# Spectrum Financial Alliance, Ltd., L.L.C.

> 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.

- CRD: 125147
- Filed as: SPECTRUM FINANCIAL ALLIANCE, LTD., L.L.C.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Nicholasville, KY
- Filing period: October 2026
- Form ADV filing dated: August 10, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/125147
- AdvisorCensus page: https://advisorcensus.com/firm/spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147

## Quick answers

**How is Spectrum Financial Alliance, Ltd., L.L.C. compensated?**
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).

**Where is Spectrum Financial Alliance, Ltd., L.L.C. located?**
Spectrum Financial Alliance, Ltd., L.L.C.'s principal office is in Nicholasville, KY, according to its Form ADV.

**Is Spectrum Financial Alliance, Ltd., L.L.C. registered with the SEC or a state?**
Spectrum Financial Alliance, Ltd., L.L.C. is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 125147.

**How much does Spectrum Financial Alliance, Ltd., L.L.C. manage?**
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).

**How have Spectrum Financial Alliance, Ltd., L.L.C.'s assets and staff changed since 2021?**
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.

**What types of clients does Spectrum Financial Alliance, Ltd., L.L.C. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (387); high net worth individuals (287).

**Which custodians does Spectrum Financial Alliance, Ltd., L.L.C. use?**
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.

**Does Spectrum Financial Alliance, Ltd., L.L.C. report any disciplinary disclosures?**
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

**What changed in Spectrum Financial Alliance, Ltd., L.L.C.'s recent Form ADV filings?**
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%).

## From the Form ADV filing

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

### 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: $813,014,305
- Discretionary: $813,014,305
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 387 | $136,255,684 |
| High net worth individuals | 287 | $676,758,621 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Publication of periodicals or newsletters
- Educational seminars/workshops
- Other

### Firm details
- Registered since: 2014 (12 years)
- Employees: 14 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, CO, FL, GA, IL, IN, KY, PA, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- linkedin.company/SPECTRUMFINANCIAL-ALLIANCE-LTD-LLC
- spectrumalliance.com
- Facebook @SPECTRUMFINANCIALALLIANCE
- Instagram @spectrumfinancialalliance
- X @SPECFINALL
- YouTube @spectrumfinancialalliancel4023

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $260,478,151 | 7 | June 2, 2021 |
| October 2022 | $264,902,990 | 11 | March 31, 2022 |
| October 2023 | $227,863,073 | 10 | March 31, 2023 |
| October 2024 | $321,208,281 | 10 | July 17, 2024 |
| October 2025 | $406,100,192 | 10 | June 11, 2025 |
| October 2026 | $813,014,305 | 14 | August 10, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 2 to 3.
- Regulatory assets under management went from $516,925,597 to $653,580,021 (+26%).

### December 2025
- Regulatory assets under management went from $406,100,192 to $516,925,597 (+27%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Spectrum Financial Alliance, Ltd., L.L.C. (CRD 125147): Form ADV filing data as of October 2026.