Spencer Financial helps you PLAN by simplifying the demands of managing your wealth allowing you to devote more time to your family, your personal endeavors, and your business. Our services: - Organize and protect your assets utilizing our Offense & Defense Investment Philosophy; - Regularly review asset allocations in relationship to your risk tolerance and individual plan; - Strategize your financial, retirement, tax, and estate plans; and - Offer a plan to simplify, consolidate, and integrate every aspect of your financial future.