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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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	2,943,010	26,019	SH		SOLE	Spectrum Asset Management Inc.	26,019	0	0
ABBVIE INC	COM	00287Y109	3,709,022	20,872	SH		SOLE	Spectrum Asset Management Inc.	20,872	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,130,719	11,742	SH		SOLE	Spectrum Asset Management Inc.	11,742	0	0
ADOBE INC	COM	00724F101	245,019	551	SH		SOLE	Spectrum Asset Management Inc.	551	0	0
ALPHABET INC	CAP STK CL A	02079K305	936,016	4,945	SH		SOLE	Spectrum Asset Management Inc.	4,945	0	0
ALPHABET INC	CAP STK CL C	02079K107	427,983	2,247	SH		SOLE	Spectrum Asset Management Inc.	2,247	0	0
AMAZON COM INC	COM	023135106	209,518	955	SH		SOLE	Spectrum Asset Management Inc.	955	0	0
APPLE INC	COM	037833100	1,090,735	4,356	SH		SOLE	Spectrum Asset Management Inc.	4,356	0	0
APPLE INC	PUT	037833100	394	200	PRN	Put	SOLE	Spectrum Asset Management Inc.	200	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,097,652	9,040	SH		SOLE	Spectrum Asset Management Inc.	9,040	0	0
BORGWARNER INC	COM	099724106	1,884,134	59,268	SH		SOLE	Spectrum Asset Management Inc.	59,268	0	0
CHEVRON CORP NEW	COM	166764100	15,209	105	SH		DFND	Spectrum Asset Management Inc.	0	0	105
CHEVRON CORP NEW	COM	166764100	4,744,443	32,756	SH		SOLE	Spectrum Asset Management Inc.	32,756	0	0
CISCO SYS INC	COM	17275R102	19,122	323	SH		DFND	Spectrum Asset Management Inc.	0	0	323
CISCO SYS INC	COM	17275R102	3,816,613	64,470	SH		SOLE	Spectrum Asset Management Inc.	64,470	0	0
CONSTELLATION ENERGY CORP	COM	21037T109	3,457,886	15,457	SH		SOLE	Spectrum Asset Management Inc.	15,457	0	0
CORE LABORATORIES INC	COM	21867A105	641,700	37,071	SH		SOLE	Spectrum Asset Management Inc.	37,071	0	0
COSTCO WHSL CORP NEW	COM	22160K105	1,876,451	2,048	SH		SOLE	Spectrum Asset Management Inc.	2,048	0	0
DEERE & CO	COM	244199105	460,361	1,082	SH		SOLE	Spectrum Asset Management Inc.	1,082	0	0
DISNEY WALT CO	COM	254687106	2,998,956	26,819	SH		SOLE	Spectrum Asset Management Inc.	26,819	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	20,902	194	SH		DFND	Spectrum Asset Management Inc.	0	0	194
DUKE ENERGY CORP NEW	COM NEW	26441C204	3,678,593	34,143	SH		SOLE	Spectrum Asset Management Inc.	34,143	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	2,637,911	35,633	SH		SOLE	Spectrum Asset Management Inc.	35,633	0	0
ELBIT SYS LTD	ORD	M3760D101	985,152	3,810	SH		SOLE	Spectrum Asset Management Inc.	3,810	0	0
EMERSON ELEC CO	COM	291011104	3,590,005	28,968	SH		SOLE	Spectrum Asset Management Inc.	28,968	0	0
EXXON MOBIL CORP	COM	30231G102	17,750	165	SH		DFND	Spectrum Asset Management Inc.	0	0	165
EXXON MOBIL CORP	COM	30231G102	3,245,189	30,168	SH		SOLE	Spectrum Asset Management Inc.	30,168	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F680	6,919,167	170,646	SH		SOLE	Spectrum Asset Management Inc.	170,646	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F615	5,323,413	139,471	SH		SOLE	Spectrum Asset Management Inc.	139,471	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US	33740F771	4,896,586	114,701	SH		SOLE	Spectrum Asset Management Inc.	114,701	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F839	1,063,087	24,800	SH		SOLE	Spectrum Asset Management Inc.	24,800	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F698	460,525	10,970	SH		SOLE	Spectrum Asset Management Inc.	10,970	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F730	375,006	9,205	SH		SOLE	Spectrum Asset Management Inc.	9,205	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST UQ EQT	33740F672	235,236	5,975	SH		SOLE	Spectrum Asset Management Inc.	5,975	0	0
