Core Services

estate taxEstate Planning:

While the Federal Estate tax doesn’t loom as large as it has in the past, estate planning has never been more important.  State inheritance taxation, gifting to heirs, charitable bequests and transfer of business interests present planning opportunities and hurdles to our successful clients.  With over 30 years of experience working with wealthy clients and their advisors, Spectrum is uniquely positioned to address the most pressing issues facing our clients.  Further, our relationships in the legal, accounting and investment community enable our clients to reap the benefits of some of the best professional minds in the marketplace.


Business SuccessionBusiness Succession:

Ranging from the most basic of buy-sell agreements to complex stock sales, Spectrum is well positioned to counsel its clients.  Creative, tax compliant programs may be incorporated into such planning, which may allow for funding of succession plans with pre-tax dollars.  And, working extensively with closely held businesses for over 30 years, integrating the sale of these assets with family dynamics in mind is a cornerstone of Spectrum’s strategies.



Tax ManagementTax Management:

Whether it is Federal Estate Taxation, State Inheritance Taxation or income taxation, Spectrum has been at the forefront of estate and asset maximization since its inception.  In today’s world, it is not uncommon for marginal income tax rates to exceed 50%, when combining federal and state liabilities.

Accumulating and retaining wealth has not been as daunting a task in our lifetimes.  Professionals, like Spectrum Financial, have thorough knowledge of the Internal Revenue Code which allows its clients the ability to grow assets and fund retirement in the most tax efficient manner.


charityCharitable Planning:

Developing a legacy oftentimes is much more than how much we leave our heirs.  Most of our wealthy clients generously support philanthropic programs.  While writing a check outright to our favorite charity is the most direct and immediate method of support, Spectrum has spent years developing programs that realize clients charitable goals in the most efficient manner, which may result is greater long-term contribution to charity and enhanced distributable estate to heirs.




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