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Integrated Financial Services
&
Coordinated Personalized Solutions

Your Financial Goals Are as Unique as Your Fingerprint.


At Spectrum Financial Management, listening is the bedrock of all our client relationships. Through active listening our team is able to better understand your specific goals. Through our integrated financial services, we coordinate personalized solutions that maximize opportunities while managing risks and minimizing taxes.

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Welcome to Spectrum Financial Management


Your financial security is just as important to us as it is to you. We offer integrated tax and wealth management services to cover the full “spectrum.”

This is an ongoing process that includes:

1

Establish Goals


Through data gathering meetings and comprehensive questionnaires we will determine your needs including: your objectives, risk tolerance, investment time horizon, liquidity requirements, and tax situation.


2

Planning


Once we have agreed on your objectives we plan an investment portfolio designed to meet your specific goals with a level of risk you feel comfortable with. We give special attention to the tax consequences and fees of every recommendation we make.


3

Implementation


Implementation of your investment plan includes the set-up of your accounts, the processing of trades, and a diligent follow-up process to confirm transaction accuracy.


4

Ongoing Review


Once the investments are made we continue to track and monitor your investment accounts. We review your asset allocation and will re-balance when appropriate. We continually monitor the performance of your investment assets and evaluate the effectiveness of the assets toward achieving your goals and providing an appropriate risk/reward trade-off.


5

Annual Review


We provide you with an annual review that covers your investment performance as well as financial planning and tax issues as they apply to your individual situation. The annual review helps gauge your progress towards your goals and make any adjustments necessary.

Brenda Friedlander Photo

Brenda Friedlander

Principal

Brenda heads our investment and financial planning services. Brenda joined Spectrum in 1992 and is now the current owner of the firm. She holds a master of science degree in finance from Golden Gate University and a bachelor's degree in accounting from Sonoma State University.

Brenda is a Certified Financial Planner® and an Enrolled Agent. A native of Sonoma County, Brenda enjoys gardening, soccer, and spending time outdoors with her family.

Paula Vaughn Photo

Paula Vaughn

Tax Preparation & Planning

Paula joined Spectrum in 2005. She has a bachelor's degree from California State University- Fullerton and is a CPA with more than 30 years of experience in both public and private accounting. She has extensive tax and financial experience from her work as a controller and as a CFO for multi-million dollar corporations, and as an advisor to individual and business clients.

Paula is responsible for tax preparation/planning services and is an integral part of our investment management services team. She enjoys hiking and cycling in her free time.

Karen MacKenzie Photo

Karen MacKenzie

Operations Specialist

Karen is our Operations Specialist at Spectrum, responsible for overseeing the account implementation process and trading. Karen joined Spectrum in 2000. She graduated from the University of California- Davis with a bachelor's degree in biological sciences and a minor in psychology.

Karen enjoys traveling, visiting aquariums and art museums, latin dancing and spending time with her dogs. Surprising her friends and family, she has also become a Warriors fan in recent years.

"A goal without a plan is just...a wish."

- Antoine de Saint-Exupery

At Spectrum Financial Management, we believe that it's not what you make, but what you keep that really matters.


We combine the overlapping disciplines of investment management, financial planning and taxation to thoroughly evaluate your financial options, illustrate possible outcomes and guide the decision making process.


Investment Management

At Spectrum Financial Management, investment portfolios are custom tailored to meet your specific objectives. Our team of investment professionals meets with you to determine your individual goals and objectives, risk tolerance, investment time horizon, liquidity requirements and tax situation. Then, utilizing a disciplined asset allocation approach they plan and manage an investment portfolio designed to meet your specific needs.

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Financial Planning

Whether you are in pre- or post-retirement, having a clearly defined plan for your financial future can provide a feeling of security and comfort. Spectrum Financial Management uses the planning process to compliment its investment management services.

Understanding your total financial picture allows the firm's investment team to make informed investment decisions that are appropriate for your specific situation.

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Tax Services

Spectrum provides coordinated tax-planning services to clients as an integrated part of its investment management services. Our consultants weigh the tax implications of every financial decision. Our goal is to help you keep more of what you earn by evaluating the tax efficiency of investment choices and performing strategic tax planning to help minimize taxes.

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Fees


One-Time Fee

Initial account setup fee $500


Investment Management Fee*

VALUE OF ACCOUNT ASSETS

ANNUAL BILLING RATE

On assets valued up to $500,0001.00%
On assets valued between $500,001 and $1 million0.75%
On assets valued above $1 million0.50%


*Minimum Account Size: $500,000

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Contact Us

Contact Us to Learn More


Spectrum Financial Management


899 Northgate Drive, Suite 305
San Rafael, CA 94903

Phone

415-472-7300

Fax

415-472-7357

Email

info@spectrumfinancialmgmt.com