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    Financial Planning

    “If you don’t know where you want to go, how will you know when you have arrived?” Financial planning is a process designed to define your unique financial goals and identify your concerns. We then develop a comprehensive and sophisticated financial model customized to achieve your goals. Our process contains six steps:

    1. Establish and define the advisor-client relationship
    2. Determine your goals and gather quantitative and qualitative data
    3. Analyze and evaluate the data
    4. Develop and present a plan
    5. Implement the plan
    6. Monitor the plan

    We take a 360 degree approach to financial planning. We evaluate and coordinate all areas of your financial plan which includes Insurance, Investments, Taxes, Retirement Planning, Estate Planning and Asset protection. We utilize this financial model as a “what if” machine to project the interrelationships of future expenses, asset values, income sources, investment results, taxes, inflation, life expectancies and all the other lifestyle issues you will face.

    Investment Management

    We strive to help our clients understand, evaluate and blend a combination of investments selected to align with their goals. We offer a wider range of investments than most firms, by using the whole menu of available investments, not just market-based assets.  The techniques and processes we use as we build and manage your portfolio of assets include, but are not limited to:

    The challenge for every investor is to recognize that with the potential of higher returns comes the possibility of increased fluctuation in portfolio value. Within the framework of your financial plan, we work to maximize return while managing your tolerance for risk.

    Retirement Income Planning

    Retirement Income Planning focuses on clients who are fast approaching or have already reached retirement. It is at this time when their assets are needed to generate income. The need to protect and preserve principal, while staying ahead of inflation, presents special challenges. Tax efficiency is also important as our clients’ access both taxable and tax-advantaged “buckets” for supplemental income. Our goal is to develop a personalized plan to provide a secure and predictable lifetime income.

    Tax Reduction Strategies

    We haven’t met one person who likes paying taxes. Our clients want to know what strategies they can use to reduce their taxes now and over their lifetime. We have found that they aren’t getting tax-saving advice since their CPA is too busy doing tax returns and focusing on the past to offer assistance with future tax strategies. We explore all reasonable ideas to minimize tax and be more efficient. We receive continual training and are a member of the Master Elite Advisors associated with Ed Slott and Company, a national group of top tier advisors who are experts in IRAs and taxes.

    Asset Protection

    We are all aware that there are an abundance of lawsuits and the liabilities that exist which precede them. Most people don’t know how to protect themselves and their assets from the threat of a lawsuit. We review the best strategies to mitigate these possibilities so our client can keep their assets safe.

    Insurance Planning

    Typically, this is an area of confusion and complexity with too many options and too many voices offering their opinions. We simplify this area with a needs-based approach that clarifies what coverage is needed. Then we shop the insurance market for the products that best fit the needs and are most cost efficient. Our independence and our knowledge and experience, saves our clients a lot of time and money.

    Estate Analysis

    After understanding your family situation and your financial and legacy objectives, we review your estate planning documents to see if they match your objectives. If not, we recommend what you need to adjust with the help of an attorney. We simplify the process of making an estate plan and coordinate with an attorney to minimize the communication gap.

    Free Retirement Kit

    Enter your information below to request this Kit including three separate guides that address several retirement topics.

  • Who We Are / Our Focus
    Meet mike reppert

    Mike Reppert is a senior partner and wealth manager at Spectrum Advisors with more than 30 years’ experience in the financial industry

    Learn more about Mike
    What We Do

    Our comprehensive and coordinated wealth management strategies help clients reduce risk, gain confidence in their plan with maximum tax efficiency through a cutting edge wealth management system.

    Learn more about our services
    Why Choose Us

    Spectrum Advisors is the financial partner that you can trust to help achieve your financial goals.

    See what we offer
    Securities offered through Kalos Capital, Inc., Member FINRA and SIPC, located at 11525 Park Woods Circle, Alpharetta GA, 30005. Investment Advisory Services offered through Spectrum Advisors, Inc. Spectrum Advisors Inc. is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management.