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Building Wealth. Protecting What Matters.

Personalized financial guidance for the life you’ve built—and the legacy you hope to leave.

We help retirees and pre-retirees coordinate the financial decisions ahead through thoughtful planning, ongoing guidance, and a relationship built around what matters most to them.

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Are these questions on your mind?

Are these questions on your mind?

- When can I comfortably retire?
- How should I create income from my investments?
- Am I taking unnecessary financial or tax risks?
- How can I prepare my family and estate for the future?

You do not have to coordinate every decision alone.

Who We Help

Retirees and Pre-Retirees

Retirees and Pre-Retirees

We primarily work with individuals and families approaching or living in retirement, often with $500,000 or more in investable assets.

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Families and the Next Generation

Families and the Next Generation

We help coach and plan with families and next generation members, in a fidicuiary relationship,  as they plan for the future.

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Our Approach

Understand

Learn about the your life, priorities, resources, and concerns.

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Plan

Develop a coordinated financial plan and evaluate the tradeoffs.

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Implement

Help put the agreed recommendations into action.

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Guide

Review progress and adjust as life, markets, and priorities change.

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Why SFS

Why SFS

  • - Personal, ongoing relationships
    - Retirement-focused guidance
    - Comprehensive coordination
    - Independent fiduciary advice
    - Experience serving families across generations
    - Custody of managed assets through Charles Schwab, where applicable

Debra S. Spencer

Debbie Spencer, CRPC©

President, Investment Advisor

737-321-4224

dspencer@spencerfinancialstrategies.com

Debbie has worked with individuals and businesses in multiple states for more than 25 years and is fully licensed to offer investments, annuities, life insurance and long-term care insurance. She holds the Chartered Retirement Planning...

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Dylan S. Taylor

Dylan S. Taylor

Chief Operating Officer, Investment Advisor

737-321-4224

dtaylor@spencerfinancialstrategies.com

Dylan Taylor is a born and bred Texan whose work experience spans across sales, corporate training, and learning and development at organizations like TikTok, the Houston Rockets, and The Walt Disney Company. He graduated from the...
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