Play the Long Game

May has not been a friendly month for our nation’s equity markets. Through yesterday’s close, the S&P 500 Index is off 5.33%. This means that, for the first five months of 2019, Spectrum clients have annualized returns, net of all costs, of 12.53%, but also have...
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Investment Philosophy

After 32 years of practice and having the privilege of working for so many wonderful and incredible folks, as well as having the best staff I have been privileged to work with, you’d think I would be able to more clearly and persuasively explain how our firm has the...
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Market Update: March 22, 2019

Today the market, as measured by the S&P 500, is down 1.63% (as of 3:35pm EST) on a renewed (and completely irrational) fear of a yield curve inversion (which has not occurred and is extremely unlikely to occur in the intermediate future) and the fear of worldwide...
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Market Panic Enters Last Stages

The equity markets’ negative returns, and the large negative sentiment, have been driven by a fear of Chinese trade issues, Federal Reserve policy issues, and now the market’s downside, we believe, has all but burned itself out. Irrational market panics, like this,...
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A Major Step Forward!

Mike Reich, who you may know has been with our firm for over three years, recently graduated from the University of Georgia with a master’s degree in Financial Planning and successfully passed the Certified Financial Planner™ exam last month. Now that Mike has...
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12-6-18 Intelligent Investing

December 6, 2018 The past two months of slow market decline have brought our firm’s returns down, from the first of the year, to approximately -5%. The real question is: what’s causing this short-term decline in what we believe is a very long-term secular market? We...
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November 20, 2018: Fourth Time is a Charm

November 20, 2018 Fourth Time is a Charm! Markets, as they occasionally do, have declined over the past month. Since early October of this year we have experienced another retest of the early February 2018 lows. This year, there have been several retests...
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October 25: Current Market Outlook

October 25, 2018 From October 3rd through yesterday, October 24th’s, close, the S&P 500 lost approximately 9.2% of its value. This negatively impacted the majority of our clients’ portfolios and concluded, what we believe, is the third “retest” of the...
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August 30th: A Look Ahead

A Look Ahead Since our June 8th newsletter, Anticipate the Ball, a lot has happened in our economy. In this letter I would like to discuss the import of some of the national/international news in terms of how it affects your portfolio and cover our...
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History and Peace were made today!

  History and Peace were made today!   President Trump and his team have made history in a very short period of time with the concurrence and agreement made with North Korea to completely denuclearize the Korean Peninsula. After billions of tax dollars were...
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Anticipate the Ball

June 8, 2018 Anticipate The Ball When you think about it, in almost any sport the most outstanding player seems to always be around the ball. They tend to make the big catch in a football game. They tend to have the most rebounds on a basketball court. They tend to be...
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Ibbotson SBBI

This chart pertains to Spectrum Financial Alliance's conference call on 4/2/18, Understanding Recent Market Movement and Expected Investment Returns This...
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US Economic activity continues to increase

November 30, 2017 It’s hard to believe that it is almost December 1! We hope your Thanksgiving was wonderful! So much has happened in all of our lives, in our economy and in our wonderful country throughout 2017. This letter is intended to share what we expect...
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Tax Reform

On Thursday October 26, 2017 the United States House of Representatives unexpectedly approved a $4 trillion budget plan for our nation that paves the way for badly needed tax reform to likely occur this year. The senate had passed the measure last week, and the US...
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Economic Effects of North Korea Threats

Recently, several clients have asked questions pertaining to the North Korea situation which, over the past two days, has caused some settling in the equity markets. President Trump has been facing a lot of criticism for his so-called “harsh language” and...
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2017 First Half Round Up and a Look Ahead

August 3, 2017  2017 First Half Round Up And A Look Ahead  A lot has happened since our last letter of April 28th. Once again, we’ve seen how powerful political intrigue and influence from D.C. can shape investor perceptions, risk assessment, and...
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Connect with Us!

As you may be aware, a lot happened yesterday in the news. We believe that the market’s negative reaction was clearly caused by the fear that Trump will not complete his agenda. Due to today’s technological advances, information is moving much faster and...
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Two Steps Forward, One Step Back

The path of humanity is clearly, throughout the decades, progress. Despite this, we still harbor investment fears and doubts. In the investment world, our doubts are exasperated by having lived through a dramatic market decline in 2008. But inevitably, and as we...
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Arconic Vote

You might be aware that recently you have received multiple solicitations pertaining to the election of the board of directors for Arconic. This election will be conducted at the company’s 2017 annual meeting of shareholders. I’ve reviewed the information...
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History Was Made!

A momentous event occurred on November 8, 2016.  This event was predicted by our firm in the letter sent to you on September 16, 2016 when we stated “I believe Donald Trump will win the Presidential election by a large margin (2%+ points).” On the...
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