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   2,950,465 25,879 SH   SOLE Spectrum Asset Management Inc. 25,879 0 0
ABBVIE INC COM 00287Y109   4,358,229 22,069 SH   SOLE Spectrum Asset Management Inc. 22,069 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,196,162 11,871 SH   SOLE Spectrum Asset Management Inc. 11,871 0 0
ADOBE INC COM 00724F101   285,297 551 SH   SOLE Spectrum Asset Management Inc. 551 0 0
ADVANCED MICRO DEVICES INC COM 007903107   284,679 1,735 SH   SOLE Spectrum Asset Management Inc. 1,735 0 0
ALPHABET INC CAP STK CL A 02079K305   892,304 5,380 SH   SOLE Spectrum Asset Management Inc. 5,380 0 0
ALPHABET INC CAP STK CL C 02079K107   450,606 2,695 SH   SOLE Spectrum Asset Management Inc. 2,695 0 0
APPLE INC COM 037833100   1,018,081 4,369 SH   SOLE Spectrum Asset Management Inc. 4,369 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,119,327 8,950 SH   SOLE Spectrum Asset Management Inc. 8,950 0 0
BORGWARNER INC COM 099724106   2,157,711 59,457 SH   SOLE Spectrum Asset Management Inc. 59,457 0 0
CHEVRON CORP NEW COM 166764100   4,790,220 32,527 SH   SOLE Spectrum Asset Management Inc. 32,527 0 0
CHEVRON CORP NEW COM 166764100   15,464 105 SH   DFND Spectrum Asset Management Inc. 0 0 105
CISCO SYS INC COM 17275R102   3,397,928 63,847 SH   SOLE Spectrum Asset Management Inc. 63,847 0 0
CISCO SYS INC COM 17275R102   17,191 323 SH   DFND Spectrum Asset Management Inc. 0 0 323
CONSTELLATION ENERGY CORP COM 21037T109   3,945,024 15,172 SH   SOLE Spectrum Asset Management Inc. 15,172 0 0
CORE LABORATORIES INC COM 21867A105   702,121 37,891 SH   SOLE Spectrum Asset Management Inc. 37,891 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,815,092 2,047 SH   SOLE Spectrum Asset Management Inc. 2,047 0 0
DEERE & CO COM 244199105   451,641 1,078 SH   SOLE Spectrum Asset Management Inc. 1,078 0 0
DIGITAL RLTY TR INC COM 253868103   753,805 4,658 SH   SOLE Spectrum Asset Management Inc. 4,658 0 0
DISNEY WALT CO COM 254687106   2,413,651 25,093 SH   SOLE Spectrum Asset Management Inc. 25,093 0 0
DISNEY WALT CO CALL 254687106   17,110 12,000 PRN Call SOLE Spectrum Asset Management Inc. 12,000 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   3,920,048 33,999 SH   SOLE Spectrum Asset Management Inc. 33,999 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   22,369 194 SH   DFND Spectrum Asset Management Inc. 0 0 194
EDWARDS LIFESCIENCES CORP COM 28176E108   2,511,184 38,054 SH   SOLE Spectrum Asset Management Inc. 38,054 0 0
ELBIT SYS LTD ORD M3760D101   762,381 3,810 SH   SOLE Spectrum Asset Management Inc. 3,810 0 0
EMERSON ELEC CO COM 291011104   3,151,497 28,815 SH   SOLE Spectrum Asset Management Inc. 28,815 0 0
EXXON MOBIL CORP COM 30231G102   3,496,506 29,829 SH   SOLE Spectrum Asset Management Inc. 29,829 0 0
EXXON MOBIL CORP COM 30231G102   19,342 165 SH   DFND Spectrum Asset Management Inc. 0 0 165
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F680   6,880,070 171,787 SH   SOLE Spectrum Asset Management Inc. 171,787 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615   5,297,576 141,874 SH   SOLE Spectrum Asset Management Inc. 141,874 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771   4,862,961 116,506 SH   SOLE Spectrum Asset Management Inc. 116,506 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F698   454,268 10,970 SH   SOLE Spectrum Asset Management Inc. 10,970 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F730   367,924 9,205 SH   SOLE Spectrum Asset Management Inc. 9,205 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   849,155 9,048 SH   SOLE Spectrum Asset Management Inc. 9,048 0 0
GENERAL DYNAMICS CORP COM 369550108   4,932,598 16,322 SH   SOLE Spectrum Asset Management Inc. 16,322 0 0
