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Portfolio Services
PLEASE REVIEW
IMPORTANT DISCLOSURE INFORMATION
SET FORTH IN THE DISCLOSURES SECTION OF THIS WEBSITE.
Spectrum Financial is a Federally Registered
Investment Advisor. As such, we are required by law to maintain
a fiduciary relationship with our clients. It is our responsibility
"to render to clients on a personal basis, competent, unbiased
and continuous advice regarding the sound management of
their investments." We are charged with operating in the
best interests of our clients at all times.
How We Operate
To assure that we meet the standards of
a fiduciary, Spectrum's Client Services Team interviews
each prospective client to determine their investment objectives,
risk tolerance, financial situation, and special needs that
they might have.
This information is used to determine
an appropriate investment allocation and to design a portfolio
using Spectrum's active management strategies.
Once your portfolio is in place, we monitor
it on a daily basis and actively manage your account to
reduce the risk of a major loss from a down market and to
take advantage of opportunities for profit.
While there can never be a guarantee that an investment
approach will be successful, active management is the only
strategy that gives investors the flexibility to sidestep
down markets.
In addition to monthly reports from the
mutual fund or custodian of your accounts, Spectrum provides
a comprehensive annual anniversary report along with semi-annual
"check-ups" of each client's portfolio performance. Updates
on current portfolio holdings are also available at any
time on request. Our quarterly newsletter provides updates
on the market and the performance of our strategies as well
as our unique perspective on managing portfolios.
Purchase, redemption and exchange requests
are affected by Client Services in accordance with shareholder
instructions. We are also available to assist clients with
utilizing the investment companies' web sites; implementing
changes in account ownership, such as beneficial ownership
or account information, and answering questions regarding
fund documents, including tax forms.
At least once a year, we request a conference
with each client to discuss changes in their lives and how
these changes might impact their investments with Spectrum
Financial. Portfolio allocations may be altered in response
to these meetings or other contact with our clients.
Investment Strategies
Spectrum Financial, Inc. manages client
investment portfolios using a wide array of investment strategies
based primarily on trend following, momentum, relative strength
and seasonal models, applied to domestic and international
stock and bond markets. Analytical data from numerous sources
is collected and assimilated by Spectrum's portfolio management
team to determine buy and sell signals under the different
investment Strategies.
Our style of investing is to create portfolios
comprised of multiple investment strategies, each with the
flexibility to move to the safety of money market funds
when market conditions warrant. These strategies benefit
from the added diversification provided by mutual funds,
exchange traded funds and variable annuity accounts and
alternative investments that are used as the securities
bought and sold within each investment strategy.
Spectrum Financial's 20+ year track record
demonstrates that this approach to investing has the potential
to offer attractive long-term returns while avoiding much
of the risk associated with investing in the securities
markets.
Spectrum offers two investment services,
our traditional Tactical
Asset Allocation and our newest investment
opportunity - the
Spectrum Strategic Asset Allocation strategy
launched in 2004.
Tactical
Asset Allocation
Spectrum offers nine Tactical Asset Allocation
strategies that use a variety of indicators to signal favorable
or unfavorable market conditions for different asset classes.
Client assets are then moved in part or in whole between
mutual funds representing a desired asset class and a money
market or cash position. Our goal is to (1)
reduce the risk of loss when a market downturn is signaled
and (2) position the client's assets to benefit from rising
markets.
An individual client's account may be
held at a fund company, trust company, brokerage firm, or
insurance company or a combination of these investment companies
depending upon the suitability of the funds and policies
offered by the company.
Strategic Asset Allocation
Strategic Asset Allocation takes advantage
of advances in the financial industry over the past decade
to offer Spectrum clients access to uniquely created funds
for the clients of Spectrum Financial.
These funds are managed using the investment
strategies developed, implemented and proven by
Spectrum Financial's founder over the past 20 years. Within
each fund, multiple trading models are employed to achieve
diversification of investment style as well as diversification
of the underlying securities held in each fund. Ralph Doudera,
CEO of Spectrum Financial, serves as portfolio manager of
the funds through a non-profit sub-advisory company, Hundredfold
Advisors, LLC.
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