"Biographies"
Executive Team
The Executive Team
Ralph and Mary have been working together for over 33 years and serve as Spectrum’s executive leadership. Ralph is the CEO and head portfolio manager, where his focus is the investment side of the business and strategic planning. Mary is the CCO and President overseeing all day-to-day operations, compliance, accounting and personnel management as well as strategic planning. Together they make a great team with balance, expertise and industry recognition.



Ralph Doudera
PHOTO ABOVE:
Ralph about to surf in Santa Teresa, Costa Rica
Education
REGENT UNIVERSITY
MS, Biblical Studies. NEW JERSEY INSTITUTE OF TECHNOLOGY
BSME, MS, Engineering, Finance and Management
Interests
Trading, photography, racing cars, surfing, and Costa Rica Hotel (Casa Cecilia).

Ralph Doudera
CEO & Head Portfolio Manager
LinkedIn LinkedIn

info@InvestSpectrum.com
757.463.7600

Experience
I have over 30 years of investment management experience, specializing in managing risk controlled investments. For me, minimizing losses is one of the first principles of wealth building and drives my approach to managing money.

I formed Spectrum Financial Inc. for the express purpose of investing the money of family, friends, and clients the way I would invest my own. Spectrum provides portfolio management services to individuals, IRAs, corporate pensions, profit-sharing plans, 401Ks, charitable institutions, foundations, endowments, and trusts.

As the founder of Simply Distribute Charitable Foundation, my goal was to contribute to organizations promoting microfinance, supporting third world children hospitals, building orphanages and churches, and evangelism as the way to make positive changes in this world.

My specialties include: stewardship focus, portfolio manager, investment visionary, and technical analysis.

When I am not managing my client’s wealth, I can usually be found spending time with my children and my eight grandchildren. Also, I like to auto race, compose music and play the piano at my church worship team, and surf in Costa Rica. I founded Spectrum Financial in 1986 and serve as CEO. I also serve as a portfolio manager to Hundredfold Advisors LLC.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I am excited about using all the talents God has blessed me with to glorify Him and meet the needs of others by providing financial security in a way that they cannot do for themselves. I am also excited about the challenge and competitive aspect of performance compared to my peers. And lastly, I am excited about leading a team of competent individuals to develop themselves to their maximum potential."

—Ralph Doudera




Mary Collins
PHOTO ABOVE:
Mary (far right) about to run her first half-marathon with her daughter Emily and friend Catherine in Brooklyn, New York
Education
OLD DOMINION UNIVERSITY
BS Business Administration, Corporate Finance
Interests
Running, shopping, and golfing.

Mary Collins
President & Chief Compliance Officer
LinkedIn LinkedIn

info@InvestSpectrum.com
757.463.7600

Experience
I have over 30 years of experience managing a financial advisory firm. I am currently the President and Chief Compliance Officer at Spectrum Financial. I am also a managing member of Hundredfold Advisors, LLC where I donate my services for strategic corporate planning, operations management and compliance oversight.

I like to give back to the community; I serve as the Chairman of Simply Distribute Foundation, a public charity, whose mandate is to distribute nearly all contributions annually. The charity has distributed to 8 named charities in excess of $6 million dollars in the areas of education, medical services, micro finance, and evangelism.

I began working with Spectrum in 1988 as a financial planner. Currently I develop and maintain corporate structure, efficient back office operations, and a comprehensive compliance program. Spectrum provides portfolio management services to individuals, IRAs, corporate pensions, profit-sharing plans, 401Ks, charitable institutions, foundations, endowments, and trusts.

Organizations I have spoken to include National Association of Active Investment Managers (NAAIM) Regionally Meetings, NAAIM Uncommon Knowledge Annual Meeting, the Old Dominion University Finance Club, and Hampton Roads Chamber of Commerce.

My specialties include: organizational structure, business finance, company leadership, and stewardship visionary.

