737-321-4224 dspencer@spencerfinancialstrategies.com

Who We Are

At Spencer Financial Strategies (SFS), we believe financial planning is not just about numbers—it’s about people, and the lives they want to lead.

SFS is a Registered Investment Advisor with offices in Indiana and Texas, we serve individuals, families, and business owners across the country who want more than a financial plan—they want a partner who truly listens.

Behind SFS is Debbie Spencer, our founder and lead advisor. With more than 30 years of experience working with individuals and businesses across the U.S., Debbie has built her practice on a foundation of trust, personal connection, and a deep understanding of what matters most in life. She is fully licensed to offer investments, annuities, life insurance, and long-term care insurance, and holds the Chartered Retirement Planning Counselor (CRPC®) designation.

Debbie currently serves clients in several states throughout the United States, helping them find peace of mind in every season of life.

Our Mission

At SFS, our mission is to help you live a life you love—with confidence and clarity about your financial future.

We know that financial planning isn’t just about retirement. It’s about today. It’s about your dreams, your family, your business, your passions, and your purpose. Whether you're planning for travel, caring for loved ones, launching a new venture, or dreaming of future adventures, we're here to help you plan wisely so you can enjoy fully.

We start with your story—your values, goals, and the life you want to live. Then we design a personalized strategy that reflects who you are. No cookie-cutter plans, no jargon—just honest, thoughtful guidance tailored to your needs.

Our greatest joy is seeing our clients thrive—sending us pictures from the Egyptian pyramids, going on river cruises down the Thames River, taking your whole family to Disney World, or walking their daughters down the aisle. When you feel secure in your financial future, you're free to fully enjoy the moments that matter most.

What We Offer

We provide comprehensive financial planning for individuals, families, and business owners. Our services are built to cover every stage of life and every facet of your financial world.

Investment Guidance

• Stocks, Bonds, Annuities

• Mutual Funds, Exchange-Traded Funds (ETFs)

Insurance Planning

• Life Insurance

• Long-Term Care Insurance

Business Consulting

• Planning for New & Existing Businesses

• Succession Strategies

• Structured Compensation Plans

Holistic Financial Planning

• Retirement Income Planning

• Estate Planning

• Strategic Tax Planning

Your Trusted Partner

As a fiduciary, we are legally and ethically bound to act in your best interest. Your accounts are maintained at Charles Schwab & Co., Inc., a trusted and qualified custodian. SFS remains fully independent and is not affiliated with Schwab.

We're not here to sell products—we’re here to build relationships. To listen. To advise. And to help you move forward with clarity and confidence.