Spectrum Capital Investment Group, Inc.

Spectrum Wealth Management, LLC is a Registered Investment Adviser that has been in business since August 2005. The firm provides customized investment management services to individuals, businesses, pensions, trusts, and estates. Spectrum offers investment management services, financial planning services, private placements advice, and pension consulting services. The firm typically collects information on clients' investment objectives, risk tolerance, and other necessary information to provide personalized investment advice. Spectrum utilizes various investment instruments such as stocks, bonds, REITs, and mutual funds to achieve asset allocation based on client objectives. The firm charges advisory fees based on a percentage of assets under management, with fees ranging from 0.50% to 2.00% depending on the asset level. Spectrum encourages clients to read the current version of the brochure carefully and provides quarterly reports and performance reviews. The firm does not engage in performance-based fees or side-by-side management. Spectrum has custody of client funds and maintains accounts with qualified custodians. The firm also has a policy of not accepting proxy voting authority for client securities holdings. Benjamin R. Putman, Donovan Denny Ritter, and Nicole Gasque are key personnel at Spectrum Wealth Management, LLC. They hold various professional designations such as CPA, CFP®, ChFC, CLU, CDFA, and CEPA®. These individuals have no disciplinary history and are supervised by Benjamin Putman. They may engage in other business activities, such as providing tax planning and insurance services, but are required to act in the best interests of clients. Nicole Gasque, in particular, is an independent insurance agent and may receive commissions for insurance product sales. Clients are not obligated to purchase products through these individuals, and disclosures are made regarding any compensation received.