# EDGAR Filing Document

**Accession Number:** 0001725394
**File Stem:** 0001951757-25-001413
**Filing Date:** 2025-11
**Character Count:** 14173
**Document Hash:** 97c9f6a110bd17e9086c69bd5460b81a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001413.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001951757-25-001413

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**EFFECTIVENESS DATE**: 20251113

**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:** 251475822

**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:** 09-30-2025

**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  11-13-2025<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:** 105

**Form 13F Information Table Value Total:** $177159105

      (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 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 617210 | 14424 | SH |  | SOLE |  | 0 | 0 | 14424 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 2910648 | 76879 | SH |  | SOLE |  | 0 | 0 | 76879 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 278060 | 985 | SH |  | SOLE |  | 0 | 0 | 985 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 11609096 | 228841 | SH |  | SOLE |  | 0 | 0 | 228841 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 371910 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 901608 | 4366 | SH |  | SOLE |  | 0 | 0 | 4366 |
| DISNEY WALT CO | COM | 254687106 |  | 245240 | 2142 | SH |  | SOLE |  | 0 | 0 | 2142 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 289136 | 1585 | SH |  | SOLE |  | 0 | 0 | 1585 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1737798 | 19445 | SH |  | SOLE |  | 0 | 0 | 19445 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 764250 | 1248 | SH |  | SOLE |  | 0 | 0 | 1248 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 362566 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| ISHARES TR | CORE S ETF | 464287200 |  | 226855 | 339 | SH |  | SOLE |  | 0 | 0 | 339 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 222903 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| MCDONALDS CORP | COM | 580135101 |  | 368921 | 1214 | SH |  | SOLE |  | 0 | 0 | 1214 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3917327 | 166908 | SH |  | SOLE |  | 0 | 0 | 166908 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 6833632 | 103666 | SH |  | SOLE |  | 0 | 0 | 103666 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 1043448 | 28549 | SH |  | SOLE |  | 0 | 0 | 28549 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 215976 | 888 | SH |  | SOLE |  | 0 | 0 | 888 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 915982 | 15565 | SH |  | SOLE |  | 0 | 0 | 15565 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 12438488 | 123520 | SH |  | SOLE |  | 0 | 0 | 123520 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 5766888 | 73614 | SH |  | SOLE |  | 0 | 0 | 73614 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 565181 | 9826 | SH |  | SOLE |  | 0 | 0 | 9826 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 619203 | 13279 | SH |  | SOLE |  | 0 | 0 | 13279 |
| BLACKROCK ETF TRUST II | ISHARES TOTAL RE | 092528876 |  | 5470405 | 107286 | SH |  | SOLE |  | 0 | 0 | 107286 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 440641 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 216218 | 4923 | SH |  | SOLE |  | 0 | 0 | 4923 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 1244397 | 13073 | SH |  | SOLE |  | 0 | 0 | 13073 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 3197178 | 93594 | SH |  | SOLE |  | 0 | 0 | 93594 |
| GE AEROSPACE | COM NEW | 369604301 |  | 228732 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1988839 | 3956 | SH |  | SOLE |  | 0 | 0 | 3956 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 373425 | 8062 | SH |  | SOLE |  | 0 | 0 | 8062 |
| AMAZON COM INC | COM | 023135106 |  | 2491022 | 11345 | SH |  | SOLE |  | 0 | 0 | 11345 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 235443 | 1270 | SH |  | SOLE |  | 0 | 0 | 1270 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 356602 | 1074 | SH |  | SOLE |  | 0 | 0 | 1074 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 642859 | 13733 | SH |  | SOLE |  | 0 | 0 | 13733 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 413492 | 7215 | SH |  | SOLE |  | 0 | 0 | 7215 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 923644 | 10289 | SH |  | SOLE |  | 0 | 0 | 10289 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 429244 | 8937 | SH |  | SOLE |  | 0 | 0 | 8937 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 271750 | 2629 | SH |  | SOLE |  | 0 | 0 | 2629 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 381187 | 16487 | SH |  | SOLE |  | 0 | 0 | 16487 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 340702 | 847 | SH |  | SOLE |  | 0 | 0 | 847 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1090001 | 5565 | SH |  | SOLE |  | 0 | 0 | 5565 |
| GRAYSCALE ETHEREUM MINI TR E | SHS NEW | 38964R203 |  | 379615 | 9689 | SH |  | SOLE |  | 0 | 0 | 9689 |
| BOEING CO | COM | 097023105 |  | 368206 | 1706 | SH |  | SOLE |  | 0 | 0 | 1706 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 481119 | 20421 | SH |  | SOLE |  | 0 | 0 | 20421 |
| CATERPILLAR INC | COM | 149123101 |  | 408365 | 856 | SH |  | SOLE |  | 0 | 0 | 856 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 5840264 | 63654 | SH |  | SOLE |  | 0 | 0 | 63654 |
