Spectrum Financial, Inc.

incorporated in 1986 by ralph doudera, the primary objective of spectrum financial, inc. (spectrum) is to achieve consistent rates of return that are in excess of a buy/hold strategy over a complete market cycle and provide liquidity by preserving the purchasing power of the assets under management. spectrum provides separately managed account portfolios for multiple types of investors and account types including individuals, iras, corporate pension, profitsharing, 401k, charitable institutions, foundations, endowments, and trusts through a variety of actively managed strategies. spectrum has also entered into an agreement with advisors preferred (ria) to provide sub-advisory services to the spectrum funds (spectrum low volatility fund and spectrum advisors preferred fund). the objective of these funds is to achieve consistent rates of return that are in excess of non-actively managed strategies within the asset category of the funds. both individual and institutional share classes are