Spectrum Asset Management 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	2,381,405	20,952	SH		SOLE	Spectrum Asset Management Inc.	20,952	0	0
ABBVIE INC	COM	00287Y109	3,909,014	21,466	SH		SOLE	Spectrum Asset Management Inc.	21,466	0	0
ABRDN ASIA PACIFIC INCOME FU	COM	003009107	31,381	11,207	SH		SOLE	Spectrum Asset Management Inc.	11,207	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,015,131	11,584	SH		SOLE	Spectrum Asset Management Inc.	11,584	0	0
ALPHABET INC	CAP STK CL A	02079K305	710,881	4,710	SH		SOLE	Spectrum Asset Management Inc.	4,710	0	0
ALPHABET INC	CAP STK CL C	02079K107	309,841	2,035	SH		SOLE	Spectrum Asset Management Inc.	2,035	0	0
AMERICOLD REALTY TRUST INC	COM	03064D108	1,778,706	70,752	SH		SOLE	Spectrum Asset Management Inc.	70,752	0	0
APPLE INC	COM	037833100	2,162,267	12,609	SH		SOLE	Spectrum Asset Management Inc.	12,609	0	0
APPLE INC	PUT	037833100	910	2,000	PRN	Put	SOLE	Spectrum Asset Management Inc.	2,000	0	0
BANK AMERICA CORP	COM	060505104	199,894	5,271	SH		SOLE	Spectrum Asset Management Inc.	5,271	0	0
BANK AMERICA CORP	COM	060505104	19,946	526	SH		DFND	Spectrum Asset Management Inc.	0	0	526
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,926,816	9,338	SH		SOLE	Spectrum Asset Management Inc.	9,338	0	0
BORGWARNER INC	COM	099724106	2,051,328	59,048	SH		SOLE	Spectrum Asset Management Inc.	59,048	0	0
BUNGE GLOBAL SA	COM SHS	H11356104	2,910,031	28,385	SH		SOLE	Spectrum Asset Management Inc.	28,385	0	0
CALIDI BIOTHERAPEUTICS INC	COM NEW	320703101	94,070	166,494	SH		SOLE	Spectrum Asset Management Inc.	166,494	0	0
CHESAPEAKE ENERGY CORP	COM	165167735	898,112	10,110	SH		SOLE	Spectrum Asset Management Inc.	10,110	0	0
CHEVRON CORP NEW	COM	166764100	6,883,708	43,640	SH		SOLE	Spectrum Asset Management Inc.	43,640	0	0
CHEVRON CORP NEW	COM	166764100	16,563	105	SH		DFND	Spectrum Asset Management Inc.	0	0	105
CISCO SYS INC	COM	17275R102	3,165,130	63,417	SH		SOLE	Spectrum Asset Management Inc.	63,417	0	0
CISCO SYS INC	COM	17275R102	16,121	323	SH		DFND	Spectrum Asset Management Inc.	0	0	323
COSTCO WHSL CORP NEW	COM	22160K105	1,474,301	2,012	SH		SOLE	Spectrum Asset Management Inc.	2,012	0	0
CROWN CASTLE INC	COM	22822V101	8,467	80	SH		DFND	Spectrum Asset Management Inc.	0	0	80
DEERE & CO	COM	244199105	441,065	1,070	SH		SOLE	Spectrum Asset Management Inc.	1,070	0	0
DISNEY WALT CO	COM	254687106	2,807,130	22,942	SH		SOLE	Spectrum Asset Management Inc.	22,942	0	0
DISNEY WALT CO	CALL	254687106	35,290	4,000	PRN	Call	SOLE	Spectrum Asset Management Inc.	4,000	0	0
DOMINION ENERGY INC	COM	25746U109	758,117	15,412	SH		SOLE	Spectrum Asset Management Inc.	15,412	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	3,173,249	32,812	SH		SOLE	Spectrum Asset Management Inc.	32,812	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	18,762	194	SH		DFND	Spectrum Asset Management Inc.	0	0	194
EMERSON ELEC CO	COM	291011104	3,282,942	28,945	SH		SOLE	Spectrum Asset Management Inc.	28,945	0	0