Outside the business world, I enjoy spending time with my husband and my 5 children and 4 grandchildren. I recently began competing in 5k-10k running events and completed my first Sprint Triathlon July 2015, and my first Half Marathon October 2016.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"There are three things that give real meaning to life: family, using your skills and gifts for excellence, and giving back to others less fortunate. At Spectrum I experience all three."

—Mary Collins




Investment Services Team
The Investment Team
Our Investment Team runs all of our seperately managed account (SMA) strategies and manages the Spectrum Funds. They are responsible for continual evaluation of our investment strategies and methodologies while performing ongoing research for new ideas and investment opportunities. They are also responsible for trading operations and execution as well as managing our relationships with mutual fund companies.

Chris Hendrix, CMT
PHOTO ABOVE:
Chris and his family after one of his son's college soccer games at Davis & Elkins College in Elkins, West Virginia
Education
FLORIDA STATE UNIVERSITY
BA, Social Sciences/Economics
Interests
Bass guitar enthusiast, reading adventure novels, active in church, and teaching Financial Peace University (FPU).

Chris Hendrix, CMT
Portfolio Manager, Investment Team Leader

ChrisH@InvestSpectrum.com
757.463.7600

Experience
I have over 25 years of investment services experience, specializing in research and development of innovative investment strategies. My focus is strategy assessment and growth.

I review market data, trends, sentiment and perform ongoing analysis of existing investment strategies for effectiveness in meeting the goals of Spectrum’s investment philosophy. Spectrum provides portfolio management services to individuals, IRAs, corporate pensions, profit-sharing plans, 401Ks, charitable institutions, foundations, endowments, and trusts.

What drives me to wake up every morning and go to work? Proverbs 13:22 states, “A good person leaves an inheritance for their children’s children…” My desire is to help others achieve this goal of positively affecting their lives and their family tree.

Prior to joining Spectrum Financial in 2007, I was a securities advisor with a regional brokerage firm before shifting in 1993 to a large national brokerage firm. There, I became the Senior Technical Analyst of the technical analysis department. In 2005, I established my own firm that published daily market commentaries as well as being a regular contributor to a nationwide investment industry magazine. During this time, I worked with individuals and institutions, advising matters related to technical analysis trading methods. Over the years, I have developed numerous proprietary indicators and analysis techniques that attempt to enhance portfolio returns in various investments and market cycles.

My specialties include: strategist, portfolio manager, writer of market commentaries, and Chartered Market Technician.

When I am not researching for investment strategies, I can usually be found spending time with my wife, my four children and my dogs. Also I like to stay active in my church and local Virginia Beach community.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"The markets always present new challenges and opportunities that can help our clients reach investment goals and it is up to us to unlock that potential and apply it to their portfolios."

—Chris Hendrix




Cristin McGinnis
PHOTO ABOVE:
Cristin with her family in Athens, Greece visiting The Parthenon
Education
OLD DOMINION UNIVERSITY
BSBA, Finance & Business Management
Interests
Traveling, reading, great food & wine, architecture, furniture design, music, painting, photography, (and mastering the chaos of the markets).

Cristin McGinnis
Portfolio Management Analyst

Cristin@InvestSpectrum.com
757.463.7600

Experience
My passion for financial markets and economics was born out of a desire to understand the intricacies of the global economy, and the trends that develop from behavioral patterns. At Spectrum, my role is staying abreast of market trends, monitoring global markets, as well as selecting investments based on quantitative analysis. My daily routine also involves coordinating trading activities, managing mutual fund cash flows, and developing policies and procedures to streamline investment operations.

I graduated from the Strome College of Business at Old Dominion University with a degree in Finance and Business Management, and a focus on investment management and leadership. While at Old Dominion, I was part of an elite group of students that managed the school portfolio in excess of $100,000. While under our management the portfolio saw solid gains, and was able to beat the Standard & Poors 500 Index. Since graduation, I have written articles for the Motley Fool, served as a buy side analyst and associate portfolio manager, advised on Investment Committees for multiple small investment firms, and coordinated trading on a global level for one of the world’s largest investment management organizations.

