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.