# EDGAR Filing Document

**Accession Number:** 0001725394
**File Stem:** 0001951757-26-000414
**Filing Date:** 2026-2
**Character Count:** 14996
**Document Hash:** e641877ac42f5fb149b5ad428ff78145
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000414.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001951757-26-000414

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**EFFECTIVENESS DATE**: 20260210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Spectrum Planning & Advisory Services Inc.
- **CENTRAL INDEX KEY:** 0001725394

**ORGANIZATION NAME:**
- **EIN:** 464452353
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20527
- **FILM NUMBER:** 26617148

**BUSINESS ADDRESS:**
- **STREET 1:** 3131 CAMINO DEL RIO NORTH
- **STREET 2:** SUITE 1000
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108
- **BUSINESS PHONE:** 6192899670

**MAIL ADDRESS:**
- **STREET 1:** 3131 CAMINO DEL RIO NORTH
- **STREET 2:** SUITE 1000
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Spectrum Planning  Advisory Services Inc.<br>**Address:** 3131 CAMINO DEL RIO NORTH<br>SUITE 1000<br>SAN DIEGO, CA 92108

**Form 13F File Number:** 028-20527

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Brentt Hoover<br>**Title:** Chief Compliance Officer<br>**Phone:** (619) 289-9670

**Signature, Place, and Date of Signing:**

Brentt Hoover  San Diego, CA  02-10-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 113

