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 Welcome to Spectrum Financial, Inc., a SEC Registered Investment Advisor with a 20+ year track record of building client assets using active management strategies. Founded in 1986 by money manager Ralph Doudera, Spectrum has long been considered one of the more successful active investment management firms serving individual investors. Spectrum is also recognized for its unique philanthropic stance. The majority of corporate profits are contributed to charitable organizations dedicated to helping people throughout the world live better lives.

Spectrum Financial strives to achieve for its clients above average returns with below average risk through the following principles:

	Preserving of principal during market downturns.
	Using technical analysis to maximize profits by identifying favorable trends and market environments.
	Allocating among multiple strategies which have historically shown to provide consistent returns.
	Customizing individual portfolios for each client to tailor investment objectives with the client's risk tolerance.
	Encouraging stewardship wherein money is not accumulated simply for the sake of accumulation but to in some way improve the world in which we live and the fate of its inhabitants.

Spectrum Financial Inc.
2940 N. Lynnhaven Road | Suite 200 | Virginia Beach, Virginia 23452
Tel: 757-463-7600

Spectrum Financial, Inc. Disclaimer
Spectrum Financial's website is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of the 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. For information pertaining to the registration status of Spectrum Financial, please contact the United States Securities and Exchange Commission and/or the state securities law administrators for those states in which Spectrum Financial maintains a notice filing. Any subsequent, direct communication by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. 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 website 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. For additional disclosures please review Important Disclosure Information.

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