About Spectrum Financial Incorporated With so many different avenues available for financial advice, instead of just listing our services here (which will sound very similar to other firms), we want to simply summarize the features which we believe distinguishes our firm. Four Primary Reasons to Choose Spectrum Financial: Independent and Predominately Fee-Only – The most client-focused and transparent business model available. Technology and Communication – Proactive, relevant and frequent – so clients always feel connected and informed. Client Service – We want to exceed expectations. Investment Philosophy – Logical, organized, and flexible - using both internal and external expertise.