Spectrum Advisors Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
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.
Client services
Expertise
Fee options
$200 per hour for financial planning
Fee-only: Negotiable fixed fee up to $2,500 maximum for financial planning
Main office
108 South 7th Street
Richmond IN 47374
Advisors at this office
1
Most active in
Indiana
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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