# Spectrum Financial Resources

> Spectrum Financial Resources is an SEC-registered investment advisory firm in Troy, MI, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 30, 2026.

- CRD: 127453
- Filed as: SPECTRUM FINANCIAL RESOURCES
- Legal name: Spectrum Financial Resources, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Troy, MI
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/127453
- AdvisorCensus page: https://advisorcensus.com/firm/spectrum-financial-resources-troy-mi-127453

## Quick answers

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

**How much does Spectrum Financial Resources charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Hourly rate: $75 an hour (consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Spectrum Financial Resources located?**
Spectrum Financial Resources' principal office is in Troy, MI, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Spectrum Financial Resources registered with the SEC or a state?**
Spectrum Financial Resources is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 127453.

**How much does Spectrum Financial Resources manage?**
Spectrum Financial Resources reports $235,309,254 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (37% discretionary).

**How have Spectrum Financial Resources' assets and staff changed since 2022?**
In the Form ADV data for Spectrum Financial Resources: Regulatory assets under management: $178,125,773 in the October 2022 data and $235,309,254 in the October 2026 data, up 32%. Total employees: 7 in October 2022 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Spectrum Financial Resources serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (584); high net worth individuals (139).

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

**Does Spectrum Financial Resources 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/127453

**Does Spectrum Financial Resources state an account minimum?**
Its Form ADV Part 2A brochure dated March 30, 2026 says: "SFR generally requires a minimum account size of $25,000 to open and maintain a portfolio management account. This account minimum may be reduced or waived in the sole discretion of SFR."

**What changed in Spectrum Financial Resources' recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $206,606,422 to $235,309,254 (+14%). Changed its office addresses in Grosse Pointe Farms, MI. Registered or notice-filed in NE.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Account minimum: $25,000 (the brochure says it may be waived or negotiated)

> SFR generally requires a minimum account size of $25,000 to open and maintain a portfolio management account. This account minimum may be reduced or waived in the sole discretion of SFR.

- Hourly rate: $75 an hour (consulting services)

> SFR’s consulting services are provided at the firm's hourly rate of $75. The consulting fee is payable at the conclusion of each session.

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.
- Pershing LLC

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: $235,309,254
- Discretionary: $87,490,851
- Non-discretionary: $147,818,403

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 584 | $143,683,750 |
| High net worth individuals | 139 | $91,527,567 |
| 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 | Fewer than 5 | $97,937 |
| 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
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2022 (4 years)
- Employees: 6 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI, NE, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Grosse Pointe Farms, MI
- St. Clair Shores, MI

### Websites listed on Form ADV (Item 1.I)
- spectrumfr.com
- Facebook @spectrumfr
- LinkedIn @spectrum-financial-resources-02239414a

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $178,125,773 | 7 | September 21, 2022 |
| October 2023 | $156,882,480 | 6 | March 28, 2023 |
| October 2024 | $197,393,287 | 6 | March 26, 2024 |
| October 2025 | $206,606,422 | 5 | April 21, 2025 |
| October 2026 | $235,309,254 | 6 | March 30, 2026 |

Regulatory assets under management: $178,125,773 in the October 2022 data and $235,309,254 in the October 2026 data, up 32%.
Total employees: 7 in October 2022 and 6 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $206,606,422 to $235,309,254 (+14%).
- Changed its office addresses in Grosse Pointe Farms, MI.
- Registered or notice-filed in NE.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Spectrum Financial Resources (CRD 127453): Form ADV filing data as of October 2026.