With so many different avenues available for financial advice, instead of just listing our services here (which will sound very similar to other firms), we want to simply summarize the features which we believe distinguishes our firm.
Independent and Predominately Fee-Only – The most client-focused and transparent business model available.
Technology and Communication – Proactive, relevant and frequent – so clients always feel connected and informed.
Client Service – We want to exceed expectations.
Investment Philosophy – Logical, organized, and flexible - using both internal and external expertise.
Why is it so difficult to find and select an investment advisory firm? It is one of the most important decisions an individual or family can make, and yet it is often made with something less than a complete set of facts. Transparency from both sides is the key to producing solid advisor/client relationships, and the topics below are the core issues which define Spectrum Financial.
As a completely independent, predominately fee-only investment advisory firm, we have the freedom to engage only with clients who are a solid match with our firm, and the only way to do that is with a completely open and transparent exchange of information regarding how our firm’s true capabilities line up with a client’s true needs and objectives. Our Independence and reliance on client fees as our prime revenue source means that we can truly sit on the same side of the table with our clients. When they do well, we do well.
The use of new and updated models of communication are important in representing our clients. From the very beginning, our firm has been committed to being proactive and innovative in using technology to communicate with our clients. As examples, our web-based reporting system allows clients to always know exactly how their investments are performing and allocated, and our active use of virtual meetings, video technology and email allow for frequent updates and direct interaction in a very efficient manner for all. With clients spread across the U.S., our use of communication technology keeps our clients completely up to date with our firm and their investment picture.
We believe that providing exceptional client service is important to the client experience. Today every advisor and firm promises great client service, but the truth is there is no way to verify those claims until after you have already become a client. So our approach is simple – use technology, committed personnel and a top tier network of internal and external resources to respond to client needs quickly, accurately and, whenever possible, taking that one extra step beyond what clients are expecting, even at times anticipating client needs that they themselves don’t yet know they have. Only a solid infrastructure and commitment to client service makes that possible.
We believe it is very important to have an investment philosophy that reflects our commitment to our clients. Using both internal and external expertise, our approach is to use strategies which are logical and organized, but which contain enough flexibility to adjust to future global market conditions no one can predict. We value a global approach to allocation, liquidity in our holdings, and transparency to our clients. We also prefer strategies which are mathematically, statistically or technically driven versus those that rely on forecasts and predictions. All of this is organized in a way to be easily understood by our clients and begins with each client completing a risk based volatility assessment to determine an appropriate initial allocation for their specific objectives and attitudes.
We are pleased you have visited our website and hope you will absorb all that is here. Then, if ours seems to be the kind of firm you might like to have working on your behalf, we invite you to contact us to begin the process of determining if we are a good fit for each other. Whether you are an individual. Family or business we look forward to speaking with you and determining together if your situation is right for experiencing the Spectrum Financial difference. The process can begin on our Contact page, which can be found at the link below.
firstname.lastname@example.org | 828-328-9551