# EDGAR Filing Document

**Accession Number:** 0001725394
**File Stem:** 0001951757-25-000836
**Filing Date:** 2025-7
**Character Count:** 13224
**Document Hash:** 31a27a151aa1fe645d31e4013f2e3f16
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-000836.hdr.sgml**: 20250715

**ACCESSION NUMBER**: 0001951757-25-000836

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250715

**DATE AS OF CHANGE**: 20250715

**EFFECTIVENESS DATE**: 20250715

**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:** 251125285

**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:** 06-30-2025

**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  07-15-2025<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:** 95

**Form 13F Information Table Value Total:** $154615011

      (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 |
| APPLE INC | COM | 037833100 |  | 932044 | 4543 | SH |  | SOLE |  | 0 | 0 | 4543 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 1095336 | 3359 | SH |  | SOLE |  | 0 | 0 | 3359 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 354608 | 2499 | SH |  | SOLE |  | 0 | 0 | 2499 |
| AMGEN INC | COM | 031162100 |  | 256594 | 919 | SH |  | SOLE |  | 0 | 0 | 919 |
| AMAZON COM INC | COM | 023135106 |  | 2259936 | 10301 | SH |  | SOLE |  | 0 | 0 | 10301 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 381950 | 1197 | SH |  | SOLE |  | 0 | 0 | 1197 |
| BOEING CO | COM | 097023105 |  | 344258 | 1643 | SH |  | SOLE |  | 0 | 0 | 1643 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 1342195 | 46523 | SH |  | SOLE |  | 0 | 0 | 46523 |
| BUTTERFLY NETWORK INC | COM CL A | 124155102 |  | 47340 | 23670 | SH |  | SOLE |  | 0 | 0 | 23670 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 3965861 | 43234 | SH |  | SOLE |  | 0 | 0 | 43234 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3568626 | 67536 | SH |  | SOLE |  | 0 | 0 | 67536 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 421813 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C871 |  | 4757712 | 138594 | SH |  | SOLE |  | 0 | 0 | 138594 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1800728 | 36371 | SH |  | SOLE |  | 0 | 0 | 36371 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1396589 | 2875 | SH |  | SOLE |  | 0 | 0 | 2875 |
| BLACKROCK ETF TRUST II | ISHARES TOTAL RE | 092528876 |  | 5715384 | 113098 | SH |  | SOLE |  | 0 | 0 | 113098 |
| CATERPILLAR INC | COM | 149123101 |  | 429360 | 1106 | SH |  | SOLE |  | 0 | 0 | 1106 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 364175 | 14088 | SH |  | SOLE |  | 0 | 0 | 14088 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 420107 | 424 | SH |  | SOLE |  | 0 | 0 | 424 |
| SALESFORCE INC | COM | 79466L302 |  | 417102 | 1530 | SH |  | SOLE |  | 0 | 0 | 1530 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 330258 | 749 | SH |  | SOLE |  | 0 | 0 | 749 |
| DISNEY WALT CO | COM | 254687106 |  | 253685 | 2046 | SH |  | SOLE |  | 0 | 0 | 2046 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 403424 | 3473 | SH |  | SOLE |  | 0 | 0 | 3473 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 6931931 | 127285 | SH |  | SOLE |  | 0 | 0 | 127285 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 425721 | 8955 | SH |  | SOLE |  | 0 | 0 | 8955 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 3285846 | 29338 | SH |  | SOLE |  | 0 | 0 | 29338 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 7707350 | 121414 | SH |  | SOLE |  | 0 | 0 | 121414 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1121288 | 12106 | SH |  | SOLE |  | 0 | 0 | 12106 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 3573774 | 56601 | SH |  | SOLE |  | 0 | 0 | 56601 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 320507 | 2369 | SH |  | SOLE |  | 0 | 0 | 2369 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 213264 | 4897 | SH |  | SOLE |  | 0 | 0 | 4897 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 1339381 | 15789 | SH |  | SOLE |  | 0 | 0 | 15789 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 402096 | 6137 | SH |  | SOLE |  | 0 | 0 | 6137 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 409266 | 17810 | SH |  | SOLE |  | 0 | 0 | 17810 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 730138 | 1032 | SH |  | SOLE |  | 0 | 0 | 1032 |
| HOME DEPOT INC | COM | 437076102 |  | 485534 | 1324 | SH |  | SOLE |  | 0 | 0 | 1324 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 520445 | 13710 | SH |  | SOLE |  | 0 | 0 | 13710 |
| HONEYWELL INTL INC | COM | 438516106 |  | 282018 | 1211 | SH |  | SOLE |  | 0 | 0 | 1211 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1431848 | 22961 | SH |  | SOLE |  | 0 | 0 | 22961 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 284300 | 964 | SH |  | SOLE |  | 0 | 0 | 964 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 2506532 | 27819 | SH |  | SOLE |  | 0 | 0 | 27819 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 746846 | 21641 | SH |  | SOLE |  | 0 | 0 | 21641 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2773982 | 46210 | SH |  | SOLE |  | 0 | 0 | 46210 |
