He has also received a Master’s Degree in Biblical Studies from Regent University. Ralph has a Degree in Mechanical Engineering and a Master’s Degree in Management and Finance from New Jersey Institute of Technology. Ralph Doudera is the CEO and head Portfolio Manager of Spectrum Financial, Inc. Our strategies can be accessed as mutual funds or separately managed accounts and through our asset management platforms.
Ispectrum magazine may 2015 full#
We invite you to learn more by reading The Full Spectrum, our newsletter, here. Our investment philosophy gives your portfolio an entry to build equity when the market turns back up instead of spending your gains just trying to get back to breakeven. We also serve advisors and individuals targeting specific personal financial goals, from retirement savings to education funding.įor more than three decades, our primary objective has been achieving consistent rates of return that are in excess of a buy/hold strategy over a complete market cycle. Specifically, Spectrum provides portfolio management services to IRAs, corporate pension, profit-sharing, 401Ks, charitable institutions, foundations, endowments, and trusts. We manage investments for individuals, institutions and financial representatives. Spectrum is also recognized for its unique philanthropic stance and is dedicated to helping people throughout the world live better lives. Founded in 1986 by money manager Ralph Doudera, Spectrum has long been considered one of the more successful active investment management firms serving individual investors. is a SEC Registered Investment Advisor with a 30+ year track record of building client assets using active risk management techniques. 31-ounce palette, tartecosmetics.Spectrum Financial Inc. With less sparkle than many other bronzers, its sheer pigment is perfect for those trying out bronzer for the first time.
Ispectrum magazine may 2015 skin#
This pressed-powder compact comes in Pink Bronze and Peach Bronze, so you can choose the shade that works best for your skin tone. It also includes reef-friendly zinc oxide for broad-spectrum UVA/UVB protection. With a light tint to even out skin tone, this certified 100-percent natural sunscreen is made with rose, chamomile and lavender for an especially soothing layer of protection. $42 for 1.7 ounces, īadger SPF 20 Damascus Rose Tinted Face Sunscreen Made with organic beeswax and reef-friendly zinc oxide to protect and nourish skin, it contains anti-inflammatory lilac leaf and beetroot extracts. Glow get ’em!ĬOOLA Suncare SPF 30 Plant UV MoisturizerĬOOLA is known for its commitment to sustainable luxury skincare products, and its Plant UV line is no exception. Here are two skin-saving sunscreens and one beautiful bronzer to put the perfect finishing touches on your summer makeup. Powder bronzers are easier to apply, while cream- or gel-based bronzers can help hydrate dry skin. Some brands, like Physicians Formula and Stila Cosmetics, offer bronzers that contain SPF - so your products can do double duty.
Once your skin is protected, invest in a powder, cream, gel or spray bronzer to provide the glow you’re looking for. If you’re acne-prone, reach for a formula that includes zinc oxide it’s a natural bacteria fighter that can calm breakouts.
If you have dry or combination skin, look for sunscreen with a light moisturizer.
But don’t fret - there are ways to maintain your radiance without sacrificing your health!įirst, you’ll need to find an SPF-containing sunscreen lotion that you actually like (so you’ll wear it every day).
Solar Sanctuary: Get a sun-kissed glow without sacrificing your skin.Īs much as you might covet a deep tan during spring and summer, spending too much time in the sun can have severe effects on your skin.
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