Spencer Financial Planning, LLC

Overview

Spencer Financial Planning, LLC is a small independent registered investment advisor that manages discretionary portfolios for individuals and families. The firm runs a mix of traditional wealth management and financial planning engagements, charging clients by percentage of assets under management, hourly fees and fixed fees depending on the engagement. Investment activity centers on pooled public funds—mutual funds primarily—while the firm also acts as a capital allocator, directing client capital into third‑party alternative managers where appropriate. Given its client base and scale, the firm tends to build diversified, fund‑centric portfolios rather than concentrated single‑security strategies. Its advisory scope includes portfolio management for individuals and small businesses and selection of other advisers, which supports using external managers for specialized exposures such as private equity and real estate rather than running those strategies in‑house.

Assets & Accounts

Investments & Alternatives

Location & Offices