Spectrum Capital Management

Spectrum Capital Management is a Registered Investment Advisor established in 1987, specializing in asset allocation across major asset classes like stocks, bonds, and cash. The firm's primary investment goal is to create a diversified portfolio based on expected market returns and risk tolerance. The firm's owner is Jeffrey Y. Fulmer, and as of December 31, 2022, non-discretionary assets under management total $60,499,764, while discretionary assets total $44,192,612. Clients are charged fees based on a percentage of assets under management, starting at 0.70% per annum on the first $2,000,000. The minimum account size for clients is $500,000, and fees are payable monthly or quarterly. Spectrum primarily invests in index funds like the S&P 500 Stock Index and may use higher-risk indexed products based on client risk tolerance. Spectrum does not have accounts with performance-based fees and has no disciplinary actions against them. The firm has discretionary authority to manage client accounts, primarily focusing on rebalancing mutual fund holdings. Spectrum does not retain custody of client assets, which are held by a third-party custodian. Clients receive monthly statements detailing portfolio composition and performance. Spectrum's financial condition is maintained to meet all client commitments.