# EDGAR Filing Document

**Accession Number:** 0001725394
**File Stem:** 0001951757-26-000622
**Filing Date:** 2026-4
**Character Count:** 15170
**Document Hash:** 3db45593db9eb46399459c48cadc04ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000622.hdr.sgml**: 20260416

**ACCESSION NUMBER**: 0001951757-26-000622

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260416

**DATE AS OF CHANGE**: 20260416

**EFFECTIVENESS DATE**: 20260416

**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:** 26868226

**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:** 03-31-2026

**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  04-16-2026<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:** 114

**Form 13F Information Table Value Total:** $202065087

      (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 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 472020 | 1744 | SH |  | SOLE |  | 0 | 0 | 1744 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 4953496 | 25825 | SH |  | SOLE |  | 0 | 0 | 25825 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 343067 | 528 | SH |  | SOLE |  | 0 | 0 | 528 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 315496 | 1291 | SH |  | SOLE |  | 0 | 0 | 1291 |
| ISHARES TR | ESG ADVANCED UNI | 46436E619 |  | 208800 | 4800 | SH |  | SOLE |  | 0 | 0 | 4800 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C616 |  | 7447252 | 206208 | SH |  | SOLE |  | 0 | 0 | 206208 |
| GE AEROSPACE | COM NEW | 369604301 |  | 216285 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 267311 | 5280 | SH |  | SOLE |  | 0 | 0 | 5280 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1050996 | 6026 | SH |  | SOLE |  | 0 | 0 | 6026 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 |  | 383758 | 5359 | SH |  | SOLE |  | 0 | 0 | 5359 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 5731064 | 74877 | SH |  | SOLE |  | 0 | 0 | 74877 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 12328763 | 122479 | SH |  | SOLE |  | 0 | 0 | 122479 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1155333 | 14688 | SH |  | SOLE |  | 0 | 0 | 14688 |
| AMGEN INC | COM | 031162100 |  | 322431 | 916 | SH |  | SOLE |  | 0 | 0 | 916 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 5377098 | 72321 | SH |  | SOLE |  | 0 | 0 | 72321 |
| ISHARES TR | MBS ETF | 464288588 |  | 649340 | 6839 | SH |  | SOLE |  | 0 | 0 | 6839 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 376464 | 6820 | SH |  | SOLE |  | 0 | 0 | 6820 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 243496 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| CHEVRON CORPORATION | COM | 166764100 |  | 255780 | 1236 | SH |  | SOLE |  | 0 | 0 | 1236 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 271464 | 4584 | SH |  | SOLE |  | 0 | 0 | 4584 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 306556 | 8650 | SH |  | SOLE |  | 0 | 0 | 8650 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 638727 | 6891 | SH |  | SOLE |  | 0 | 0 | 6891 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 2820643 | 27710 | SH |  | SOLE |  | 0 | 0 | 27710 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 558852 | 16529 | SH |  | SOLE |  | 0 | 0 | 16529 |
| CATERPILLAR INC | COM | 149123101 |  | 578404 | 816 | SH |  | SOLE |  | 0 | 0 | 816 |
| HOME DEPOT INC | COM | 437076102 |  | 427674 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 406400 | 408 | SH |  | SOLE |  | 0 | 0 | 408 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 424885 | 736 | SH |  | SOLE |  | 0 | 0 | 736 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 1532981 | 33189 | SH |  | SOLE |  | 0 | 0 | 33189 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 745742 | 1248 | SH |  | SOLE |  | 0 | 0 | 1248 |
| ISHARES TR | SYSTEMATIC BD ET | 46435U796 |  | 295302 | 3318 | SH |  | SOLE |  | 0 | 0 | 3318 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 452597 | 19561 | SH |  | SOLE |  | 0 | 0 | 19561 |