What drives me to wake up every morning and go to work? Every day is a new day and you never know what it will bring. The financial markets never cease to surprise, so helping clients sleep better at night by managing their downside risk is what we are all about. As Thomas Edison once said, “If there’s a way to do it better… Find it.”

My specialties include: Multi-asset portfolio management, in-depth security research and analysis, portfolio construction and optimization, strategy development and implementation, manager selection and due diligence, and behavioral finance.

When I am not reading, researching, and strategizing, I am hopefully travelling to faraway lands and exploring different cultures. Time with my family grounds me and staying active keeps me young. When there is time to spare, I am likely designing furniture or making grand meals with friends. I maintain an active role in enhancing the local community and supporting the arts, and serve as a member of the Downtown Norfolk Council.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I have always been fascinated by the behavior of the global markets and their interconnectivity. Being in a position where I can continually learn and apply that knowledge, while simultaneously helping our clients to grow their portfolios is immensely satisfying."

—Cristin McGinnis




Client Services
The Client Services Team
Client Services sees to the needs of all Spectrum retail clients. They help construct portfolios that fit your needs, facilitate contributions and withdrawals, answer client questions and construct annual reviews. They also run comprehensive investment reports at any time. Our Client Services team is dedicated to you and are always available to help you in any way.


Robert Harmon
PHOTO ABOVE:
Robert with his wife Tracy & the 5 Harmon kids!
Education
OLD DOMINION UNIVERSITY
BS in Marine Biology
Interests
Surfing, basketball, bicycling, art, photography, reading, the beach, playing games, and traveling.

Robert Harmon
Client Services Team Leader

rharmon@InvestSpectrum.com
757.463.7600

Experience
I have over 20 years of experience in the financial advisory industry. I am currently the Client Services Team Leader at Spectrum Financial (Spectrum). I am also an expert on mutual fund analysis and portfolio strategy development. I began working with Spectrum in 1999 as a client services team member where my role was helping clients establish new accounts, portfolio reviews, and ongoing client service processes. In 2001, I transitioned into the Investment Services Team to assist in both trading operations and research by performing mutual fund research, fund screening processes, and outside the box thinking. I then stepped back into our Client Services team as the team leader. I am excited to bring my expertise and knowledge of our investment methods and products to our clients and shareholders in order to achieve the best allocation for them.

What drives me to wake up every morning and go to work?

I love talking with clients.

I believe every conversation is a learning experience for all involved. At Spectrum, we know that every client is unique and has a different set of goals. I want to help clients in every way possible to attain those goals. The financial services world is a never-ending and ever-changing landscape and even with my many years of experience, I learn something new every day and that makes what I do fun and challenging at the same time. At Spectrum, we have feeling and intention that we can make a difference in the world…and we do just that!

My specialties include: mutual fund analyst, portfolio strategist, client relationships, client communications, and portfolio construction.

Outside the business world, I enjoy spending time with my wife Tracy, and my 5 children, watching them play different sports, going to the beach and playing games. I also enjoy helping my church as the Treasurer/Coordinator, surfing, basketball, bicycling, reading, art and photography. I have traveled throughout the world and would encourage others to do the same.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"Every day is an adventure in this business. I enjoy the ongoing learning experience which is what keeps me motivated daily. I like to see our clients meeting their goals and I have witnessed that while working at Spectrum for over 17+ years."

—Robert Harmon




Heather Williams
PHOTO ABOVE:
Heather and her boyfriend Ben making new friends in Maui, Hawaii
Education
INDIAN RIVER HIGH SCHOOL
Theatre, field hockey, Alpha Omega Phi Tri Y, DECA.
Interests
Theatre, beauty products, food, baking, puppy, horror conventions, Sci-Fi conventions, comic conventions, films, and painting.

Heather Williams
Client Services Associate

Heather@InvestSpectrum.com
757.463.7600

Experience
My dedication to client services started early on when I learned about customer care and marketing in my high school’s marketing program. I improved my client services skills after working part time at Indian River Family Practice doctor’s office as a high school student and continued working full time for nine more years.