EXXON MOBIL CORP	COM	30231G102	4,367,067	37,569	SH		SOLE	Spectrum Asset Management Inc.	37,569	0	0
EXXON MOBIL CORP	COM	30231G102	19,180	165	SH		DFND	Spectrum Asset Management Inc.	0	0	165
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F631	6,638,312	184,244	SH		SOLE	Spectrum Asset Management Inc.	184,244	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F615	4,968,574	142,366	SH		SOLE	Spectrum Asset Management Inc.	142,366	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F771	4,675,914	119,558	SH		SOLE	Spectrum Asset Management Inc.	119,558	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F631	6,638,312	184,244	SH		SOLE	Spectrum Asset Management Inc.	184,244	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F615	4,968,574	142,366	SH		SOLE	Spectrum Asset Management Inc.	142,366	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F771	4,675,914	119,558	SH		SOLE	Spectrum Asset Management Inc.	119,558	0	0
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	856,100	9,417	SH		SOLE	Spectrum Asset Management Inc.	9,417	0	0
GENERAL DYNAMICS CORP	COM	369550108	4,028,590	14,261	SH		SOLE	Spectrum Asset Management Inc.	14,261	0	0
GENERAL DYNAMICS CORP	COM	369550108	19,775	70	SH		DFND	Spectrum Asset Management Inc.	0	0	70
GLOBAL X FDS	GLBL X MLP ETF	37954Y343	338,505	7,020	SH		SOLE	Spectrum Asset Management Inc.	7,020	0	0
HEARTBEAM INC	COM	42238H108	97,882	44,900	SH		SOLE	Spectrum Asset Management Inc.	44,900	0	0
HONEYWELL INTL INC	COM	438516106	4,614,020	22,480	SH		SOLE	Spectrum Asset Management Inc.	22,480	0	0
INTEL CORP	COM	458140100	4,690,787	106,198	SH		SOLE	Spectrum Asset Management Inc.	106,198	0	0
INTEL CORP	COM	458140100	11,485	260	SH		DFND	Spectrum Asset Management Inc.	0	0	260
INTERNATIONAL BUSINESS MACHS	COM	459200101	229,152	1,200	SH		SOLE	Spectrum Asset Management Inc.	1,200	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	5,671,714	33,487	SH		SOLE	Spectrum Asset Management Inc.	33,487	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	9,653,604	229,793	SH		SOLE	Spectrum Asset Management Inc.	229,793	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	9,759,219	116,765	SH		SOLE	Spectrum Asset Management Inc.	116,765	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,757,585	24,951	SH		SOLE	Spectrum Asset Management Inc.	24,951	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	2,452,682	40,380	SH		SOLE	Spectrum Asset Management Inc.	40,380	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	2,302,149	20,026	SH		SOLE	Spectrum Asset Management Inc.	20,026	0	0
ISHARES TR	CHINA LG-CAP ETF	464287184	1,876,425	77,957	SH		SOLE	Spectrum Asset Management Inc.	77,957	0	0
ISHARES TR	20 YR TR BD ETF	464287432	791,970	8,370	SH		SOLE	Spectrum Asset Management Inc.	8,370	0	0
ISHARES TR	RUS 1000 ETF	464287622	704,939	2,447	SH		SOLE	Spectrum Asset Management Inc.	2,447	0	0
ISHARES TR	US AER DEF ETF	464288760	520,464	3,945	SH		SOLE	Spectrum Asset Management Inc.	3,945	0	0
