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Spectrum Financial Alliance Ltd, LLC

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Nicholasville, KY
Spectrum Financial Alliance Ltd, LLC

We are a fee-only, veteran-owned wealth management firm located in Lexington, KY. As a true fiduciary, we act in our clients' best interest 100% of the time. C.

https://linktr.ee/sfawealth Spectrum Financial Alliance, Ltd., L.L.C., is a comprehensive wealth management firm with expertise in Retirement Planning, Wealth Management, Investment Risk Management, 401(K) and 403(b) Plans, Existing Retirement and Company Pension Plans, College Savings Plans, Legacy and Estate Planning, Home and Auto Loan Advice, Life Insurance, Pertinent Financial Topics, CD Rate

Comparisons, Evaluation Existing Insurance Policies, and more! Spectrum Financial Alliance Ltd., L.L.C. is the successor corporation of Buckley Financial Advisory Ltd., L.L.C., which was founded in April of 1995 as a diversified asset management and financial planning practice. With the addition of highly qualified professionals in the areas of risk management, estate planning, employee benefits, and financial planning, the corporate name was changed solely to reflect the broader and more comprehensive nature of the services we provide in all areas of our practice. Kelly Buckley, MBA, CFP®, AAMS™, Managing Principal & Managing Director for Asset Management, is a Lexington native with over 30 years of experience in professional money management. As a 1979 Air Force Academy Graduate and retired F-16 fighter pilot, Kelly has ingrained the core values of the Academy into his everyday life, "Integrity First, Service before Self, and Excellence in All We Do." He has been selected as a featured speaker at many peer financial conferences. He also has experience teaching college undergraduate and continuing education courses in Finance, Investment, and Macro-Economics. Kelly formerly served as an Assistant Vice President with Merrill Lynch before founding Spectrum Financial Alliance Ltd., L.L.C., the successor entity of Buckley Financial Advisory Ltd., L.L.C.

08/07/2026

𝐉𝐢𝐥𝐥 𝐁𝐫𝐮𝐧𝐞𝐫, 𝐉𝐃. | 𝐄𝐬𝐭𝐚𝐭𝐞 & 𝐓𝐫𝐮𝐬𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠

Your estate plan was created to protect what matters most. But does it still reflect your wishes today?

Life doesn’t stand still and neither should your estate plan. Changes in your family, finances, property, business, or retirement plans can significantly impact documents that may have been created years ago.

Every year, we meet with dozens of individuals who already have wills and trusts in place, but haven’t reviewed them in years. Often, they’re surprised to discover that the beneficiary designations attached to their IRAs, investment accounts, and insurance policies, actually override their expressed wishes in their written will and trusts.

For individuals and families with $750,000 or more in investable assets, Spectrum Financial Alliance offers a complimentary review of your existing estate plan by Jill Bruner, JD., our Director of Estate & Trust planning, who works for SFA clients to create beneficial estate plans that reflect their family’s needs, their financial situation, and their long-term intentions. Having an estate plan is only the beginning, keeping it current helps ensure your wishes are understood and carried out the way you intended.

If it’s been several years since you reviewed your will or trust or if life has changed since it was created now may be the right time to take another look. Your life has evolved. Make sure your estate plan has, too. When was the last time you reviewed your Estate Plan? If it has been several years or if you have experienced a major life or financial change, it may be time for another look.

𝐇𝐚𝐯𝐞 $𝟕𝟓𝟎,𝟎𝟎𝟎 𝐨𝐫 𝐌𝐨𝐫𝐞 𝐢𝐧 𝐀𝐬𝐬𝐞𝐭𝐬?

Request your complimentary estate plan review today. No obligation. A simple review can help you understand whether your current estate plan still reflects your wishes. Just click this link: https://spectrumalliance.com/contact-landing-1

See the full list of SFA disclosures at https://spectrumalliance.com/disclosures

08/07/2026

𝐖𝐞 𝐃𝐨𝐧’𝐭 𝐂𝐡𝐚𝐬𝐞 𝐇𝐲𝐩𝐞. 𝐖𝐞 𝐅𝐨𝐥𝐥𝐨𝐰 𝐎𝐮𝐫 𝐂𝐨𝐧𝐜𝐞𝐧𝐭𝐫𝐚𝐭𝐢𝐯𝐞 𝐚𝐧𝐝 𝐏𝐫𝐞𝐝𝐢𝐜𝐭𝐢𝐯𝐞 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐒𝐭𝐲𝐥𝐞.

