Spectrum Advisors Financial, LLC

The firm provides financial planning and advisory services to pension and profit‑sharing plans, trusts, estates, charitable organizations, small businesses and individuals, and places client assets with third‑party money managers. It operates as an advisory and referral liaison, delivering written plans and periodic reviews while custodial and trading responsibilities remain with third‑party managers and custodians.

The firm’s process begins with an evaluation of a client’s situation and the delivery of a written financial plan and ongoing reviews; investment analysis may include fundamental, technical and cyclical methods and, when appropriate, option strategies. It does not accept discretionary trading authority or custody of client assets and typically implements investment programs by recommending third‑party managers and monitoring their reports.

Notable features that distinguish the firm from many peers include an affiliation with entities that sell insurance products and a principal who devotes a substantial portion of time to insurance activities, as well as occasional outside sales of gold, all disclosed as potential conflicts and managed through disclosures and procedures. The firm is also uncommon among its peers in explicitly using negotiable fixed or hourly planning fees, receiving referral and ongoing portions of third‑party manager fees, and not employing percentage‑of‑AUM compensation; its regulatory history includes a 2017 consent order related to an inquiry response.