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	707,373	9,048	SH		SOLE	Spectrum Asset Management Inc.	9,048	0	0
GENERAL DYNAMICS CORP	COM	369550108	18,445	70	SH		DFND	Spectrum Asset Management Inc.	0	0	70
GENERAL DYNAMICS CORP	COM	369550108	665,840	2,527	SH		SOLE	Spectrum Asset Management Inc.	2,527	0	0
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	1,849,411	67,199	SH		SOLE	Spectrum Asset Management Inc.	67,199	0	0
GLOBAL X FDS	GLBL X MLP ETF	37954Y343	366,672	7,421	SH		SOLE	Spectrum Asset Management Inc.	7,421	0	0
HALLIBURTON CO	COM	406216101	643,986	23,685	SH		SOLE	Spectrum Asset Management Inc.	23,685	0	0
HEARTBEAM INC	COM	42238H108	171,120	74,400	SH		SOLE	Spectrum Asset Management Inc.	74,400	0	0
HONEYWELL INTL INC	COM	438516106	5,079,477	22,487	SH		SOLE	Spectrum Asset Management Inc.	22,487	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	263,796	1,200	SH		SOLE	Spectrum Asset Management Inc.	1,200	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	14,144,240	80,718	SH		SOLE	Spectrum Asset Management Inc.	80,718	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	7,494,676	151,377	SH		SOLE	Spectrum Asset Management Inc.	151,377	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	3,954,271	58,931	SH		SOLE	Spectrum Asset Management Inc.	58,931	0	0
ISHARES INC	MSCI JAPN SMCETF	464286582	2,085,800	28,514	SH		SOLE	Spectrum Asset Management Inc.	28,514	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	9,983,110	112,435	SH		SOLE	Spectrum Asset Management Inc.	112,435	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	2,584,683	41,481	SH		SOLE	Spectrum Asset Management Inc.	41,481	0	0
ISHARES TR	IBONDS 27 TRM TS	46436E841	460,041	20,726	SH		SOLE	Spectrum Asset Management Inc.	20,726	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	2,538,156	19,703	SH		SOLE	Spectrum Asset Management Inc.	19,703	0	0
ISHARES TR	US AER DEF ETF	464288760	2,175,543	14,968	SH		SOLE	Spectrum Asset Management Inc.	14,968	0	0
ISHARES TR	IBONDS 26 TRM TS	46436E858	318,337	13,956	SH		SOLE	Spectrum Asset Management Inc.	13,956	0	0
ISHARES TR	IBONDS 25 TRM TS	46436E866	283,082	12,139	SH		SOLE	Spectrum Asset Management Inc.	12,139	0	0
ISHARES TR	20 YR TR BD ETF	464287432	730,953	8,370	SH		SOLE	Spectrum Asset Management Inc.	8,370	0	0
ISHARES TR	CORE S&P500 ETF	464287200	275,503	468	SH		SOLE	Spectrum Asset Management Inc.	468	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	3,336,599	15,867	SH		SOLE	Spectrum Asset Management Inc.	15,867	0	0
LANDSTAR SYS INC	COM	515098101	664,239	3,865	SH		SOLE	Spectrum Asset Management Inc.	3,865	0	0
MCDONALDS CORP	COM	580135101	641,995	2,215	SH		SOLE	Spectrum Asset Management Inc.	2,215	0	0
MCKESSON CORP	COM	58155Q103	342,372	600	SH		SOLE	Spectrum Asset Management Inc.	600	0	0
MEDTRONIC PLC	SHS	G5960L103	14,747	183	SH		DFND	Spectrum Asset Management Inc.	0	0	183
MEDTRONIC PLC	SHS	G5960L103	3,312,340	41,111	SH		SOLE	Spectrum Asset Management Inc.	41,111	0	0
MERCADOLIBRE INC	COM	58733R102	241,463	142	SH		SOLE	Spectrum Asset Management Inc.	142	0	0
MICRON TECHNOLOGY INC	COM	595112103	658,357	7,812	SH		SOLE	Spectrum Asset Management Inc.	7,812	0	0
MICROSOFT CORP	COM	594918104	14,331	34	SH		DFND	Spectrum Asset Management Inc.	0	0	34
MICROSOFT CORP	COM	594918104	5,190,366	12,314	SH		SOLE	Spectrum Asset Management Inc.	12,314	0	0
MORNINGSTAR INC	COM	617700109	608,544	1,807	SH		SOLE	Spectrum Asset Management Inc.	1,807	0	0
NVIDIA CORPORATION	COM	67066G104	259,842	1,935	SH		SOLE	Spectrum Asset Management inc.	1,935	0	0
ORACLE CORP	COM	68389X105	4,710,854	28,270	SH		SOLE	Spectrum Asset Management Inc.	28,270	0	0