I am currently the Client Services Associate at Spectrum Financial. I was customer service certified at the age of 18 from 2007 to 2010. My credentials involve experience in processing and resolving financial requests, paperwork administration, professional interaction with clients, report creation, and data entry. Also, being the oldest of seven children by eight years, I helped raise them. I know what it means to be handed a challenging situation and turn it into a positive outcome by dedicating my life to hard work, discipline and accountability. These very same qualities I learned in life by helping at home, I have transferred over into every aspect of my life.

I am highly organized, self-motivated, and responsible. Some of my best characteristics are having initiative and time management skills. I learned very early through theatre what it means to be a team player. Also, playing sports growing up, more specifically, cheerleading and field hockey, really attributed to learning about reliability while contributing as a member of something bigger than just myself. I do my best work mid-day and enjoy theatre, acting, and attending conventions.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"The endless learning experience and the satisfaction when clients are happy about how their requests are being handled by our team. It is gratifying having the opportunity of making something easier for others."

—Heather Williams




Business Development Team
The Business Development Team
The Business Development Team oversees Spectrum’s marketing and sales efforts. They are also responsible for key accounts and institutional relationships. Our Business Development Team makes sure Spectrum is always looking ahead to be a competitive asset manager that adds value to our clients and shareholders.


Emily Frazier
PHOTO ABOVE:
Emily with her husband Raphael trying their best at a "photo laugh" in Portsmouth, Virginia during their engagement photo shoot.
Education
VIRGINIA TECH
Communications, Marketing, Public Relations, and Marketing Management
Interests
Fitness, traveling, family, and reading.

Emily Frazier
Business Development Team Leader
LinkedIn LinkedIn

Emily@InvestSpectrum.com
757.463.7600

Experience
My passion for marketing and finance started early on when I began developing marketing materials for Spectrum Financial (Spectrum) during my senior year in college. I am a 2012 graduate from the College of Liberal Arts and Human Services at Virginia Tech, where I earned my Communications and Marketing degree in the top 10% of my class. Directly after graduation I started my full time position in Marketing Services at Spectrum Financial. Soon after, I focused on Client Services where I took over client billing and database management through Spectrum’s partnership with Orion Advisor Services.

I am currently the Business Development Team Leader at Spectrum and the Vice President and Board Member of the National Association of Active Investment Managers. In the fall of 2013 I received Series 7 and 63 certifications. My credentials involve experience in establishing, maintaining, and building client relationships, performing market research and analysis, developing marketing campaigns and materials, exploring and discovering business opportunities, communicating with current and prospective clients, and overseeing the Orion Database.

I do my best work in the morning and enjoy fitness and learning about new things every day.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I love this industry and I think it is fascinating. The opportunity to connect with people is what excites me the most about my job, and communicating Spectrum’s story makes it even better."

—Emily Frazier




Andrea Luna
Courtsey of Robert Bradlee
PHOTO ABOVE:
Andrea sailing at Old Dominion University, Norfolk, VA.
Education
OLD DOMINION UNIVERSITY
Marketing & International Business
Interests
Sailing, playing volleyball, painting, traveling, family, and fitness.
Andrea Luna
Marketing Research & Specialist (Intern 2016-17)

Andrea@InvestSpectrum.com
757.463.7600

Experience
My passion for Business and Marketing started early in College and motivated me to learn more about the field. I graduated Magna Cum Laude from Old Dominion University on December 2015, where I obtained a Bachelor of Science degree in International Business and Marketing. Directly after graduation, I started working at Spectrum Financial.

I am currently a Marketing Specialist on the Business Development Team at Spectrum, assisting with public relations, designing investor content, creating contact pipelines, and investor relations. My main goal is to provide assistance in creating and carrying out Spectrum’s Business Development Plan and to learn about trading in order to contribute with strategies and ideas that add value to the Company.

My credentials involve experience in researching and summarizing different cultures and business environments, with a focus in Latin America and the Caribbean region. On the Marketing end, I have learned the fundamentals of marketing, research and consumer behavior, studying other areas like advertising, professional selling, negotiation and multi-national marketing; all with an ethical orientation in a global marketing environment.

