Nancy Howard
Spectrum Asset Management · Newport Beach, California
Nancy Howard is a fee-only financial advisor at Spectrum Asset Management in Newport Beach, California, who holds the CFP credential. Nancy focuses on retirement planning and tax planning. Spectrum Asset Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.
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Specialties
Who they serve
- Executives
- Retirees
- Mid-life transitions
Facts
| Firm | Spectrum Asset Management |
|---|---|
| Based in | Newport Beach, California |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Accepting new clients | Yes |
| Assets under management | $657.3M across 932 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA · CRD 1786676 |
| Firm size | 12 employees |
| Disclosures | None reported |
| Website | www.myspectrum.com |
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Questions about Nancy
Is Nancy Howard a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Nancy holds no broker registration, and Spectrum Asset Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Nancy charge for financial advice?
Nancy's firm, Spectrum Asset Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.
Where is Nancy Howard based?
Nancy Howard is based in Newport Beach, California.
What does Nancy specialize in?
Nancy's specialties include retirement planning and tax planning. Nancy works with executives, retirees and mid-life transitions.
What credentials does Nancy Howard hold?
Nancy Howard holds the CFP credential.
Is Nancy Howard registered with the SEC?
Yes. Nancy Howard is registered as an investment adviser representative in CA (CRD 1786676), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Spectrum Asset Management manage?
Spectrum Asset Management reports $657.3M across 932 accounts in assets under management.
How do I contact Nancy Howard?
Through Nancy's website, www.myspectrum.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Spectrum Asset Management website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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