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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Spectrum Planning & Advisory Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Spectrum Planning & Advisory Services charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Spectrum Planning & Advisory Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Spectrum Planning & Advisory Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Spectrum Planning & Advisory Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Spectrum Planning & Advisory Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Spectrum Planning & Advisory Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Spectrum Planning & Advisory Services registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Spectrum Planning & Advisory Services?","answer":"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. 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