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About Spectrum

Four Decades Of Excellence In Financial Guidance

Founded on June 13, 1986, Spectrum Financial Resources earned its name because we provide the full spectrum of financial advisory services our clients need to build secure, prosperous futures. Over our decades in business, we've built a team of financial professionals with diverse areas of experience, each bringing unique strengths to serve our clients' varied needs.

When you partner with one of our advisors, you benefit from our entire team offering more than 150 years of combined financial experience. Through our years of dedication to client-centered advising, we are able to offer you depth, knowledge, and understanding regarding your financial future. Whether it's building a complete retirement plan, assessing your investment portfolio based on your overall risk tolerance, establishing that your family is financially protected, or creating an estate plan, Spectrum Financial Resources has the team to help you meet your goals.

Our longevity in this industry isn't just a testament to our experience – it's proof of our commitment to building lasting relationships with our clients. We've guided families through multiple market cycles, life transitions, and economic changes, always with their best interests at heart.

meet the spectrum team

Daniel Hoban

Daniel Hoban

President

(248) 643-0033

Jean Schneider

Jean Schneider

Vice President

(248) 643-0033

Matt Nelson

Matt Nelson

Advisor Assistant

(248) 643-0033

Deanna Nelson

Deanna Nelson

Executive Assistant

(248) 643-0033

Allie Valitutti

Allie Valitutti

Administrative Assistant

(248) 643-0033

David Laidlaw

David Laidlaw

Financial Planner

(248) 643-0033

Ray DeMarti

Ray DeMarti

Financial Professional with United Planners

(313) 434-4202

Kevin McMillan

Kevin McMillan

Financial Planner

(313) 458-8973

James Williams

James Williams

Financial Planner

(586) 879-6755

Angela Elmore

Angela Elmore

Executive Assistant

(248) 643-0033

Lilly Payne

Lilly Payne

Administrative Assistant

(248) 643-0033

Lucian Harbar

Lucian Harbar

Financial Advisor

(586) 879-6755

A Look Into Our Process

We believe that effective financial planning follows a structured, thoughtful approach. Our process establishes that we fully understand your unique situation and goals before making any recommendations:

Step 1:
Gather Information

We begin by learning about you – your current financial situation, your concerns, your dreams, and your goals. This comprehensive discovery process includes understanding your assets, liabilities, income, expenses, risk tolerance, and time horizon. We also take time to understand your family dynamics, career plans, and personal values that will influence your financial decisions.

Step 2:
Understand Client Goals

Once we have a clear picture of your current situation, we work with you to identify and prioritize your financial goals. Whether you're planning for retirement, saving for your children's education, building wealth, or protecting your family's financial security, we understand not just what you want to achieve, but why these goals matter to you.

Step 3:
Evaluate

Using our team's collective experience and advanced planning tools, we analyze your current financial position relative to your goals. We identify potential obstacles, opportunities for improvement, and areas where adjustments might be needed. This evaluation considers various scenarios and potential changes in your life circumstances.

Step 4:
Discuss and Make Recommendations

We present our findings and recommendations in clear, understandable terms, explaining the reasoning behind each suggestion. We encourage questions and discussion, helping you to feel comfortable and confident with every aspect of your financial plan. Our recommendations are always tailored to your specific situation and goals, never generic solutions.

This collaborative process doesn't end with implementation – we continuously monitor your progress and adjust your plan as your life and goals evolve. At Spectrum Financial Resources, we're not just your financial advisors; we're your long-term partners in building the financial future you envision. We believe that effective financial planning follows a structured, thoughtful approach. Our process establishes that we fully understand your unique situation and goals before making any recommendations:

How We Transform Your Vision Into Reality

We help people make educated decisions to meet their financial goals. We act in the best interest of our clients, and we strive to develop trust in helping them navigate their financial journey. We specialize in helping our clients understand their financial choices and make the most of their monetary opportunities.

We believe that money represents more than just dollars and cents. Money represents the opportunity to spend more time with your family, to say "yes" to that once-in-a-lifetime vacation, and to live comfortably without financial stress. As your advisor, our priority is to understand your financial goals and create strategies aimed at pursuing your ambitions.

Our education-first approach establishes that you're never left wondering about the decisions we're making together. We take the time to explain complex financial concepts in clear, understandable terms, empowering you to make informed choices about your financial future with confidence.

Community Involvement

Community Involvement

We are active within many local charities, providing donations and volunteer support. Some of the charities we support include Forgotten Harvest, Macomb Oakland Guardianship Inc., Turning Point, the Stratford Festival, and the Macomb-Oakland Regional Center.

why choose spectrum financial?

Built on Trust. Focused on You.

We believe strong relationships are the foundation of effective financial planning. By taking the time to truly understand your goals, values, and concerns, we create personalized solutions that evolve with your life. Our approach is conversational and personalized. We never sit across a desk from clients because we believe in creating genuine relationships built on trust and understanding. 

ready to build your future?

Schedule an appointment with our experienced financial professionals to start building a roadmap towards financial security and prosperity for you and your loved ones.

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