GENERAL DYNAMICS CORP COM 369550108   21,154 70 SH   DFND Spectrum Asset Management Inc. 0 0 70
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   1,878,962 65,675 SH   SOLE Spectrum Asset Management Inc. 65,675 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343   349,690 7,288 SH   SOLE Spectrum Asset Management Inc. 7,288 0 0
HEARTBEAM INC COM 42238H108   126,208 54,400 SH   SOLE Spectrum Asset Management Inc. 54,400 0 0
HONEYWELL INTL INC COM 438516106   4,636,083 22,428 SH   SOLE Spectrum Asset Management Inc. 22,428 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   265,296 1,200 SH   SOLE Spectrum Asset Management Inc. 1,200 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   11,988,490 66,915 SH   SOLE Spectrum Asset Management Inc. 66,915 0 0
ISHARES GOLD TR ISHARES NEW 464285204   12,409,941 249,697 SH   SOLE Spectrum Asset Management Inc. 249,697 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   4,234,668 59,193 SH   SOLE Spectrum Asset Management Inc. 59,193 0 0
ISHARES INC MSCI FRANCE ETF 464286707   736,977 18,242 SH   SOLE Spectrum Asset Management Inc. 18,242 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   10,825,119 118,553 SH   SOLE Spectrum Asset Management Inc. 118,553 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,537,411 40,716 SH   SOLE Spectrum Asset Management Inc. 40,716 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,441,023 19,346 SH   SOLE Spectrum Asset Management Inc. 19,346 0 0
ISHARES TR US AER DEF ETF 464288760   2,198,563 14,692 SH   SOLE Spectrum Asset Management Inc. 14,692 0 0
ISHARES TR 20 YR TR BD ETF 464287432   821,097 8,370 SH   SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   468,187 20,684 SH   SOLE Spectrum Asset Management Inc. 20,684 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   322,080 13,964 SH   SOLE Spectrum Asset Management Inc. 13,964 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866   321,393 13,723 SH   SOLE Spectrum Asset Management Inc. 13,723 0 0
ISHARES TR CORE S&P500 ETF 464287200   301,677 523 SH   SOLE Spectrum Asset Management Inc. 523 0 0
ISHARES TR RUS 1000 ETF 464287622   204,040 649 SH   SOLE Spectrum Asset Management Inc. 649 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   3,567,000 14,996 SH   SOLE Spectrum Asset Management Inc. 14,996 0 0
MAXIMUS INC COM 577933104   765,217 8,214 SH   SOLE Spectrum Asset Management Inc. 8,214 0 0
MCDONALDS CORP COM 580135101   672,045 2,207 SH   SOLE Spectrum Asset Management Inc. 2,207 0 0
MCKESSON CORP COM 58155Q103   297,078 600 SH   SOLE Spectrum Asset Management Inc. 600 0 0
MEDTRONIC PLC SHS G5960L103   3,653,788 40,271 SH   SOLE Spectrum Asset Management Inc. 40,271 0 0
MEDTRONIC PLC SHS G5960L103   16,604 183 SH   DFND Spectrum Asset Management Inc. 0 0 183
MERCADOLIBRE INC COM 58733R102   453,484 221 SH   SOLE Spectrum Asset Management Inc. 221 0 0
MICRON TECHNOLOGY INC COM 595112103   820,554 7,912 SH   SOLE Spectrum Asset Management Inc. 7,912 0 0
MICROSOFT CORP COM 594918104   5,572,732 12,951 SH   SOLE Spectrum Asset Management Inc. 12,951 0 0
MICROSOFT CORP COM 594918104   14,631 34 SH   DFND Spectrum Asset Management Inc. 0 0 34
MORNINGSTAR INC COM 617700109   575,961 1,805 SH   SOLE Spectrum Asset Management Inc. 1,805 0 0
NVIDIA CORPORATION PUT 67066G104   1,970 17,000 PRN Put SOLE Spectrum Asset Management Inc. 17,000 0 0
NVIDIA CORPORATION COM 67066G104   221,015 1,820 SH   SOLE Spectrum Asset Management inc. 1,820 0 0
OCCIDENTAL PETE CORP COM 674599105   601,202 11,593 SH   SOLE Spectrum Asset Management Inc. 11,593 0 0
ORACLE CORP COM 68389X105   4,802,796 28,185 SH   SOLE Spectrum Asset Management Inc. 28,185 0 0
PAYPAL HLDGS INC COM 70450Y103   313,681 4,020 SH   SOLE Spectrum Asset Management Inc. 4,020 0 0
