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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
One-Time Fee | |
| Initial account setup fee | $500 |
Investment Management Fee* | |
VALUE OF ACCOUNT ASSETS | ANNUAL BILLING RATE |
| On assets valued up to $500,000 | 1.00% |
| On assets valued between $500,001 and $1 million | 0.75% |
| On assets valued above $1 million | 0.50% |
899 Northgate Drive, Suite 305
San Rafael, CA 94903
415-472-7300
415-472-7357