Recently, before a highly anticipated company came to market through an Initial Public Offering (IPO), a client asked us whether we thought the opportunity was worth the risk.

Our answer was simple: we don’t buy IPOs.

That’s been one of my rules since I began managing money in 1987. IPOs can be a bit of a crapshoot, and when we believe the odds of success are stacked against us, we would rather stay out of the way of a potential problem. There’s another part of the IPO process that investors need to understand: price stabilization.

Under SEC Regulation M, underwriters are permitted, within specific limits, to buy shares or place stabilizing bids for the purpose of preventing or slowing a decline in the stock’s market price. IPO underwriting can also include a 30-day overallotment, or “greenshoe,” option that gives the underwriting syndicate another mechanism for managing its position during the early aftermarket.
Think about what that means.

If a newly public stock starts coming under selling pressure, there can be an additional buyer in the market, the underwriting syndicate, with the ability, subject to SEC rules, to purchase shares and help stabilize the price. It is legal. It is regulated. And it can affect what investors see on the screen during the early life of an IPO. That matters because the first few weeks of trading may not tell you where the stock ultimately wants to trade once the excitement fades and those IPO mechanics are behind it. In this particular case, we believed the company was overvalued and recommended staying on the sidelines. The stock initially moved higher before eventually falling roughly 20% below its IPO price.
That’s exactly the type of risk we were concerned about.
A great company does not automatically make a great investment at every price, and we aren't interested in chasing a stock simply because everyone else is excited about it. Eventually, the hype wears off. The IPO mechanics fade. The market has to stand on its own.

And sometimes, that’s when you get the swan dive.
Our investment philosophy has never been about owning everything in the market or chasing whatever everyone else is talking about. We concentrate on the areas where we believe we can apply our predictive methodology, putting money in front of things we think are going to happen.

Sometimes avoiding the wrong investment can be just as important as finding the right one.

𝐃𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞 𝐦𝐚𝐭𝐭𝐞𝐫𝐬. 𝐌𝐞𝐭𝐡𝐨𝐝𝐨𝐥𝐨𝐠𝐲 𝐦𝐚𝐭𝐭𝐞𝐫𝐬. 𝐀𝐧𝐝 𝐰𝐞 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐚𝐯𝐨𝐢𝐝𝐢𝐧𝐠 𝐦𝐢𝐬𝐭𝐚𝐤𝐞𝐬 𝐦𝐚𝐭𝐭𝐞𝐫𝐬.

— Kelly
C. Kelly Buckley, MBA, CFP®, AAMS™
Founder & Managing Principal

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

📞 859.223.6333
📧 [email protected]

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

-See the full list of SFA disclosures at https://spectrumalliance.com/disclosures

08/07/2026

Shannon & Alan - Congratulations on Your Retirement! After 28 years of hard work, dedication, and commitment at Toyota, you've both earned this exciting new chapter. Retirement isn't the end of the road, it's the beginning of new adventures, more time with family and friends, and the freedom to enjoy the things you love most.

Thank you for your years of service and the impact you've made along the way. Wishing you good health, happiness, and countless memories in retirement. Congratulations on a well-deserved retirement! 🚗🎉

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

See the full list of SFA disclosures at: https://spectrumalliance.com/disclosures

08/05/2026

Jennifer & Mark - Congratulations on Your Retirement! After 29 years of hard work, dedication, and commitment at Toyota, you've both earned this exciting new chapter. Retirement isn't the end of the road, it's the beginning of new adventures, more time with family and friends, and the freedom to enjoy the things you love most.

Thank you for your years of service and the impact you've made along the way. Wishing you good health, happiness, and countless memories in retirement. Congratulations on a well-deserved retirement! 🚗🎉

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

See the full list of SFA disclosures at: https://spectrumalliance.com/disclosures

08/05/2026

The greatest legacy you leave isn't measured by what you accumulate, it's measured by how well you protect the people you love.

Estate planning is about more than who gets what, it's about protecting your family and the life you've worked so hard to build, preserving your privacy, and making sure your wishes are honored when you no longer can speak for yourself. A well-crafted plan can minimize delays in asset distribution after death, reduce taxes and estate settlement costs, and provide clear guidance during already difficult times. In many cases, using a well-designed trust allows families to avoid the public, time-consuming probate process altogether, keeping your wishes private and streamlining the transfer of assets to loved ones. If you haven't reviewed your plan (or started one), now is the time.

