Keith Spencer

CFP®

Spencer Financial Planning, LLC

Financial Planner

Keith Spencer

CFP®

Spencer Financial Planning, LLC

Financial Planner

My focus is to empower my clients through financial health, helping them: (1) make smart financial decisions, (2) cultivate good habits with their money, and (3) navigate the complexities of their finances. - Keith Spencer, CFP®

Fee-Only financial planner located in Spokane, WA, serving clients in Washington, California, and nationwide.

Keith Spencer is a Spokane, WA fee-only financial planner serving clients in Washington, California, and nationwide. Spencer Financial Planning, LLC provides comprehensive financial planning, investment management, and project-based financial analysis to empower clients through financial health. As a fee-only, fiduciary, and independent financial advisor, Keith Spencer is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Keith Spencer is a fee-only financial planner at Spencer Financial Planning, LLC, located in Spokane, WA


So, a bit about me.

I love this stuff. The whole financial planning thing.

After getting a degree in music (yeah, music…), I worked at a leading investment management firm in Los Angeles for 18 years. But I had this itch all along that I wanted to open my own financial planning firm at some point. I finally decided to pull the trigger to open my own firm in 2019, and here I am.

I’m now based in Spokane, Washington, but I work with clients virtually, so I can help people who live anywhere.

I’m a bit of a nerd when it comes to finances. I have so much fun with this topic and am honored to be able to help others with it. Money can be such a tough subject, so I love coming alongside people to help them navigate the questions they have, as well as the questions they don’t know they should have.

I started Spencer Financial Planning to empower people through financial health. We’re a fee-only, fiduciary firm. We look out for our clients’ best interests and help them make fantastic money decisions.

A few things I love:

  • My wife and kids, foster care, adoption
  • Financial planning, reading
  • The Salvation Army, church
  • Music, playing bass guitar
  • Watching baseball, playing fantasy baseball
  • Eating (sometimes too much), using bullet points
  • Disneyland, the beach

Professional affiliations and accomplishments

Experience: I have over 20 years of experience in the investment industry, working in operational roles, managerial roles, and directly with clients.

CFP® certification: I am a CERTIFIED FINANCIAL PLANNER(TM) professional, which is widely considered to be the gold standard certification for financial planners. To achieve this, I had to meet the 4 Es: Education, Exam, Experience, and Ethics.

ACP: The Alliance of Comprehensive Planners is a community of tax-focused, fee-only financial advisors committed to working in a clients' best interest.

NAPFA: The National Association of Personal Financial Advisors is the country’s leading professional association of fee-only financial advisors -- highly trained professionals who are committed to working in the best interests of those they serve.

XYPN: The XY Planning Network is a community of fee-only, fiduciary financial advisors that offer financial planning services virtually and for members of Generations X and Y.

Keith Spencer is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Spencer Financial Planning exists to empower people through financial health. We’re a fee-only, fiduciary firm. We help you: make smart financial decisions, cultivate good habits with your money, and navigate the complexities of your finances.

We offer comprehensive, fee-only financial advice. As a member of the Alliance of Comprehensive Planners, a community of tax-focused financial planners, you can be assured that our financial planning method has been tried, tested, and refined for over 25 years. Our system of planning addresses the real-life needs of people just like you.

No Product Sales - We don’t sell any financial products nor do we receive any commissions. We are fiduciaries. Our complete focus is on what is best for you.

All-Inclusive Approach - If you are a Comprehensive Financial Planning client, we work with you to design an all-encompassing strategy that takes into account every aspect of your finances.

Unlimited Access - If you are a Comprehensive Financial Planning client, you can speak with us as often as is necessary to help you make important decisions and accomplish your financial goals. Foundational Financial Planning clients also benefit from this access related to the topics that are covered by the Foundational service.

Value for Your Money - We are committed to providing value that exceeds our fee.

Finally, we’re committed to treating you right. We’ll treat you with respect and do our utmost to empower you through financial health.

Click here to read our Pledge to Clients.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Capital Group Associates
  • Foster Care Parents

Working Together

  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Looking Out For Your Best Interests

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Keith Spencer is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Alliance of Comprehensive Planners
    Keith Spencer is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

  • National Association of Personal Financial Advisors (NAPFA)
    Keith Spencer is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Keith Spencer is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Keith Spencer

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Office Locations:

  • 6801 W. Flightline Blvd.
    Suite #19539
    Spokane, WA 99219

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