FAQs

• What does Spellman Capital Strategies do?

  Spellman Capital Strategies provides financial planning and investment advisory services designed to help individuals, families, and business owners make informed decisions around taxes, investments, retirement, and long-term financial planning. Services are delivered through a personalized, goals-based planning process.

• Who does Spellman Capital Strategies work with?

  Spellman Capital Strategies primarily works with:

  • Pre-retirees and retirees
  • Business owners
  • Highly compensated professionals
  • Individuals and families with complex tax or planning needs

  Each client relationship is evaluated individually to determine whether services are appropriate.

• What types of financial planning services are offered?

  Services may include:

  • Retirement income planning
  • Investment strategy design and portfolio management
  • Tax-aware planning strategies
  • Capital gain planning considerations
  • Business succession and transition planning
  • Coordination with estate and tax professionals

  Not all services are appropriate for every client.

• Does Spellman Capital Strategies provide tax or legal advice?

  No. Spellman Capital Strategies does not provide tax or legal advice. Any tax-related or legal discussions are educational in nature and intended to support coordination with a client’s qualified tax advisor or attorney.

• How does Spellman Capital Strategies help with tax planning?

  Spellman Capital Strategies helps clients understand how taxes may impact financial decisions by evaluating investment structure, timing, and planning strategies. Recommendations are provided in coordination with a client’s tax professional and are subject to applicable laws and regulations.

• How is Spellman Capital Strategies compensated?

  Compensation depends on the services provided and may include:

  • Asset-based advisory fees
  • Flat or project-based planning fees

  All fees are disclosed in advance and documented in client agreements.

• Is there a minimum investment requirement?

  There is no universal minimum investment requirement. However, certain services may have practical minimums based on complexity, custodial requirements, or planning scope. Suitability is reviewed on a case-by-case basis.

• Where are client assets held?

  Client assets are held with an independent third-party custodian. Spellman Capital Strategies does not take direct custody of client funds or securities. Clients receive statements directly from the custodian.

• How often will my financial plan be reviewed?

  Review frequency depends on the client relationship and planning needs. Reviews typically occur:

  • Annually
  • Semi-annually
  • Or as major life or financial changes occur

  Additional reviews may be scheduled as needed.

• How does Spellman Capital Strategies communicate with clients?

  Communication may include:

  • Scheduled review meetings
  • Secure electronic communication
  • Phone or virtual meetings
  • Educational updates related to planning topics

  Communication methods are established at the start of the relationship.

• Is Spellman Capital Strategies a fiduciary?

  Spellman Capital Strategies provides advisory services in a fiduciary capacity when acting as an investment adviser, meaning advice is provided in the client’s best interest, consistent with applicable laws and regulations.

• Does Spellman Capital Strategies work with other professionals?

  Yes. With client permission, Spellman Capital Strategies may coordinate with:

  • Certified Public Accountants (CPAs)
  • Estate planning attorneys
  • Insurance professionals

  This coordination is intended to support comprehensive financial planning.

• Is my personal information kept confidential?

  Yes. Spellman Capital Strategies maintains policies and procedures designed to protect client information. A full privacy policy is available on the website and upon request.

• Where can I find regulatory disclosures?

  Regulatory disclosures, including Form ADV and Form CRS (as applicable), are available upon request and through required regulatory databases. Website content is for informational purposes only.

Disclosure:

This website and its contents are for informational and educational purposes only and do not constitute investment, tax, or legal advice. Advisory services are offered through properly registered entities. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.