SPECTRUM FINANCIAL INC

CRD 105618File 801-33311

APPROVED

Retail clients

Filing as of Mar 19, 2026

Feed vintage Aug 17, 2026

Regulatory AUM

$236.5M

Below cohort median (national)

Discretionary AUM

$236.5M

Clients

231

454 accounts

Employees

Below cohort median in VA

Identity & registration

ADV Item 1

Organization form: Corporation
Firm type: Registered
SEC region: PLRO
Registration date: Dec 30, 1988
Principal office: 272 BENDIX ROAD, STE 600, VIRGINIA BEACH, VA, 23452
Phone: 757-463-7600
Website: HTTPS://INVESTSPECTRUM.COM

Assets & accounts

ADV Item 5F

Total regulatory AUM: $236.5M
Discretionary AUM: $236.5M
Non-discretionary AUM: $0
Discretionary accounts: 454
Non-discretionary accounts: 0
Total accounts: 454
AUM per client: $1.0M

Clients by type

ADV Item 5D

Client type	Clients	AUM
Other	Fewer than 5	$4.9M
Investment companies	3	$192.5M
Charitable organizations	9	$2.7M
Pension and profit sharing plans	Fewer than 5	$1.9M
Individuals (other than high net worth individuals)	213	$34.4M

Compensation & activities

ADV Items 5E, 5G

Compensation

Other
Other (described) — SERVICE FEE/SUB ADVISORY FEE
A percentage of assets under your management

Advisory activities

Other advisory activities
Portfolio management for investment companies
Portfolio management for individuals and/or small businesses

Custody

ADV Item 9

Firm Custody Cash: No
Firm Custody Assets: No
Firm Custody Clients: No
Firm Custody Securities: No
Related Person Custody Cash: No
Related Person Custody Assets: No
Related Person Custody Clients: No
Related Person Custody Securities: No

Disclosure events

ADV Item 11

This firm answered no to every Item 11 disclosure question in this filing.

Filed changes

Date	Field	From	To
Aug 17, 2026	Clients	234	231
Aug 12, 2026	Registration	—	APPROVED

Every value above is reproduced from this firm's Form ADV filing. Fields the firm left blank are shown as “Not reported” rather than filled in from other sources.