St. Clair Shores, MI Office

Spectrum Financial Resources provides investment advisory and planning services to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, corporations and other business entities. The firm offers financial planning, advisory consulting, portfolio management (including advice on variable life/annuity and employer‑sponsored retirement plan assets) and a third‑party investment advisor referral program.

Portfolios are custom‑tailored and typically emphasize mutual funds and ETFs while also using equities, corporate and municipal debt and U.S. government securities, with occasional use of options or margin when deemed appropriate. SFR offers both discretionary and non‑discretionary management and, as of December 31, 2025, managed a larger portion of client assets on a non‑discretionary basis (about $147.8 million non‑discretionary versus $87.5 million discretionary).

The firm’s advisers are also registered representatives of a broker‑dealer and SFR requires clients to direct brokerage and custody to specified providers (including arrangements with firms such as United Planners, Pershing and Schwab), which influences how services are implemented. In addition, a principal provides tax‑preparation services (representing under 5% of his time) and some advisers act as independent insurance agents; these affiliated activities and the firm’s receipt of solicitor, commission and 12b‑1 compensation are disclosed as potential conflicts that SFR manages through policies and client disclosures.