Spectrum Financial Management
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About
Spectrum Financial Management provides investment management, financial planning, and tax services to individual and high-net-worth clients and their trusts, generally taking new relationships at a $1,000,000 portfolio minimum (with some semi‑annual arrangements for smaller accounts). The firm delivers ongoing portfolio management, client reporting, and a range of planning services including retirement, education, estate and charitable planning.
The firm follows an asset‑allocation driven investment approach, using fundamental analysis and primarily implementing portfolios with no‑load mutual funds and ETFs, with a disciplined rebalancing process (typically reviewed semi‑annually and rebalanced when allocations deviate around five percentage points). Accounts are monitored continuously, with an annual comprehensive review and a year‑end tax review focused on realized gains and tax‑management opportunities.
What is distinctive is the integration of tax expertise into its advisory offering: the firm’s principal holds an accounting degree and is an Enrolled Agent, and the firm provides coordinated tax planning, tax return preparation, cost‑basis audits, employee stock option/restricted share analysis, and IRS representation under separate agreements. The firm also accepts tax‑only engagements on occasion while keeping investment management as a separate, discretionary or non‑discretionary service, a combination that is uncommon among similarly sized advisory firms.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.00% $1,000,000+: 0.50%
Hourly rates for tax planning and tax return preparation, based on work requested and tax specialist
Account minimum: $1,000,000 Minimum fee: Minimum annual investment management fee of $10,000; reduced minimum fee of $2,000 for clients under semi-annual advisory agreements
Main office
899 Northgate Drive, Suite 305
San Rafael CA 94903
Advisors at this office
2
Most active in
California
Also doing business as
Friedlander, Brenda S · Spectrum Financial Management
Disclosures
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Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Advisors at this firm
Brenda F
CFP®, Series 63
San Rafael, CA
Spectrum Financial Management
Brenda Friedlander is a CFP® with 13 years of industry experience, currently practicing at Spectrum Financial Management in San Rafael, CA. She has been with Spectrum Financial Management since 1992, contributing over three decades to the firm. Spectrum Financial Management provides investment management, financial planning, and tax services primarily to individual and high-net-worth clients and their trusts. The firm emphasizes an asset-allocation driven investment approach using no-load mutual funds and ETFs, with integrated tax planning and specialized tax services offered alongside portfolio management.
Lauren F
CFP®
San Rafael, CA
Spectrum Financial Management
Lauren Friedlander is a CFP® professional at Spectrum Financial Management with one year of industry experience. Prior to joining Spectrum, she held roles at RBC Wealth Management and worked at the University of Wisconsin-Madison. Spectrum Financial Management advises individuals and high-net-worth clients and their trusts, providing investment management along with financial planning and tax services. The firm uses an asset-allocation approach focused on fundamental analysis and offers integrated tax planning and representation services.
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