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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Planning for What Comes Next

Are These Questions on Your Mind?

Retirement brings together a number of important financial decisions. Understanding how those decisions affect one another can help you move forward with greater clarity.

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When can I comfortably retire?

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How should I create income from my investments?

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Am I taking unnecessary financial or tax risks?

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How can I prepare my family and legacy for the future?

You do not have to coordinate every financial decision alone.

Who We Help

Guidance for Today—and the Years Ahead

We primarily serve retirees and pre-retirees while also helping families and the next generation build a thoughtful financial foundation.

Our Primary Focus

Retirees and Pre-Retirees

As retirement approaches—or unfolds—the challenge becomes coordinating income, investments, taxes, healthcare, insurance, and legacy decisions so they work together. We help you evaluate the tradeoffs and make informed decisions with an ongoing advisor beside you.

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

Explore Retirement Planning

Building a Foundation

Families and the Next Generation

We also help individuals and families who are building wealth, navigating career and family decisions, or taking on new financial responsibilities after an inheritance or other life transition.

Explore Next-Generation Planning

Comprehensive Guidance

What SFS Helps Coordinate

Your financial decisions are connected. We help bring the pieces together so your investments, income, protection, and long-term priorities support the same plan.

01

Retirement Planning and Income

Coordinate retirement timing, expected spending, Social Security, pensions, withdrawals, and required distributions.

02

Investment Management

Align investment strategy, liquidity, diversification, and risk with the role each account plays in your financial plan.

03

Tax-Aware Financial Planning

Consider the potential tax effects of withdrawals, account types, charitable giving, and other financial decisions.

04

Estate and Legacy Coordination

Help organize beneficiary intentions, charitable priorities, family conversations, and matters to discuss with legal counsel.

05

Insurance and Extended-Care Planning

Review protection needs, existing coverage, and risks that could disrupt your family or retirement plan.

06

Family and Multigenerational Planning

Coordinate education, inheritance, family support, and the transfer of financial responsibilities across generations.

See How We Help

Tax-aware planning and estate-planning coordination are provided as part of the financial-planning process. SFS does not provide legal, accounting, or tax advice. Clients should consult appropriately qualified professionals regarding their individual circumstances.

Our Approach

A Thoughtful Process. Guidance That Continues.

Good advice begins with listening. Our process helps bring clarity to the decisions in front of you while creating a plan that can adapt as life changes.

01

Understand

Learn about your life, family, priorities, resources, responsibilities, and concerns.

02

Plan

Develop a coordinated financial plan, evaluate the tradeoffs, and establish priorities.

03

Implement

Help put the agreed recommendations into action and coordinate the necessary next steps.

04

Guide

Review progress and adjust the plan as your life, markets, laws, and priorities change.

See What to Expect

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...

Dylan S. Taylor

Chief Operating Officer, Investment Advisor

737-321-4224

dtaylor@spencerfinancialstrategies.com

Dylan Taylor serves as Chief Operating Officer and an Investment Adviser Representative at Spencer Financial Strategies. In his dual role, he helps lead the firm’s operations while working directly with clients to manage their...

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