Financial Planning

Spence Asset Management provides financial planning services to clients either in specific areas of need such as retirement planning, education planning, specific goal achievement or in-depth financial planning for life goals. The process includes establishing the client-planner relationship, gathering data including goals, analyzing and evaluating the client’s financial status, developing and presenting financial planning recommendations, implementing those recommendations and finally monitoring the financial plan and modify as needed. The planner-client relationship is generally long term in nature and requires periodic reviews and meetings to ensure the plan’s goals are being achieved.