Spectrum Wealth Management

Spectrum Management Group, LLC, operating as Spectrum Wealth Management, is an Indiana corporation established in March 2010 and registered as an SEC investment adviser since October 2010. The firm specializes in providing personalized wealth management strategies for high-net-worth individuals and families, as well as investment management services for individual and institutional investors. Spectrum Management Group emphasizes acting in the best interest of clients and discloses potential conflicts of interest arising from its compensation structure. The firm requires a minimum investment of $1,000,000 for its wealth management services and offers an Accumulator Wealth Management service for clients who do not meet this threshold initially. Investment strategies include individual equity portfolios such as SWM All Cap, SWM Dividend Growth, and SWM Growth and Income, as well as tactical focused portfolios and sector rotation strategies. Spectrum Management Group provides comprehensive financial planning services, retirement plan advice, and consulting services for ERISA-based plans. The firm also offers family office and trust services through Spectrum Private Trust and engages in third-party money manager due diligence. Clients grant SWM discretionary authority over investment decisions, and the firm has established a Code of Ethics to ensure ethical conduct. SWM does not have custody of client assets but may arrange for fee deductions. The firm's fee structure is based on a percentage of assets under management, with fees billed quarterly. SWM does not charge performance-based fees and does not manage side-by-side accounts with different fee structures. The firm does not vote proxies for most client accounts but does so for specific stock strategies. SWM discloses its financial industry activities and affiliations, including relationships with CPA firms and third-party promoters. The firm has no reportable disciplinary actions and does not require prepayment of fees exceeding $1,200. SWM does not have custody of client assets but may arrange for fee deductions. The firm's fee structure is based on a percentage of assets under management, with fees billed quarterly. SWM does not charge performance-based fees and does not manage side-by-side accounts with different fee structures. The firm does not vote proxies for most client accounts but does so for specific stock strategies. SWM discloses its financial industry activities and affiliations, including relationships with CPA firms and third-party promoters. The firm has no reportable disciplinary actions and does not require prepayment of fees exceeding $1,200.