In all of our financial services, OUR NUMBER ONE PRIORITY IS THE CLIENT. You may ask, "Isn’t this the stated priority of all financial services firms?" Our response would be “yes” this would be the “stated response”, however; IN PRACTICE how often is this really carried out? How often ARE YOU INCLUDED in the investment decisions made on your behalf? How often does the firm working with you CONTACT YOU with new investment opportunities, strategies or tactics they wish to implement on your behalf, then explain and outline those TO YOU TO YOUR SATISFACTION? How often do you have formal investment reviews where YOUR INVESTMENTS PERFORMANCE ALONG WITH A DISCUSSION OF FUTURE INVESTMENT DIRECTIONS PLANNED FOR YOU ARE thoroughly discussed with you to your satisfaction?

At Spectrum Financial Solutions, THE CLIENT IS PRIORITY NUMBER ONE. To that end WE do the following:

• Because WE ARE dynamic and proactive, WE contact you when new investment strategies, tactics, or investment opportunities present themselves to be utilized FOR YOUR BENEFIT. These are thoroughly discussed with you PRIOR to implementation.
• WE carry out quarterly investment reviews where the performance of YOUR INVESTMENTS is discussed TO YOUR SATISFACTION. Our opinions about the financial market future movements are outlined. It is true that many clients may not require this service, however; WE provide for it.
• We send out TO ALL CLIENTS our monthly Newsletters for their review. Those Newsletters outline economic or financial news topics that, IN OUR OPINION, the client MUST BE MADE AWARE OF. Many times, our future investment opinions and directions ARE CLEARLY OUTLINED for all clients to review and understand.
• WE are not interested in being listened to. WE ARE INTERESTED IN BEING UNDERSTOOD! WE take the extra steps required with the client to make sure that in all discussions, reviews, and updates, that it IS the understanding of what WE do and what directions WE recommend for the client that ARE understood.
• WE utilize a Value Investing approach. This means that WE identify Global investments whose intrinsic value IS not being properly reflected by the Global financial markets. With our emphasis on identifying long term trends in the Global economic, financial, or political arenas, WE recommend obtaining investments that ARE undervalued relative to these trends or that have long term value and appreciation potential DUE to these Global trends.
• WE pay particular attention to dividends and yields, especially in today’s Global economic environment. Dividends ARE KEY IMPORTANT in building increasing portfolio values. According to Standard & Poor’s, of the total returns of the S&P 500 Index over the last 80 years, the dividend component of that index was responsible for 44%-46% of the overall returns achieved. That is, if dividends were reinvested, the overall S&P 500 Index return was 44%-46% larger. We understand that capital gains thru asset price appreciation ARE NOT the only consideration in judging various investments.
• WE utilize a “Buy and Hold” strategy. Investments that WE recommend are obtained and held UNTIL SUCH TIME that the original economic, financial, or political reasons used to recommend such investments change at which time WE reevaluate the recommended investments for future return potential. WE don’t subscribe to the “Buy, Hold and Forget about it” approach.
• WE attempt to continually exploit Global financial market psychology by acting in a Contrarian fashion. This is due to the FACT that it has been proven repeatedly that most investors “fall prey” to market conditions by reacting with emotion rather than with rational logic. Investment decisions become clouded due to the fact that they are emotionally driven. Stampeding up the high mountain when markets are rising and stampeding down the mountain when markets are falling. By taking a Contrarian position, WE attempt to exploit this Global financial market “mindset” for the benefit of our clients.
• All assets judged as potential investments or utilized as potential investments carry a degree of risk. That degree of risk varies with the investment asset or assets being considered for investment. This is true regardless of whether the investment asset under consideration is Residential, Commercial Real Estate, Equities, Bonds, Precious Metals, Commodities, Energy, Cash, Collector Cars, Art Work, Coins or anything else one can consider an investment. There is no such thing as a guaranteed investment that never has the potential to lose value and always will provide a market rate of return or higher.

IF all or any of the above items are important considerations in your investment strategy, then our firm may be the right choice for you to make.