ISHARES TR	IBONDS 27 TRM TS	46436E841	459,355	20,729	SH		SOLE	Spectrum Asset Management Inc.	20,729	0	0
ISHARES TR	IBONDS 25 TRM TS	46436E866	320,110	13,780	SH		SOLE	Spectrum Asset Management Inc.	13,780	0	0
ISHARES TR	IBONDS 26 TRM TS	46436E858	316,987	13,958	SH		SOLE	Spectrum Asset Management Inc.	13,958	0	0
ISHARES TR	CORE S&P500 ETF	464287200	278,637	530	SH		SOLE	Spectrum Asset Management Inc.	530	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	245,340	3,000	SH		SOLE	Spectrum Asset Management Inc.	3,000	0	0
ISHARES TR	US TREAS BD ETF	46429B267	213,697	9,385	SH		SOLE	Spectrum Asset Management Inc.	9,385	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	3,445,401	16,168	SH		SOLE	Spectrum Asset Management Inc.	16,168	0	0
MARRIOTT INTL INC NEW	CL A	571903202	509,667	2,020	SH		SOLE	Spectrum Asset Management Inc.	2,020	0	0
MCDONALDS CORP	COM	580135101	511,506	1,814	SH		SOLE	Spectrum Asset Management Inc.	1,814	0	0
MCKESSON CORP	COM	58155Q103	322,482	600	SH		SOLE	Spectrum Asset Management Inc.	600	0	0
MEDTRONIC PLC	SHS	G5960L103	3,542,682	40,340	SH		SOLE	Spectrum Asset Management Inc.	40,340	0	0
MEDTRONIC PLC	SHS	G5960L103	16,075	183	SH		DFND	Spectrum Asset Management Inc.	0	0	183
MERCADOLIBRE INC	COM	58733R102	334,144	221	SH		SOLE	Spectrum Asset Management Inc.	221	0	0
MICROSOFT CORP	COM	594918104	5,156,928	12,257	SH		SOLE	Spectrum Asset Management Inc.	12,257	0	0
MICROSOFT CORP	COM	594918104	14,305	34	SH		DFND	Spectrum Asset Management Inc.	0	0	34
MORNINGSTAR INC	COM	617700109	555,066	1,800	SH		SOLE	Spectrum Asset Management Inc.	1,800	0	0
NIKE INC	CL B	654106103	375,873	3,984	SH		SOLE	Spectrum Asset Management Inc.	3,984	0	0
NORTHROP GRUMMAN CORP	COM	666807102	274,751	574	SH		SOLE	Spectrum Asset Management Inc.	574	0	0
NVIDIA CORPORATION	COM	67066G104	476,152	527	SH		SOLE	Spectrum Asset Management inc.	527	0	0
ORACLE CORP	COM	68389X105	3,501,756	27,878	SH		SOLE	Spectrum Asset Management Inc.	27,878	0	0
PAYPAL HLDGS INC	COM	70450Y103	269,970	4,030	SH		SOLE	Spectrum Asset Management Inc.	4,030	0	0
PEPSICO INC	COM	713448108	257,186	1,459	SH		SOLE	Spectrum Asset Management Inc.	1,459	0	0
PFIZER INC	COM	717081103	395,993	14,270	SH		SOLE	Spectrum Asset Management Inc.	14,270	0	0
PFIZER INC	COM	717081103	9,158	330	SH		DFND	Spectrum Asset Management Inc.	0	0	330
PFIZER INC	CALL	717081103	16,198	9,500	PRN	Call	SOLE	Spectrum Asset Management Inc.	9,500	0	0
PIONEER NAT RES CO	COM	723787107	240,713	917	SH		SOLE	Spectrum Asset Management Inc.	917	0	0
PRICESMART INC	COM	741511109	780,360	9,290	SH		SOLE	Spectrum Asset Management Inc.	9,290	0	0
QUALCOMM INC	COM	747525103	2,270,652	13,412	SH		SOLE	Spectrum Asset Management Inc.	13,412	0	0
ROCKWELL AUTOMATION INC	COM	773903109	784,261	2,692	SH		SOLE	Spectrum Asset Management Inc.	2,692	0	0
ROYAL BK CDA	COM	780087102	201,760	2,000	SH		SOLE	Spectrum Asset Management Inc.	2,000	0	0
RTX CORPORATION	COM	75513E101	1,139,355	11,682	SH		SOLE	Spectrum Asset Management Inc.	11,682	0	0
RTX CORPORATION	COM	75513E101	18,531	190	SH		DFND	Spectrum Asset Management Inc.	0	0	190
