Firm
Spectrum Financial Management
San Rafael, California
Fee-only
Spectrum Financial Management at a glance
- One of 1,191 fee-only firms based in California in the Wellspent graph.
- 2 advisors are listed here; all hold the CFP.
- Its Form ADV reports 4 employees and 150 individual clients, 93 of them high net worth.
- Its average account is about $1.9 million (assets it manages divided by its 150 accounts).
Fee-only advisors in California · What fee-only advisors charge in California
Facts
| Based in | San Rafael, California |
|---|---|
| Website | spectrumfinancialmgmt.com |
| [email protected] | |
| Phone | (415) 472-7300 |
Spectrum Financial Management fees
What the firm's own website says it charges, checked October 30, 2026. We keep a price only when the exact words stating it appear on the page.
| Asset-based fee | 1% a year on the first tier of assets |
|---|---|
| Account minimum | $1,000,000 |
| How it charges | Percentage of assets |
In the firm's words
"On assets valued up to $1 million 1.00%" source
"*Minimum Account Size: $1,000,000" source
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Percentage of assets · Fixed fees |
|---|---|
| Assets managed | $278 million |
| Individual clients | 57 |
| High-net-worth clients | 93 |
| Accounts managed | 150 |
| Employees | 4 |
| Planning clients | 1-10 |
| Registered with | The SEC (801-62255) |
| Financial planning | Offered |
| Form ADV filed | March 27, 2026 |
| SEC record | CRD 127746 |