As a student athlete, I have learned that hard work, discipline and perseverance enhance a person’s natural capabilities and develop the ability to make the best decisions, even under pressure.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I enjoy bringing new ideas to the team and how everyone at Spectrum live by similar philanthropic principles. This is evident when you see the interaction with clients."

—Andrea Luna




Information Technology
The Information Technology Team
Our IT team is responsible for all technology security and maintenance to keep Spectrum up and functioning efficiently and safely. They perform service maintenance, application support, aid in marketing technology, domain management, database management, programming, web design, SharePoint environments, domain management, firewalls, VPNs, remote access and antivirus monitoring. Their purpose is to ensure that our client’s information is safe and that Spectrum can operate comprehensively.



Elgin Green
PHOTO ABOVE:
Elgin playing his trumpet with the Hampton Roads Metro Band
Education
UNIVERSITY OF MARYLAND
Electronics Technology & Information Systems
TIDEWATER COMMUNITY COLLEGE
A.S., Electronics Technology
TAYLOR UNIVERSITY
Bachelor of Science (BS), Physics
Interests
Photography, music, website development, local church, and grandkids.

Elgin Green
Information Technology Team Leader

Elgin@InvestSpectrum.com
757.463.7600

Experience
I have over 20 years of experience in the computer industry, and have been leading the IT Team at Spectrum Financial (Spectrum) since 1997. My focus is hardware and software integration, database programming, and training.

Before joining Spectrum, I served in the US Army as a musician and Information Management Officer at the Navy School of Music. After retiring with 22 years of service, I was a Microsoft Consultant at USAA. In addition to IT responsibilities at Spectrum, I also assist the Investment Services Team with research and data analysis with a focus on strategic development and evaluation. I am responsible for the design, purchase, and control of the network, servers, workstations, application installation and integration, and application training.

What drives me to wake up every morning and go to work is solving technology problems and finding better ways to manage Spectrum’s important market and client data.

My credentials involve extensive experience in Microsoft Office productivity integration to enhance data visibility and sharing in an office environment. I also have experience designing data connections between numerous applications such as Microsoft Access, Excel, Word, Advent Axys, SharePoint, Outlook, and websites. I enjoy bringing new solutions amidst the changing technology parameters in our industry.

My specialties include: web design, Microsoft VBA, SharePoint, and InfoPath.

Outside the business world, I enjoy photography, website development, and worshipping at Colonial Baptist Church in Virginia Beach with my wife Carol. I am also a member of the Hampton Roads Metro Band as the trumpet section leader and the webmaster. I have three children and two grandchildren.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I enjoy solving problems on a daily basis. I also enjoy the people I work with and what we do as a Company. I like the stability and loyalty."

—Elgin Green




Scott Doudera
PHOTO ABOVE:
Scott with his wife Whitney on the Lynnhaven River in Virginia Beach, Virginia.
Education
NEW HORIZONS COMPUTER CENTER
Network & System Administration
VIRGINIA WESLEYAN COLLEGE
Bachelor's Degree, Business Administration and Management
Interests
Computers, fixing cars, surfing, running, snowboarding, boating, and bass guitar.

Scott Doudera
IT Specialist & Marketing Technology

ScottD@InvestSpectrum.com
757.463.7600

Experience
I have over 17 years of experience in the computer industry, and now lead in facilitating the technology needs of the Business Development Team at Spectrum Financial (Spectrum). Through the years, my focus has expanded from workstation and server support to web development, database management, and vba programming.

Before joining Spectrum, I was a Field Administrator at Newport News Shipbuilding through Kelly Technical Services. Before that, I gained experience as an IT Services representative at TEKsystems. In addition to IT responsibilities at Spectrum Financial, I often assist with internal and external client needs, and have a robust knowledge of how each department works in order to better maintain the functionality of all workstations and server equipment. I am responsible for SharePoint environment support, virtual and cloud backups, and Bloomberg terminal support.

