Spectrum Financial Alliance Ltd, LLC

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.

SFA’s Predictive Investment StyleAt SFA, we believe proactive investment management matters.Our firm’s investment philos...
06/02/2026

SFA’s Predictive Investment Style

At SFA, we believe proactive investment management matters.
Our firm’s investment philosophy focuses on identifying major economic and market trends early — and positioning client portfolios accordingly.

Some recent examples include:
📈 Since SFA’s market low call on 3/24/2020:
• SFA Average Return (NET OF COST): 309.72%
• S&P 500: 268.42%

• Dow Jones Industrial Average: 203.11%
📈 2026 YTD Performance (1/1/26 – 5/26/26):
• SFA: 23.28%
• S&P 500: 10.36%
• Dow Jones: 5.82%

While markets always involve risk and past performance does not guarantee future results, we are proud of the consistency, research, and long-term discipline that continue to guide our investment approach.

Most importantly, we remain focused on helping clients pursue stronger long-term financial outcomes.



Want to compare your current investment returns to ours? Click the link https://spectrumalliance.com/contact-landing-1 or give us a call/email at 859.223.6333/[email protected]

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

https://spectrumalliance.com/disclosures

Earlier today, our firm reviewed an account statement from a prospective client. This prospect is currently working with...
06/01/2026

Earlier today, our firm reviewed an account statement from a prospective client. This prospect is currently working with a well-known investment firm in our area. Upon review of the statement, it was clear that this money manager left 100% of their IRA balance sitting inside of a money market fund since 2015. The client wasn’t trying to be conservative; they simply trusted that their advisor was actively managing their money toward their long-term goals.

Unfortunately, while they believed their plan was in motion, their portfolio was essentially idling - missing out on the significant market growth we've seen over the last decade.

The "PSA" for your portfolio:
• Don’t confuse “trusted” with “verified.” Trust your advisor — but also make sure you understand where your money is invested and why.
• Avoid putting your investments on “autopilot.” If your account hasn’t been reviewed recently, your investments may no longer match your goals or risk level.
• Most importantly, are you receiving a competitive return? One of the easiest ways to check is by reviewing your annual account performance and comparing it to the overall market.

You aren't just paying for security; you are paying for professional oversight. If your invested assets have not shown much growth over the last five or ten years, it may be time to ask yourself why.

Want us to compare SFA client returns to your current services provider? Click here: https://spectrumalliance.com/contact-landing-1

https://spectrumalliance.com/disclosures

How Your Money Would Have Grown at SFAAt Spectrum Financial Alliance, we believe investment performance should be measur...
06/01/2026

How Your Money Would Have Grown at SFA

At Spectrum Financial Alliance, we believe investment performance should be measured over years — not weeks.

Our latest client performance data shows that if $1,000,000 had been invested with SFA on January 1st, 2009, the account value would have grown to approximately:

💰 $7,897,486 NET of all client costs as of 5/26/2026
For additional perspective:
• $500,000 → approximately $3,948,743
• $250,000 → approximately $1,974,371
• $100,000 → approximately $789,749

These numbers reflect our actual average client account performance NET of fees and costs.

We are grateful for the trust our clients place in us and remain committed to helping families pursue long-term financial security through disciplined investment management and financial planning.



Want to compare your current investment returns to ours? Click the link https://spectrumalliance.com/contact-landing-1 or give us a call/email at 859.223.6333/[email protected]

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

https://spectrumalliance.com/disclosures

SFA vs. Berkshire HathawayWarren Buffett is often referred to as one of the greatest investors of all time, which is exa...
05/29/2026

SFA vs. Berkshire Hathaway

Warren Buffett is often referred to as one of the greatest investors of all time, which is exactly why we believe performance comparisons matter.

Since SFA’s “market low” call on 3/24/2020:
📈 $1,000,000 managed through SFA grew to approximately $4,122,797 NET of all client costs.
📊 An investment in Berkshire Hathaway growing to approximately $2,734,358, while an SFA investment grew to $4,122,797.

While no strategy is perfect and past performance does not guarantee future results, we are proud of the concentrated and predictive investment approach that has successfully guided our clients through one of the most volatile market environments in modern history!

At SFA, we remain focused on long-term results, risk management, and helping our clients attain their financial goals – in retirement and beyond!



Want to compare your current investment returns to ours? Click the link https://spectrumalliance.com/contact-landing-1 or give us a call/email at 859.223.6333/[email protected]

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

https://spectrumalliance.com/disclosures

Social Security: Why Waiting Could Make a Big Difference for Toyota EmployeesFor many Toyota employees, retirement plann...
05/27/2026

Social Security: Why Waiting Could Make a Big Difference for Toyota Employees

For many Toyota employees, retirement planning often focuses heavily on the 401(k), understanding the company's health insurance policy, and the question of when to actually stop working. One major piece of retirement income that should not be overlooked is Social Security.

