IS IT TOO LATE… AGAIN… TO INVEST??

It is NEVER too late!! Year to date, OUR AVERAGE CLIENT ACCOUNTS HAVE APPRECIATED 15.32%* compared to Dow Jones of 11.28%, as of April 29th, 2021!! In our October 28th, 2020 video, posted to all social media, we stated that “We are expecting an extremely strong...
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GREAT NEWS!

Qualcomm (QCOM), our firm’s third-largest client portfolio holding, reported exceptional earnings yesterday, and exceeded analysts’ estimates! Here's how the company did: EARNINGS: $1.90 per share, adjusted, vs. $1.67 per share, expected by analysts. REVENUE: $7.93...
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Do you work the second or third shift at your job?

Do you work the second or third shift at your job? Do you find it hard to schedule meetings or appointments due to being unavailable during regular working hours? Like you, I know it can be challenging to find the time and energy to do important tasks before or after...
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26 years ago, I made the best decision of my life.

With experience as both a successful stockbroker and a hybrid advisor (combination of a stockbroker and Registered Investment Advisor-RIA), and for many years now operating solely as a fiduciary RIA, I have seen all sides of the investment business. I’ve learned that...
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Retail sales & first-time unemployment claims exceeded economists’ expectations!

Retail sales exploded in March, as consumers used stimulus checks to spend heavily, and first-time unemployment claims plunged. Both of today’s reports heavily exceeded economists’ expectations!! Retail sales boomed 9.8% higher in March: Economists expected a gain of...
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GREAT NEWS!

Bank of America (BAC) and Citigroup (C) both reported exceptional earnings reports today, which exceeded Wall Street’s analyst expectations on first-quarter profits, revenue, and earnings per share! In the earnings reports, both companies also announced that they have...
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Who shook the jar?

MUST READ! If you collect 100 black ants, and 100 red ants, and put them in a glass jar - nothing will happen. But if you take the jar, shake it violently, and leave it on the table, the ants will start killing each other. Reds believe that black is the enemy - while...
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ONE STEP CLOSER TO THE END OF COVID-19!!

CDC Director Dr. Rochelle P. Walensky said this past Tuesday, that COVID-19 "Vaccinated people do not carry the virus, don't get sick, and that is not just in the clinical trials but it's also in real world data." That data came from a CDC study released Monday. The...
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COVID-19: Lessons for Elected Leaders

May 6, 2020 One lesson our nation's elected leaders should learn from COVID-19, is that common sense should take precedence over fear bound decision making. As of today, Kentucky has 5,245 known confirmed cases of COVID-19. We also have 261 tragic COVID-19 deaths....
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It’s Already Past Dawn!

April 9, 2020 In the past month with our nation’s economy, the world economy, and your investment values have taken a major hit. Most of the financial damage was done in a very short 2-3-week period. This is very representative of the fact that when markets...
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A Note on the Paycheck Protection Program:

April 9, 2020 I want all of our client’s, friends, and family to know that Spectrum Financial Alliance Ltd., LLC has participated in the Paycheck Protection Program (PPP) and received notification of our approval under that program within 2 ½ working days...
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Small Business Administration: Paycheck Protection Program

April 3, 2020 If you know someone who owns a business, is a sole proprietor, or a contract employee and you want to help them, the information below is critically important! The Small Business Administration (SBA) has implemented the Paycheck Protection Program (PPP)...
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Market Update: April 2, 2020

April 2, 2020 On March 23rd, 2020, we believe that the market reached its’ low point with a closing value of 2,237 on the S&P 500. Yesterday the equity market reacted adversely to the President’s news conference Tuesday night where it was announced that our...
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Coronavirus Related Leave Act

March 23, 2020 On Friday, March 20, 2020, the U.S. Treasury Department, Internal Revenue Service (IRS), and the U.S. Department of Labor (Labor) announced that small and midsize employers can begin taking advantage of two new refundable payroll tax credits, designed...
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Investing with Confidence!

February 26, 2020 The one certainty in equity investments is that if held long-term, they have never failed to provide a great return. Problems come and go but, inevitably, higher long-term corporate earnings push equity prices upward. Note the Ibbotson chart below...
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Coronavirus: No Intermediate or Long-Term Impact on the Market!

February 24, 2020 This morning equity markets around the world are markedly lower due to another increase in fear pertaining to the coronavirus. The Coronavirus epicenter was in Wuhan, China and is centered primarily in Asia. But this weekend there were reported cases...
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10/3/19: Comments on Recent Market Selloff

In recent days, we have experienced a selloff from the new market highs reached in September 2019. This selloff is normal as equity owners take profits off the table and as uncertainty of international trade again raises its head. This should be very short-term! The...
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Very Important Commentary on Recent Market Volatility

Turbulent markets and a very temporary inversion of the yield curve have caused overly emotional speculation of an impending recession. All of the fear generated in our markets are wrapped up in the trade dispute with China. Yesterday was a big down day in the markets...
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A Normal Correction

Since the market opened last Thursday, we have seen the market give up a portion of this year’s extraordinary gains. The S&P 500 index as of this morning at 11:40am is down 2.25%. Let’s differentiate between a normal “correction” and a longer-term, more serious...
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