Too often, families put these conversations off because they seem overwhelming or because they believe they have "plenty of time." The reality is that a thoughtful estate plan provides something that's difficult to put a price on: clarity, confidence, and peace of mind.

At Spectrum Financial Alliance, we believe estate planning is an essential part of a comprehensive financial plan. With Jill Bruner, Esq. leading our Estate & Trust Planning services, we help clients navigate these important decisions with guidance, compassion, and a long-term perspective.

Because protecting your legacy isn't just about wealth, it's about ensuring your values, your intentions, and your family are taken care of for generations to come.

Your future deserves a plan. Your family deserves peace of mind.
Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

📞 859.223.6333
📧 [email protected]

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

-See the full list of SFA disclosures at https://spectrumalliance.com/disclosures

08/04/2026

Celebrating Our SFA Interns!

As summer comes to an end and school is about to start back, we wanted to give a special shoutout to the four amazing interns who have spent their summer with us at Spectrum Financial Alliance!

Sydney Buchaniec — University of Kentucky
Charlie Alley — University of Kentucky
Andrew Bacarella — University of Kentucky
Chris Gray — Georgetown College

We are incredibly thankful for the time, energy, and hard work each of you brought to SFA this summer. It has been a pleasure watching you learn, grow, take on new challenges, and become part of our team.

As you head back to campus, we hope you have an amazing and successful school year! Thank you for choosing to spend your summer with us and for everything you contributed along the way.

We’re excited to see where the future takes each of you!
Best of luck this school year, Sydney, Charlie, Andrew and Chris! We’ll be cheering you on! 📚🎉

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

-See the full list of SFA disclosures at https://spectrumalliance.com/disclosures

08/03/2026

3 Tips to Help Build a Stronger Financial Future

1. Start With a Budget
A strong financial plan starts with understanding where your money is going. Take a look at your monthly income and expenses, identify where you may be overspending, and create a budget that gives every dollar a purpose. A budget can help you stay on track while making room for both your current needs and future goals.

2. Build an Emergency Fund
Unexpected expenses are a part of life. Whether it’s home repair, car expense, or another surprise, having money set aside can help you handle those costs without disrupting your long-term financial plan. Consider building an emergency fund equivalent to three months of your expenses.

3. Invest for the Future
Once you have a solid financial foundation, think beyond today. Investing with a long-term strategy can help you work toward goals like retirement, financial independence, or leaving a legacy for your family. The key is having an investment plan that aligns with your goals, your timeline, and your comfort with volatility (risk).

Ready to Take the Next Step?
If you have $750,000 or more in investable assets, we may be able to help your reach your goals.

Give us a call at 859-223-6333 to start the conversation.

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

📞 859.223.6333
📧 [email protected]

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

-See the full list of SFA disclosures at https://spectrumalliance.com/disclosures

07/30/2026

The U.S. Economy is Thriving.

The latest employment data continues to reinforce what we've been saying for months. Initial jobless claims came in at 197,000, below analyst expectations of 200,000, while continuing claims also declined. These are encouraging signs that the labor market remains healthy and that businesses are continuing to hire and retain workers.

Even during a period of unsustainably high oil prices, the U.S. economy has continued to demonstrate remarkable strength. Joblessness is decreasing, and jobless claims are moving lower at a pace faster than many analysts expected. Those are not signs of an economy slowing down—they are signs of resilience.

As things settle down in the Middle East—and they will—we believe many of the temporary pressures weighing on the economy will begin to ease. When that happens, the strong economic foundation already in place should allow the U.S. economy to continue thriving.

At Spectrum Financial Alliance, we believe it's important to focus on the fundamentals rather than the daily headlines. While short-term uncertainty will always exist, the underlying economic data continues to point toward strength, stability, and opportunity.

