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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 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 to project the potential interrelationships 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. 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 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 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

You’ve got plans — a lot of them. Wouldn’t it be more fun to focus on your dreams than constantly worrying about what the market’s doing? Diversifying your retirement assets among a variety of vehicles — including a mix of both insurance products and investments, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals. Anyone who invests in the market should understand it involves potential risk of principal. So, to provide some security not found in the stock market, you may want to include some insurance products in your financial strategy. These products, such as annuities, can provide supplemental income throughout retirement and protect your money from declines due to stock market losses.

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 most 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 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 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.

    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    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/SIPCA. Investment advisory services offered through Spectrum Advisors, Inc, a Registered Investment Advisor. MAS and Spectrum Advisors, Inc are not affiliated entities.

    Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    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.