Spectrum Financial Alliance manages investment portfolios and provides personalized financial planning and estate planning services for individuals, families, businesses, and trusts. Spectrum Financial Alliance helps clients build customized investment strategies using various securities, including stocks, bonds, mutual funds, and exchange-traded funds. In addition to ongoing portfolio management, Spectrum Financial Alliance offers specialized estate planning subscription packages and trust services. The firm operates on a fee-only basis and manages accounts on a discretionary basis, meaning Spectrum Financial Alliance makes investment trades on your behalf without needing to consult you before every trade.
Fee Structure
Spectrum Financial Alliance charges an ongoing annual fee based on the value of your investment portfolio, billed monthly in arrears. While the specific fee schedule is not detailed in the text excerpt, the firm notes that fees are generally non-negotiable but may be adjusted based on account complexity, composition, and household account bundling. Any retirement plan accounts that invest in the firm's standard models are charged at the standard fee schedule, while other retirement plan accounts are charged at half the normal rate.