Full Service means you have access to professionals who can recommend a range of choices that are suitable for your particular needs. We are not a discount brokerage house that only offers low cost trade execution and no guidance, recommendations or advice. With  Spectrum Select Investment Services, you will not be on your own when selecting the products and services you need to pursue your goals. Whether it’s stocks, bonds or mutual funds, life insurance, annuities or retirement plans, we understand that both the product and the guidance are important.

 

 

Research is critical in the decision making process because it helps build your knowledge and understanding of what is happening in the economy and in the markets. Being informed means you can make decisions you feel confident about and adjustments along the way that make sense with your plan. We offer access to reliable third party research as well as research through PrimeVest Financial Services. This research focuses on the individual investor. We bring research to you that once was only available to Wall Street institutions and clients. The Learning Center and Market Watch links on this site are just the beginning of what we have available to you.

 

 

Spectrum Select Investment Services offers fixed rate annuities through many insurance providers unlike a captive insurance agent that only offers the products of their company. This means more flexibility for you with your portfolio. Plus, you can be comfortable in knowing that when you work with a financial professional, you will be informed of all aspects of the annuity product up front including bonus rates, surrender charges and penalties if applicable. We have no quotas for selling proprietary products and we only offer annuities from strong, reputable companies. We choose our providers carefully because we understand that the annuity is backed by the financial strength of the underlying insurance company.

 

There is a surrender charge imposed generally during the first 5-7 years that you own the contract. Withdrawals prior to age 59 1/2 may result in a 10% penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company.

 

 

 

When selecting a company to work with in your efforts to set up or convert your business retirement plan, choosing Spectrum Select Investment Services can be provide support and guidance in making the right selection of plan design and product selection.

 

We have experience in set-up, conversion and follow-up servicing so you can manage your business rather than needing to become a retirement plan expert. We focus on providing services to small companies with 1 to 200 employees and ensuring that you and your employees understand the retirement program and benefits of it. On-site information seminars and group meetings are available for your employees through the entire set-up and transition process. Offering a strong retirement plan can be one of your best business decisions. Let us help you make the most informed decisions about that plan.