Spectrum Financial Management

Spectrum Financial Management provides investment management, financial planning, and tax services to individual and high-net-worth clients and their trusts, generally taking new relationships at a $1,000,000 portfolio minimum (with some semi‑annual arrangements for smaller accounts). The firm delivers ongoing portfolio management, client reporting, and a range of planning services including retirement, education, estate and charitable planning.

The firm follows an asset‑allocation driven investment approach, using fundamental analysis and primarily implementing portfolios with no‑load mutual funds and ETFs, with a disciplined rebalancing process (typically reviewed semi‑annually and rebalanced when allocations deviate around five percentage points). Accounts are monitored continuously, with an annual comprehensive review and a year‑end tax review focused on realized gains and tax‑management opportunities.

What is distinctive is the integration of tax expertise into its advisory offering: the firm’s principal holds an accounting degree and is an Enrolled Agent, and the firm provides coordinated tax planning, tax return preparation, cost‑basis audits, employee stock option/restricted share analysis, and IRS representation under separate agreements. The firm also accepts tax‑only engagements on occasion while keeping investment management as a separate, discretionary or non‑discretionary service, a combination that is uncommon among similarly sized advisory firms.