Spectrum Financial Alliance Ltd., LLC

?? February Inflation Report: Positive Signs for the Market This morning’s Consumer Price Index (CPI) report showed inflation continuing to ease in February, coming in at 2.8%. With cooling inflation, the Federal Reserve has more flexibility to adjust interest rates and support long-term economic growth. Key Takeaways: ? Inflation remains on a downward trend ? Interest rate cuts may be on the horizon ? Market conditions are improving for long-term investors Click here to read more about February’s CPI report- https://loom.ly/3fhGAqE At Spectrum Financial Alliance, we focus on anticipating market trends and positioning portfolios ahead of economic shifts—not reacting to them. If you’re wondering how to optimize your investment strategy in this evolving landscape, let’s connect! View SFA disclosures at https://lnkd.in/eURA5Rfq

Investment markets have experienced a significant correction in recent weeks. Fears related to tariffs, higher inflation in the U.S., a potential government shutdown this Friday (if a continuing resolution is not passed in Congress), and recession concerns have combined to drive this most recent market correction. ?????? ????????? ??????’?? ?????????? ???? ????????, ?????? ???? ??????. ??????????, tariffs do not create higher inflation. However, excessive money printing and government overspending do. That’s what DOGE is addressing right now. Our firm believes they will be successful in reducing annual government spending by approximately $1 trillion per year, which will help control inflation. ????????????, we believe that by midweek, Congress will pass a continuing resolution, postponing budget issues until September. By that time, DOGE will have made significant progress in aligning structural costs with the continuation of the Trump 2017 tax cuts. ??????????, a recession is classically defined as two consecutive quarters of negative gross domestic product (GDP) growth. Based on the structural changes occurring at the national level, SFA believes that a recession is virtually impossible in the next few years. Instead, the most probable outcome is an extended period of above-average equity (stock) growth, accompanied by lower short-term interest rates and higher rates on intermediate- and long-term debt instruments. The market has experienced an approximate 10% correction, which historically occurs two to three times per year on average. ???????? ???? ?????????????? ??????. ???? ???????? ???????????????? ??????????????????????, ???? ?????????????? ???????????????????? ?????? ???????????????????? ??????, ?????? ?????????????????? ?????????????????? ????????! -See the full list of SFA disclosures at https://lnkd.in/ei6i-J_J

This morning’s February Jobs Report confirms what we’ve anticipated—continued economic stability with strong hiring trends. Nonfarm payrolls rose by 151,000, slightly below expectations, while unemployment ticked up to 4.1%. Key sectors like healthcare, financial services, and manufacturing added jobs, while government employment declined by 10,000—a shift that supports reduced federal spending and economic efficiency. ?????? ??????????????????, ?????? ?????? ???????????????? ???? ??????????: ?????? ?????????????? ?????????????? ?????? ?????? ???????? ???????? ???????????? ???? ?????????? ??????????, ?????????? ???????????? ???????? ???????????????? ?????????????????? ?????? ?????????? ???????????? ?????????????? ????????????. Falling Treasury yields further signal a favorable environment for stocks, particularly in value-driven sectors. The economy is stabilizing, inflationary pressures are easing, and monetary policy is shifting toward pro-growth conditions. At SFA, we position our clients ahead of these moves. If your advisor isn’t discussing these opportunities, let’s talk. https://loom.ly/xqnvYgM -See the full list of SFA disclosures at https://lnkd.in/ei6i-J_J

Recent market movements have raised questions about why banks are experiencing sharp declines. While headlines may suggest broader economic concerns, the reality is that these reactions are largely overblown. At Spectrum Financial Alliance, we believe this is a short-term market overreaction, and the long-term outlook for banks remains strong. ?????????????????????????? ?????? ??????????????: The recent drop in bank stocks can be attributed to three key factors: 1. Tariff Uncertainty and Market Overreaction Markets don’t like uncertainty, and the newly imposed tariffs on China, Canada, and Mexico have caused short-term market volatility. However, we believe these concerns are unfounded, as tariffs are likely to have only a temporary impact. Despite the noise, the fundamentals of the banking sector remain strong. 2. Banks as Economic Barometers Banks often act as indicators of future economic activity. When concerns about a potential slowdown arise, banking stocks tend to suffer first. Investors fear that if economic conditions worsen, banks may be required to hold larger reserves, which could temporarily reduce their earnings. However, these concerns are largely speculative and not reflective of long-term trends. 3. A Natural Market Pullback Bank stocks have seen significant gains over the past 12 to 18 months, making them ripe for a short-term pullback. It’s common for sectors that have outperformed to experience temporary dips as investors take profits. This is not a sign of weakness, but rather a normal market adjustment. ?????? ???????????? ??????????????: ?????????? ?????? ?????? ?????? ????????????: Despite these short-term pressures, the long-term outlook for banks is compelling. Here’s why: ? Low Valuations, High Dividends – Banks are trading at attractive valuations while offering strong dividends, making them an appealing investment for long-term growth. ? Pro-Business Policies – The new administration is expected to roll back excessive banking regulations, easing lending restrictions and creating a more favorable environment for financial institutions. ? Future Gains Not Yet Priced In – The market has not yet accounted for the positive impact of a business-friendly administration. As regulatory burdens ease and lending accelerates, we expect bank stocks to see significant upside. ?????????? ???????????????? Short-term market reactions do not define long-term trends. While bank stocks may be experiencing temporary volatility, the sector remains fundamentally strong. At SFA, we position our clients ahead of market trends, not behind them. If you have questions about how to navigate today’s market environment, let’s talk. Our team is here to help you make informed, strategic investment decisions that put your financial future first. Contact us today! https://loom.ly/lVrMHkA -See the full list of SFA disclosures at https://lnkd.in/ei6i-J_J

Matt Yeich has joined the team here at Spectrum Financial Alliance as the Marketing Manager. Matt graduated from Louisiana Tech University with a bachelor’s degree in marketing and received his MBA from the University of Kentucky. Matt joins the SFA team with over 7 years of experience. Matt has lived in the Lexington local area for the past 17 years. In his free time Matt likes to spend time with his wife and their son and two dogs; Cash and Gumbo. Matt also enjoys baseball, spending time outdoors, traveling, and Kentucky basketball. We are very excited to welcome Matt to the SFA team!

