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   2,175,356 20,935 SH   SOLE Spectrum Asset Management Inc. 20,935 0 0
ABBVIE INC COM 00287Y109   3,802,521 22,170 SH   SOLE Spectrum Asset Management Inc. 22,170 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,543,526 11,679 SH   SOLE Spectrum Asset Management Inc. 11,679 0 0
ADOBE INC COM 00724F101   306,103 551 SH   SOLE Spectrum Asset Management Inc. 551 0 0
ADVANCED MICRO DEVICES INC COM 007903107   265,214 1,635 SH   SOLE Spectrum Asset Management Inc. 1,635 0 0
ALPHABET INC CAP STK CL A 02079K305   858,803 4,715 SH   SOLE Spectrum Asset Management Inc. 4,715 0 0
ALPHABET INC CAP STK CL C 02079K107   373,269 2,035 SH   SOLE Spectrum Asset Management Inc. 2,035 0 0
APPLE INC COM 037833100   915,999 4,349 SH   SOLE Spectrum Asset Management Inc. 4,349 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,637,606 8,942 SH   SOLE Spectrum Asset Management Inc. 8,942 0 0
BORGWARNER INC COM 099724106   1,906,710 59,141 SH   SOLE Spectrum Asset Management Inc. 59,141 0 0
BUNGE GLOBAL SA COM SHS H11356104   3,087,801 28,920 SH   SOLE Spectrum Asset Management Inc. 28,920 0 0
CHESAPEAKE ENERGY CORP COM 165167735   863,079 10,501 SH   SOLE Spectrum Asset Management Inc. 10,501 0 0
CHEVRON CORP NEW COM 166764100   5,682,483 36,328 SH   SOLE Spectrum Asset Management Inc. 36,328 0 0
CHEVRON CORP NEW COM 166764100   16,425 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   3,018,319 63,530 SH   SOLE Spectrum Asset Management Inc. 63,530 0 0
CISCO SYS INC COM 17275R102   15,346 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CONSTELLATION ENERGY CORP COM 21037T109   2,790,162 13,932 SH   SOLE Spectrum Asset Management Inc. 13,932 0 0
CORE LABORATORIES INC COM 21867A105   791,128 38,991 SH   SOLE Spectrum Asset Management Inc. 38,991 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,651,451 1,943 SH   SOLE Spectrum Asset Management Inc. 1,943 0 0
DEERE & CO COM 244199105   402,810 1,074 SH   SOLE Spectrum Asset Management Inc. 1,074 0 0
DIGITAL RLTY TR INC COM 253868103   708,249 4,658 SH   SOLE Spectrum Asset Management Inc. 4,658 0 0
DISNEY WALT CO COM 254687106   2,437,824 24,553 SH   SOLE Spectrum Asset Management Inc. 24,553 0 0
DISNEY WALT CO CALL 254687106   5,964 4,000 PRN Call SOLE Spectrum Asset Management Inc. 4,000 0 0
DOMINION ENERGY INC COM 25746U109   755,188 15,412 SH   SOLE Spectrum Asset Management Inc. 15,412 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,293,390 32,858 SH   SOLE Spectrum Asset Management Inc. 32,858 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   19,445 194 SH   DFND Spectrum Asset Management Inc. 0 0 194
EDWARDS LIFESCIENCES CORP COM 28176E108   243,026 2,631 SH   SOLE Spectrum Asset Management Inc. 2,631 0 0
EMERSON ELEC CO COM 291011104   3,177,566 28,845 SH   SOLE Spectrum Asset Management Inc. 28,845 0 0
EURONET WORLDWIDE INC COM 298736109   231,530 2,237 SH   SOLE Spectrum Asset Management Inc. 2,237 0 0
EXXON MOBIL CORP COM 30231G102   4,214,756 36,612 SH   SOLE Spectrum Asset Management Inc. 36,612 0 0
EXXON MOBIL CORP COM 30231G102   18,995 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F631   6,787,771 182,776 SH   SOLE Spectrum Asset Management Inc. 182,776 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   5,139,864 142,774 SH   SOLE Spectrum Asset Management Inc. 142,774 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771   4,771,604 118,314 SH   SOLE Spectrum Asset Management Inc. 118,314 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F730   354,117 9,205 SH   SOLE Spectrum Asset Management Inc. 9,205 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   740,630 9,505 SH   SOLE Spectrum Asset Management Inc. 9,505 0 0