**Form 13F Information Table Value Total:** $194405951

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| DISNEY WALT CO | COM | 254687106 |  | 243900 | 2144 | SH |  | SOLE |  | 0 | 0 | 2144 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 739671 | 841 | SH |  | SOLE |  | 0 | 0 | 841 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 614978 | 5398 | SH |  | SOLE |  | 0 | 0 | 5398 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 339393 | 13633 | SH |  | SOLE |  | 0 | 0 | 13633 |
| ISHARES TR | ESG ADVANCED UNI | 46436E619 |  | 217486 | 4953 | SH |  | SOLE |  | 0 | 0 | 4953 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 8371730 | 67919 | SH |  | SOLE |  | 0 | 0 | 67919 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A383 |  | 2763302 | 123279 | SH |  | SOLE |  | 0 | 0 | 123279 |
| CATERPILLAR INC | COM | 149123101 |  | 488619 | 853 | SH |  | SOLE |  | 0 | 0 | 853 |
| APPLE INC | COM | 037833100 |  | 1451071 | 5338 | SH |  | SOLE |  | 0 | 0 | 5338 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 8174832 | 121613 | SH |  | SOLE |  | 0 | 0 | 121613 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 608464 | 10264 | SH |  | SOLE |  | 0 | 0 | 10264 |
| BANK AMERICA CORP | COM | 060505104 |  | 204538 | 3719 | SH |  | SOLE |  | 0 | 0 | 3719 |
| HONEYWELL INTL INC | COM | 438516106 |  | 248882 | 1276 | SH |  | SOLE |  | 0 | 0 | 1276 |
| ISHARES TR | SYSTEMATIC BD ET | 46435U796 |  | 240916 | 2684 | SH |  | SOLE |  | 0 | 0 | 2684 |
| BITWISE ETHEREUM ETF | SHS | 091955104 |  | 241776 | 11367 | SH |  | SOLE |  | 0 | 0 | 11367 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 349906 | 848 | SH |  | SOLE |  | 0 | 0 | 848 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 292785 | 988 | SH |  | SOLE |  | 0 | 0 | 988 |
| META PLATFORMS INC | CL A | 30303M102 |  | 579730 | 878 | SH |  | SOLE |  | 0 | 0 | 878 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 3773063 | 31621 | SH |  | SOLE |  | 0 | 0 | 31621 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 234349 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| BLACKROCK ETF TRUST II | ISHARES TOTAL RE | 092528876 |  | 5023745 | 98942 | SH |  | SOLE |  | 0 | 0 | 98942 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 3267511 | 98123 | SH |  | SOLE |  | 0 | 0 | 98123 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 3029281 | 78560 | SH |  | SOLE |  | 0 | 0 | 78560 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 362462 | 7735 | SH |  | SOLE |  | 0 | 0 | 7735 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 482426 | 20630 | SH |  | SOLE |  | 0 | 0 | 20630 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 7615056 | 106639 | SH |  | SOLE |  | 0 | 0 | 106639 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 626263 | 13379 | SH |  | SOLE |  | 0 | 0 | 13379 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 489362 | 5706 | SH |  | SOLE |  | 0 | 0 | 5706 |
| ISHARES TR | CORE S ETF | 464287200 |  | 229012 | 334 | SH |  | SOLE |  | 0 | 0 | 334 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 712887 | 16052 | SH |  | SOLE |  | 0 | 0 | 16052 |
| BLACKROCK ETF TRUST | ISHARES U S INDU | 09290C830 |  | 2958890 | 91977 | SH |  | SOLE |  | 0 | 0 | 91977 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 2869034 | 29127 | SH |  | SOLE |  | 0 | 0 | 29127 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 605324 | 14635 | SH |  | SOLE |  | 0 | 0 | 14635 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 366825 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 278226 | 889 | SH |  | SOLE |  | 0 | 0 | 889 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 |  | 310468 | 4590 | SH |  | SOLE |  | 0 | 0 | 4590 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 448328 | 3480 | SH |  | SOLE |  | 0 | 0 | 3480 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3403916 | 64505 | SH |  | SOLE |  | 0 | 0 | 64505 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1473976 | 7903 | SH |  | SOLE |  | 0 | 0 | 7903 |
| ISHARES TR | MBS ETF | 464288588 |  | 699341 | 7344 | SH |  | SOLE |  | 0 | 0 | 7344 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1910963 | 18796 | SH |  | SOLE |  | 0 | 0 | 18796 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 308968 | 1065 | SH |  | SOLE |  | 0 | 0 | 1065 |
| VISA INC | COM CL A | 92826C839 |  | 653818 | 1864 | SH |  | SOLE |  | 0 | 0 | 1864 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 201955 | 2687 | SH |  | SOLE |  | 0 | 0 | 2687 |
| WOODWARD INC | COM | 980745103 |  | 2544930 | 8418 | SH |  | SOLE |  | 0 | 0 | 8418 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 15087561 | 165108 | SH |  | SOLE |  | 0 | 0 | 165108 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1417168 | 19499 | SH |  | SOLE |  | 0 | 0 | 19499 |
| HOME DEPOT INC | COM | 437076102 |  | 460114 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 1263433 | 32026 | SH |  | SOLE |  | 0 | 0 | 32026 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 12793081 | 252878 | SH |  | SOLE |  | 0 | 0 | 252878 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 582900 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 412748 | 8180 | SH |  | SOLE |  | 0 | 0 | 8180 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 284231 | 906 | SH |  | SOLE |  | 0 | 0 | 906 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 451744 | 735 | SH |  | SOLE |  | 0 | 0 | 735 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C871 |  | 7981498 | 213866 | SH |  | SOLE |  | 0 | 0 | 213866 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 1535329 | 23697 | SH |  | SOLE |  | 0 | 0 | 23697 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 