# Spectrum Financial Inc

> Spectrum Financial Inc is an SEC-registered investment advisory firm in Virginia Beach, VA, registered since 1988, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 19, 2026.

- CRD: 105618
- Filed as: SPECTRUM FINANCIAL INC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Virginia Beach, VA
- Filing period: October 2026
- Form ADV filing dated: March 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/105618
- AdvisorCensus page: https://advisorcensus.com/firm/spectrum-financial-inc-virginia-beach-va-105618

## Quick answers

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

**Where is Spectrum Financial Inc located?**
Spectrum Financial Inc's principal office is in Virginia Beach, VA, according to its Form ADV.

**Is Spectrum Financial Inc registered with the SEC or a state?**
Spectrum Financial Inc is an SEC-registered investment advisory firm, registered since 1988. Status as filed: Approved. CRD 105618.

**How much does Spectrum Financial Inc manage?**
Spectrum Financial Inc reports $236,484,223 in regulatory assets under management in its Form ADV filing dated March 19, 2026 (100% discretionary).

**How have Spectrum Financial Inc's assets and staff changed since 2021?**
In the Form ADV data for Spectrum Financial Inc: Regulatory assets under management: $415,802,352 in the October 2021 data and $236,484,223 in the October 2026 data, down 43%. Total employees: 5 in October 2021 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 Financial Inc serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (213); charitable organizations (9); corporations or other businesses not listed above (4).

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

**Does Spectrum Financial Inc 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/105618

**Does Spectrum Financial Inc state an account minimum?**
Its Form ADV Part 2A brochure dated March 19, 2026 says: "Although Spectrum Financial reserves the right to accept accounts below $50,000, the recommended minimum account size per contract is $50,000."

**What changed in Spectrum Financial Inc's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $266,263,591 to $236,484,223 (-11%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Other

### Fees and minimums (Form ADV Part 2A brochure dated March 19, 2026)

- Account minimum: $50,000

> Although Spectrum Financial reserves the right to accept accounts below $50,000, the recommended minimum account size per contract is $50,000.

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

### Custodians (Schedule D, Section 5.K(3))
- NFS

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: $236,484,223
- Discretionary: $236,484,223
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 213 | $34,392,755 |
| Investment companies | 3 | $192,549,210 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 2 | $1,896,701 |
| Charitable organizations | 9 | $2,692,389 |
| Corporations or other businesses not listed above | 4 | $4,863,610 |
| Other | 3 | $89,558 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Portfolio management for investment companies (and business development companies)
- Other

### Firm details
- Registered since: 1988 (37 years)
- Employees: 9 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, CA, CT, FL, GA, IL, MD, NY, PA, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- investspectrum.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $415,802,352 | 5 | July 21, 2021 |
| October 2022 | $402,578,754 | 6 | April 14, 2022 |
| October 2023 | $370,399,055 | 6 | March 15, 2023 |
| October 2024 | $292,322,759 | 6 | March 19, 2024 |
| October 2025 | $266,263,591 | 9 | March 26, 2025 |
| October 2026 | $236,484,223 | 9 | March 19, 2026 |

Regulatory assets under management: $415,802,352 in the October 2021 data and $236,484,223 in the October 2026 data, down 43%.
Total employees: 5 in October 2021 and 9 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $266,263,591 to $236,484,223 (-11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Spectrum Financial Inc (CRD 105618): Form ADV filing data as of October 2026.