PEPSICO INC COM 713448108   353,164 2,077 SH   SOLE Spectrum Asset Management Inc. 2,077 0 0
PFIZER INC COM 717081103   463,334 16,010 SH   SOLE Spectrum Asset Management Inc. 16,010 0 0
PFIZER INC CALL 717081103   10,783 9,500 PRN Call SOLE Spectrum Asset Management Inc. 9,500 0 0
PFIZER INC COM 717081103   9,551 330 SH   DFND Spectrum Asset Management Inc. 0 0 330
ROCKWELL AUTOMATION INC COM 773903109   687,795 2,562 SH   SOLE Spectrum Asset Management Inc. 2,562 0 0
RTX CORPORATION COM 75513E101   1,371,249 11,318 SH   SOLE Spectrum Asset Management Inc. 11,318 0 0
RTX CORPORATION COM 75513E101   23,021 190 SH   DFND Spectrum Asset Management Inc. 0 0 190
SCHLUMBERGER LTD COM STK 806857108   675,217 15,991 SH   SOLE Spectrum Asset Management Inc. 15,991 0 0
SCHWAB CHARLES CORP COM 808513105   4,223,495 65,167 SH   SOLE Spectrum Asset Management Inc. 65,167 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   1,150,000 1,150,000 SH   SOLE Spectrum Asset Management Inc. 1,150,000 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   15,926,284 198,162 SH   SOLE Spectrum Asset Management Inc. 198,162 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   9,653,309 92,660 SH   SOLE Spectrum Asset Management Inc. 92,660 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,990,341 145,679 SH   SOLE Spectrum Asset Management Inc. 145,679 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,016,386 30,312 SH   SOLE Spectrum Asset Management Inc. 30,312 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,847,899 35,255 SH   SOLE Spectrum Asset Management Inc. 35,255 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,690,099 19,249 SH   SOLE Spectrum Asset Management Inc. 19,249 0 0
SEMPRA COM 816851109   441,454 5,279 SH   SOLE Spectrum Asset Management Inc. 5,279 0 0
SPDR GOLD TR GOLD SHS 78463V107   263,234 1,083 SH   SOLE Spectrum Asset Management Inc. 1,083 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   297,526 7,921 SH   SOLE Spectrum Asset Management Inc. 7,921 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,470,098 2,554 SH   SOLE Spectrum Asset Management Inc. 2,554 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113   32,635 1,070,000 SH   SOLE Spectrum Asset Management Inc. 1,070,000 0 0
TENON MEDICAL INC COM 88066N303   42,506 10,025 SH   SOLE Spectrum Asset Management Inc. 10,025 0 0
TEXAS INSTRS INC COM 882508104   355,840 1,723 SH   SOLE Spectrum Asset Management Inc. 1,723 0 0
ULTA BEAUTY INC COM 90384S303   2,443,674 6,280 SH   SOLE Spectrum Asset Management Inc. 6,280 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,480,002 5,952 SH   SOLE Spectrum Asset Management Inc. 5,952 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,928,235 7,627 SH   SOLE Spectrum Asset Management Inc. 7,627 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   439,116 1,546 SH   SOLE Spectrum Asset Management Inc. 1,546 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   8,147,287 114,589 SH   SOLE Spectrum Asset Management Inc. 114,589 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   877,217 3,373 SH   SOLE Spectrum Asset Management Inc. 3,373 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   708,167 13,410 SH   SOLE Spectrum Asset Management Inc. 13,410 0 0
VEEVA SYS INC CL A COM 922475108   275,980 1,315 SH   SOLE Spectrum Asset Management Inc. 1,315 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,331,120 74,173 SH   SOLE Spectrum Asset Management Inc. 74,173 0 0
VERTIV HOLDINGS CO COM CL A 92537N108   911,329 9,160 SH   SOLE Spectrum Asset Management Inc. 9,160 0 0
VISA INC COM CL A 92826C839   540,995 1,968 SH   SOLE Spectrum Asset Management Inc. 1,968 0 0
WALMART INC COM 931142103   6,339,309 78,505 SH   SOLE Spectrum Asset Management Inc. 78,505 0 0