SPECTRUM PLANNING & ADVISORY SERVICES INC.

Filed: 11/13/2025ACC: 0001951757-25-001413

📋 What this filing means

SPECTRUM PLANNING & ADVISORY SERVICES INC. filed this quarterly 13F‑HR report disclosing 105 equity positions with a total reported market value of $177.16M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

105

Positions

$177.16M

Total AUM (reported)

2.60M

Total Shares

Allocation by class

COM$19.99M11.3%

0-3 MNTH TREASRY$12.44M7.0%

ULTRA SHRT ETF$11.61M6.6%

ISHARES US EQUIT$9.01M5.1%

MSCI USA QLT FCT$8.17M4.6%

EAFE VALUE ETF$8.10M4.6%

S&P 500 GRWT ETF$7.56M4.3%

Portfolio Concentration

Top 3$33.06M18.7%

4–10$47.82M27.0%

11–25$48.31M27.3%

Rest$47.97M27.1%

Top 3 weight

18.7%

Top 10 weight

45.7%

Voting Authority Distribution

Total shares with voting rights: 2.60M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.60M

% of voting shares100.0%

Investment Discretion (by position count)

Sole105

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings105

Rows:

ISHARES TR

SOLE

0-3 MNTH TREASRY

Shares123.52K

TypeSH

Market value$12.44M

7.02%

Sole

0.00

Shared

0.00

None

123.52K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares228.84K

TypeSH

Market value$11.61M

6.55%

Sole

0.00

Shared

0.00

None

228.84K

BLACKROCK ETF TRUST

SOLE

ISHARES US EQUIT

Shares152.21K

TypeSH

Market value$9.01M

5.09%

Sole

0.00

Shared

0.00

None

152.21K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares42.03K

TypeSH

Market value$8.17M

4.61%

Sole

0.00

Shared

0.00

None

42.03K

ISHARES TR

SOLE

EAFE VALUE ETF

Shares119.40K

TypeSH

Market value$8.10M

4.57%

Sole

0.00

Shared

0.00

None

119.40K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares62.63K

TypeSH

Market value$7.56M

4.27%

Sole

0.00

Shared

0.00

None

62.63K

ISHARES INC

SOLE

CORE MSCI EMKT

Shares103.67K

TypeSH

Market value$6.83M

3.86%

Sole

0.00

Shared

0.00

None

103.67K

SPDR SERIES TRUST

SOLE

BLOOMBERG 1-3 MO

Shares63.65K

TypeSH

Market value$5.84M

3.30%

Sole

0.00

Shared

0.00

None

63.65K

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares73.61K

TypeSH

Market value$5.77M

3.26%

Sole

0.00

Shared

0.00

None

73.61K

BLACKROCK ETF TRUST

SOLE

ISHARES LARGE CA

Shares154.46K

TypeSH

Market value$5.54M

3.13%

Sole

0.00

Shared

0.00

None

154.46K

ISHARES TR

SOLE

S&P 100 ETF

Shares16.45K

TypeSH

Market value$5.48M

3.09%

Sole

0.00

Shared

0.00

None

16.45K

BLACKROCK ETF TRUST II

SOLE

ISHARES TOTAL RE

Shares107.29K

TypeSH

Market value$5.47M

3.09%

Sole

0.00

Shared

0.00

None

107.29K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares166.91K

TypeSH

Market value$3.92M

2.21%

Sole

0.00

Shared

0.00

None

166.91K

BLACKROCK ETF TRUST II

SOLE

ISHARES FLEXIBLE

Shares65.75K

TypeSH

Market value$3.50M

1.98%

Sole

0.00

Shared

0.00

None

65.75K

MICROSOFT CORP

SOLE

COM

Shares6.29K

TypeSH

Market value$3.26M

1.84%

Sole

0.00

Shared

0.00

None

6.29K

BLACKROCK ETF TRUST

SOLE

