Spencer Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$18,875,438
Clients
27
59% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
27
TypicalAverage account size
$699,090
About
Spencer Financial Planning, LLC provides fee-only, fiduciary financial planning and investment management to individual and high‑net‑worth clients. The firm’s services range from multi‑meeting Comprehensive Financial Planning and discretionary Investment Management to limited engagements like a Financial Check‑Up and brief Jump Start Calls.
The firm employs both active (fundamental) and passive strategies, sizing portfolios to clients’ time horizons, tax situations, and risk tolerance, and may recommend alternative investments for qualified clients. It offers discretionary trading, can manage held‑away accounts, monitors rebalancing and tax efficiency, and sometimes works with a third‑party sub‑adviser under a collaborative arrangement to deliver portfolio services.
Notable differences from many peers include explicit planning for business‑related matters — such as business ownership considerations, employee benefits optimization, and rollover analyses — as part of its financial planning work. The firm also uses less common service features: a one‑time Pay‑It‑Forward Financial Check‑Up offered to long‑term clients, a client‑priced Jump Start Call option, and standing letters of authorization for transfers on a subset of client households.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Tax-loss harvesting
Cash flow / budgeting
Fee options
Financial Check-Up service typically $2,500 fixed fee; initial engagement fee for Comprehensive Financial Planning $4,900 to $8,900.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.65% $2,000,001 - $3,000,000: 0.35% $3,000,001+: 0.25%
$475 per hour for investment advisory staff; $225 per hour for non-investment advisory staff.
Fee-only: Comprehensive Financial Planning fees range from $4,900 to $8,900 initial engagement fee; annual fees range from $10,000 to $34,000 or quarterly fees from $2,500 to $8,500, negotiable; Financial Check-Up fixed fee typically $2,500; Jump Start Call fees voluntary up to $475.
Main office location
Spencer Financial Planning, LLC
Cheney WA, United States
Number of offices
1
Most active in
Spencer Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
California · Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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