Spencer Financial Planning

Spencer Financial Planning

Spencer Financial Planning launched in 2020, founded by Keith Spencer, a CERTIFIED FINANCIAL PLANNER™ who spent the prior 18 years in Los Angeles at a leading investment management firm. That background shapes a practice built for corporate financial-services employees navigating equity compensation, retirement transitions, and tax complexity. The firm operates from Spokane but serves clients virtually throughout the US. The practice delivers comprehensive financial planning, investment management, and project-based financial check-ups, all under a fee-only, fiduciary model. Spencer does not sell commissionable products, which aligns the firm's incentives with clients' after-tax outcomes. Client archetypes include pre-retiree Capital Group associates, recent retirees, and young parents. Geographic focus extends primarily to Washington and California, with a national virtual footprint available for remote engagements. Spencer runs a boutique solo-practitioner structure with no additional investment or planning professionals disclosed. The founder is active in professional networks that reinforce the firm's tax-focused, fee-only posture — including NAPFA, the Alliance of Comprehensive Planners, and XY Planning Network. No philanthropic foundation or club vehicle is associated with the practice. What distinguishes the firm architecturally from a generic RIA is its hyperspecialization: a solopreneur built almost entirely around the retirement-planning needs of employees from a single named corporate sponsor — Capital Group. That narrow concentration functions as an informal moat, giving Spencer line-of-sight into the specific benefits, plan provisions, and cultural questions that define financial decisions for that workforce.