Client Experience

Spectrum Financial is committed to providing comprehensive financial planning solutions. For over 20 years, we have helped individuals and families create a complete picture of their personal financial future. Our team of professionals includes experienced Certified Financial Planners™ and exceptionally capable customer service staff who will assist you every step of the way.

We have developed a planning process through which we create a comprehensive financial plan that is custom tailored to your unique situation and goals. With Spectrum Financial, planning is not about the sale of financial products; it is an ongoing relationship that allows us to think long-term about your financial future enabling us to develop sophisticated, customized solutions that result in a truly rewarding financial strategy.

Discover

During the discovery process, we take the time to understand you and your unique circumstances and to introduce you to Spectrum Financial. In order to make your initial meeting as meaningful as possible, we will prepare by reviewing the information that you provide in your Client Discovery Questionnaire. During the initial meetings, we will:

	Discuss and define your goals, needs and objectives including your personal perceptions of Dangers, Opportunities, and Strengths.
	Gather information and documents.
	Gather qualitative data regarding risk tolerances, market expectations, and other issues.
	Introduce you to Spectrum and our planning process, and answer any questions you may have.
	Determine our mutual interest in establishing a working relationship.

Analyze

	The next stage of the Spectrum planning process is to analyze your situation from the information we have gathered, both qualitative and quantitative. During the analysis stage, we will:
	Assess challenges, opportunities, and economic reality related to your goals and objectives.
	Undertake thorough analysis of your financial condition, including your net worth and assets, tax situation, estate plan, cash flow, and other financial dynamics.
	Assess your short- and long-term objectives and relevant risk tolerance.

Design

During the design stage of our financial planning process, we apply our experience and professional expertise. Using our analysis of your unique situation, we:

	Create your complete financial plan
	Draft a personal Investment Policy Statement.
	Design an appropriate portfolio asset allocation.

Deliver

Once we have drafted your plan, we meet with you to present and discuss all aspects of the plan. At this meeting, we:

	Present your financial plan and Investment Policy Statement.
	Fully review your IPS and financial plan, in order to confirm that the plan meets your needs.
	Explain the rationale behind our specific strategies and planning tools, and how these strategies and tools are appropriate in helping you achieve your individual goals
	Discuss our recommendations and answer any questions that you may have.
	Recommend a plan of action to implement the plan.

Implement

During the implementation stage, we will work with you to make your financial plan a reality. Based on to our plan of action, we will:

	Finalize your financial plan and IPS, incorporating any feedback or changes that arose during the delivery stage.
	Establish new accounts.
	Initiate tactical planning and investment strategies.

Manage

Our objective is to maintain ongoing knowledge of conditions, factors and tools that relate to your financial plan and your ability to achieve your investment/planning goals. In short, we filter extraordinary amounts of investment, planning, economic, market, and political data, to determine what is relevant to your goals and needs, and adjust investment strategies or financial plan design accordingly. We will continue to:

Review and monitor your investments and periodically update your financial plan. We look at:

	Your current financial data and situation as it evolves.
	Your goals and objectives as they change or solidify.
	The present economic conditions, market environment, and political or legal issues.

Provide individual analysis and review of issues pertaining to:

	Tax planning.
	Capital needs.
	Estate planning.
	New or modified investment and planning strategies.
	Perform ongoing investment research and analysis.

Monitor:

	Interest Rates
	Inflation
	Other Key Economic Indicators

Empower Enjoy Enhance

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