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
Expires: July 31, 2015
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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
ABBVIE INC COM 00287Y109 4,637,933 17,730 SH SOLE Spectrum Asset Management Inc. 17,730 0 0
AGNICO EAGLE MINES LTD COM 008474108 302,396 1,650 SH SOLE Spectrum Asset Management Inc. 1,650 0 0
ALPHABET INC CAP STK CL A 02079K305 1,756,022 5,104 SH SOLE Spectrum Asset Management Inc. 5,104 0 0
ALPHABET INC CAP STK CL C 02079K107 5,455,261 16,010 SH SOLE Spectrum Asset Management Inc. 16,010 0 0
ALTRIA GROUP INC COM 02209S103 14,033 205 SH DFND Spectrum Asset Management Inc. 0 0 205
ALTRIA GROUP INC COM 02209S103 219,040 3,200 SH SOLE Spectrum Asset Management Inc. 3,200 0 0
AMAZON COM INC COM 023135106 690,893 2,773 SH SOLE Spectrum Asset Management Inc. 2,773 0 0
APPLE INC COM 037833100 1,974,481 5,929 SH SOLE Spectrum Asset Management Inc. 5,929 0 0
BANK OF AMER CORP COM 060505104 28,631 526 SH DFND Spectrum Asset Management Inc. 0 0 526
BANK OF AMER CORP COM 060505104 243,752 4,478 SH SOLE Spectrum Asset Management Inc. 4,478 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,241,015 3 SH SOLE Spectrum Asset Management Inc. 3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,143,559 6,313 SH SOLE Spectrum Asset Management Inc. 6,313 0 0
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 1,057,467 21,230 SH SOLE Spectrum Asset Management Inc. 21,230 0 0
CATERPILLAR INC COM 149123101 334,691 413 SH SOLE Spectrum Asset Management Inc. 413 0 0
CELESTICA INC COM 15101Q207 394,321 1,091 SH SOLE Spectrum Asset Management Inc. 1,091 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 3,837,714 39,265 SH SOLE Spectrum Asset Management Inc. 39,265 0 0
CHEVRON CORPORATION COM 166764100 18,584 91 SH DFND Spectrum Asset Management Inc. 0 0 91
CHEVRON CORPORATION COM 166764100 6,497,816 31,819 SH SOLE Spectrum Asset Management Inc. 31,819 0 0
CISCO SYS INC COM 17275R102 34,765 323 SH DFND Spectrum Asset Management Inc. 0 0 323
CISCO SYS INC COM 17275R102 5,730,388 53,242 SH SOLE Spectrum Asset Management Inc. 53,242 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,283,194 1,410 SH SOLE Spectrum Asset Management Inc. 1,410 0 0
DEERE & CO COM 244199105 764,755 1,136 SH SOLE Spectrum Asset Management Inc. 1,136 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 25,083 220 SH DFND Spectrum Asset Management Inc. 0 0 220
DUKE ENERGY CORP NEW COM NEW 26441C204 3,276,510 28,739 SH SOLE Spectrum Asset Management Inc. 28,739 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 3,018,611 34,970 SH SOLE Spectrum Asset Management Inc. 34,970 0 0
ELI LILLY & CO COM 532457108 514,901 445 SH SOLE Spectrum Asset Management Inc. 445 0 0
EMCOR GROUP INC COM 29084Q100 4,056,566 5,377 SH SOLE Spectrum Asset Management Inc. 5,377 0 0
EMERSON ELEC CO COM 291011104 3,567,300 23,000 SH SOLE Spectrum Asset Management Inc. 23,000 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 21,483 132 SH DFND Spectrum Asset Management Inc. 0 0 132
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 6,431,683 39,519 SH SOLE Spectrum Asset Management Inc. 39,519 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT 33740F672 742,779 15,460 SH SOLE Spectrum Asset Management Inc. 15,460 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F698 908,879 17,755 SH SOLE Spectrum Asset Management Inc. 17,755 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F839 1,489,884 28,275 SH SOLE Spectrum Asset Management Inc. 28,275 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST U.S. 33740U802 1,367,730 32,760 SH SOLE Spectrum Asset Management Inc. 32,760 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F631 1,851,026 39,662 SH SOLE Spectrum Asset Management Inc. 39,662 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F714 4,507,001 90,014 SH SOLE Spectrum Asset Management Inc. 90,014 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST U.S. 33740U406 5,619,684 115,653 SH SOLE Spectrum Asset Management Inc. 115,653 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US 33740F771 7,101,949 137,608 SH SOLE Spectrum Asset Management Inc. 137,608 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F615 11,240,720 245,860 SH SOLE Spectrum Asset Management Inc. 245,860 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST INTER EQ 33740F573 7,306,801 251,687 SH SOLE Spectrum Asset Management Inc. 251,687 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F680 13,047,362 266,981 SH SOLE Spectrum Asset Management Inc. 266,981 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F730 13,078,792 272,747 SH SOLE Spectrum Asset Management Inc. 272,747 0 0
