Spectrum Financial Alliance provides financial planning, portfolio management for individuals and small businesses, pension consulting, publishing newsletters, educational seminars, estate planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Spectrum Financial Alliance reports 674 clients. They include 387 individual clients and 287 high-net-worth individuals. Of its assets, 100.0% ($813M across 2,056 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 57% | 17% |
| High-net-worth individuals | 43% | 83% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 387 | $136M | 16.8% | $352K |
| High-net-worth individuals | 287 | $677M | 83.2% | $2.36M |
| Total | 674 | $813M | 100% | $1.21M |
- Clients
- 387
- Regulatory AUM
- $136M
- AUM share
- 16.8%
- Avg. per client
- $352K
- Clients
- 287
- Regulatory AUM
- $677M
- AUM share
- 83.2%
- Avg. per client
- $2.36M
Total
- Clients
- 674
- Regulatory AUM
- $813M
- AUM share
- 100%
- Avg. per client
- $1.21M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Spectrum Financial Alliance is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Estate and Trust Planning Subscription Services
- Flat fees: Will-Based Estate Plan $1,200 single or $1,500 couple; Revocable Living Trust Plan $2,300 single or $2,600 couple; individual documents $150 to $300 each; complete revision $970 or $1,090.
Charles Buckley owns 75% or more of Spectrum Financial Alliance. The leadership team of Spectrum Financial Alliance includes Chief Compliance Officer Charles Buckley. It has 14 employees, 3 of them in advisory roles.
Leadership
Charles BuckleyManaging Member and Managing Director for Asset Management; Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 14 employees
- 3 in advisory functions
- Owns 75% or more of Spectrum Financial Alliance, LTD., L.L.C.
Charles Buckley
Control person · since January 2000
Spectrum Financial Alliance’s regulatory assets grew 3.1× from $260M (June 2021) to $813M (August 2026); clients rose from 458 to 674 and employees from 7 to 14.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $813M | 674 | 14 | 1 |
| June 2025 | $406M | 550 | 10 | 1 |
| July 2024 | $321M | 492 | 10 | 1 |
| March 2023 | $228M | 463 | 10 | 1 |
| March 2022 | $265M | 446 | 11 | 1 |
| June 2021 | $260M | 458 | 7 | 1 |
Besides its headquarters, Spectrum Financial Alliance has 0 offices, with 1 listed address in Kentucky.
Kentucky · 1 listed address
- 105 Wind Haven Drive, NicholasvilleHQ
Contact and registration details
- Legal name
- Spectrum Financial Alliance, LTD., L.L.C.
- Headquarters
- 105 Wind Haven Drive, Nicholasville, KY 40356
- Website
- spectrumalliance.com
- Phone
- 859-223-6333
- SEC file
- 801-79371
- Structure
- Delaware LLC
- Fiscal year end
- December
Spectrum Financial Alliance uses Charles Schwab ($813M) as custodian for its separately managed accounts. Spectrum Financial Alliance does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $813M100%
At year end, Spectrum Financial Alliance’s separately managed accounts were mostly in stocks (98%). Its reported 13F holdings for the quarter ended 30 June 2026 total $679M across 31 positions; the largest are Citigroup Inc. (13.2%), Boeing CO (11.5%) and Bank OF Amer Corp. (10.9%).
What the accounts hold
- Stocks98%
- Cash2%
Reported 13F holdings
- $679M
- Reported 13F value
- 31
- Positions
- 84.2%
- In the 10 largest
- +30.6%
- Value vs. prior quarter
- Citigroup Inc.13.2%
- Boeing CO11.5%
- Bank OF Amer Corp.10.9%
- Qualcomm Inc.9.0%
- Deere & CO8.5%
- Lockheed Martin Corp.8.5%
- GE Aerospace7.8%
- Micron Technology Inc.6.8%
- Marvell Technology Inc.5.2%
- Proshares TR II · Ulsht Bloomb Oil2.9%
Together, the ten largest are 84.2% of reported value.
How many clients does Spectrum Financial Alliance have?
Spectrum Financial Alliance has 674 clients and manages $813 million for them, as of August 2026. They include 387 individual clients and 287 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 August 2026
What services does Spectrum Financial Alliance offer?
Spectrum Financial Alliance provides financial planning, portfolio management for individuals and small businesses, pension consulting, publishing newsletters, educational seminars, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Spectrum Financial Alliance use?
Spectrum Financial Alliance’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $813M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 August 2026
How many financial advisors does Spectrum Financial Alliance have?
Spectrum Financial Alliance has 0 investment adviser representatives registered with state securities authorities, out of 14 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Spectrum Financial Alliance invest in?
At the end of its last fiscal year, Spectrum Financial Alliance’s separately managed accounts held 98% exchange-traded equities and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Spectrum Financial Alliance?
Spectrum Financial Alliance’s direct owner is Charles Buckley (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 10 August 2026
How does Spectrum Financial Alliance get paid?
Spectrum Financial Alliance is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Spectrum Financial Alliance registered with the SEC?
Yes, Spectrum Financial Alliance has been registered with the SEC as an investment adviser since 31 March 2014. Its CRD number is 125147 and its SEC file number is 801-79371.
Source: Form ADV Part 1A, Item 1, filed 10 August 2026; IAPD firm record
How do I contact Spectrum Financial Alliance?
Spectrum Financial Alliance’s main office is at 105 Wind Haven Drive, Nicholasville, KY 40356. Its phone number is 859-223-6333. Its website is spectrumalliance.com.