?????????????? ???? ???? ?????? ???????????????? ???????????? ??????????????: ?????????????? ?????????? ?????? ??????????????? You're not alone! This week, in Episode 21 of The Building Wealth Podcast, Kelly Buckley, Managing Principal and Founder of Spectrum Financial Alliance, breaks down the key factors driving market swings and how SFA remains calm and forward thinking! Don’t let uncertainty dictate your financial future. Tune in now and gain the confidence to navigate the markets with clarity. ?? Listen here: https://loom.ly/cSJQ6oE - See the full list of SFA disclosures at https://lnkd.in/ei6i-J_J

By: Camden Miracle, Director of Financial Planning A major retirement savings opportunity is coming in 2025—but did your advisor make you aware of it? If not, you have to ask yourself: What else are they missing? The SECURE Act 2.0 introduces a super catch-up contribution for individuals aged 60 to 63, allowing them to contribute the greater of $10,000 or 150% of the standard “catch-up contribution” to their 401(k). This is a critical opportunity to maximize retirement savings, lower taxes, and secure a stronger financial future. At Spectrum Financial Alliance, staying ahead of regulatory changes isn’t optional—it’s our job. Many advisors react to changes. We anticipate them. If your advisor hasn’t updated your plan to take advantage of this, what else are they missing? Your retirement is too important to leave in the hands of a passive advisor. Let’s ensure you’re making the most of every opportunity. Contact SFA today. Your future self will thank you! https://loom.ly/xqnvYgM

Mary Bryson has joined the team here at Spectrum Financial Alliance as our Director of Operations and General Counsel. Mary graduated from the University of Kentucky College of Law with a J.D. and has a Bachelor of Arts in Government and History from Centre College. Mary has lived in Lexington for the past 5 years and has lived around Kentucky her entire life. In her free time, Mary likes to spend time with her husband Andrew, their 4-month-old daughter, Caroline, and two dogs, Reagan and Owen. She also enjoys reading, baking, and gardening when time allows! Please give a warm welcome to Mary, joining the SFA team!

Kaylee Moffett has joined the team here at Spectrum Financial Alliance as our new Manager of Client Relations! Kaylee graduated from the University of Kentucky’s Gatton College of Business with her bachelor’s degree in business administration-marketing. Kaylee has lived in Lexington for the past 28 years. In her free time Kaylee likes to spend time with her fiancé, playing video games, doing art, crocheting and crafting. Kaylee has served in the Finance industry for almost a decade and is excited to help serve you with excellence! We are very excited to welcome Kaylee to the SFA team!

?????????????? ?????????? ??????????: ?????????????? ???????? ???? ???????? ?????? ???????? Capital gains taxes can take a bigger bite out of your investment returns than you might expect. Without the right strategy, they can chip away at your long-term wealth, leaving you with less to reinvest, enjoy, or pass on to future generations. ?????????????????????????? ?????????????? ?????????? ?????????? When you sell an investment for more than you paid, you trigger a capital gain—and the IRS is ready to collect. The amount you owe depends on ?????? ???????? ??????’???? ???????? ?????? ?????????? and your income level: ? ??????????-???????? ?????????????? ?????????? (assets held for ?????? ???????? ???? ????????) are taxed as ordinary income—potentially as high as ????%. ? ????????-???????? ?????????????? ?????????? (assets held for ???????? ???????? ?? ????????) are taxed at more favorable rates—??%, ????%, ???? ????%, depending on your income level. A well-planned strategy can minimize the impact of these taxes, keeping more of your hard-earned wealth working for you. ?????????????????? ???????????????????? ???? ???????????? ?????????????? ?????????? ?????????? At ???????????????? ?????????????????? ????????????????, we take a ?????????????????? ???????????????? to managing capital gains. Here’s how we help can help YOU minimize unnecessary tax burdens: ??. ??????-???????? ???????????????????? – Offsetting taxable gains by selling underperforming investments at a loss. ??. ???????????????????? ?????????????? ?????????????? – Selling too soon can trigger ???????????? ??????????, so we analyze your investments to help avoid this. ??. ?????????????????? ?????????????? – Donating appreciated assets to ???????????????????? ?????????????????????????? can eliminate capital gains taxes while also gaining a tax deduction for the full amount given. ??. ??????-???????????????????? ???????????????? – Using IRAs and 401(k)s to ???????????? gains from immediate taxation and allow for tax-deferred growth. ??. ???????????? ???????????????? ???????????????????????????? – We can connect you with trusted professionals who specialize in estate strategies. Taking advantage of tools like the ????????-???? ???? ?????????? ???????? can ???????????? the tax burden for your heirs when structured properly. ?????? ???? ?????????????? Smart tax planning isn’t just for the wealthy, it’s a critical part of building and protecting financial security. ??????’?? ??????????????-?????????????? ???????????????? is designed to optimize the long term potential of your financial resources. ??????’?? ???????? ?? ???????? If you’re not sure how capital gains taxes impact your financial future—or how to minimize them—let’s talk. ?????????????? ???? ?????????? ?????? ?? ?????????????????????????? ???????????? and take the next step toward ???????????????????? ???????? ?????????????????? ??????????????????. https://lnkd.in/evVFFnBu -SFA disclosures: https://lnkd.in/ei6i-J_J