{"url":"https://nivawealth.com/firms/spectrum-financial-alliance-125147","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/125147","regulatoryAum":813014305,"crd":"125147","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1752633","suffix":null,"lastName":"BUCKLEY","firstName":"CHARLES","middleName":"KELLY"},{"crd":"4933070","suffix":null,"lastName":"EDNEY","firstName":"CHRISTOPHER","middleName":"BRIAN"},{"crd":"8339253","suffix":null,"lastName":"Miracle","firstName":"Caleb","middleName":"Jordan"},{"crd":"7752465","suffix":null,"lastName":"Miracle","firstName":"Camden","middleName":null}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-06-02","regulatoryAum":260478151,"clients":458,"employees":7,"offices":1},{"filedOn":"2022-03-31","regulatoryAum":264902990,"clients":446,"employees":11,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":227863073,"clients":463,"employees":10,"offices":1},{"filedOn":"2024-07-17","regulatoryAum":321208281,"clients":492,"employees":10,"offices":1},{"filedOn":"2025-06-11","regulatoryAum":406100192,"clients":550,"employees":10,"offices":1},{"filedOn":"2026-08-10","regulatoryAum":813014305,"clients":674,"employees":14,"offices":1}],"secFileNumber":"801-79371","legalName":"Spectrum Financial Alliance, LTD., L.L.C.","displayName":"Spectrum Financial Alliance","slug":"spectrum-financial-alliance-125147","website":"https://spectrumalliance.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"105 Wind Haven Drive","city":"Nicholasville","state":"KY","stateName":"Kentucky","country":"United States","postalCode":"40356"},"tradeNames":[],"registration":{"secApproved":"31 March 2014","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1206252.678041543,"staff":{"employees":14,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":813014305,"discretionary":813014305,"discretionaryAccounts":2056,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":387,"regulatoryAum":136255684},{"label":"High-net-worth individuals","clients":287,"regulatoryAum":676758621}],"feePrograms":[{"role":"other","program":"Estate and Trust Planning Subscription Services","summary":"Flat fees: Will-Based Estate Plan $1,200 single or $1,500 couple; 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Chief Compliance Officer","crd":"1752633"}],"ownership":[{"label":"Charles Buckley","detail":"Managing member and managing director for asset management; chief compliance officer in the 75% or more ownership band and a control person, since January 2000."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kentucky","offices":1,"addresses":[{"street":"105 Wind Haven Drive","city":"Nicholasville","headquarters":true}]}],"brochureServices":["estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"859-223-6333","stateRegisteredReps":0,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Publication of periodicals or newsletters","Educational seminars/workshops","Other"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":98},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"10 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/125147/PDF/125147.pdf","brochureDate":"10 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1054471","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Spectrum Financial Alliance have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Spectrum Financial Alliance offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Spectrum Financial Alliance use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Spectrum Financial Alliance have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Spectrum Financial Alliance invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Spectrum Financial Alliance?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Spectrum Financial Alliance get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Spectrum Financial Alliance registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Spectrum Financial Alliance?","answer":"Spectrum Financial Alliance’s main office is at 105 Wind Haven Drive, Nicholasville, KY 40356. Its phone number is 859-223-6333. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}