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

https://spectrumalliance.com/disclosures

07/30/2026

𝐄𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐆𝐫𝐨𝐰𝐭𝐡 𝐇𝐨𝐥𝐝𝐬 𝐒𝐭𝐫𝐨𝐧𝐠 𝐃𝐞𝐬𝐩𝐢𝐭𝐞 𝐓𝐚𝐫𝐢𝐟𝐟𝐬, 𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧, 𝐚𝐧𝐝 𝐆𝐥𝐨𝐛𝐚𝐥 𝐂𝐨𝐧𝐟𝐥𝐢𝐜𝐭

The U.S. economy sped up in the spring, even while facing headwinds from the Iran conflict and rising oil prices. This remarkable resilience aligns with SFA's long-held theme of a growing Economic Renaissance in the United States.
Despite tariffs, the conflict with Iran, rising oil prices, and stubborn inflation, U.S. economic growth held firm, and a recession appears to be years away.

The Bureau of Economic Analysis report released today showed that Gross Domestic Product (GDP) grew at a somewhat soft 1.5% annualized rate in the second quarter, adjusted for inflation. However, there is a significant disclaimer: 𝐀 𝐥𝐚𝐫𝐠𝐞𝐫 𝐔.𝐒. 𝐭𝐫𝐚𝐝𝐞 𝐝𝐞𝐟𝐢𝐜𝐢𝐭 𝐚𝐧𝐝 𝐦𝐮𝐜𝐡 𝐬𝐦𝐚𝐥𝐥𝐞𝐫 𝐢𝐧𝐯𝐞𝐧𝐭𝐨𝐫𝐲 𝐫𝐞𝐩𝐥𝐞𝐧𝐢𝐬𝐡𝐦𝐞𝐧𝐭 𝐚𝐫𝐭𝐢𝐟𝐢𝐜𝐢𝐚𝐥𝐥𝐲 𝐫𝐞𝐝𝐮𝐜𝐞𝐝 𝐭𝐡𝐞 𝐆𝐃𝐏 𝐠𝐫𝐨𝐰𝐭𝐡 𝐫𝐚𝐭𝐞 𝐛𝐲 𝐚𝐩𝐩𝐫𝐨𝐱𝐢𝐦𝐚𝐭𝐞𝐥𝐲 𝟏.𝟕%. 𝐇𝐚𝐝 𝐭𝐫𝐚𝐝𝐞 𝐚𝐧𝐝 𝐢𝐧𝐯𝐞𝐧𝐭𝐨𝐫𝐢𝐞𝐬 𝐛𝐞𝐞𝐧 𝐧𝐞𝐮𝐭𝐫𝐚𝐥, 𝐭𝐡𝐞 𝐞𝐜𝐨𝐧𝐨𝐦𝐲 𝐰𝐨𝐮𝐥𝐝 𝐡𝐚𝐯𝐞 𝐠𝐫𝐨𝐰𝐧 𝐚𝐭 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟑%.

Trade deficits and inventories often distort GDP in the short term, but they typically have little impact on the underlying long-term strength of the economy. SFA project that today's GDP report, combined with the favorable Core PCE inflation report, will provide the Federal Reserve with the data it needs to begin reducing interest rates over the next year.

The Federal Reserve's primary inflation gauge, the Core Personal Consumption Expenditures (PCE) Price Index, rose just 0.1% for the month, while the annual inflation rate came in at 3.3%. This compares favorably to forecasts that expected a 0.2% monthly increase and a 3.3% annual rate.

SFA considers both reports to be highly favorable. As we projected yesterday in our social media post and on our podcast, the economy's underlying strength is overcoming short-term negatives such as higher oil prices. We believe economic growth should return to a much stronger 3%–4%+ GDP pace during the latter part of 2026.

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

See a full list of SFA: https://spectrumalliance.com/disclosures

07/29/2026

🎉 Rachel & Ryan - Congratulations on Your Retirement! 🎉

After 35 years of hard work, dedication, and commitment at Toyota, you've both earned this exciting new chapter. Retirement isn't the end of the road, it's the beginning of new adventures, more time with family and friends, and the freedom to enjoy the things you love most.

Thank you for your years of service and the impact you've made along the way. Wishing you good health, happiness, and countless memories in retirement. Congratulations on a well-deserved retirement! 🚗🎉

Want to see what SFA’s Clients say about our work and how it has impacted their financial lives? Click the link here to look at our google reviews: https://spectrumalliance.com/our-google-reviews

Whether you’re planning ahead or just exploring your options, our team is here to help — offering trusted support and exceptional results for you and your family. Click here to learn more. https://spectrumalliance.com/contact-landing-1

See the full list of SFA disclosures at: https://spectrumalliance.com/disclosures

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105 Wind Haven Drive
Nicholasville, KY
40356

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.spectrumalliance.com/

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