Spectrum Asset Management Inc

Spectrum Asset Management, Inc. is a registered investment adviser established in Newport Beach, CA, in 1987. The firm offers investment advisory services to over 300 clients, managing assets on a discretionary or non-discretionary basis. Spectrum's investment philosophy involves fundamental, technical, and cyclical analysis, focusing on individual equity and fixed income securities, ETFs, and mutual funds. The firm also provides financial planning services and offers tailored investment models through sub-advisory relationships. For investment advisory services, Spectrum generally encourages a minimum asset level of $1 million, with fees based on a percentage of the account value. The firm may recommend Charles Schwab & Co. as a custodian but can work with other custodians. Spectrum acts as a fiduciary for retirement accounts, ensuring recommendations are in the client's best interest. The firm's investment strategies include fixed income, core equity, and ETF/mutual fund models. Clients receive quarterly account statements from the custodian and have access to an online portal for real-time updates. Spectrum does not charge performance-based fees or receive compensation for the sale of securities. The firm's executives have diverse educational backgrounds and professional certifications, such as CFP® and CFA®. There is no disciplinary history for any of the firm's principals or associates. Spectrum maintains a Code of Ethics and supervises all employees to ensure compliance with industry standards.