Skip to main content

  • Home
  • About Us
    • Our Culture
    • Our Team
    • Our Process
  • Services
    • Wealth Management Services
    • Our Strategic Partners
    • Wealth Management Organizer
  • News & Updates
  • Contact

Planning Made Personal

Investments - Insurance - Retirement

    You are here

  1. Home
  2. About Us
  3. Our Process

Our Process

Our process includes three parts:

1) Evaluation

Spencer Financial employs a comprehensive process of evaluating our client’s situation. We take into account the critical elements of a successful retirement plan, including current financial and personal circumstances, immediate and long-term goals, and our client’s specific retirement expectations.

2) Positioning

Our process entails positioning each element of the plan to reflect personal objectives, risk tolerance, and time frame. Our client’s compensation arrangements and existing employee benefit structure will be considered along with their personal choice of investment vehicles, asset allocation, and estate arrangements.

3) Management

Most important, our firm recognizes that no plan should remain static. As our client’s life and goals change, so must their planning strategies. A financial plan must have careful ongoing management to ensure that it adapts to changing circumstances.
 


Our advisory process is designed to align our client’s expectations about their financial future with realistic assumptions about their individual time frame, obligations and resources.

 

process.jpg

 

About Us

  • Our Culture
  • Our Team
  • Our Process
Find out more about us

Contact Us

Don't hesitate to get in touch with us.
We would love the opportunity to become your trusted advisor.

Phone: 978-443-6500
Fax: 978-443-6550
Toll Free: 888-443-1776

327A Boston Post Road, Sudbury, Massachusetts 01776

     

Get Directions

  • Sitemap
  • Legal, privacy, copyright and trademark information

Osaic Wealth Form CRS

Securities and advisory services offered through Osaic Wealth, Inc, member FINRA/ SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, DC, FL, IL, KY, LA, MA, MD, ME, MI, MN, NC, NH, NJ, NV, NY, OK, OR, PA, RI, SC, TN, TX, VA, VT, WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year and is not based upon performance or returns experienced by any client, or opinions of the advisor's clients or former clients.

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites.

© 2025 Spencer Financial, LLC. All rights reserved.

Website Design For Financial Services Professionals