Transforming the Way You Invest

Emily serves as Chief Development Officer at Spectrum Financial, where she oversees the firm’s retail investor services team as well as advisor and institutional investor relationships.

Emily’s role includes overseeing procedures, compliance coordination, client communication, and operational processes. In addition, she directs Spectrum’s marketing and business development initiatives, conference participation, sponsorships, and client communications while also supporting the distribution of the Hundredfold and Spectrum fund families in partnership with Advisors Preferred.

Emily joined Spectrum Financial after graduating from Virginia Tech in 2012 with a degree in Communications and Marketing, finishing in the top ten percent of her class. Over the past fourteen years, her role has expanded significantly as the firm has grown, and she now serves as a member of the firm’s leadership team.

She holds Series 7, Series 63, and Series 65 licenses and has earned the Certified Kingdom Advisor® (CKA®) designation. Emily also serves as Past President and current board member of the National Association of Active Investment Managers (NAAIM), an organization dedicated to supporting active investment managers and advancing industry education.

Emily is passionate about helping clients and advisors better understand investment strategies and market dynamics through clear and effective communication. She enjoys working closely with advisors and clients to ensure they have the information and resources needed to make informed financial decisions.

Emily was born and raised in Virginia Beach, Virginia, where she continues to live with her husband, Raphael, and their three children, Ambrose and twins Selah and Penelope. Outside of work, she enjoys camping with her family and hosting gatherings with extended family and friends.

Robert is a Senior Client Relationship Manager in Investor Services at Spectrum Financial with nearly three decades of experience in the financial services industry. He works closely with clients to support their long-term financial plans and provide guidance as they navigate important investment decisions.

Before joining Spectrum Financial, he worked with Waddell & Reed Financial Services. He is a graduate of Old Dominion University and has spent 29 years building experience in client service, investment markets, and long-term financial planning.

In his role at Spectrum Financial, he focuses on understanding each client’s financial objectives, time horizon, and tolerance for risk. He believes effective client service begins with listening and careful planning, as no two clients have the same goals or circumstances. He works diligently to ensure clients remain aligned with their long-term investment strategy.

He is known for his accessibility and commitment to client service. With decades of industry experience, he provides clients with thoughtful guidance and clarity as they navigate important financial decisions.

Originally born in Australia while his father was stationed there with the U.S. Navy, he has lived in Virginia Beach since childhood. He and his wife, Tracy, enjoy spending time with their five children and staying active with their family.

Ashley Lust is a Client Specialist in Investor Services at Spectrum Financial, where she supports the firm’s client service and operational processes. She works closely with clients and internal teams to assist with account setup, asset transfers, distributions, and ongoing service requests, helping ensure a smooth and efficient client experience.

In her role, Ashley manages a variety of operational responsibilities including account administration, regulatory and compliance-related processes, and task coordination across both institutional and retail client accounts. She also assists with scheduling client meetings and events and helps identify opportunities to improve internal processes and workflow efficiencies.

Before transitioning to financial services, Ashley spent 18 years in the dental field, where she developed a strong foundation in precision, attention to detail, and client care. She brings those same skills to her work at Spectrum Financial, focusing on providing clear communication and reliable support to clients and colleagues.

Ashley was born and raised in Virginia Beach and continues to enjoy spending time at the beach, traveling, and reading. She especially values time with her extended family and her many nieces.

Ralph Doudera is the Founder and Chief Executive Officer of Spectrum Financial and Head Portfolio Manager for the Spectrum Funds. He has been active in the investment industry since 1973 and has led the firm’s investment strategy and portfolio management since its founding. In addition to his role at Spectrum Financial, Ralph serves as Managing Member of Hundredfold Advisors, LLC and portfolio manager for the Hundredfold Select Alternative Fund.

Ralph holds a degree in Mechanical Engineering and a Master’s degree in Management and Finance from the New Jersey Institute of Technology. He also earned a Master’s degree in Biblical Studies from Regent University.

Throughout his career, Ralph has written and spoken extensively on investment strategy and the stewardship of wealth. He has authored more than 115 Spectrum Quarterly newsletters for clients and shareholders and has lectured on investment topics for organizations including the National Association of Active Investment Managers (NAAIM). His work has also appeared in Investment Advisor magazine, including the article “Beating Buy and Hold: A Thinking Man’s Guide to Market Timing.”

Ralph is the founder of the Simply Distribute Foundation, a public charity dedicated to supporting organizations focused on microfinance, children’s hospitals in developing countries, orphan care, church development, and evangelism leadership. The foundation reflects his belief that responsible stewardship of wealth can create meaningful and lasting change in the world.

He is the author of Wealth Conundrum, a book exploring the challenges and responsibilities that come with wealth, now in its third printing and available in multiple languages including Korean and Arabic.

Ralph has five children and eight grandchildren. He and his wife, Gina, divide their time between Virginia Beach and their ranch in Texas. Together they are passionate about investing in the lives of others and host retreats at Casa Cecilia, their beachfront property in Santa Teresa, Costa Rica. These gatherings are designed to provide rest, adventure, and space for individuals to seek God’s guidance and affirm His plan for their lives.

