Financial Spectrum Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Spectrum Inc. serves U.S. individuals and select institutional clients—including individuals, high-net-worth clients, pension plans and charitable organizations—providing fee-only investment management and financial planning. The firm offers a range of mandates (equity, fixed income, multi-asset, index and alternatives) and may provide additional planning or specialized services on an hourly or flat-fee basis.
FSI's investment process draws on fundamental, technical and economic analysis to construct customized portfolios using ETFs, mutual funds, individual equities, fixed income and cash, with an emphasis on diversification and alignment with client objectives and restrictions. The firm operates almost exclusively on a non‑discretionary model: it recommends specific securities and strategies but obtains client approval (typically via email) before executing trades, and it does not recommend or use margin or other borrowing arrangements.
Notably, Financial Spectrum manages virtually all client assets on a non‑discretionary basis and does not accept proxy‑voting authority, practices that are uncommon among independent advisors. Its single‑advisor structure (one advisor, 16 clients and roughly $5.6 million in regulatory AUM) and the principal's concurrent CPA practice that occupies about half of his time are operational characteristics that distinguish the firm and may affect the scope and timing of services.
Client services
Expertise
Fee options
Flat fees may be charged for additional financial planning or specialized services, quoted in advance
0.675% annually (billed quarterly as 0.16875% per quarter)
$100 per hour for accounts under $300,000 and financial planning or specialized services; rates negotiable
Fee-only: Fee-only Registered Investment Advisor; all compensation received directly from clients, no commissions or third-party payments
Main office
Abington PA
Advisors at this office
1
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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