FORGENT POWER SOLUTIONS INC COM SHS CL A 34631F102 259,272 6,925 SH SOLE Spectrum Asset Management Inc. 6,925 0 0
FRANCO NEV CORP COM 351858105 553,368 2,324 SH SOLE Spectrum Asset Management Inc. 2,324 0 0
FREEPORT MCMORAN INC CL B 35671D857 3,831,977 54,743 SH SOLE Spectrum Asset Management Inc. 54,743 0 0
GE AEROSPACE COM NEW 369604301 800,712 2,564 SH SOLE Spectrum Asset Management Inc. 2,564 0 0
GE VERNOVA INC COM 36828A101 822,174 865 SH SOLE Spectrum Asset Management Inc. 865 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 439,663 8,258 SH SOLE Spectrum Asset Management Inc. 8,258 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 1,281,407 18,353 SH SOLE Spectrum Asset Management Inc. 18,353 0 0
HEARTBEAM INC COM 42238H108 36,807 100,400 SH SOLE Spectrum Asset Management Inc. 100,400 0 0
HONEYWELL AEROSPACE INC COM 43849R105 1,337,702 8,632 SH SOLE Spectrum Asset Management Inc. 8,632 0 0
HONEYWELL INTL INC COM 438516205 1,558,636 7,389 SH SOLE Spectrum Asset Management Inc. 7,389 0 0
ILLUMINA INC COM 452327109 6,325,019 23,111 SH SOLE Spectrum Asset Management Inc. 23,111 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 263,916 1,200 SH SOLE Spectrum Asset Management Inc. 1,200 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 18,337,588 88,153 SH SOLE Spectrum Asset Management Inc. 88,153 0 0
ISHARES GOLD TR ISHARES NEW 464285204 12,722,178 162,896 SH SOLE Spectrum Asset Management Inc. 162,896 0 0
ISHARES INC MSCI JAPN SMCETF 464286582 3,956,126 36,129 SH SOLE Spectrum Asset Management Inc. 36,129 0 0
ISHARES TR CORE S&P500 ETF 464287200 284,131 371 SH SOLE Spectrum Asset Management Inc. 371 0 0
ISHARES TR RUS 1000 ETF 464287622 225,127 541 SH SOLE Spectrum Asset Management Inc. 541 0 0
ISHARES TR CORE S&P SCP ETF 464287804 882,628 6,488 SH SOLE Spectrum Asset Management Inc. 6,488 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 568,400 7,000 SH SOLE Spectrum Asset Management Inc. 7,000 0 0
ISHARES TR 20 YR TR BD ETF 464287432 651,019 8,370 SH SOLE Spectrum Asset Management Inc. 8,370 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,317,101 12,890 SH SOLE Spectrum Asset Management Inc. 12,890 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833 307,792 14,048 SH SOLE Spectrum Asset Management Inc. 14,048 0 0
ISHARES TR U.S. MED DVC ETF 464288810 802,032 15,680 SH SOLE Spectrum Asset Management Inc. 15,680 0 0
ISHARES TR IBOND DEC 2030 46436E593 303,537 15,984 SH SOLE Spectrum Asset Management Inc. 15,984 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 2,934,404 17,592 SH SOLE Spectrum Asset Management Inc. 17,592 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 577,103 25,856 SH SOLE Spectrum Asset Management Inc. 25,856 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,875,623 28,562 SH SOLE Spectrum Asset Management Inc. 28,562 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 5,143,548 52,787 SH SOLE Spectrum Asset Management Inc. 52,787 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,966,308 12,528 SH SOLE Spectrum Asset Management Inc. 12,528 0 0
LINDE PLC SHS G54950103 2,192,409 4,619 SH SOLE Spectrum Asset Management Inc. 4,619 0 0
LOANDEPOT INC COM CL A 53946R106 7,091 12,000 SH SOLE Spectrum Asset Management Inc. 12,000 0 0
MARVELL TECHNOLOGY INC COM 573874104 797,653 3,019 SH SOLE Spectrum Asset Management Inc. 3,019 0 0
MCDONALDS CORP COM 580135101 501,084 2,170 SH SOLE Spectrum Asset Management Inc. 2,170 0 0
MCKESSON CORP COM 58155Q103 1,367,600 1,600 SH SOLE Spectrum Asset Management Inc. 1,600 0 0
MEDTRONIC PLC SHS G5960L103 18,787 216 SH DFND Spectrum Asset Management Inc. 0 0 216
MEDTRONIC PLC SHS G5960L103 503,353 5,785 SH SOLE Spectrum Asset Management Inc. 5,785 0 0
MICROSOFT CORP COM 594918104 29,236 57 SH DFND Spectrum Asset Management Inc. 0 0 57
MICROSOFT CORP COM 594918104 4,892,316 9,539 SH SOLE Spectrum Asset Management Inc. 9,539 0 0
MORNINGSTAR INC COM 617700109 348,500 1,834 SH SOLE Spectrum Asset Management Inc. 1,834 0 0