Outside of work, Ralph’s interests range from auto racing to composing music and playing piano on his church worship team. He also enjoys surfing in Costa Rica.

Mary Collins is President, Chief Financial Officer, and Chief Compliance Officer of Spectrum Financial, where she oversees the firm’s leadership, corporate strategy, financial management, and regulatory compliance. She is responsible for organizational structure, operational procedures, and maintaining the firm’s comprehensive compliance program. Mary also serves as a member of Spectrum’s portfolio management team.

Mary joined Spectrum Financial in 1988 as a financial planner and has played a central role in the firm’s growth and development for more than three decades. Today, the firm provides portfolio management services for individuals, retirement plans, charitable organizations, foundations, endowments, and trusts, and serves as sub-advisor to several mutual funds.

She graduated from Old Dominion University with a degree in Business Administration with a concentration in Corporate Finance and holds the Chartered Financial Consultant® (ChFC®) designation.

Outside of Spectrum, Mary serves as managing member of Hundredfold Advisors, LLC and as Chairman of the Simply Distribute Foundation, a public charity whose mandate is to distribute nearly all contributions annually. The foundation has distributed over $15 million to eight named charities in the areas of education, medical services, microfinance, and evangelism. Giving back to the community has always been important to her. She believes wealth carries responsibility and that those who have been given much should distribute generously.

Mary lives in Virginia Beach with her husband, their five children, and ten grandchildren. The family also has two German shepherds, Bo and Rip, who keep things lively at home. Family has always grounded her and reminded her why building something stable and enduring matters. The work Spectrum does serves people during some of the most important financial seasons of their lives, a responsibility she takes seriously every day.

Chris Hendrix serves as Chief Investment Officer at Spectrum Financial, where he leads the firm’s portfolio management and investment research efforts. In this role, he oversees the portfolio management team and is responsible for guiding the firm’s investment strategy, market analysis, and portfolio positioning across Spectrum’s investment strategies.

Chris played a key role in the design and development of Spectrum’s equity strategy and continues to lead the research and analysis that informs the firm’s active investment approach. His work focuses on evaluating market trends, sector dynamics, and technical indicators to identify opportunities and risks across changing market environments.

Chris has more than three decades of experience in the investment industry and began trading in the mid-1980s. Prior to joining Spectrum Financial, he worked at Timberline LLC. He is a graduate of Florida State University and earned the Chartered Market Technician® (CMT®) designation in 1998, reflecting advanced expertise in technical analysis and the study of market behavior.

Chris lives in Virginia Beach with his wife, Shannon. They have four children and five grandchildren. Outside of work, he enjoys golf and has designed golf simulator courses for indoor play. He is also active in his local church community. Faith shapes how he approaches both work and life, reminding him that success is not only about returns but about serving others and being reliable when people depend on him.

Kristian Peros serves as Portfolio Strategist & Trading Operations at Spectrum Financial, where he supports the firm’s investment process through portfolio strategy implementation, trade execution, and coordination of portfolio operations. He works closely with the investment team to translate Spectrum’s investment methodology into tactical portfolio adjustments across client portfolios.

In this role, Kristian executes trades, monitors portfolio positioning, and assists with the operational processes that support the firm’s investment strategies. His work focuses on implementing portfolio adjustments in response to changing market conditions while helping maintain disciplined portfolio construction designed to manage volatility and risk.

Kristian is particularly interested in the concept of convexity—the ability to structure portfolios in ways that seek to capture upside opportunities while limiting downside exposure. He approaches portfolio strategy with a focus on combining analytical insight with precise execution in dynamic market environments.

Kristian is a graduate of the University of North Carolina Wilmington and joined Spectrum Financial in 2023. Originally from North Carolina, he now lives in Virginia Beach. Outside of work, he enjoys studying trading strategies, analyzing market behavior, and spending time at the beach.

Michael Phetvixay serves as an Investment Specialist at Spectrum Financial, where he supports the firm’s investment process through trading execution, market research, and portfolio analysis. He works closely with the investment team to monitor market developments, assist with trade implementation, and help translate research insights into portfolio positioning across client accounts.

Michael has more than a decade of experience in the financial industry. Prior to joining Spectrum Financial, he worked at Alpine Securities, where he developed experience in trading operations and market analysis. His work focuses on identifying market drivers, evaluating market behavior, and helping simplify complex investment concepts to support informed decision-making.

Michael holds a Bachelor of Science in Financial Economics from BYU–Idaho. Earlier in his career, he spent time living in Thailand, an experience that broadened his perspective on global markets and the ways different cultures approach economics, risk, and value.

Michael lives in Newport News, Virginia with his wife, Whitney, who works as a nurse. Outside of work, he enjoys outdoor activities and a wide range of sports including skateboarding, snowboarding, mountain biking, and wrestling. He is a member of The Church of Jesus Christ of Latter-day Saints and supports organizations dedicated to combating human trafficking.