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Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in any newsletter will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio.

Due to various factors, including changing market conditions, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Spectrum Financial, Inc.
Historical performance results for investment indices and/or categories have been provided for general comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that Spectrum program holdings do or will correspond directly to any comparative indices. A copy of Spectrum's current written disclosure statement discussing advisory services and fees is available upon request and under Disclosures on our website.

I have read the above disclosure and understand that this is not a solicitation to do business with Spectrum Financial, Inc. Website newsletters exclude performance related articles and returns.