Spicer Wealth Management

Spicer Wealth Management provides portfolio management through a third‑party adviser, TruVestments Capital LLC, and also offers financial planning and 401(k) retirement plan consulting to individuals, trusts, pension/profit‑sharing plans, and other entities. Portfolio management is delivered via TruVestments while the firm conducts data gathering and tailored planning and consulting engagements directly with clients.

The firm describes a client‑centric process that collects personal and financial information to align recommendations with stated goals and risk tolerance, and it requires a written planning engagement before participation in other services; financial planning is offered on an hourly or fixed‑fee basis and portfolio oversight is handled through the third‑party manager. Spicer Wealth does not invoice investment advisory fees directly, instead receiving a portion of the management fee paid to TruVestments, and it conducts regular account reviews with at least biannual client meetings.

Noteworthy disclosures in the brochure include a previously reported IRS tax liability that was paid off and a 2016 civil matter that was settled, both of which the firm discloses as material events, and the principal’s ancillary businesses as an insurance agent and tax preparer, which the brochure identifies as potential conflicts of interest. The firm’s structure — a sole principal who is also an investment adviser representative of TruVestments, combined with a mix of individual planning clients and institutional 401(k) work — represents an operational model that can support a larger client load per adviser than is typical among its investment‑manager peers.