| ISHARES TR | S 100 ETF | 464287101 |  | 5169113 | 16251 | SH |  | SOLE |  | 0 | 0 | 16251 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 2475433 | 34944 | SH |  | SOLE |  | 0 | 0 | 34944 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 627125 | 13675 | SH |  | SOLE |  | 0 | 0 | 13675 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 627601 | 13379 | SH |  | SOLE |  | 0 | 0 | 13379 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 211750 | 7257 | SH |  | SOLE |  | 0 | 0 | 7257 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 409215 | 8606 | SH |  | SOLE |  | 0 | 0 | 8606 |
| BLACKROCK ETF TRUST | ISHARES INTL CTR | 09290C764 |  | 7599329 | 236349 | SH |  | SOLE |  | 0 | 0 | 236349 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 259989 | 906 | SH |  | SOLE |  | 0 | 0 | 906 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1105262 | 12537 | SH |  | SOLE |  | 0 | 0 | 12537 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 1592011 | 37406 | SH |  | SOLE |  | 0 | 0 | 37406 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 7070516 | 142021 | SH |  | SOLE |  | 0 | 0 | 142021 |
| SALESFORCE INC | COM | 79466L302 |  | 311980 | 1671 | SH |  | SOLE |  | 0 | 0 | 1671 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 503972 | 9239 | SH |  | SOLE |  | 0 | 0 | 9239 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 14291999 | 155958 | SH |  | SOLE |  | 0 | 0 | 155958 |
| DISNEY WALT CO | COM | 254687106 |  | 207727 | 2155 | SH |  | SOLE |  | 0 | 0 | 2155 |
| BLACKROCK ETF TRUST II | ISHARES TOTAL RE | 092528876 |  | 4844219 | 96518 | SH |  | SOLE |  | 0 | 0 | 96518 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 2901554 | 55874 | SH |  | SOLE |  | 0 | 0 | 55874 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 618122 | 14546 | SH |  | SOLE |  | 0 | 0 | 14546 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 3068838 | 35400 | SH |  | SOLE |  | 0 | 0 | 35400 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 5799776 | 83151 | SH |  | SOLE |  | 0 | 0 | 83151 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 251772 | 1039 | SH |  | SOLE |  | 0 | 0 | 1039 |
| SSGA ACTIVE TR | STATE STREET US | 78470P408 |  | 902104 | 15624 | SH |  | SOLE |  | 0 | 0 | 15624 |
| AMAZON COM INC | COM | 023135106 |  | 2571301 | 12346 | SH |  | SOLE |  | 0 | 0 | 12346 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 3311765 | 144555 | SH |  | SOLE |  | 0 | 0 | 144555 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 540737 | 10249 | SH |  | SOLE |  | 0 | 0 | 10249 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 3779766 | 33715 | SH |  | SOLE |  | 0 | 0 | 33715 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 312373 | 1071 | SH |  | SOLE |  | 0 | 0 | 1071 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C855 |  | 2244873 | 54673 | SH |  | SOLE |  | 0 | 0 | 54673 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 245147 | 1697 | SH |  | SOLE |  | 0 | 0 | 1697 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 308593 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 219464 | 671 | SH |  | SOLE |  | 0 | 0 | 671 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 901918 | 4271 | SH |  | SOLE |  | 0 | 0 | 4271 |
| BITWISE ETHEREUM ETF | SHS | 091955104 |  | 170505 | 11367 | SH |  | SOLE |  | 0 | 0 | 11367 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 474790 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 397382 | 3279 | SH |  | SOLE |  | 0 | 0 | 3279 |
| META PLATFORMS INC | CL A | 30303M102 |  | 501147 | 876 | SH |  | SOLE |  | 0 | 0 | 876 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 547478 | 11189 | SH |  | SOLE |  | 0 | 0 | 11189 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 350005 | 1190 | SH |  | SOLE |  | 0 | 0 | 1190 |
| BUTTERFLY NETWORK INC | COM CL A | 124155102 |  | 95627 | 23670 | SH |  | SOLE |  | 0 | 0 | 23670 |
| APPLE INC | COM | 037833100 |  | 1330376 | 5242 | SH |  | SOLE |  | 0 | 0 | 5242 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2084041 | 4349 | SH |  | SOLE |  | 0 | 0 | 4349 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 231854 | 1585 | SH |  | SOLE |  | 0 | 0 | 1585 |