SCHLUMBERGER LTD	COM STK	806857108	931,452	16,907	SH		SOLE	Spectrum Asset Management Inc.	16,907	0	0
SCHWAB CHARLES CORP	COM	808513105	5,507,880	76,139	SH		SOLE	Spectrum Asset Management Inc.	76,139	0	0
SCHWAB CHARLES FAMILY FD	AMT TAX FREE MNY	808515530	4,028,000	4,028,000	SH		SOLE	Spectrum Asset Management Inc.	4,028,000	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	16,527,644	217,526	SH		SOLE	Spectrum Asset Management Inc.	217,526	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	8,510,839	91,791	SH		SOLE	Spectrum Asset Management Inc.	91,791	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,726,615	146,761	SH		SOLE	Spectrum Asset Management Inc.	146,761	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,283,369	37,402	SH		SOLE	Spectrum Asset Management Inc.	37,402	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	489,988	5,190	SH		SOLE	Spectrum Asset Management Inc.	5,190	0	0
SEMPRA	COM	816851109	2,899,331	40,063	SH		SOLE	Spectrum Asset Management Inc.	40,063	0	0
SKYLINE CHAMPION CORPORATION	COM	830830105	328,904	3,869	SH		SOLE	Spectrum Asset Management Inc.	3,869	0	0
SPDR GOLD TR	GOLD SHS	78463V107	237,401	1,154	SH		SOLE	Spectrum Asset Management Inc.	1,154	0	0
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	282,599	7,885	SH		SOLE	Spectrum Asset Management Inc.	7,885	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,331,756	2,538	SH		SOLE	Spectrum Asset Management Inc.	2,538	0	0
TENON MEDICAL INC	*W EXP 06/16/202	88066N113	62,916	1,070,000	SH		SOLE	Spectrum Asset Management Inc.	1,070,000	0	0
TENON MEDICAL INC	COM NEW	88066N204	79,098	83,261	SH		SOLE	Spectrum Asset Management Inc.	83,261	0	0
TESLA INC	COM	88160R101	754,542	4,292	SH		SOLE	Spectrum Asset Management Inc.	4,292	0	0
TEXAS INSTRS INC	COM	882508104	296,157	1,700	SH		SOLE	Spectrum Asset Management Inc.	1,700	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	570,390	1,153	SH		SOLE	Spectrum Asset Management Inc.	1,153	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	2,725,720	7,919	SH		SOLE	Spectrum Asset Management Inc.	7,919	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	408,827	1,573	SH		SOLE	Spectrum Asset Management Inc.	1,573	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	3,914,273	58,127	SH		SOLE	Spectrum Asset Management Inc.	58,127	0	0
VANGUARD SCOTTSDALE FDS	VNG RUS1000IDX	92206C730	2,193,498	9,204	SH		SOLE	Spectrum Asset Management Inc.	9,204	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	845,878	16,860	SH		SOLE	Spectrum Asset Management Inc.	16,860	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	3,089,486	73,629	SH		SOLE	Spectrum Asset Management Inc.	73,629	0	0
VISA INC	COM CL A	92826C839	1,371,338	4,914	SH		SOLE	Spectrum Asset Management Inc.	4,914	0	0
VOLITIONRX LTD	COM	928661107	42,087	55,596	SH		SOLE	Spectrum Asset Management Inc.	55,596	0	0
WALMART INC	COM	931142103	4,740,696	78,523	SH		SOLE	Spectrum Asset Management Inc.	78,523	0	0