Technology is my passion. It is what drives me to wake up every morning and go to work.

My credentials involve extensive technical experience, systems support, business development, facilitating client accounts, and trading. I enjoy bringing new solutions to the table and I am often considered as the cross team go-to guy. My specialties include: web design, Microsoft VBA, SharePoint, and database management.

Outside the business world, I enjoy spending time with my family. Morning routines always start with Bloomberg and Fox Business News. My hobbies include: running, surfing, boating, working on cars, and playing bass. Costa Rica is my favorite remote destination. I support charities such as Compassion International and my local church.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I like the small family business aspect of Spectrum. We provide boutique custom style offerings. Also, I like the flexibility and altruistic aspect of the Company."

—Scott Doudera




Business Services Team
The Business Services Team
The Business Services Team focuses on operational support of the other Spectrum Teams and oversees the compliance and accounting responsibilities. This team ensures that Spectrum is managed efficiently and upholds the highest standards in our industry.



Joan Georghiou
PHOTO ABOVE:
Joan & George
Education
SAMPSON COMMUNITY COLLEGE Administrative Assistant and Secretarial Science.
Interests
Modern quilting, traveling, food, and reading.

Joan Georghiou
Accounting Specialist
Joan@InvestSpectrum.com
757.463.7600
Experience
I have over 26 years of experience in the financial advisory industry. I am currently the Accounting Specialist at Spectrum Financial. My responsibilities and expertise include accounting/accounts payable, payroll administration and office operations.

I began working with Spectrum in 1990 as an Insurance Tech and Receptionist. Throughout my career at Spectrum, my responsibilities evolved and now, I assist in maintaining the Company’s accounting systems, human resources administration as well as the day to day operations. Spectrum provides portfolio management services to individuals, IRAs, corporate pensions, profit-sharing plans, 401Ks, charitable institutions, foundations, endowments, and trusts.

My specialties include: office operations, accounting, research, and personnel administration.

Outside the business world, I enjoy spending time with my husband. My hobbies include reading, traveling, modern quilting, and the restoration of vintage sewing machines.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"Talking to clients, working to improve the flow of day to day operations, balancing the numbers and using my accounting skills, all of which is like putting a puzzle together."

—Joan Georghiou




Neal Smith
PHOTO ABOVE:
Neal on the far right with son and wife at a Spurs game!
Education
AMERICAN UNIVERSITY
Bachelor of Arts, Political Science (Phi Sigma Alpha, National Political Science Honor Society)
Interests
Family, soccer, golf, reading, new technologies, research, Tottenham Hotspur Supporters' Club, and The Caribbean.

Neal Smith
Compliance Specialist

Neal@InvestSpectrum.com
757.463.7600

Experience
I have over 35 years of experience in the Financial Services Industry, specializing in coordinating and completing all government, regulatory and compliance documents for all business units. I have extensive experience in sales, investment, banking and compliance.

As a compliance specialist at Spectrum Financial, I research and analyze law sources such as statutes, legal codes and regulation interpretations, perform risk analysis studies in order to maximize protection of clients’ assets, and conduct quarterly staff training meetings. Spectrum provides portfolio management services to individuals, IRAs, corporate pensions, profit-sharing plans, 401Ks, charitable institutions, foundations, endowments, and trusts.

Prior to joining Spectrum Financial, I was an Assistant Operation Manager before obtaining a Financial Consultant role in 1982 at Merrill Lynch. Starting in 1990, as the Vice President of Investments for Signet Bank, I worked the next ten years on the Eastern Shore and Southeastern Virginia. I joined AXA Advisors in 2000 as Branch Compliance manager.

When I am not motivating clients and staff to insure compliance, I can usually be found spending time with my wife, my five children and grandchild. Also I like to play golf and spend time at the beach.
WHAT EXCITES YOU ABOUT YOUR JOB AT SPECTRUM?
"I love taking complex issues and breaking them down to their simplest components. One thing I like about Spectrum is the wonderful things we do for people we don’t even know."

—Neal Smith


© 2019 - Spectrum Financial, Inc.