Our Services

Financial Planning

Financial Planning stretches beyond just your account balances -- It impacts every area of your life and the lives of your loved ones.  And because of that, there are many reasons people consult with Spectrum Financial.  For example, we can help create your retirement picture, plan for education expenses, design your estate plan, and identify employee benefits for your business.  

Our most common request is to help with retirement planning.  Retirement is not just a day on a calendar.  It is a combination of dreams and decisions.  For most, it involves years of planning up to the day, several months of transition and twenty years or more of activity after the day.  So retirement planning is a process that identifies what you want your retirement to look like, figures out what resources are needed to meet your goals and builds your income stream to accomplish your successful retirement.  

Along the same lines, with the rising cost of education, it is more important than ever to plan for a child's education expenses.  There are many options that can help you tackle this daunting task, and we can help you decide on the best one for your situation.

While retirement or education goals may be common to most people, estate planning may sound like it is only for the wealthiest of families.  But it is important for everyone to determine how they want their assets distributed and the most effective way to accomplish their wishes.  Don't worry, we will help you lay out a clear plan so your family and/or your charitable organizations will receive your gifts exactly as you have instructed.

As you know, owning a business can increase the complexity of your financial decisions.  You want to get the most out of your business, and a solid financial plan can help you do that.  We may be able to help you find ways to increase your take home dollars, identify cost effective employee benefits; placing your business in a position to succeed.

So, whether you are thinking about retirement or business, at Spectrum Financial we have a plan designed to walk side by side with you to help you identify your goals and chart a course so that you can be confident you will achieve those goals.

Wealth Management 

Our financial lives are divided into two phases: Accumulation and Distribution.  For people in each of these phases, Spectrum Financial is dedicated to providing first-class assistance in the management of resources.  As we come to understand what each client wants from their portfolio, we construct a comprehensive investment plan to enhance risk-adjusted rates of return.  Of course, we cannot guarantee performance, but we can certainly help you understand your portfolio and how it is likely to perform.  We will also spend time with you regularly to review your portfolio and to make sure it is still meeting your needs and expectations.  Whether you are growing your nest egg or trying to figure out smart ways to use your assets, we excel at finding some of the most effective and efficient ways to manage your finances. 

One portfolio management strategy, Spectrum Dynamic Asset Allocation has been well received by many of our clients.  This strategy is based on the belief that minimizing the loss of principal is key to successful long term investing. Spectrum's Dynamic Asset Allocation portfolio management strategy is designed to preserve capital in down markets and still outperform the S&P 500 in Bull markets.  This strategy incorporates the sale of declining or under performing investments - then, rotating assets into investment categories and mutual funds that are stable or growing at a higher rate to their peers.

Investments and Insurance

When clients come to us asking for solutions to their financial situations, we are proud that we are able to offer a wide variety of products to assist them.  As independent representatives of our broker-dealer, Securities America, Inc., we are not limited to only using a certain group of investments or a certain group of companies.  We can search the universe of products to find the right one for your situation.  Then we can spend as much time as necessary until you understand exactly how the product meets your needs and fits your requirements.

Whether you need your investments to grow or to provide income, we will be happy to find the right product for your situation.  Through our Securities America channel, we offer the following types of investment products: 

  • Mutual Funds
  • Stocks and Bonds
  • Variable Annuities
  • Structured Notes
  • Certificate of Deposits (CDs)
  • Education-specific accounts like Coverdell/ ESA accounts, 529 plans
  • Individual Retirement Accounts (IRAs) – Rollover, Roth, Traditional
  • Business Retirement Accounts – 401(k), SEP, SIMPLE

And with the idea that protection is a big part of any good financial plan, we offer the following types of insurance products through our other partners:

  • Life Insurance
  • Disability Insurance
  • Long-term Care Insurance
  • Health Insurance
  • Fixed Annuities

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