Make your dream retirement a reality.
We help individuals and families create financial strategies with the goal of helping them live more fulfilling lives.
What does your future hold?
Call Us Call Us
connect with us Phone: 972-931-3700 / info@spectrumadvisors.net / Visit Us!

FINRA (www.finra.org)
Discover many of the opportunities available to help you plan for your financial future.
At Spectrum Advisors, we can help you determine a strategy appropriate for your financial situation.
Home » Financial Planning Services

Services

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 help you 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 Strategies and Asset protection strategies. We utilize this financial model as a “what if” machine to project the potential 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 offer a wider range of investments than most firms, by using the whole menu of available investments, not just stocks, bonds and mutual funds. We strive to help our clients understand, evaluate and blend a combination of investments selected to align with their goals. The techniques and processes we use as we build and manage your portfolio of assets include, but are not limited to:

  • Low Volatility Portfolio Mix
  • Dollar cost averaging, risk tolerance assessments and risk management
  • Portfolio evaluation, historical returns analysis and standard deviation
  • Manager evaluation, selection and monitoring
  • Non-traditional, non-market-correlated alternative investments
  • Tax preferenced investments
  • Third party money managers in a unified managed account

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 stable 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 in most instances, people are not aware of tax-saving strategies that are available to them We explore all reasonable ideas to help 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 focus on IRAs and taxes.

Asset Protection Strategies

We are all aware that there are an abundance of lawsuits and liabilities that threaten taking our assets from us in the wrong circumstances. Most people don't know how to protect themselves and their assets from these liabilities. We review for clients the best combination of strategies from types of proteced assets, structure of assets and liability insurance to help mitigate the risk of losing their hard-earned money unnecessarily.

Insurance Planning

We find that this is often 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 cost efficient. We believe our independence, knowledge and experience allows us to provide our clients with a service not easily replicated by other firms.

Estate Analysis

After understanding your family situation and your financial and legacy objectives, with the help of an attorney, we review your estate planning documents to see if they match your objectives. If not, recommendations for adjustments are provided through collaboration of our team and the attorney. Our mission is to help simplify the process of making an estate plan and coordinate with an attorney to minimize the communication gap.

Complimentary 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 investment advisor representative 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 are designed to help clients reduce risk, gain confidence in their plan with 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 pursue your financial goals.

    See what we offer

    Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities offered through Madison Avenue Securities, LLC (MAS), member of FINRA/SIPC. Investment advisory services offered through Spectrum Advisors, Inc, a Registered Investment Advisor. MAS and Spectrum Advisors, Inc are not affiliated entities.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    Ed Slott’s Elite IRA Advisor Group (“Ed Slott”) is a membership organization. Qualifying criteria includes payment of annual dues and attendance of workshops. Membership with Ed Slott in no way implies that Mike Reppert is an IRA distribution expert. Ed Slott is not affiliated with Spectrum Advisors, Inc or Madison Avenue Securities, LLC.

    This content is for informational purposes only. The descriptions of the financial vehicles are general in nature. It is not intended to serves as the basis for any financial or purchasing decisions or provide specific legal or tax advice. All consumers should consult a professional in these areas regarding the applicability of this information to their unique situations.