PAYCOM SOFTWARE INC	COM	70432V102	897,974	4,381	SH		SOLE	Spectrum Asset Management Inc.	4,381	0	0
PAYPAL HLDGS INC	COM	70450Y103	343,107	4,020	SH		SOLE	Spectrum Asset Management Inc.	4,020	0	0
PEPSICO INC	COM	713448108	318,616	2,077	SH		SOLE	Spectrum Asset Management Inc.	2,077	0	0
PFIZER INC	COM	717081103	14,380	542	SH		DFND	Spectrum Asset Management Inc.	0	0	542
PFIZER INC	COM	717081103	431,307	16,257	SH		SOLE	Spectrum Asset Management Inc.	16,257	0	0
ROCKWELL AUTOMATION INC	COM	773903109	732,194	2,562	SH		SOLE	Spectrum Asset Management Inc.	2,562	0	0
RTX CORPORATION	COM	75513E101	21,987	190	SH		DFND	Spectrum Asset Management Inc.	0	0	190
RTX CORPORATION	COM	75513E101	1,311,968	11,337	SH		SOLE	Spectrum Asset Management Inc.	11,337	0	0
SCHLUMBERGER LTD	COM STK	806857108	617,963	16,003	SH		SOLE	Spectrum Asset Management Inc.	16,003	0	0
SCHWAB CHARLES CORP	COM	808513105	4,857,372	65,631	SH		SOLE	Spectrum Asset Management Inc.	65,631	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	15,186,521	582,529	SH		SOLE	Spectrum Asset Management Inc.	582,529	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	10,376,875	372,331	SH		SOLE	Spectrum Asset Management Inc.	372,331	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,767,446	311,754	SH		SOLE	Spectrum Asset Management Inc.	311,754	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,089,532	92,050	SH		SOLE	Spectrum Asset Management Inc.	92,050	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,704,863	19,903	SH		SOLE	Spectrum Asset Management Inc.	19,903	0	0
SEMPRA	COM	816851109	457,967	5,183	SH		SOLE	Spectrum Asset Management Inc.	5,183	0	0
SPDR GOLD TR	GOLD SHS	78463V107	248,668	1,027	SH		SOLE	Spectrum Asset Management Inc.	1,027	0	0
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	270,373	7,922	SH		SOLE	Spectrum Asset Management Inc.	7,922	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,502,173	2,555	SH		SOLE	Spectrum Asset Management Inc.	2,555	0	0
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,555,984	34,639	SH		SOLE	Spectrum Asset Management Inc.	34,639	0	0
TENON MEDICAL INC	*W EXP 06/16/202	88066N113	13,803	1,070,000	SH		SOLE	Spectrum Asset Management Inc.	1,070,000	0	0
TENON MEDICAL INC	COM	88066N303	48,222	25,650	SH		SOLE	Spectrum Asset Management Inc.	25,650	0	0
TESLA INC	COM	88160R101	227,480	563	SH		SOLE	Spectrum Asset Management Inc.	563	0	0
ULTA BEAUTY INC	COM	90384S303	2,759,631	6,345	SH		SOLE	Spectrum Asset Management Inc.	6,345	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	3,189,108	6,304	SH		SOLE	Spectrum Asset Management Inc.	6,304	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	3,048,749	7,428	SH		SOLE	Spectrum Asset Management Inc.	7,428	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	434,140	1,498	SH		SOLE	Spectrum Asset Management Inc.	1,498	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	4,443,151	70,004	SH		SOLE	Spectrum Asset Management Inc.	70,004	0	0
VANGUARD SCOTTSDALE FDS	VNG RUS1000IDX	92206C730	892,979	3,348	SH		SOLE	Spectrum Asset Management Inc.	3,348	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	640,966	13,404	SH		SOLE	Spectrum Asset Management Inc.	13,404	0	0
VEEVA SYS INC	CL A COM	922475108	276,479	1,315	SH		SOLE	Spectrum Asset Management Inc.	1,315	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	2,978,849	74,490	SH		SOLE	Spectrum Asset Management Inc.	74,490	0	0
VERTIV HOLDINGS CO	COM CL A	92537N108	1,040,668	9,160	SH		SOLE	Spectrum Asset Management Inc.	9,160	0	0
VISA INC	COM CL A	92826C839	622,915	1,971	SH		SOLE	Spectrum Asset Management Inc.	1,971	0	0
WALMART INC	COM	931142103	5,314,945	58,691	SH		SOLE	Spectrum Asset Management Inc.	58,691	0	0