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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Economic Reality Approaching the Election

It’s almost hard to believe that summer’s end is near. 2016 began with a huge thud when we experienced the worst January for investment market performance on record. January’s decline got our year off on a terrible note and was primarily caused by...
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Update on Keryx

Yesterday we closed out of approximately half of our KERX positions. KERX surprised investors early Monday with news of a supply disruption with their drug Auryxia. KERX set expectations that the supply issue will not be resolved until late this year. We...
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The Richest Man in Babylon

The Richest Man in Babylon by George S. Clayson is one of the best books about growing wealth ever written, and it is one of my favorite books of all time.  I read it at least once a year, and encourage everyone to read it as well.  The lessons in this...
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Our Banks Continue to Get Stronger and Stronger

At Spectrum Financial Alliance, we believe that large national banks will be the biggest beneficiaries of interest rate increases.  That makes sense when you look at one of the primary sources of income from the banks: interest on loans and credit cards. ...
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Free Financial and Life Skills Boot Camp for Grades 6-12

When: July 20 - 22 10 a.m.- 4 p.m. Where:  Spectrum Financial Alliance, Ltd., L.L.C. 105 Wind Haven Drive, Nicholasville, KY 40356 RSVP: (859) 223-6333 or SFA@spectrumalliance.com Cost: Nothing! This is our way of giving back. Thank you for your business!...
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Brexit Impact

As we discussed yesterday this may be a short-term negative for us but I do mean weeks- not months. We're likely to give up about twice of what we gained yesterday of approximately 2%. Intermediate term, meaning three weeks or more, it's a non-event for...
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Happy Flag Day!

239 years ago, on June 14, 1777, America officially adopted the Stars and Stripes as our national flag.  108 years later, in 1885, BJ Cigrand, a school teacher in Wisconsin decided to celebrate the “Flag Birthday” with his students.  Over the next several...
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Why We Stayed in the Market!

A Picture is worth a thousand words. Take a look at this one from Yahoo! Finance: It’s probably no surprise that from the beginning of the year through February 11, the S&P 500 Index fell from 2,044 down to as low as 1,829. That is a 10.52% drop in a...
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Add Money Now! (Or Reasons Not to Sell After a Market Downturn)

The start of the new year has obviously not been kind for those invested in the equity markets.  The short but steep decline of the summer of 2015 is still fresh in everyone’s minds as we retest those lows.  For those who were substantially invested in...
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Spousal Benefit Question

Hello Clients and Friends, Last night we had a great time at the Estate Planning and Insurance Night, where we talked about many important aspects of our financial lives. Even with a couple of technical difficulties, I think the evening was a success, and...
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