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Playbook Overview

Spencer Financial offers a full range of financial services and is committed to providing personalized services to meet your needs. Our comprehensive playbook provides multiple options aimed at achieving your short and long term financial plans, goals, and dreams. Planning is not a one time event, however. As your trusted partner, together we will update your personalized plan on a regular basis and/or when an important life event occurs. We are here to walk with you through life and serve you so you can achieve your goals and dreams.

Our personalized services include, but are not limited to:

  • Organizing and protecting your assets utilizing our Offense & Defense Investment Philosophy;
  • Regularly reviewing asset allocations in relationship to your risk tolerance and individual plan;
  • Strategizing your financial, retirement, tax, and estate plans; and
  • Offering a plan to simplify, consolidate, and integrate every aspect of your financial future.

Investment Planning, Management, Analysis, and Coaching

Process Overview:

  • Develop your comprehensive and personalized financial plan
  • Review and evaluate recommendation(s)
  • Allocate your assets accordingly
  • Review regularly and make adjustments as needed

Potential Products & Services:

  • Mutual Funds
  • Exchange Traded Funds (ETFs)
  • Stocks
  • Bonds
  • Variable Annuities
  • Fixed Annuities
  • Oil and Gas Limited Partnerships
  • Real Estate Investment Trusts (REITs)
  • 401(k) Rollovers
  • Money Markets
  • Treasury Bills and Notes

Retirement, Estate, & Education Planning

Process Overview:

  • Project your retirement needs
  • Plan and generate various income strategies
  • Minimize your tax liabilities

Potential Products & Services:

  • IRAs (Traditional, Roth, SEP, and Simple)
  • Qualified Plans (401k and 403b)
  • Private Pension Plans
  • Defined Benefit Plans
  • Deferred Compensation Strategies
  • Retirement Plan Review
  • Educational Plans (529 and Coverdell)

Risk Management Planning

Process Overview:

  • Discuss coverage desires
  • Plan for potential illness, disability, long term care, or premature death

Potential Products & Services:

  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Key Person Life Insurance