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About Us

Leading with Experience, Guided by Integrity

Don and Hope bring decades of  knowledge and experience to their shared commitment to helping families and individuals confidently achieve their long-term financial goals. 

As a fiduciary firm, we are legally bound to put your best interests first.

Don Avgerinos

CEO
and President

Meet Don

Don Averinos
CBC, CEP®, RICP®, CFS®
CEO and President

Don Avgerinos, CBC, CEP®, RICP®, CFS®, is an experienced financial planner and portfolio consultant. As President of Spectrum Financial Group, Inc., he is dedicated to helping hardworking Americans prepare for and enjoy retirement with greater confidence and peace of mind. With a wealth of expertise acquired over three decades, Don specializes in conservative financial strategies designed to protect invested assets and generate reliable income return in all market conditions. He also provides consulting services to business owners around such issues as retirement plans, succession planning, and employee benefits.

Placing a strong emphasis on client education, Don frequently hosts educational workshops on a wide range of topics important to retirees and those nearing retirement, including income planning, estate planning, maximizing Social Security and minimizing taxes. He also discusses timely financial topics as host of The Retirement Income Program on Philly’s 990AM radio show, The Answer. 

Aside from educating and helping clients, Don also has a passion for aviation, which he nurtures outside of work as a private pilot. He and his wife, Helen, have been married since 1994 and raised two children.

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Hope Edkins

Director of Operations
and Marketing

Meet Hope

Hope Edkins
Director of Operations and Marketing

Hope’s diverse background in event coordination, marketing, social media management, project oversight, and strategic communications serves her well as Director of Operations and Marketing for Spectrum Financial, where she seamlessly integrates her passion for planning and promotion with operational excellence.

Hope’s passion for event planning and marketing began in college, driving her to seek opportunities to develop these skills. She served on the Philanthropy committee for her sorority, Kappa Alpha Theta, where she successfully planned, coordinated, and executed multiple events and fundraisers.

At Eastern University, she managed social media pages for the athletics department, developing her skills at generating high-quality written and visual content.

At Main Line Classical Academy, she expanded her skillset by continuing to manage social media accounts while taking on additional responsibilities in project management and communications.

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Payton M. Edwards-Groff

Administrative
Assistant

Meet Payton

Payton M. Edwards-Groff

Payton is a dynamic team member who brings a foundation of sharp organizational skills and a passion for operational excellence to our company. During Payton’s time at Temple University, she discovered an enthusiasm for the inner workings of making an office run smoothly. With proven experience in comprehensive administrative work, Payton is an effective and creative problem-solver who enjoys helping team members and keeping processes efficient. Payton is thrilled to leverage her dedication to detail, structure, and collaboration to support our mission.

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Spectrum Financial Group offers comprehensive financial, estate, and tax planning to help clients reach their goals.

Retirement Income Source®

More Than
a Partnership

The relationship between Spectrum Financial Group and Retirement Income Source® (RIS) goes beyond affiliation. It is built on a shared mission to help clients retire with greater confidence and a true sense of financial security. By aligning with RIS, we cement our commitment to providing income-focused strategies that prioritize safety, reliability, and peace of mind. This connection empowers our clients with the resources of a nationwide network, while allowing us to maintain the personal touch and trusted guidance that have always been hallmarks of business.

Find a RIS Specialist
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A Winning Combination

Part of Our National Network

Retirement Income Source® is committed to helping you enjoy financial peace of mind through steady income you can count on. Our network of franchised financial advisors specialize in income-generating investment strategies designed to help preserve your savings, so you can use it to generate ongoing streams of interest and dividend payments you can count on. Other Retirement Income Source advisors include:

Rick Bates

Retirement Income Source®

of Fort Lauderdale

Bill Richardson

Retirement Income Source®

of Minnesota

Micah Keel

Retirement Income Source®

of SW Florida

Anthony Saccaro

Providence Financial &

Insurance Services

Sam McElroy

STRIDE Financial

David Wright

Wright Financial Group

Sound Income Strategies®

Your Best Interests Will Always Come First

As a Retirement Income Source franchise firm, our team is comprised of some of the industry’s leading specialists in fixed income investing and portfolio management through our affiliation with Sound Income Strategies (SIS). The team at SIS has the knowledge and resources to create a customized investment strategy designed to help you maximize your income return in all market conditions, while also helping you reduce risk and capitalize on potential opportunities for portfolio growth.

David J. Scranton

Founder/CEO
CFA®, CFP®, ChFC®, CLU®

Rana Chander

Chief Operating Officer

Eric Lutton

Co-Chief Investment Officer
CFA®

Eric Beyrich

Co-Chief Investment Officer
CFA®, CFP®

Charles Radlauer

Chief Compliance Officer
Learn more about SIS

Spectrum Financial Group

Founded in 1997, Spectrum Financial Group, Inc. is passionate about helping clients achieve the retirement they’ve always envisioned. Our income- generating investment strategies are designed to help preserve your savings—so you can use it as a renewable source of income in retirement.

Here at Spectrum Financial Group, our advisors hold themselves to the highest standard in their role as fiduciaries for our clients. That means they will always look out for your best interests.

Our Process

Through our four-step process, we’ll get to know you and your personal situation so we can guide you through the process of planning and saving for retirement. We can help ensure that your asset allocation and risk exposure are appropriate for your current stage of life. Then we’ll schedule periodic reviews to make sure your portfolio is positioned to thrive in today’s ever-changing economic landscape.

Through financial education, we’ll help you sort through the media hype so you can remain focused on the strategies that give you the best chance to achieve your financial goals.

Step 1

Investigation

We will begin by getting to know you, your situation, and the lifestyle you envision for your retirement. Then we’ll take a look at your current investments to determine if there is room for improvement in your current financial plan. During this time, we’ll construct a few sample solutions and demonstrate how they can help to achieve your goals.

While many financial advisors can tend to make financial matters more complicated than they need to be, we’ll simplify the financial issues involved with planning and saving for retirement and create a customized plan that can provide ongoing income for retirement.

Step 2

Recommendation

Next, we’ll review the investment strategies available to help you achieve your long-term financial goals. This may involve the use of fixed income investments, insurance assets, as well as dividend paying stocks depending on your level of risk tolerance. During this phase, we’ll explain essential facts about the financial markets you need to know. You will also learn the difference between an individual bond and a bond mutual fund.

Step 3

Implementation

Once we’ve worked together to identify the best investment strategies according to your risk tolerance and financial goals, we will get to work adjusting your asset allocation so that it is appropriate for your current stage in life. Once this process is completed, we’ll schedule a follow-up meeting to go over your updated asset allocation and to make sure everything is in order.

Step 4

Check-In & Follow-Up

After we have created a customized portfolio of equities and income generating investments, we will schedule regular check-ins to update you on your portfolio’s performance and answer any questions you might have. From time to time, we will also schedule special client events where we will meet to discuss how recent developments in the financial markets and the economy could impact your retirement.

Our Team

Hope Edkins

Director of Operations and Marketing hope@sfgmail.net