Advisor at Spectrum Advisers, LLC
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Spectrum Advisers, LLC
Location
Chapel Hill, NC
Credentials
Series 63, Series 65
Industry experience
16 years
John Morgan is the principal of Spectrum Advisers, LLC in Chapel Hill, NC, with 16 years of experience in financial advisory services. He holds Series 63 and Series 65 licenses and has operated Spectrum Advisers since 2009. In addition to his advisory work, Mr. Morgan manages Fields Consulting LLC, a separate business through which he offers insurance products and real estate services in his capacity as a licensed insurance producer and real estate agent. Spectrum Advisers provides investment advisory and financial planning services to individuals, high-net-worth clients, qualified retirement plans, trusts, charitable organizations, and business entities. The firm combines institutional-level retirement plan management with individualized wealth advisory, employing a broadly diversified, tax-aware global asset allocation approach implemented mainly through mutual funds and ETFs.
Based on Spectrum Advisers, LLC
Personal Financial Concierge flat fee based on net worth, capped at 2%; Lifetime Income Planning flat fees $2,500 to $20,000; Financial Planning flat fees $5,000 to $25,000
$0 - $250,000: GPS $2,500 minimum annual fee (not to exceed 2%) or $208.33 monthly minimum fee $250,000.01 - $1,000,000: 1.00% annually $1,000,001+: Tiered incremental fees for Personal Financial Concierge based on net worth increments (e.g., $200,000 increments at $1,250 to $1,200 annualized fees) - flat fee structure, not percentage of AUM
Financial Planning hourly fees up to $500 per hour
Account minimum: $250,000 Minimum fee: Personal Financial Concierge minimum monthly fee $1,000; Guided Portfolio Solutions minimum monthly fee $208.33; Business Retirement Plans minimum monthly fee $500 or $750, negotiable for start-up plans Fee-only: Financial Planning and Consulting fees ranging from $5,000 to $25,000; Lifetime Income Planning flat fees ranging from $2,500 to $20,000
Chapel Hill, NC
Illinois · North Carolina · Texas
Spectrum Advisers, LLC
2009 - Present (17 years)
Fields Consulting LLC
1998 - Present (28 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63
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Lazarus Financial Planning
CFP®, Series 66
Chapel Hill, NC
Cardinal Wealth Partners, LLC
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