|
Web Site Disclosure
Spectrum Financial's website is
limited to the dissemination of general information pertaining
to its advisory services, together with access to additional
investment-related information, publications, and links.
Accordingly, the publication of Spectrum Financial’s website
on the Internet should not be construed by any consumer
and/or prospective client as Spectrum Financial’s solicitation
to effect, or attempt to effect transactions in securities,
or the rendering of personalized investment advice for compensation,
over the Internet. Any subsequent, direct communication
by Spectrum Financial with a prospective client shall be
conducted by a representative that is either registered
or qualifies for an exemption or exclusion from registration
in the state where the prospective client resides.
For information pertaining to the registration
status of Spectrum Financial, please contact the SEC or
the state securities law administrators for those states
in which Spectrum Financial maintains a notice filing. A
copy of Spectrum Financial’s current written disclosure
statement discussing Spectrum Financial’s business operations,
services, and fees is available from Spectrum Financial
upon written request.
Spectrum Financial does not make any representations
or warranties as to the accuracy, timeliness, suitability,
completeness, or relevance of any information prepared by
any unaffiliated third party, whether linked to Spectrum
Financial’s web site or incorporated herein, and takes no
responsibility therefore. All such information is provided
solely for convenience purposes only and all users thereof
should be guided accordingly.
Past performance may not be indicative
of future results. Therefore, no current or prospective
client should assume that future performance of any specific
investment, investment strategy (including the investments
and/or investment strategies recommended or undertaken by
Spectrum Financial) or product made reference to directly
or indirectly by Spectrum Financial in its website, or indirectly
via a link to an unaffiliated third party website, will
be profitable or equal the corresponding indicated performance
level(s).
Different types of investments involve
varying degrees of risk, and there can be no assurance that
any specific investment will either be suitable or profitable
for a client or prospective client’s investment portfolio.
Historical performance results for investment indices and/or
categories generally do not reflect the deduction of transaction
and/or custodial charges, the deduction of an investment
management fee, nor the impact of taxes, the incurrence
of which would have the effect of decreasing historical
performance results.
Certain portions of Spectrum Financial’s
web site (i.e. newsletters, articles, commentaries, etc.)
may contain a discussion of, and/or provide access to, Spectrum
Financial’s (and those of other investment and non-investment
professionals) positions and/or recommendations as of a
specific prior date. Due to various factors, including changing
market conditions, such discussion may no longer be reflective
of current position(s) and/or recommendation(s). Moreover,
no client or prospective client should assume that any such
discussion serves as the receipt of, or a substitute for,
personalized advice from Spectrum Financial, or from any
other investment professional. Spectrum Financial staff
members are neither attorneys nor accountants, and no portion
of the website content should be interpreted as legal, accounting
or tax advice.
To the extent that any client or prospective
client utilizes any economic calculator or similar device
contained within or linked to Spectrum Financial’s web site,
the client and/or prospective client acknowledges and understands
that the information resulting from the use of any such
calculator/device, is not, and should not be construed,
in any manner whatsoever, as the receipt of, or a substitute
for, personalized individual advice from Spectrum Financial,
or from any other investment professional.
Spectrum Financial’s
asset management programs generally involve above-average
portfolio turnover, which could negatively impact upon the
net after-tax gain experienced in taxable accounts.
|
