Spectrum Financial Alliance, Ltd., L.L.C.

Updated today

Find your advisor

Client assets under management

$662,877,871

Clients

630

38% high-net-worth

Advisors

of 13 employees

Firm type

Team

5-30 advisors or >$500M in AUM

Clients per advisor

210

Very High

Average account size

$1,052,187

About

Spectrum Financial Alliance serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, and business entities. The firm provides financial planning and discretionary asset management, plus annuity and employer‑sponsored retirement plan management and estate and trust planning services, managing approximately $662.9 million in client assets as of April 17, 2026.

The firm constructs individualized investment programs and manages accounts on a discretionary basis, with routine reviews at least quarterly and client contact at least annually. Its investment process draws on fundamental, technical, charting, and cyclical analysis and may employ strategies such as long‑ and short‑term trading, margin, short sales, and option contracts (including option writing) in managed accounts.

Compared with many of its team‑firm peers, Spectrum operates with a relatively high client and asset load per advisor (roughly 630 clients and the stated AUM across three advisors), and it separately markets detailed estate and trust planning subscription services with flat‑fee engagements and client discounts. The brochure also discloses that the firm no longer accepts insurance commissions—having irrevocably assigned prior commissions to USA Cares—and that it provides position and performance reporting to clients and handles specialized account types such as variable annuities and outside 529 accounts.

Client services

Financial planning Portfolio management Pension consulting Newsletters or periodicals Educational seminars or workshops

Investment and insurance consulting and estate planning facilitiation

Expertise

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Fee options

Fixed

Estate and Trust Planning Subscription Services with fixed flat fees and one-time payments (e.g., $1,200 for single individual will-based estate plan).

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.85% $3,000,001+: 0.60%

Subscriptions

Estate and Trust Planning Subscription Services with fixed subscription fees (e.g., $1,200 for single individual will-based estate plan).

Other

Account minimum: $750,000 (effective June 1, 2026) Fee-only: Fee-only asset management services; fees charged according to tiered schedule.

Main office location

Spectrum Financial Alliance, Ltd., L.L.C.

105 Wind Haven Drive

Nicholasville KY 40356, United States

Number of offices

Most active in

Alabama · Colorado · Florida · Georgia · Illinois · Indiana · Kentucky · Pennsylvania · Tennessee · Texas · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Lawyer

They provide legal services, typically billed separately.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Instagram YouTube Website 859-223-6333

Advisors at this firm

Charles B

CFP®, Series 63, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Charles Buckley is a CFP® with over 30 years of experience in the financial services industry. He has been with Spectrum Financial Alliance, Ltd., L.L.C. since 1995 and concurrently involved with Falcon Harley Ltd., L.L.C. since 2000. Buckley holds Series 63 and Series 65 licenses. Spectrum Financial Alliance is a registered investment adviser that delivers personalized financial planning and discretionary asset management to individuals, including high-net-worth clients, as well as pension plans, trusts, estates, and business entities. The firm uses a variety of investment strategies, including fundamental and technical analysis, and manages client assets with ongoing monitoring and periodic reviews.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Christopher E

Series 63, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Christopher Edney is a financial advisor with Spectrum Financial Alliance, Ltd., L.L.C. He holds Series 63 and Series 65 licenses and has one year of experience in the financial industry. Prior to joining Spectrum Financial Alliance, Edney worked in healthcare and technology roles, including positions at UK Healthcare and CUSITech LLC. He is also the owner of Sigma Squared LLC, where he develops automation tools and provides CFO and business analysis services. Spectrum Financial Alliance is a registered investment adviser serving individuals, including high-net-worth clients, as well as pension plans, trusts, estates, and business entities. The firm offers personalized financial planning and discretionary asset management, employing a range of investment strategies with ongoing monitoring and periodic reviews.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Camden M

CFP®, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Camden Miracle is a CFP® professional at Spectrum Financial Alliance, Ltd., L.L.C. with two years of industry experience. He has been with Spectrum Financial Alliance since 2021 and previously worked at the University of Kentucky and Bethlehem High School. Spectrum Financial Alliance is a registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm offers personalized financial planning and discretionary asset management, employing a range of investment strategies including fundamental and technical analysis, option contracts, and derivatives.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support