 SH   SOLE Spectrum Asset Management Inc. 2,613 0 0
TENON MEDICAL INC COM 88066N105   168,237 1,082,606 SH   SOLE Spectrum Asset Management Inc. 1,082,606 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113   43,656 1,070,000 SH   SOLE Spectrum Asset Management Inc. 1,070,000 0 0
TESLA INC COM 88160R101   1,279,448 5,113 SH   SOLE Spectrum Asset Management Inc. 5,113 0 0
TEXAS INSTRS INC COM 882508104   270,317 1,700 SH   SOLE Spectrum Asset Management Inc. 1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102   581,332 1,153 SH   SOLE Spectrum Asset Management Inc. 1,153 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,507,703 9,209 SH   SOLE Spectrum Asset Management Inc. 9,209 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   410,592 1,933 SH   SOLE Spectrum Asset Management Inc. 1,933 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,595,597 13,334 SH   SOLE Spectrum Asset Management Inc. 13,334 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   875,076 20,015 SH   SOLE Spectrum Asset Management Inc. 20,015 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,317,979 40,666 SH   SOLE Spectrum Asset Management Inc. 40,666 0 0
VISA INC COM CL A 92826C839   1,149,727 4,999 SH   SOLE Spectrum Asset Management Inc. 4,999 0 0
VOLITIONRX LTD COM 928661107   38,306 55,596 SH   SOLE Spectrum Asset Management Inc. 55,596 0 0
WALMART INC COM 931142103   3,808,800 23,815 SH   SOLE Spectrum Asset Management Inc. 23,815 0 0