NEWMONT CORP COM 651639106 365,357 3,168 SH SOLE Spectrum Asset Management Inc. 3,168 0 0
NOVARTIS AG SPONSORED ADR 66987V109 20,531 144 SH DFND Spectrum Asset Management Inc. 0 0 144
NOVARTIS AG SPONSORED ADR 66987V109 3,154,789 22,128 SH SOLE Spectrum Asset Management Inc. 22,128 0 0
NVIDIA CORPORATION COM 67066G104 1,009,005 4,413 SH SOLE Spectrum Asset Management Inc. 4,413 0 0
NVIDIA CORPORATION PUT 67066G104 516 5,000 PRN Put SOLE Spectrum Asset Management Inc. 5,000 0 0
ORACLE CORP COM 68389X105 2,120,025 15,441 SH SOLE Spectrum Asset Management Inc. 15,441 0 0
PEPSICO INC COM 713448108 283,624 2,238 SH SOLE Spectrum Asset Management Inc. 2,238 0 0
PERMIAN RESOURCES CORP CLASS A COM 71424F105 542,151 25,670 SH SOLE Spectrum Asset Management Inc. 25,670 0 0
PFIZER INC COM 717081103 9,013 316 SH DFND Spectrum Asset Management Inc. 0 0 316
PFIZER INC COM 717081103 537,525 18,847 SH SOLE Spectrum Asset Management Inc. 18,847 0 0
RTX CORPORATION COM 75513E101 32,675 176 SH DFND Spectrum Asset Management Inc. 0 0 176
RTX CORPORATION COM 75513E101 1,178,972 6,351 SH SOLE Spectrum Asset Management Inc. 6,351 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,408,030 82,157 SH SOLE Spectrum Asset Management Inc. 82,157 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,675,019 112,870 SH SOLE Spectrum Asset Management Inc. 112,870 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,094,780 197,461 SH SOLE Spectrum Asset Management Inc. 197,461 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,373,317 341,220 SH SOLE Spectrum Asset Management Inc. 341,220 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,828,383 535,226 SH SOLE Spectrum Asset Management Inc. 535,226 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 5,195,084 30,846 SH SOLE Spectrum Asset Management Inc. 30,846 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 3,726,143 60,588 SH SOLE Spectrum Asset Management Inc. 60,588 0 0
SEMPRA COM 816851109 380,858 4,844 SH SOLE Spectrum Asset Management Inc. 4,844 0 0
SERIES PORTFOLIOS TR ELDR AAA CLO ETF 81752T486 3,260,179 127,301 SH SOLE Spectrum Asset Management Inc. 127,301 0 0
SLB LIMITED COM STK 806857108 1,005,188 20,571 SH SOLE Spectrum Asset Management Inc. 20,571 0 0
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 2,002,740 35,560 SH SOLE Spectrum Asset Management Inc. 35,560 0 0
SPDR GOLD TR GOLD SHS 78463V107 294,390 773 SH SOLE Spectrum Asset Management Inc. 773 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 277,260 5,522 SH SOLE Spectrum Asset Management Inc. 5,522 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 584,205 6,375 SH SOLE Spectrum Asset Management Inc. 6,375 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,462,176 3,221 SH SOLE Spectrum Asset Management Inc. 3,221 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102 447,317 8,383 SH SOLE Spectrum Asset Management Inc. 8,383 0 0
TENON MEDICAL INC *W EXP 06/16/202 88066N113 4,077 679,420 SH SOLE Spectrum Asset Management Inc. 679,420 0 0
TESLA INC COM 88160R101 336,108 947 SH SOLE Spectrum Asset Management Inc. 947 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 23,346,771 471,176 SH SOLE Spectrum Asset Management Inc. 471,176 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 223,431 1,034 SH SOLE Spectrum Asset Management inc. 1,034 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 466,678 1,247 SH SOLE Spectrum Asset Management Inc. 1,247 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,431,037 15,881 SH SOLE Spectrum Asset Management Inc. 15,881 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 691,096 2,009 SH SOLE Spectrum Asset Management Inc. 2,009 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 882,851 12,503 SH SOLE Spectrum Asset Management Inc. 12,503 0 0
VERALTO CORP COM SHS 92338C103 539,971 5,717 SH SOLE Spectrum Asset Management Inc. 5,717 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 331,462 634 SH SOLE Spectrum Asset Management Inc. 634 0 0
VISA INC COM CL A 92826C839 1,379,656 3,840 SH SOLE Spectrum Asset Management Inc. 3,840 0 0
WALMART INC COM 931142103 4,188,264 40,303 SH SOLE Spectrum Asset Management Inc. 40,303 0 0
WELLS FARGO & CO PUT 949746101 269,234 80,000 PRN Put SOLE Spectrum Asset Management Inc. 80,000 0 0
WELLS FARGO & CO COM 949746101 31,122,928 388,794 SH SOLE Spectrum Asset Management Inc. 388,794 0 0