Financial Spectrum Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$5,632,287
Total clients
17
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
17
Average account size
$331,311
About
Financial Spectrum Inc. provides fee-only investment management and financial planning services to U.S. individuals and select institutional clients. As of December 19, 2025, the firm reported approximately $5.63 million in regulatory assets under management across 17 client accounts.
The firm constructs portfolios using ETFs, mutual funds, individual equities and fixed-income securities and offers mandates including index, multi-asset, equity, fixed income and alternative strategies. Financial Spectrum manages client assets on a non-discretionary basis, routinely recommending transactions that require the client’s prior approval—often communicated and authorized by email—rather than exercising discretionary trading authority.
Notably, the brochure discloses that all of the firm’s reported AUM is managed non-discretionarily, a feature that is relatively uncommon among independent peers and means clients retain final decision-making on trades. The principal’s continuing involvement in a private accounting and tax practice (described in the brochure as occupying significant time), the firm’s practice of sending itemized invoices for client approval before custodial fee debits, its refusal to accept proxy-voting authority, and its negotiable or hourly fee arrangements for some services are additional operational characteristics that distinguish the firm.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Active portfolio management
Fee options
Flat fees may be charged for additional financial planning or specialized services; amounts quoted in advance
0.675% annually
$100 per hour for accounts under $300,000 and for additional financial planning or specialized services; hourly fees are negotiable
Account minimum: $300,000 Fee-only: Fee-only Registered Investment Advisor; no commissions or third-party payments
Main office location
Financial Spectrum Inc.
800 West Avenue
Jenkintown PA 19046-2831, United States
Number of offices
1
Most active in
Financial Spectrum Inc. has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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