GENERAL DYNAMICS CORP COM 369550108   4,130,598 14,237 SH   SOLE Spectrum Asset Management Inc. 14,237 0 0
GENERAL DYNAMICS CORP COM 369550108   20,310 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLBL X MLP ETF 37954Y343   346,831 7,151 SH   SOLE Spectrum Asset Management Inc. 7,151 0 0
HEARTBEAM INC COM 42238H108   275,504 107,200 SH   SOLE Spectrum Asset Management Inc. 107,200 0 0
HONEYWELL INTL INC COM 438516106   4,819,970 22,572 SH   SOLE Spectrum Asset Management Inc. 22,572 0 0
INTEL CORP COM 458140100   2,976,810 96,119 SH   SOLE Spectrum Asset Management Inc. 96,119 0 0
INTEL CORP COM 458140100   8,053 260 SH   DFND Spectrum Asset Management Inc. 0 0 260
INTERNATIONAL BUSINESS MACHS COM 459200101   207,540 1,200 SH   SOLE Spectrum Asset Management Inc. 1,200 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,744,199 41,053 SH   SOLE Spectrum Asset Management Inc. 41,053 0 0
ISHARES GOLD TR ISHARES NEW 464285204   10,055,753 228,904 SH   SOLE Spectrum Asset Management Inc. 228,904 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   9,884,733 117,731 SH   SOLE Spectrum Asset Management Inc. 117,731 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,690,507 25,225 SH   SOLE Spectrum Asset Management Inc. 25,225 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,391,348 40,864 SH   SOLE Spectrum Asset Management Inc. 40,864 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,338,535 19,599 SH   SOLE Spectrum Asset Management Inc. 19,599 0 0
ISHARES TR US AER DEF ETF 464288760   1,972,194 14,935 SH   SOLE Spectrum Asset Management Inc. 14,935 0 0
ISHARES TR 20 YR TR BD ETF 464287432   768,199 8,370 SH   SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   466,922 21,152 SH   SOLE Spectrum Asset Management Inc. 21,152 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   323,664 13,939 SH   SOLE Spectrum Asset Management Inc. 13,939 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   323,081 14,261 SH   SOLE Spectrum Asset Management Inc. 14,261 0 0
ISHARES TR CORE S&P500 ETF 464287200   288,391 527 SH   SOLE Spectrum Asset Management Inc. 527 0 0
ISHARES TR US TREAS BD ETF 46429B267   203,808 9,030 SH   SOLE Spectrum Asset Management Inc. 9,030 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   2,877,519 12,813 SH   SOLE Spectrum Asset Management Inc. 12,813 0 0
MAXIMUS INC COM 577933104   740,791 8,644 SH   SOLE Spectrum Asset Management Inc. 8,644 0 0
MCDONALDS CORP COM 580135101   630,126 2,473 SH   SOLE Spectrum Asset Management Inc. 2,473 0 0
MCKESSON CORP COM 58155Q103   350,796 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   3,198,874 40,283 SH   SOLE Spectrum Asset Management Inc. 40,283 0 0
MEDTRONIC PLC SHS G5960L103   14,533 183 SH   DFND Spectrum Asset Management Inc. 0 0 183
MERCADOLIBRE INC COM 58733R102   363,192 221 SH   SOLE Spectrum Asset Management Inc. 221 0 0
MICROSOFT CORP COM 594918104   5,692,610 12,737 SH   SOLE Spectrum Asset Management Inc. 12,737 0 0
MICROSOFT CORP COM 594918104   15,197 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   533,293 1,803 SH   SOLE Spectrum Asset Management Inc. 1,803 0 0
NIKE INC CL B 654106103   612,171 8,120 SH   SOLE Spectrum Asset Management Inc. 8,120 0 0
NVIDIA CORPORATION COM 67066G104   224,819 1,820 SH   SOLE Spectrum Asset Management inc. 1,820 0 0
OCCIDENTAL PETE CORP COM 674599105   1,099,944 17,393 SH   SOLE Spectrum Asset Management Inc. 17,393 0 0
