Dallas, TX Noel Rd Office

Spectrum Strategies serves primarily individual clients through comprehensive financial planning and consulting engagements. Its written plans typically address retirement and accumulation, educational funding, risk management, estate and tax analyses, and, where appropriate, asset protection and business succession; the firm also provides annual plan reviews and works with ERISA- and IRA-governed accounts (while not serving as the plan fiduciary).

The firm provides non-discretionary, general investment advice and does not manage client assets or take custody; clients or their designated managers implement recommendations. Spectrum operates on engagement-specific planning and consulting fees rather than charging percentage-of-assets-under-management, and it may coordinate with third-party managers for implementation.

Notably, Spectrum is affiliated with a broker-dealer and its advisors are also registered representatives and insurance agents, which means representatives may implement plan recommendations through broker-dealer channels, receive commissions, and participate in referral fee arrangements (including an undisclosed/unwritten referral-fee practice described in the brochure); the firm discloses these potential conflicts to clients. Advisors at the firm are long-tenured CFP practitioners who also participate in related outside businesses (a separate wealth-services entity, some real-estate activity, and pro-bono military financial guidance), activities the firm identifies as separate from its advisory services.