| BLACKROCK ETF TRUST | ISHARES U S INDU | 09290C830 |  | 2464511 | 85071 | SH |  | SOLE |  | 0 | 0 | 85071 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1739495 | 37627 | SH |  | SOLE |  | 0 | 0 | 37627 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 969697 | 4962 | SH |  | SOLE |  | 0 | 0 | 4962 |
| ISHARES TR | CORE S ETF | 464287200 |  | 202793 | 327 | SH |  | SOLE |  | 0 | 0 | 327 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 7505671 | 68171 | SH |  | SOLE |  | 0 | 0 | 68171 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 2849020 | 16443 | SH |  | SOLE |  | 0 | 0 | 16443 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 298531 | 1030 | SH |  | SOLE |  | 0 | 0 | 1030 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 9592001 | 189266 | SH |  | SOLE |  | 0 | 0 | 189266 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 600739 | 8930 | SH |  | SOLE |  | 0 | 0 | 8930 |
| ISHARES TR | MBS ETF | 464288588 |  | 750563 | 7994 | SH |  | SOLE |  | 0 | 0 | 7994 |
| MCDONALDS CORP | COM | 580135101 |  | 316386 | 1083 | SH |  | SOLE |  | 0 | 0 | 1083 |
| META PLATFORMS INC | CL A | 30303M102 |  | 521978 | 707 | SH |  | SOLE |  | 0 | 0 | 707 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 329187 | 899 | SH |  | SOLE |  | 0 | 0 | 899 |
| MICROSOFT CORP | COM | 594918104 |  | 3081803 | 6196 | SH |  | SOLE |  | 0 | 0 | 6196 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 686740 | 4347 | SH |  | SOLE |  | 0 | 0 | 4347 |
| ISHARES TR | S 100 ETF | 464287101 |  | 2300567 | 7559 | SH |  | SOLE |  | 0 | 0 | 7559 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 621983 | 19504 | SH |  | SOLE |  | 0 | 0 | 19504 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 255551 | 1604 | SH |  | SOLE |  | 0 | 0 | 1604 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 208979 | 1533 | SH |  | SOLE |  | 0 | 0 | 1533 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 404536 | 733 | SH |  | SOLE |  | 0 | 0 | 733 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 7920149 | 43322 | SH |  | SOLE |  | 0 | 0 | 43322 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 5367398 | 230955 | SH |  | SOLE |  | 0 | 0 | 230955 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 10438532 | 103670 | SH |  | SOLE |  | 0 | 0 | 103670 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 347137 | 1011 | SH |  | SOLE |  | 0 | 0 | 1011 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 471611 | 14374 | SH |  | SOLE |  | 0 | 0 | 14374 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 529859 | 13086 | SH |  | SOLE |  | 0 | 0 | 13086 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 576450 | 13487 | SH |  | SOLE |  | 0 | 0 | 13487 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 5696703 | 78370 | SH |  | SOLE |  | 0 | 0 | 78370 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2702343 | 122278 | SH |  | SOLE |  | 0 | 0 | 122278 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 250584 | 4608 | SH |  | SOLE |  | 0 | 0 | 4608 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 2180169 | 19384 | SH |  | SOLE |  | 0 | 0 | 19384 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 274097 | 6434 | SH |  | SOLE |  | 0 | 0 | 6434 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 811864 | 27718 | SH |  | SOLE |  | 0 | 0 | 27718 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 305132 | 494 | SH |  | SOLE |  | 0 | 0 | 494 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 283002 | 2750 | SH |  | SOLE |  | 0 | 0 | 2750 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 440046 | 18943 | SH |  | SOLE |  | 0 | 0 | 18943 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 2372531 | 66682 | SH |  | SOLE |  | 0 | 0 | 66682 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2729078 | 26861 | SH |  | SOLE |  | 0 | 0 | 26861 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 446634 | 5061 | SH |  | SOLE |  | 0 | 0 | 5061 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 286315 | 1070 | SH |  | SOLE |  | 0 | 0 | 1070 |
| TESLA INC | COM | 88160R101 |  | 336720 | 1060 | SH |  | SOLE |  | 0 | 0 | 1060 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 485165 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 391154 | 7253 | SH |  | SOLE |  | 0 | 0 | 7253 |
| VISA INC | COM CL A | 92826C839 |  | 591989 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 803934 | 13677 | SH |  | SOLE |  | 0 | 0 | 13677 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 217252 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 661755 | 1165 | SH |  | SOLE |  | 0 | 0 | 1165 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 325230 | 1070 | SH |  | SOLE |  | 0 | 0 | 1070 |
| WOODWARD INC | COM | 980745103 |  | 2063168 | 8418 | SH |  | SOLE |  | 0 | 0 | 8418 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 374537 | 7189 | SH |  | SOLE |  | 0 | 0 | 7189 |
| SSGA ACTIVE TR | SPDR SSGA US SCT | 78470P408 |  | 875309 | 15938 | SH |  | SOLE |  | 0 | 0 | 15938 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 607281 | 13156 | SH |  | SOLE |  | 0 | 0 | 13156 |

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