# Karina Kingman

> Karina Kingman is a fee-only financial advisor at Spectrum Advisors in Plano, Texas. Karina focuses on retirement planning, family wealth transfer and pension planning. Spectrum Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/karina-kingman/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Spectrum Advisors
- **Based in:** Plano, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $160M across 890 accounts
- **Specialties:** Retirement planning, Family wealth transfer, Pension planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 6461115 (https://adviserinfo.sec.gov/individual/summary/6461115)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2023)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** http://www.spectrumadvisors.net

## Frequently asked questions

### Is Karina Kingman a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Karina holds no broker registration, and Spectrum Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Karina charge for financial advice?

Karina's firm, Spectrum Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Karina Kingman based?

Karina Kingman is based in Plano, Texas.

### What does Karina specialize in?

Karina's specialties include retirement planning, family wealth transfer and pension planning. Karina works with retirees and pre-retirees.

### Is Karina Kingman registered with the SEC?

Yes. Karina Kingman is registered as an investment adviser representative in TX (CRD 6461115), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Spectrum Advisors manage?

Spectrum Advisors reports $160M across 890 accounts in assets under management.

### How do I contact Karina Kingman?

Through Karina's website, www.spectrumadvisors.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6461115): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://spectrumadvisors.net/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.