Spectrum offers a broad range of additional financial planning services, including:

Cash Management

Spectrum works with each client to evaluate cash flow based on how income is currently being spent and then examines total income vs. total expenses including savings. We will use this information to make prudent recommendations regarding short-term and long-term financial goals including debt restructuring, budget planning and savings strategies.

Education Planning

Spectrum provides helpful guidance in planning for the future cost of education. We will help determine the inflation adjusted cost of college expenses and provide the client with various funding methods taking into consideration available assets, future savings, the availability of financial aid, and the impact of taxes on alternative funding approaches.

Comprehensive Financial Plan Development

Spectrum will prepare a complete financial plan that is designed to give clients an objective financial analysis and assessment designed to help them understand their current financial position and then work toward achieving their specific and long-term goals.

Please contact us for more information about these services.