Here's an example of an adult speck without bars:
But the great majority get them after their first year. The white band on the front of their faces, from which they get their official, whitefront, name is said to be a truer indication of age, as it gets bolder over time, while the barring stays much the same throughout the bird's life. (Contrary to the popular notion many of us would like to hold to that the darker the belly the older the bird and greater the trophy.) That coming from a bird nut friend with a permit to raise them.
If you think I'm wrong, you might be right.