Areas of Expertise
- Retirement Planning
- Wealth Management
- Investment Risk Management
- 401(K) and 403(b) Plans establishment and management
- Existing Retirement and Company Pension Plans; management of your assets held in your employer’s plan
- College Savings Plans
- Legacy and Estate Planning
- Home and Auto Loan Advice
- Life, Liability, Key Man Insurance and Estate Planning (second to die)
- Seminars on Pertinent Financial Topics
- CD Rate Comparisons
- Evaluation of Existing Insurance Policies
- Employee Benefits Plans
The Spectrum Advantage
In our practice, we emphasize objectivity and take a very cost-efficient approach to intelligent investment selection and management. Our investment style is active management. We do not subject our client to the hidden fees often found in mutual funds, limited partnerships, or other “packaged” products. Instead, we will analyze your financial needs and help you regain control of your finances through a personalized portfolio of equities and exchange-traded funds (ETF’s). It is our responsibility to you, as our client, to develop a personal investment plan, to monitor and manage the performance results of your portfolio, and report your account performance regularly. We conduct an annual review of your accounts, consistently considering your changing needs. We are a fee-based asset manager. All advice, services, and ongoing asset management are included in a nominal flat rate, thereby eliminating all commission incentives, in-house sale gimmicks, or referral fees. Rest assured, your financial future, peace of mind, and best interests are always our primary focus!
In order to best serve our clients’ needs through personalized attention and services, our minimum investment per household is $250,000. This minimum may be reduced in select situations.
We are directly regulated by the SEC and currently registered in the following states with immediate accessibility to register in any state. Stockbrokers are regulated directly by an industry created and funded entity called FINRA. They pay all of FINRA’s expenses creating a significant conflict of interest.
We know that every client’s goals are different. Therefore, we know that it is important to individualize our services for each client to achieve optimal results. We offer a free consultation where we analyze your current financial situation as well as future goals and provide recommendations on how we may make improvements, take advantage of available opportunities, and help insure that your financial and retirement future will be bright. Contact us today to schedule your consultation and start working toward your ideal financial future!