Spectrum Financial Alliance, Ltd., L.L.C.

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Client assets under management

$653,580,021

Clients

604

39% high-net worth

Advisors

of 13 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

201

Very High

Average account size

$1,082,086

About

Spectrum Financial Alliance provides financial planning and discretionary asset management to a range of clients including individuals (including high‑net‑worth clients), trusts and estates, pension and profit‑sharing plans, and business entities. The firm also offers annuity and retirement plan management as well as college 529 account management and standalone or modular financial planning services.

Investment programs are tailored and implemented on a discretionary basis, with the firm developing individualized investment policies and monitoring accounts continuously. Spectrum uses a mix of analytical approaches (fundamental, technical, charting, and cyclical analysis) and implements a variety of strategies — including long and short positions, margin, and option writing — and the brochure states it may use option contracts and related derivative strategies within managed accounts.

Compared with many peers, the firm manages roughly $650.6 million on a discretionary basis for just over 600 clients, yielding a comparatively high number of clients and assets per investment professional. Spectrum also describes a formal estate and trust planning offering delivered on a flat‑fee subscription basis (with a Director of Estate & Trust Planning/General Counsel overseeing those services) and discloses that it no longer retains insurance commissions — assigning prior insurance residuals to a military charity to remove that potential conflict.

Client services

Financial planning Portfolio management Pension consulting Newsletters or periodicals Educational seminars or workshops

Investment and insurance consulting and estate planning facilitiation

Expertise

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Fee options

Fixed

Estate and Trust Planning subscription fees and fixed document fees ranging from $150 to $2,600 depending on services.

Percentage

$0 - $500,000: 1.40% annually $500,001 - $1,000,000: 1.25% annually $1,000,001 - $3,000,000: 1.00% annually $3,000,001+: 0.75% annually

Subscriptions

Estate and Trust Planning subscription fees: e.g., Will-Based Estate Plan $1,200 (single individual) or $1,500 (couple); Trust-Based Estate Planning Packages $2,300 to $2,600; with current client discounts available.

Other

Account minimum: $750,000 Fee-only: Fee-only asset management services based on percentage of assets under management with tiered rates as above.

Main office location

Spectrum Financial Alliance, Ltd., L.L.C.

105 Wind Haven Drive

Nicholasville KY 40356, United States

Number of offices

Most active in

Alabama · Colorado · Florida · Georgia · Illinois · Indiana · Kentucky · Pennsylvania · Tennessee · Texas · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Lawyer

They provide legal services, typically billed separately.

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.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Instagram YouTube Website 859-223-6333

Advisors at this firm

Charles B

CFP®, Series 63, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Charles Buckley is a CFP® with over 30 years of experience in the financial services industry. He has been with Spectrum Financial Alliance, Ltd., L.L.C. since 1995 and concurrently involved with Falcon Harley Ltd., L.L.C. since 2000. Buckley holds Series 63 and Series 65 licenses. Spectrum Financial Alliance is a registered investment adviser that delivers personalized financial planning and discretionary asset management to individuals, including high-net-worth clients, as well as pension plans, trusts, estates, and business entities. The firm uses a variety of investment strategies, including fundamental and technical analysis, and manages client assets with ongoing monitoring and periodic reviews.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Christopher E

Series 63, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Christopher Edney is a financial advisor with Spectrum Financial Alliance, Ltd., L.L.C. He holds Series 63 and Series 65 licenses and has one year of experience in the financial industry. Prior to joining Spectrum Financial Alliance, Edney worked in healthcare and technology roles, including positions at UK Healthcare and CUSITech LLC. He is also the owner of Sigma Squared LLC, where he develops automation tools and provides CFO and business analysis services. Spectrum Financial Alliance is a registered investment adviser serving individuals, including high-net-worth clients, as well as pension plans, trusts, estates, and business entities. The firm offers personalized financial planning and discretionary asset management, employing a range of investment strategies with ongoing monitoring and periodic reviews.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

Camden M

CFP®, Series 65

Nicholasville, KY

Spectrum Financial Alliance, Ltd., L.L.C.

Camden Miracle is a CFP® professional at Spectrum Financial Alliance, Ltd., L.L.C. with two years of industry experience. He has been with Spectrum Financial Alliance since 2021 and previously worked at the University of Kentucky and Bethlehem High School. Spectrum Financial Alliance is a registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm offers personalized financial planning and discretionary asset management, employing a range of investment strategies including fundamental and technical analysis, option contracts, and derivatives.

General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement plans for business owners (SEP, solo 401k) Annuities Options & derivatives strategies

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