782658 | 1248 | SH |  | SOLE |  | 0 | 0 | 1248 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 734842 | 13896 | SH |  | SOLE |  | 0 | 0 | 13896 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 952321 | 16215 | SH |  | SOLE |  | 0 | 0 | 16215 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2093035 | 4164 | SH |  | SOLE |  | 0 | 0 | 4164 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 354852 | 2382 | SH |  | SOLE |  | 0 | 0 | 2382 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 396529 | 1072 | SH |  | SOLE |  | 0 | 0 | 1072 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 654554 | 7903 | SH |  | SOLE |  | 0 | 0 | 7903 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 365064 | 15855 | SH |  | SOLE |  | 0 | 0 | 15855 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 812712 | 4070 | SH |  | SOLE |  | 0 | 0 | 4070 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 681821 | 10584 | SH |  | SOLE |  | 0 | 0 | 10584 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 342968 | 1058 | SH |  | SOLE |  | 0 | 0 | 1058 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 543209 | 6363 | SH |  | SOLE |  | 0 | 0 | 6363 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 345041 | 1029 | SH |  | SOLE |  | 0 | 0 | 1029 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 9311126 | 153118 | SH |  | SOLE |  | 0 | 0 | 153118 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 391548 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| SALESFORCE INC | COM | 79466L302 |  | 450809 | 1702 | SH |  | SOLE |  | 0 | 0 | 1702 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 270242 | 6515 | SH |  | SOLE |  | 0 | 0 | 6515 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 5758103 | 71779 | SH |  | SOLE |  | 0 | 0 | 71779 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3681415 | 157527 | SH |  | SOLE |  | 0 | 0 | 157527 |
| MCDONALDS CORP | COM | 580135101 |  | 373542 | 1222 | SH |  | SOLE |  | 0 | 0 | 1222 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 414000 | 7190 | SH |  | SOLE |  | 0 | 0 | 7190 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 263188 | 1272 | SH |  | SOLE |  | 0 | 0 | 1272 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 1615714 | 34717 | SH |  | SOLE |  | 0 | 0 | 34717 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 430028 | 8987 | SH |  | SOLE |  | 0 | 0 | 8987 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 249174 | 1739 | SH |  | SOLE |  | 0 | 0 | 1739 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 1332128 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| ELI LILLY  CO | COM | 532457108 |  | 251820 | 234 | SH |  | SOLE |  | 0 | 0 | 234 |
| MICROSOFT CORP | COM | 594918104 |  | 3048056 | 6303 | SH |  | SOLE |  | 0 | 0 | 6303 |
| BUTTERFLY NETWORK INC | COM CL A | 124155102 |  | 89946 | 23670 | SH |  | SOLE |  | 0 | 0 | 23670 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1603253 | 33180 | SH |  | SOLE |  | 0 | 0 | 33180 |
| AMAZON COM INC | COM | 023135106 |  | 2650506 | 11483 | SH |  | SOLE |  | 0 | 0 | 11483 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 423314 | 881 | SH |  | SOLE |  | 0 | 0 | 881 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 281734 | 1585 | SH |  | SOLE |  | 0 | 0 | 1585 |
| TESLA INC | COM | 88160R101 |  | 519427 | 1155 | SH |  | SOLE |  | 0 | 0 | 1155 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 703356 | 10289 | SH |  | SOLE |  | 0 | 0 | 10289 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 956367 | 32663 | SH |  | SOLE |  | 0 | 0 | 32663 |
| AMGEN INC | COM | 031162100 |  | 324243 | 991 | SH |  | SOLE |  | 0 | 0 | 991 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 614259 | 13290 | SH |  | SOLE |  | 0 | 0 | 13290 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 659557 | 8902 | SH |  | SOLE |  | 0 | 0 | 8902 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 945122 | 4457 | SH |  | SOLE |  | 0 | 0 | 4457 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 265300 | 4581 | SH |  | SOLE |  | 0 | 0 | 4581 |
| MERCK  CO INC | COM | 58933Y105 |  | 238591 | 2267 | SH |  | SOLE |  | 0 | 0 | 2267 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1298446 | 13486 | SH |  | SOLE |  | 0 | 0 | 13486 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 344306 | 1069 | SH |  | SOLE |  | 0 | 0 | 1069 |
| ISHARES TR | S 100 ETF | 464287101 |  | 5767294 | 16816 | SH |  | SOLE |  | 0 | 0 | 16816 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 2312989 | 26537 | SH |  | SOLE |  | 0 | 0 | 26537 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2551904 | 31439 | SH |  | SOLE |  | 0 | 0 | 31439 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 400081 | 5304 | SH |  | SOLE |  | 0 | 0 | 5304 |
| GE AEROSPACE | COM NEW | 369604301 |  | 234486 | 761 | SH |  | SOLE |  | 0 | 0 | 761 |
| SSGA ACTIVE TR | STATE STREET US | 78470P408 |  | 973264 | 15620 | SH |  | SOLE |  | 0 | 0 | 15620 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 13097958 | 130484 | SH |  | SOLE |  | 0 | 0 | 130484 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 205965 | 4663 | SH |  | SOLE |  | 0 | 0 | 4663 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 5254658 | 26456 | SH |  | SOLE |  | 0 | 0 | 26456 |
| GRAYSCALE ETHEREUM MINI TR E | SHS NEW | 38964R203 |  | 271873 | 9689 | SH |  | SOLE |  | 0 | 0 | 9689 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 359088 | 527 | SH |  | SOLE |  | 0 | 0 | 527 |
| ISHARES U S ETF TR | INT RT HDG C B | 46431W705 |  | 462119 | 4950 | SH |  | SOLE |  | 0 | 0 | 4950 |
| BOEING CO | COM | 097023105 |  | 373881 | 1722 | SH |  | SOLE |  | 0 | 0 | 1722 |

---