# Spectrum Advisors, Inc.

> Spectrum Advisors, Inc. is an SEC-registered investment advisory firm in Plano, TX, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 2, 2026.

- CRD: 114805
- Filed as: SPECTRUM ADVISORS, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Plano, TX
- Filing period: October 2026
- Form ADV filing dated: September 2, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/114805
- AdvisorCensus page: https://advisorcensus.com/firm/spectrum-advisors-inc-plano-tx-114805

## Quick answers

**How is Spectrum Advisors, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Spectrum Advisors, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Spectrum Advisors, Inc. charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Flat fee: $500 to $10,000 (comprehensive written financial plan); Hourly rate: $250 an hour (financial planning consulting and review). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Spectrum Advisors, Inc. located?**
Spectrum Advisors, Inc.'s principal office is in Plano, TX, according to its Form ADV; the October 2026 filing also lists 4 other offices (Schedule D, Section 1.F).

**Is Spectrum Advisors, Inc. registered with the SEC or a state?**
Spectrum Advisors, Inc. is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 114805.

**How much does Spectrum Advisors, Inc. manage?**
Spectrum Advisors, Inc. reports $160,000,000 in regulatory assets under management in its Form ADV filing dated September 2, 2026 (100% discretionary).

**How have Spectrum Advisors, Inc.'s assets and staff changed since 2022?**
In the Form ADV data for Spectrum Advisors, Inc.: Regulatory assets under management: $110,000,000 in the October 2022 data and $160,000,000 in the October 2026 data, up 45%. Total employees: 7 in October 2022 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Spectrum Advisors, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (270); high net worth individuals (38).

**Which custodians does Spectrum Advisors, Inc. use?**
Spectrum Advisors, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Spectrum Advisors, Inc. report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/114805

**What changed in Spectrum Advisors, Inc.'s recent Form ADV filings?**
In the October 2026 filing data: Changed its office addresses in Arlington, TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Flat fee: $500 to $10,000 (comprehensive written financial plan)

> Financial planning fees are charged through a fixed fee. Fixed fees vary and typically range from $500 to $10,000 per plan, depending on the plan's complexity.

- Hourly rate: $250 an hour (financial planning consulting and review)

> Fees are billed at an hourly rate. Hourly rates are $250 per hour and are negotiable.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $160,000,000
- Discretionary: $160,000,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 270 | $74,000,000 |
| High net worth individuals | 38 | $86,000,000 |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |
| Charitable organizations | 0 | Not reported |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 0 | Not reported |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2022 (4 years)
- Employees: 9 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, TX
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/114805

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Allen, TX
- Arlington, TX
- Denver, CO
- Houston, TX

### Websites listed on Form ADV (Item 1.I)
- spectrumadvisors.net
- Facebook @SPECTRUMADVISORSDALLAS
- Instagram @SPECTRUMADVISORS
- LinkedIn @SPECTRUM-ADVISORS-DALLAS
- YouTube @UCQPNS505BWEY9TI3KZ9QZJG

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $110,000,000 | 7 | June 15, 2022 |
| October 2023 | $118,000,000 | 7 | March 23, 2023 |
| October 2024 | $127,000,000 | 7 | May 24, 2024 |
| October 2025 | $149,000,000 | 9 | March 27, 2025 |
| October 2026 | $160,000,000 | 9 | September 2, 2026 |

Regulatory assets under management: $110,000,000 in the October 2022 data and $160,000,000 in the October 2026 data, up 45%.
Total employees: 7 in October 2022 and 9 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Changed its office addresses in Arlington, TX.

### April 2026
- Employees performing advisory functions went from 4 to 5.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Spectrum Advisors, Inc. (CRD 114805): Form ADV filing data as of October 2026.