Spencer Financial Strategies

Debbie Spencer, the founder and lead advisor, personally directs all financial planning and investment guidance. She has operated the firm for over 30 years and carries full licensing for investments, annuities, life insurance, and long-term care insurance. Client portfolios are implemented using stocks, bonds, mutual funds, ETFs, and annuities, always under a fiduciary obligation to the client.

All client investment accounts are maintained at Charles Schwab & Co., which acts as the qualified custodian. SFS is fully independent of Schwab and does not commingle client assets with firm operating capital. This structure provides third-party custody, regulatory oversight, and account-level reporting through Schwab's platform.

No. SFS provides traditional retail investment guidance centered on publicly traded securities—stocks, bonds, mutual funds, and ETFs—as well as annuities and insurance products. There is no indication in the firm's disclosures of participation in private equity, venture capital, or alternative investment fund commitments.

Debbie Spencer holds the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning. She is licensed to offer investments, annuities, life insurance, and long-term care insurance. Her practice has operated for more than 30 years, serving clients across multiple U.S. states through the firm's RIA structure.

Neither. The firm is a Registered Investment Advisor serving a broad client base of individuals, families, and business owners rather than a single or small set of ultra-high-net-worth families. It operates as an independent financial planning and investment advisory practice, not as a family office.