Spectrum Planning & Advisory Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Spectrum Planning & Advisory Services reports 229 clients. They include 145 individual clients and 84 high-net-worth individuals. Of its assets, 100.0% ($236M across 807 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 63% | 18% |
| High-net-worth individuals | 37% | 79% |
| Pension and profit-sharing plans | Fewer than 5 | 2% |
| Charitable organizations | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 145 | $41.7M | 17.7% | $288K |
| High-net-worth individuals | 84 | $186M | 78.8% | $2.21M |
| Pension and profit-sharing plans | Fewer than 5 | $5.65M | 2.4% | — |
| Charitable organizations | Fewer than 5 | $2.49M | 1.1% | — |
| Total | 229 | $236M | 100% | — |
- Clients
- 145
- Regulatory AUM
- $41.7M
- AUM share
- 17.7%
- Avg. per client
- $288K
- Clients
- 84
- Regulatory AUM
- $186M
- AUM share
- 78.8%
- Avg. per client
- $2.21M
- Clients
- Fewer than 5
- Regulatory AUM
- $5.65M
- AUM share
- 2.4%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $2.49M
- AUM share
- 1.1%
- Avg. per client
- —
Total
- Clients
- 229
- Regulatory AUM
- $236M
- AUM share
- 100%
- Avg. per client
- —
- 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
- 101–250
Spectrum Planning & Advisory Services charges 0.70%–1.25% a year for its Investment Management Services. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning for one year costs $1,500 to $20,000, or $250 to $500 an hour; fees are negotiable.
- Retirement Plan Advisory Services
- Retirement plan advisory services carry a fixed engagement fee of $1,500 to $20,000, billed quarterly, and may be negotiable.
Jeremy Martinson owns 25% to 50% of Spectrum Planning & Advisory Services. Brentt Hoover is CEO; the leadership team includes President Danielle Luster and Chief Financial Officer Jeremy Martinson. It has 8 employees, 4 of them in advisory roles.
Leadership
- Brentt HooverChief Executive Officer, Chief Compliance Officer
- Danielle LusterPresident
- Jeremy MartinsonChief Financial Officer
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 8 employees
- 4 in advisory functions
- 4 state-registered reps
- 2 insurance agents
- Owns 25% to 50% of Spectrum Planning & Advisory Services Inc.
Jeremy Martinson
Control person · since December 2013
- Owns 25% to 50% of Spectrum Planning & Advisory Services Inc.
Danielle Luster
Control person · since September 2014
- Owns 25% to 50% of Spectrum Planning & Advisory Services Inc.
Brentt Hoover
Control person · since September 2014
Spectrum Planning & Advisory Services’ regulatory assets grew 2.0× from $116M (July 2021) to $236M (September 2026); clients rose from 182 to 229 and employees from 4 to 8.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $236M | 229 | 8 | 3 |
| March 2025 | $184M | 211 | 5 | 3 |
| April 2024 | $152M | 210 | 8 | 3 |
| February 2023 | $123M | 197 | 5 | 3 |
| July 2022 | $133M | 195 | 4 | 2 |
| July 2021 | $116M | 182 | 4 | 2 |
Besides its headquarters, Spectrum Planning & Advisory Services has 2 offices (2 private residences, listed without an address), with 1 listed address in California.
California · 1 listed address
- 3131 Camino Del Rio North, Suite 750, San DiegoHQ
Other business names
Spectrum Planning & Advisory Services has reported 1 other business name to the SEC.
- Better Planning
Contact and registration details
- Legal name
- Spectrum Planning & Advisory Services Inc.
- Headquarters
- 3131 Camino Del Rio North, Suite 750, San Diego, CA 92108
- Website
- bamboowealthstrategies.com
- Phone
- 619-289-9670
- @bamboo-wealth-strategies
- SEC file
- 801-119805
- Founded
- 2013
- Structure
- California corporation
- Fiscal year end
- December
Spectrum Planning & Advisory Services uses Charles Schwab ($232M) as custodian for its separately managed accounts. Spectrum Planning & Advisory Services has custody of $9.22K in client assets for 1 client.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $232M100%
At year end, Spectrum Planning & Advisory Services’ separately managed accounts were mostly in stocks (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $223M across 120 positions; the largest are SPDR Series Trust (7.0%), SPDR Series Trust (6.5%) and iShares TR (5.8%).
What the accounts hold
- Stocks93%
- Funds4%
- Bonds2%
- U.S. government and agency bonds1%
- Investment grade corporate bonds1%
- Cash1%
Reported 13F holdings
- $223M
- Reported 13F value
- 120
- Positions
- 47.3%
- In the 10 largest
- +10.6%
- Value vs. prior quarter
- SPDR Series Trust · ST Str P500etf7.0%
- SPDR Series Trust · ST Str Blo 1 ETF6.5%
- iShares TR · 0-3 Mth Treasury5.8%
- J P Morgan Exchange Traded F · Ultra Shrt ETF5.0%
- iShares TR · S&P 500 Grwt ETF4.3%
- Blackrock ETF Trust · Isha IN Ctry ETF4.2%
- Blackrock ETF Trust · iShares US Equit4.1%
- Vanguard BD Index Fds · Vanguard Ultra4.0%
- Pimco ETF TR · Enhan Shrt MA AC3.5%
- Blackrock ETF Trust · Isha LA Valu ETF3.1%
Together, the ten largest are 47.3% of reported value.
How many clients does Spectrum Planning & Advisory Services have?
Spectrum Planning & Advisory Services has 229 clients and manages $236 million for them, as of September 2026. They include 145 individual clients and 84 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 September 2026
What services does Spectrum Planning & Advisory Services offer?
Spectrum Planning & Advisory Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, 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
How much does Spectrum Planning & Advisory Services charge?
Spectrum Planning & Advisory Services charges 0.70%–1.25% a year for its Investment Management Services. The fee is billed in advance and is negotiable.
Source: ADV PART 2A2B - SPECTRUM PLANNING AND ADVISORY SERVICES, filed 15 September 2026
Which custodians does Spectrum Planning & Advisory Services use?
Spectrum Planning & Advisory Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $232M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 September 2026
How many financial advisors does Spectrum Planning & Advisory Services have?
Spectrum Planning & Advisory Services has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are 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 Planning & Advisory Services invest in?
At the end of its last fiscal year, Spectrum Planning & Advisory Services’ separately managed accounts held 93% exchange-traded equities, 4% registered funds (mutual funds, ETFs, BDCs), 1% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% 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 Planning & Advisory Services?
Spectrum Planning & Advisory Services’ direct owners are Jeremy Martinson, Danielle Luster and Brentt Hoover, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 15 September 2026
How does Spectrum Planning & Advisory Services get paid?
Spectrum Planning & Advisory Services is paid through a percentage of assets under management, hourly charges 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 Planning & Advisory Services registered with the SEC?
Yes, Spectrum Planning & Advisory Services has been registered with the SEC as an investment adviser since 16 November 2020. Its CRD number is 170093 and its SEC file number is 801-119805.
Source: Form ADV Part 1A, Item 1, filed 15 September 2026; IAPD firm record
How do I contact Spectrum Planning & Advisory Services?
Spectrum Planning & Advisory Services’ main office is at 3131 Camino Del Rio North, Suite 750, San Diego, CA 92108. Its phone number is 619-289-9670. Its website is bamboowealthstrategies.com.