Social Security retirement income is not just something you “turn on” when you retire. It is a benefit that should be managed strategically.One of the most important factors is when you claim.
For many people, full retirement age is 67. However, if you delay claiming Social Security until age 70, your monthly benefit will increase 24%.

That difference matters a lot over a long retirement!
If you are in good health and have a history of longevity in your family, waiting to claim may make sense — even if it means taking a slightly larger distribution from other retirement assets in the short term. The larger Social Security check provides US government guaranteed income for the rest of your life.

Another important factor is your work history.
Social Security calculates your retirement benefit using your highest 35 years of earnings. If you only have 25 or 30 years of work history, the missing years will be counted as zero-income years, which would reduce your monthly income benefit. Additional higher-earning years can replace lower or zero-earning years and increase your benefit amount.

This is especially important for Toyota employees who may be thinking, “25 or 30 years and I’m done.” A few extra years of work could make a significant difference in your Social Security income for the rest of your life.
Before claiming Social Security, it is important to review:
• Your full retirement age
• Your estimated benefit at 62, full retirement age, and 70
• Whether you actually have 35 strong years of earnings
• Your health, longevity expectations, income needs, and family longevity.
• How IRA withdrawals, pension income, and Social Security work together

The decision of when to claim Social Security should be part of a larger retirement income strategy — not a rushed decision made at retirement. At SFA we guide all our pre-retirement clients in these important decisions.

For more information on your own benefit, you can create an account at ssa.gov.

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

𝐎𝐮𝐫 𝐓𝐨𝐩 𝟑 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐓𝐢𝐩𝐬 𝐟𝐨𝐫 𝐓𝐨𝐲𝐨𝐭𝐚 𝐄𝐦𝐩𝐥𝐨𝐲𝐞𝐞𝐬Every family handles money differently, which means every family ...
05/26/2026

𝐎𝐮𝐫 𝐓𝐨𝐩 𝟑 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐓𝐢𝐩𝐬 𝐟𝐨𝐫 𝐓𝐨𝐲𝐨𝐭𝐚 𝐄𝐦𝐩𝐥𝐨𝐲𝐞𝐞𝐬

Every family handles money differently, which means every family deserves a financial plan built around their unique goals, needs, and future.

At Spectrum Financial Alliance, we have worked with many Toyota employees over the years, and we often see a few common planning habits that may be worth improving. Here are three retirement planning tips for Toyota team members to consider:

𝟏. 𝐃𝐨𝐧’𝐭 𝐫𝐞𝐥𝐲 𝐨𝐧𝐥𝐲 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐓𝐨𝐲𝐨𝐭𝐚 𝟒𝟎𝟏(𝐤).
Many Toyota employees have built meaningful savings inside their 401(k), but may not have enough liquidity outside of it. That can become a problem if unexpected expenses come up.
Without savings or investments outside of your retirement account, you may be forced to rely on credit cards or borrow from your 401(k). Having a taxable investment account or emergency savings can provide flexibility - without disrupting your retirement plan.

𝟐. 𝐀𝐯𝐨𝐢𝐝 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝟒𝟎𝟏(𝐤) 𝐰𝐡𝐞𝐧𝐞𝐯𝐞𝐫 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞.
Borrowing from your 401(k) may seem convenient, but it can reduce the long-term growth your retirement account needs to fund your successful retirement.
We believe 401(k) loans should generally be reserved for true emergencies. The more your retirement money is allowed to stay invested and grow, the better positioned you may be for income and stability in retirement.

𝟑. 𝐁𝐞 𝐜𝐚𝐫𝐞𝐟𝐮𝐥 𝐰𝐢𝐭𝐡 𝐭𝐚𝐫𝐠𝐞𝐭-𝐝𝐚𝐭𝐞 𝐟𝐮𝐧𝐝𝐬.
Target-date funds are designed to automatically adjust your investment mix as you get closer to retirement. However, they typically follow a fixed formula and do not account for major outside events such as COVID-19, wars, inflation, interest rate changes, or market conditions.

In our opinion, this “set it and forget it” approach is not be the best choice for every investor. Retirement planning and portfolio management should be actively reviewed and adjusted as life, markets, and economic conditions change.

At SFA, we believe your retirement deserves experienced, professional investment management and CFP®-led financial planning — not a one-size-fits-all approach.

If you have household assets totaling $750,000 or more, our firm can provide a customized and detailed financial plan at no cost or obligation to you.

Don’t wait to get help from a fee-only, no-commission 100% fiduciary firm who is committed to putting your best interests first.

