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.