Spectrum Financial Management

Spectrum Financial Management, operated by Brenda S. Friedlander, is a registered investment advisor established in 2003. The firm specializes in investment management services, requiring a minimum portfolio of $1,000,000. Their asset allocation strategy aims to meet client-specific goals with appropriate risk levels. Services include financial planning, tax analysis, and preparation. Clients are encouraged to review the firm's Brochure for detailed information on qualifications and practices. Spectrum charges a minimum annual investment management fee of $8,750, based on a percentage of assets under management. Clients may withdraw assets at any time, subject to account size minimums. The firm does not charge performance-based fees and does not participate in soft dollar arrangements. Clients are advised to maintain custody of their assets with Charles Schwab & Co., Inc. Spectrum does not vote on client securities and does not require prepayment of fees. The firm has no disciplinary history and provides periodic portfolio reviews and financial reports to clients. Spectrum does not pay referral fees and does not maintain physical custody of client funds or securities.