ORACLE CORP COM 68389X105   3,954,005 28,003 SH   SOLE Spectrum Asset Management Inc. 28,003 0 0
PAYPAL HLDGS INC COM 70450Y103   233,861 4,030 SH   SOLE Spectrum Asset Management Inc. 4,030 0 0
PEPSICO INC COM 713448108   340,011 2,062 SH   SOLE Spectrum Asset Management Inc. 2,062 0 0
PFIZER INC COM 717081103   405,642 14,498 SH   SOLE Spectrum Asset Management Inc. 14,498 0 0
PFIZER INC CALL 717081103   12,683 9,500 PRN Call SOLE Spectrum Asset Management Inc. 9,500 0 0
PFIZER INC COM 717081103   9,234 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
QUALCOMM INC COM 747525103   2,685,332 13,482 SH   SOLE Spectrum Asset Management Inc. 13,482 0 0
ROCKWELL AUTOMATION INC COM 773903109   741,054 2,692 SH   SOLE Spectrum Asset Management Inc. 2,692 0 0
RTX CORPORATION COM 75513E101   1,174,930 11,704 SH   SOLE Spectrum Asset Management Inc. 11,704 0 0
RTX CORPORATION COM 75513E101   19,075 190 SH   DFND Spectrum Asset Management Inc. 0 0 190
SCHLUMBERGER LTD COM STK 806857108   797,650 16,809 SH   SOLE Spectrum Asset Management Inc. 16,809 0 0
SCHWAB CHARLES CORP COM 808513105   4,833,790 65,596 SH   SOLE Spectrum Asset Management Inc. 65,596 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   16,138,553 216,571 SH   SOLE Spectrum Asset Management Inc. 216,571 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   9,390,536 93,025 SH   SOLE Spectrum Asset Management Inc. 93,025 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,720,552 147,503 SH   SOLE Spectrum Asset Management Inc. 147,503 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,972,048 31,266 SH   SOLE Spectrum Asset Management Inc. 31,266 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,432,122 35,693 SH   SOLE Spectrum Asset Management Inc. 35,693 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,714,730 18,812 SH   SOLE Spectrum Asset Management Inc. 18,812 0 0
SEMPRA COM 816851109   401,496 5,236 SH   SOLE Spectrum Asset Management Inc. 5,236 0 0
SKYLINE CHAMPION CORPORATION COM 830830105   262,125 3,869 SH   SOLE Spectrum Asset Management Inc. 3,869 0 0
SPDR GOLD TR GOLD SHS 78463V107   236,296 1,099 SH   SOLE Spectrum Asset Management Inc. 1,099 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   277,881 7,921 SH   SOLE Spectrum Asset Management Inc. 7,921 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,437,765 2,633 SH   SOLE Spectrum Asset Management Inc. 2,633 0 0
TENON MEDICAL INC COM NEW 88066N204   48,922 80,200 SH   SOLE Spectrum Asset Management Inc. 80,200 0 0
TEXAS INSTRS INC COM 882508104   332,874 1,711 SH   SOLE Spectrum Asset Management Inc. 1,711 0 0
UNITEDHEALTH GROUP INC COM 91324P102   589,368 1,157 SH   SOLE Spectrum Asset Management Inc. 1,157 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,937,686 7,845 SH   SOLE Spectrum Asset Management Inc. 7,845 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   422,295 1,573 SH   SOLE Spectrum Asset Management Inc. 1,573 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   7,547,053 113,031 SH   SOLE Spectrum Asset Management Inc. 113,031 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,227,110 9,021 SH   SOLE Spectrum Asset Management Inc. 9,021 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   668,375 13,524 SH   SOLE Spectrum Asset Management Inc. 13,524 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,058,693 74,168 SH   SOLE Spectrum Asset Management Inc. 74,168 0 0
VISA INC COM CL A 92826C839   1,290,630 4,917 SH   SOLE Spectrum Asset Management Inc. 4,917 0 0
WALMART INC COM 931142103   5,305,159 78,351 SH   SOLE Spectrum Asset Management Inc. 78,351 0 0