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

📞 859.223.6333
📧 [email protected]

https://spectrumalliance.com/disclosures

𝐑𝐞𝐦𝐞𝐦𝐛𝐞𝐫𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐆𝐫𝐚𝐭𝐢𝐭𝐮𝐝𝐞 𝐓𝐡𝐨𝐬𝐞 𝐖𝐡𝐨 𝐆𝐚𝐯𝐞 𝐀𝐥𝐥This Memorial Day, we pause to remember the brave men and women who made th...
05/25/2026

𝐑𝐞𝐦𝐞𝐦𝐛𝐞𝐫𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐆𝐫𝐚𝐭𝐢𝐭𝐮𝐝𝐞 𝐓𝐡𝐨𝐬𝐞 𝐖𝐡𝐨 𝐆𝐚𝐯𝐞 𝐀𝐥𝐥

This Memorial Day, we pause to remember the brave men and women who made the ultimate sacrifice for our country. Their courage, service, and selflessness are the foundation of the freedoms we are blessed to experience each day.

Today is not simply a day away from work or a mark on the calendar – particularly for those among us who served with patriots who laid their lives down for our liberty. Their courage is a sacred reminder of the cost of liberty. We honor those who stood in defense of our nation, knowing their lives could be forfeit, and still choosing service above self.

As we remember their faces, we also lift up and pray for the grieving families of our fallen heroes —thousands who carry the loss of their loved ones - every, single, day! May they know our gratitude and that our nation will never forget!
“Greater love has no one than this: to lay down one’s life for one’s friends.” — John 15:13

May we remember them today and always, and may we live in a way that honors the sacrifices they made to protect all of us, and the life we are privileged to live!

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

Many people believe financial planning begins with investments. In reality, it begins with understanding people — their ...
05/22/2026

Many people believe financial planning begins with investments. In reality, it begins with understanding people — their goals, their family, their concerns, and their future.

Recently, we heard a common frustration from individuals preparing for retirement: “My advisor only reaches out when it’s time to invest more money.” That’s not comprehensive planning. That’s simply managing an account.

One individual we spoke with is approaching retirement within the next 10 years. Successful career. Strong retirement savings. Real estate holdings. Family priorities. Clear long-term goals. Yet no one had taken the time to discuss estate planning, insurance protection, tax-efficient retirement income, long-term care considerations, or how unexpected life events could impact the plan.

The focus always returned to the same topic: the portfolio.
Another individual shared that communication with their advisor felt reactive instead of proactive. Few check-ins. Limited planning conversations. Little guidance outside investment performance.

At Spectrum Financial Alliance, we believe financial planning should address the complete picture — not just one account. True planning includes retirement income planning, tax strategies, insurance analysis, estate planning, cash flow management, debt strategies, risk management, business planning, and legacy goals.
Investments are important, but they are only one piece of a much larger financial life. A strong financial strategy should help connect every piece together with purpose, clarity, and long-term guidance.
Because people deserve more than investment management alone.

They deserve a plan built around their life.

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

John Deere: A Long-Term Holding With Long-Term OpportunityOne of SFA’s largest holdings, John Deere, reported earnings t...
05/21/2026

John Deere: A Long-Term Holding With Long-Term Opportunity

One of SFA’s largest holdings, John Deere, reported earnings this morning that beat analyst revenue and earnings expectations. Even in a challenging agricultural equipment cycle, Deere continues to demonstrate the strength of its business model, global footprint, and long-term positioning.

While near-term demand for large farm equipment remains pressured, Deere’s overall revenue increased 5% year-over-year to $13.37 billion, helped by strength in its Small Agriculture and Construction segments. The company also beat Wall Street earnings expectations, reporting $6.55 per share compared with estimates around $5.70.

At SFA, we believe Deere’s long-term opportunity extends well beyond one quarterly report. Deere remains one of the most important agricultural and infrastructure equipment companies in the world. As global food production, construction, and infrastructure needs continue to grow, Deere is positioned to play a meaningful role.

We also believe Deere could be a significant beneficiary of future rebuilding efforts in Ukraine once the war with Russia is settled. Ukraine’s agricultural industry and infrastructure will require substantial reconstruction, and Deere’s existing investment, equipment capabilities, European presence, and supply chain strength may make its machinery especially desirable in the years ahead.

This is exactly why we focus on owning high-quality companies with durable long-term value — businesses that can navigate difficult cycles while remaining positioned for major opportunities ahead.

At SFA, we are not simply looking at what a company earns in one quarter. We are looking at where that company may be positioned over the next five, ten, and twenty years.

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

Congratulations to Diane & Norm Stickel on Norm’s retirement from Delta Air Lines! ✈️Your dedication, hard work, and yea...
05/18/2026

Congratulations to Diane & Norm Stickel on Norm’s retirement from Delta Air Lines! ✈️

Your dedication, hard work, and years of service have truly made an impact. On behalf of everyone at SFA, we want to thank you for all you have accomplished, for your distinguished service to our nation as an officer and pilot in the United States Air Force, and wish you nothing but happiness, relaxation, and new adventures in your life’s next exciting chapter!

Enjoy retirement — you’ve earned it! 🎉

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

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105 Wind Haven Drive
Nicholasville, KY
40356

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