Frequently Asked Questions
Who do you help?
Spectrum is a world-class provider of investment advisory services to the affluent and non-profit marketplace. Our clients are a diverse group of professionals and families. We help our clients gain clarity and confidence through every phase of life from retirement or selling a business to family wealth transfer.
Where are your clients located?
Many of our clients are located in Orange County, California but we have many long-standing relationships with clients who live throughout the U.S.
When was your firm founded?
Spectrum is a 2nd generation family firm, co-founded by “Kelly” Kelly and his son Marc Kelly in 1987. The youngest of the Kelly clan, Ryan Kelly began working with the firm in 1990 and has served as the CEO for the past 20 years.
How do we work together?
We create confidence in three easy steps.
Step 1: We Look at Your Long-Term Vision
Why? Because your retirement should serve what you want, not what an advisor wants. We can’t build a plan if we don’t know where you want to go.
Step 2: We Create a Financial Road Map
A financial roadmap is a financial plan that includes a Kolbe® and Money Max® survey, that provides a strong sense of how to work together with your unique personality, financial situation, and long-term goals.
Step 3: We Align Your Total Balance Sheet
Your balance sheet (liquid and illiquid) aligned with your core values creates clarity, confidence, and peace of mind. This allows us to serve you as a guide for our clients so they can live their dreams.
What types of services do you provide?
A. Strategic Services: The Values Filter Development Process, Exit Strategies, Creating your Ideal Calendar, Financial Road Map, Wealth Team Coordinator
B. Traditional Services: Total Balance Sheet Overview, Financial Planning, Investment Management, Investment Consulting, Portfolio Management
С. Strategic Partner Services: Basic & Advanced Estate Planning, Tax Planning, Advanced Insurance Design & Placement, Business Transfer, Risk Management
What role do you play in my professional team along with my CPA and Attorney?
We serve as a hub and collaborate with our client’s CPA’s and Attorneys to provide holistic solutions for client goals. We are the access and interpretive point for our clients to the financial world.
Why is the Kolbe index so important?
The Kolbe A Index measures your natural strengths and the instinctive ways you take action when you strive. It helps us gain a greater understanding of how our clients operate so we can serve and engage them in the most productive, and least stressful way. The Kolbe A results direct us toward more effective communication.
How often will we meet?
This depends on the individual client. We typically connect with clients quarterly, and tailor the frequency of meetings based on client needs. We are always available in person, by phone, e-mail or zoom if clients have a question or would like to meet at any time.
Do you have experience handling employee stock options?
Yes, Spectrum has been helping busy executives like yourself for over 30 years by providing clarity and peace of mind and helping preserve the wealth you have worked so hard to achieve. Employee stock options are a wonderful incentive but can also be confusing. We can help you create a detailed financial plan that outlines when to exercise and sell your options, as well as how to diversify your holdings to create the right balance between growth and downside protection according to your vision and values.
What will we talk about on our initial consultation call?
This 15 minute call is designed to quickly give us an understanding of your financial needs and how we can help. By focusing on your visions and values we will discuss important concepts like what financial and personal success looks like for you. Our total balance sheet approach provides a financial roadmap that will give you the confidence you need to make important decisions now and in the future.
About Spectrum Asset Management
Spectrum Asset Management provides comprehensive wealth management services to successful individuals and business owners. Instead of putting you on an assembly line in a financial planning factory, we take the time to understand your personality, your situation, and your ultimate goals. The result is a customized financial plan that helps you build your wealth, transfer your assets across generations, and invest in ways that align with your values.