Spectrum Asset Management Inc

Spectrum Asset Management is an SEC-registered advisory firm that manages roughly $657 million for about 300 clients through an eight-advisor team, serving individual and high-net-worth investors as well as trusts, foundations, corporations and company retirement plans. The firm provides discretionary portfolio management, financial planning and consulting, estate-document facilitation via a third‑party technology provider, and access to its strategies through sub-advisory/separately managed account arrangements.

Spectrum’s investment process blends fundamental, technical and cyclical analysis with a sector-rotation, Growth‑at‑a‑Reasonable‑Price equity philosophy and an actively managed fixed‑income “barbell” approach that adjusts duration to interest‑rate expectations. Client accounts are placed into one of several firm models tailored to stated goals, and portfolios may include individual equities, mutual funds, ETFs, cash equivalents and alternative fund models as appropriate to each mandate.

The firm discloses the tactical use of inverse equity ETFs and other derivative instruments in its models and the potential use of margin/borrowing, including the practice of counting the full market value of margined assets when calculating advisory fees. Spectrum also maintains portfolio composites and provides regular performance and account reporting to clients, and offers estate‑document services through a third‑party platform in addition to its sub‑advisory relationships.