Spectrum Asset Management, Inc. is a second-generation family business that places tremendous value on honesty and candor. We're not afraid to speak up if we believe a particular decision seems out of context. An underlying philosophy of family flows through our company and drives the process we use to make decisions. Our stimulus to act in our clients' best interest is driven by a moral compass that is woven into the fabric and intellect of every member of our team.

WEALTH IS HIGHLY PERSONAL


PEOPLE CREATE WEALTH.  In fact, people make their best gut-level decisions when their values are used as a filter to view reality.  However traditional planning drills down the number without taking the HUMAN COMPONENT into consideration.

We think DIFFERENTLY

WHAT MAKES SPECTRUM DIFFERENT?

TOTAL BALANCE SHEET & VALUES FILTER (Effective Wealth Management)

What is DISCERNMENT-BASED PLANNING?  At Spectrum, we apply a different philosophy and methodology to planning. To discern means to achieve your own epiphanies. Discernment planning is based on the premise that self-made people possess the wisdom and decision making patterns to make a wise choice in any realm. They simply need to be stimulated with enough of the right questions to achieve their own true North in decision-making.

Our process begins with documenting your value system. Far from an ethereal conversation, we record the decision-making patterns and core character traits that have caused you to be more successful than the next guy. These values become a clear foundation for equivalent success in future choices.

THE VALUES FILTER

We created THE VALUES FILTER based on the philosophy that goals and objectives are guaranteed to change during our lifetimes. But a person's fundamental value system rarely changes.  Our process assists individuals in articulating their core value system. This becomes a filter through which we view all recommendations. Unlike traditional planning, The Values Filter is timeless and universal. It becomes a sounding board against which all future challenges and opportunities can be assessed.

NEWS & INSIGHTS

GENERAL

EXECUTIVES IN TRANSITION

WOMEN IN TRANSITION

PEOPLE WITH ACTIVE LIFESTYLES