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Client Details

Client Genders


Male clients
25  
Female clients
55  

Current Advisor Assets


Total Assets (AUM)

$7.04 Million

Total Clients

94

Account Minimum

less than $50k

Advisor Overview


Overview

Wendy W. Spencer, CFP®, CDFA (tm), is an independent financial planner who has been helping individuals and businesses with their financial planning needs since the mid-1990s. As a Certified Financial Planner®, and a Certified Divorce Financial Analyst (tm), Ms. Spencer offers full-service financial planning, retirement planning, and investment advice. Ms. Spencer specializes in financial planning for women and their families, as well as divorce planning and family law mediation. Ms. Spencer has taught women about topics such as financial planning, sudden money, and divorce planning the Colorado Free University, and for the City of Lakewood. Ms. Spencer is also a member of the Institute for Certified Divorce Financial Analysts, and 2006 Board of Directors, Business Network International – International Advisory Board Member, a member of Leadership Jefferson County Alumni, and President of Spencer Capital Strategies, Inc. In addition, Ms. Spencer writes articles about money management for local publications and is invited to speak to diverse groups about divorce and money. Ms. Spencer has a undergraduate degree in Business Administration, a Master’s Degree in Public Administration, and a certificate in Financial Planning from the College for Financial Planning, and holds FINRA licenses 6, 7, 63, and 65, and Colorado health, life and annuity licenses. Quality financial planning is key to the financial success of Americans. Therefore, Ms. Spencer focuses her knowledge and experience in long-term planning and investing for clients and their families.


What is unique about you?

I focus primarily on middle income clients, often women and their families. I can tailor investments to the needs of each individual's situation. For most clients, my focus is on long-term financial planning and diversification for investments. I understand the special needs of women, whether married, divorce, or widowed. Because many clients often are unfamiliar with investing, I find that they appreciate education about finances as well as the benefits and risks of investments. I can address such issues as cash flow, taking distributions, retirement, and taxes. Moreover, I understand the concerns of people going through transitions such as divorce, the death of spouse and retirement. As a Certified Divorce Financial Analyst and family law mediator, I understand the nuances and details of the finances of divorce. I get to know and understand my clients and their needs. One of my goals is to look for potential pitfalls in road to my clients financial future and find ways to avoid or mitigate the financial impacts of such events.


How do you work with clients?

I generally charge clients a fee for assets under management, although occasionally I will work on a per-hour basis for financial planning. Clients with assets under management receive complimentary financial plans upon request, annual meetings or conference calls with additional meetings as requested, as well as quarterly account reviews and rebalancing of accounts if necessary. I provide all clients with a free get- acquainted meeting to help them to determine if my firm and services are the right fit for them.


What type of client does the firm serve best?

The majority of my clients are in the middle income bracket, are ages 50+, some are married, but many are divorced, single or widowed, and prefer to work with an independent financial advisor with a focus primarily on financial planning. These people generally have investable assets of $50,000 or more, and the majority of my clients' funds are in retirement accounts. Many of my clients are small business owners, although some are retired, in the building trades or in blue collar occupations. Others may work as government employees, be members of our armed forces, or work in a variety of professional services areas.