| ELI LILLY  CO | COM | 532457108 |  | 215838 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 277222 | 5477 | SH |  | SOLE |  | 0 | 0 | 5477 |
| TESLA INC | COM | 88160R101 |  | 428256 | 1152 | SH |  | SOLE |  | 0 | 0 | 1152 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3499127 | 150695 | SH |  | SOLE |  | 0 | 0 | 150695 |
| MERCK  CO INC | COM | 58933Y105 |  | 241451 | 2007 | SH |  | SOLE |  | 0 | 0 | 2007 |
| ISHARES TR | CORE S ETF | 464287200 |  | 204251 | 313 | SH |  | SOLE |  | 0 | 0 | 313 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 7677307 | 131958 | SH |  | SOLE |  | 0 | 0 | 131958 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2175167 | 45269 | SH |  | SOLE |  | 0 | 0 | 45269 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 754339 | 16524 | SH |  | SOLE |  | 0 | 0 | 16524 |
| WOODWARD INC | COM | 980745103 |  | 3012971 | 8418 | SH |  | SOLE |  | 0 | 0 | 8418 |
| BLACKROCK ETF TRUST | ISHARES U S INDU | 09290C830 |  | 390208 | 12711 | SH |  | SOLE |  | 0 | 0 | 12711 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 3432619 | 104177 | SH |  | SOLE |  | 0 | 0 | 104177 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 11122246 | 219764 | SH |  | SOLE |  | 0 | 0 | 219764 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 360563 | 7462 | SH |  | SOLE |  | 0 | 0 | 7462 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 210156 | 3590 | SH |  | SOLE |  | 0 | 0 | 3590 |
| MCDONALDS CORP | COM | 580135101 |  | 382630 | 1231 | SH |  | SOLE |  | 0 | 0 | 1231 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A383 |  | 2875421 | 128424 | SH |  | SOLE |  | 0 | 0 | 128424 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 311676 | 848 | SH |  | SOLE |  | 0 | 0 | 848 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 318882 | 2255 | SH |  | SOLE |  | 0 | 0 | 2255 |
| VISA INC | COM CL A | 92826C839 |  | 572950 | 1896 | SH |  | SOLE |  | 0 | 0 | 1896 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 255752 | 889 | SH |  | SOLE |  | 0 | 0 | 889 |
| BLACKROCK ETF TRUST II | ISHARES AAA CLO | 092528504 |  | 262285 | 5060 | SH |  | SOLE |  | 0 | 0 | 5060 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 2981998 | 82330 | SH |  | SOLE |  | 0 | 0 | 82330 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 7914536 | 69972 | SH |  | SOLE |  | 0 | 0 | 69972 |
| BLACKROCK ETF TRUST | ISHARES ENHANCED | 09290C822 |  | 364893 | 3668 | SH |  | SOLE |  | 0 | 0 | 3668 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 767285 | 907 | SH |  | SOLE |  | 0 | 0 | 907 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 331191 | 1032 | SH |  | SOLE |  | 0 | 0 | 1032 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 525734 | 11670 | SH |  | SOLE |  | 0 | 0 | 11670 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 590065 | 8413 | SH |  | SOLE |  | 0 | 0 | 8413 |
| BOEING CO | COM | 097023105 |  | 357060 | 1794 | SH |  | SOLE |  | 0 | 0 | 1794 |
| MICROSOFT CORP | COM | 594918104 |  | 2400114 | 6484 | SH |  | SOLE |  | 0 | 0 | 6484 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 209735 | 3078 | SH |  | SOLE |  | 0 | 0 | 3078 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 333633 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 5944994 | 59113 | SH |  | SOLE |  | 0 | 0 | 59113 |
| HONEYWELL INTL INC | COM | 438516106 |  | 271528 | 1201 | SH |  | SOLE |  | 0 | 0 | 1201 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 339399 | 1122 | SH |  | SOLE |  | 0 | 0 | 1122 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 3263299 | 43137 | SH |  | SOLE |  | 0 | 0 | 43137 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 1108414 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 1757726 | 17452 | SH |  | SOLE |  | 0 | 0 | 17452 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 595140 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |

---