ISHARES A I INNO

Shares93.59K

TypeSH

Market value$3.20M

1.80%

Sole

0.00

Shared

0.00

None

93.59K

BLACKROCK ETF TRUST

SOLE

ISHARES U S INDU

Shares91.92K

TypeSH

Market value$2.91M

1.64%

Sole

0.00

Shared

0.00

None

91.92K

BLACKROCK ETF TRUST

SOLE

ISHARES US THEMA

Shares76.88K

TypeSH

Market value$2.91M

1.64%

Sole

0.00

Shared

0.00

None

76.88K

ISHARES TR

SOLE

CONV BD ETF

Shares27.97K

TypeSH

Market value$2.80M

1.58%

Sole

0.00

Shared

0.00

None

27.97K

SPDR SERIES TRUST

SOLE

PORT MTG BK ETF

Shares124.51K

TypeSH

Market value$2.79M

1.58%

Sole

0.00

Shared

0.00

None

124.51K

ISHARES TR

SOLE

10-20 YR TRS ETF

Shares25K

TypeSH

Market value$2.57M

1.45%

Sole

0.00

Shared

0.00

None

25K

AMAZON COM INC

SOLE

COM

Shares11.35K

TypeSH

Market value$2.49M

1.41%

Sole

0.00

Shared

0.00

None

11.35K

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares33.78K

TypeSH

Market value$2.46M

1.39%

Sole

0.00

Shared

0.00

None

33.78K

INVESCO EXCH TRADED FD TR II

SOLE

S&P 500 MOMNTM

Shares20.03K

TypeSH

Market value$2.42M

1.37%

Sole

0.00

Shared

0.00

None

20.03K

WOODWARD INC

SOLE

COM

Shares8.42K

TypeSH

Market value$2.13M

1.20%

Sole

0.00

Shared

0.00

None

8.42K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	0-3 MNTH TREASRY	123.52K	SH	$12.44M 7.02%	123.52K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	228.84K	SH	$11.61M 6.55%	228.84K
BLACKROCK ETF TRUSTSOLE	ISHARES US EQUIT	152.21K	SH	$9.01M 5.09%	152.21K
ISHARES TRSOLE	MSCI USA QLT FCT	42.03K	SH	$8.17M 4.61%	42.03K
ISHARES TRSOLE	EAFE VALUE ETF	119.40K	SH	$8.10M 4.57%	119.40K
ISHARES TRSOLE	S&P 500 GRWT ETF	62.63K	SH	$7.56M 4.27%	62.63K
ISHARES INCSOLE	CORE MSCI EMKT	103.67K	SH	$6.83M 3.86%	103.67K
SPDR SERIES TRUSTSOLE	BLOOMBERG 1-3 MO	63.65K	SH	$5.84M 3.30%	63.65K
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	73.61K	SH	$5.77M 3.26%	73.61K
BLACKROCK ETF TRUSTSOLE	ISHARES LARGE CA	154.46K	SH	$5.54M 3.13%	154.46K
ISHARES TRSOLE	S&P 100 ETF	16.45K	SH	$5.48M 3.09%	16.45K
BLACKROCK ETF TRUST IISOLE	ISHARES TOTAL RE	107.29K	SH	$5.47M 3.09%	107.29K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	166.91K	SH	$3.92M 2.21%	166.91K
BLACKROCK ETF TRUST IISOLE	ISHARES FLEXIBLE	65.75K	SH	$3.50M 1.98%	65.75K
MICROSOFT CORPSOLE	COM	6.29K	SH	$3.26M 1.84%	6.29K
BLACKROCK ETF TRUSTSOLE	ISHARES A I INNO	93.59K	SH	$3.20M 1.80%	93.59K
BLACKROCK ETF TRUSTSOLE	ISHARES U S INDU	91.92K	SH	$2.91M 1.64%	91.92K
BLACKROCK ETF TRUSTSOLE	ISHARES US THEMA	76.88K	SH	$2.91M 1.64%	76.88K
ISHARES TRSOLE	CONV BD ETF	27.97K	SH	$2.80M 1.58%	27.97K
SPDR SERIES TRUSTSOLE	PORT MTG BK ETF	124.51K	SH	$2.79M 1.58%	124.51K
ISHARES TRSOLE	10-20 YR TRS ETF	25K	SH	$2.57M 1.45%	25K
AMAZON COM INCSOLE	COM	11.35K	SH	$2.49M 1.41%	11.35K
ISHARES GOLD TRSOLE	ISHARES NEW	33.78K	SH	$2.46M 1.39%	33.78K
INVESCO EXCH TRADED FD TR IISOLE	S&P 500 MOMNTM	20.03K	SH	$2.42M 1.37%	20.03K
WOODWARD INCSOLE	COM	8.42K	SH	$2.13M 1.20%	8.42K

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