| BUTTERFLY NETWORK INC | COM CL A | 124155102 |  | 45683 | 23670 | SH |  | SOLE |  | 0 | 0 | 23670 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 8098903 | 119400 | SH |  | SOLE |  | 0 | 0 | 119400 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 334482 | 1060 | SH |  | SOLE |  | 0 | 0 | 1060 |
| BLACKROCK ETF TRUST | ISHARES U S INDU | 09290C830 |  | 2910726 | 91922 | SH |  | SOLE |  | 0 | 0 | 91922 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 345927 | 2376 | SH |  | SOLE |  | 0 | 0 | 2376 |
| ALNYLAM PHARMACEUTICALS INC | COM | 02043Q107 |  | 1527600 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 338149 | 12594 | SH |  | SOLE |  | 0 | 0 | 12594 |
| VISA INC | COM CL A | 92826C839 |  | 633608 | 1856 | SH |  | SOLE |  | 0 | 0 | 1856 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 201816 | 4648 | SH |  | SOLE |  | 0 | 0 | 4648 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 225876 | 4259 | SH |  | SOLE |  | 0 | 0 | 4259 |
| AMGEN INC | COM | 031162100 |  | 277881 | 985 | SH |  | SOLE |  | 0 | 0 | 985 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2458534 | 33785 | SH |  | SOLE |  | 0 | 0 | 33785 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 1574149 | 22411 | SH |  | SOLE |  | 0 | 0 | 22411 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 374177 | 562 | SH |  | SOLE |  | 0 | 0 | 562 |
| TESLA INC | COM | 88160R101 |  | 513652 | 1155 | SH |  | SOLE |  | 0 | 0 | 1155 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 399748 | 432 | SH |  | SOLE |  | 0 | 0 | 432 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C871 |  | 5541358 | 154463 | SH |  | SOLE |  | 0 | 0 | 154463 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 2424866 | 20030 | SH |  | SOLE |  | 0 | 0 | 20030 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 916468 | 31257 | SH |  | SOLE |  | 0 | 0 | 31257 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 571148 | 14419 | SH |  | SOLE |  | 0 | 0 | 14419 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 2798387 | 27970 | SH |  | SOLE |  | 0 | 0 | 27970 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 296929 | 1063 | SH |  | SOLE |  | 0 | 0 | 1063 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2793995 | 124510 | SH |  | SOLE |  | 0 | 0 | 124510 |
| SALESFORCE INC | COM | 79466L302 |  | 396946 | 1675 | SH |  | SOLE |  | 0 | 0 | 1675 |
| SSGA ACTIVE TR | SPDR SSGA US SCT | 78470P408 |  | 943069 | 15821 | SH |  | SOLE |  | 0 | 0 | 15821 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 352223 | 1073 | SH |  | SOLE |  | 0 | 0 | 1073 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 581571 | 1684 | SH |  | SOLE |  | 0 | 0 | 1684 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1473791 | 7899 | SH |  | SOLE |  | 0 | 0 | 7899 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 260844 | 4561 | SH |  | SOLE |  | 0 | 0 | 4561 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 481100 | 6293 | SH |  | SOLE |  | 0 | 0 | 6293 |
| HOME DEPOT INC | COM | 437076102 |  | 521456 | 1287 | SH |  | SOLE |  | 0 | 0 | 1287 |
| MICROSOFT CORP | COM | 594918104 |  | 3258313 | 6291 | SH |  | SOLE |  | 0 | 0 | 6291 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 228635 | 1310 | SH |  | SOLE |  | 0 | 0 | 1310 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 732959 | 17299 | SH |  | SOLE |  | 0 | 0 | 17299 |
| ISHARES TR | MBS ETF | 464288588 |  | 696612 | 7321 | SH |  | SOLE |  | 0 | 0 | 7321 |
| HONEYWELL INTL INC | COM | 438516106 |  | 266346 | 1265 | SH |  | SOLE |  | 0 | 0 | 1265 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 436543 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 745585 | 20048 | SH |  | SOLE |  | 0 | 0 | 20048 |
| ISHARES TR | S 100 ETF | 464287101 |  | 5476527 | 16454 | SH |  | SOLE |  | 0 | 0 | 16454 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 394077 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| APPLE INC | COM | 037833100 |  | 1358467 | 5335 | SH |  | SOLE |  | 0 | 0 | 5335 |
| WOODWARD INC | COM | 980745103 |  | 2127313 | 8418 | SH |  | SOLE |  | 0 | 0 | 8418 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 203362 | 2685 | SH |  | SOLE |  | 0 | 0 | 2685 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3500426 | 65748 | SH |  | SOLE |  | 0 | 0 | 65748 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 7560667 | 62630 | SH |  | SOLE |  | 0 | 0 | 62630 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 661759 | 831 | SH |  | SOLE |  | 0 | 0 | 831 |
| META PLATFORMS INC | CL A | 30303M102 |  | 644565 | 878 | SH |  | SOLE |  | 0 | 0 | 878 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 648563 | 8936 | SH |  | SOLE |  | 0 | 0 | 8936 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1741044 | 35201 | SH |  | SOLE |  | 0 | 0 | 35201 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 8174474 | 42028 | SH |  | SOLE |  | 0 | 0 | 42028 |
| BITWISE ETHEREUM ETF | SHS | 091955104 |  | 338964 | 11367 | SH |  | SOLE |  | 0 | 0 | 11367 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1300737 | 19267 | SH |  | SOLE |  | 0 | 0 | 19267 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 261621 | 1703 | SH |  | SOLE |  | 0 | 0 | 1703 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 9010574 | 152206 | SH |  | SOLE |  | 0 | 0 | 152206 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1632702 | 34954 | SH |  | SOLE |  | 0 | 0 | 34954 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2574423 | 24997 | SH |  | SOLE |  | 0 | 0 | 24997 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 906513 | 7960 | SH |  | SOLE |  | 0 | 0 | 7960 |
| NETFLIX INC | COM | 64110L106 |  | 226596 | 189 | SH |  | SOLE |  | 0 | 0 | 189 |

---