{
  "crd_number": 125147,
  "slug": "spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147",
  "primary_business_name": "SPECTRUM FINANCIAL ALLIANCE, LTD., L.L.C.",
  "legal_name": "SPECTRUM FINANCIAL ALLIANCE, LTD., L.L.C.",
  "dbas": [],
  "city": "Nicholasville",
  "state": "KY",
  "country": "United States",
  "cbsa_code": "30460",
  "metro": {
    "cbsa_code": "30460",
    "common_name": "Lexington",
    "msa_name": "Lexington-Fayette, KY",
    "path": "/advisors/ky/lexington"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2014-03-31",
  "years_registered": 12,
  "period": "2026-10-01",
  "filing_date": "2026-08-10",
  "carried_forward": false,
  "raum_total": 813014305.0,
  "raum_discretionary": 813014305.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 14,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 136255684.0,
      "count": 387
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 676758621.0,
      "count": 287
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "other",
    "pension_consulting",
    "periodicals_newsletters",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AL",
    "CO",
    "FL",
    "GA",
    "IL",
    "IN",
    "KY",
    "PA",
    "TN",
    "TX",
    "VA"
  ],
  "websites": [
    "https://facebook.com/SPECTRUMFINANCIALALLIANCE",
    "https://instagram.com/spectrumfinancialalliance",
    "https://linkedin.company/SPECTRUMFINANCIAL-ALLIANCE-LTD-LLC",
    "https://spectrumalliance.com",
    "https://twitter.com/SPECFINALL",
    "https://youtube.com/@spectrumfinancialalliancel4023"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/125147",
  "city_as_filed": "NICHOLASVILLE",
  "url": "https://advisorcensus.com/firm/spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147",
  "display_name": "Spectrum Financial Alliance, Ltd., L.L.C.",
  "summary": "Spectrum Financial Alliance, Ltd., L.L.C. is an SEC-registered investment advisory firm in Nicholasville, KY, registered since 2014, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated August 10, 2026.",
  "citation": "AdvisorCensus. Spectrum Financial Alliance, Ltd., L.L.C. (CRD 125147): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Publication of periodicals or newsletters",
    "Educational seminars/workshops",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Spectrum Financial Alliance, Ltd., L.L.C. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Spectrum Financial Alliance, Ltd., L.L.C. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Where is Spectrum Financial Alliance, Ltd., L.L.C. located?",
      "a": "Spectrum Financial Alliance, Ltd., L.L.C.'s principal office is in Nicholasville, KY, according to its Form ADV."
    },
    {
      "q": "Is Spectrum Financial Alliance, Ltd., L.L.C. registered with the SEC or a state?",
      "a": "Spectrum Financial Alliance, Ltd., L.L.C. is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 125147."
    },
    {
      "q": "How much does Spectrum Financial Alliance, Ltd., L.L.C. manage?",
      "a": "Spectrum Financial Alliance, Ltd., L.L.C. reports $813,014,305 in regulatory assets under management in its Form ADV filing dated August 10, 2026 (100% discretionary)."
    },
    {
      "q": "How have Spectrum Financial Alliance, Ltd., L.L.C.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for Spectrum Financial Alliance, Ltd., L.L.C.: Regulatory assets under management: $260,478,151 in the October 2021 data and $813,014,305 in the October 2026 data, up 212%. Total employees: 7 in October 2021 and 14 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Spectrum Financial Alliance, Ltd., L.L.C. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (387); high net worth individuals (287)."
    },
    {
      "q": "Which custodians does Spectrum Financial Alliance, Ltd., L.L.C. use?",
      "a": "Spectrum Financial Alliance, Ltd., L.L.C.'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."
    },
    {
      "q": "Does Spectrum Financial Alliance, Ltd., L.L.C. report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/125147"
    },
    {
      "q": "What changed in Spectrum Financial Alliance, Ltd., L.L.C.'s recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 2 to 3. Regulatory assets under management went from $516,925,597 to $653,580,021 (+26%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 260478151.0,
      "total_employees": 7,
      "filing_date": "2021-06-02"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 264902990.0,
      "total_employees": 11,
      "filing_date": "2022-03-31"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 227863073.0,
      "total_employees": 10,
      "filing_date": "2023-03-31"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 321208281.0,
      "total_employees": 10,
      "filing_date": "2024-07-17"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 406100192.0,
      "total_employees": 10,
      "filing_date": "2025-06-11"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 813014305.0,
      "total_employees": 14,
      "filing_date": "2026-08-10"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 2 to 3.",
        "Regulatory assets under management went from $516,925,597 to $653,580,021 (+26%)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Regulatory assets under management went from $406,100,192 to $516,925,597 (+27%)."
      ]
    }
  ],
  "fees_from_brochure": null,
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 387,
      "fewer_than_5": false,
      "raum": 136255684.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 287,
      "fewer_than_5": false,
      "raum": 676758621.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/125147",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}