Spectrum Financial, Inc. (“Spectrum Financial”) is a registered investment advisor located in Virginia Beach, Virginia. Spectrum Financial and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisors by those states in which Spectrum Financial maintains clients.

Blog Disclosure:

The content on this site is provided as general information only and should not be taken as investment advice. All site content shall not be construed as a recommendation to buy or sell any security or financial instrument, or to participate in any particular trading or investment strategy.  Ideas expressed on this site are solely the opinion of Spectrum Financial, others mentioned in any blog do not have an affiliation with nor do they endorse the opinions of Spectrum.  Any action that you take as a result of information or analysis on this site is ultimately the responsibility of the reader.  Consult an investment adviser before making any investment decisions.  This site contains the current opinions of Spectrum Financial and is subject to change without notice.  This site is for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.  The charts and comments are only the author’s view of market activity and aren’t recommendations to buy or sell any security. Market sectors, related ETFs or indices are selected based on the author’s opinion as to their importance in providing the viewer a comprehensive summary of market conditions for the featured period.  Chart annotations are not predictive of any future market action rather they only demonstrate the author’s opinion as to a wide range of possibilities going forward. All material presented herein is believed to be reliable but we cannot attest to its accuracy.  Spectrum Financial makes no representation as to, or accepts any responsibility or liability for, the accuracy or completeness of the information contained herein or any decision made or action taken by your or any third party in reliance upon the data.  Some results are derived using historical estimations from available data.  Opinions expressed in these reports may change without prior notice.  This content is based on information available to the public.  No representation is made that it is accurate of complete.  The investments discussed on this site may be unsuitable for investors depending on their specific investment objectives and financial position.

General Site Disclosure:

The publication of Spectrum Financial’s website/blog 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.

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.

Corporate Disclosure:

Facts you should know about how Spectrum operates from our Firm Brochures ADV Part 2 filed with the SEC http://investspectrum.com/pdfs/firmbrochure.pdf.  Additional information about Spectrum Financial, Inc. also is available on the SEC’s website at www.adviserinfo.sec.gov