# Jennifer Specter

> Jennifer Specter is a fee-only financial advisor at Schultz Financial Group in Reno, Nevada. Schultz Financial Group reports charging hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/jennifer-specter/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Schultz Financial Group
- **Based in:** Reno, Nevada
- **Fee model (firm's Form ADV):** Hourly; Fixed fees
- **Assets under management (firm):** $214.8M across 478 accounts
- **CRD:** 2988118 (https://adviserinfo.sec.gov/individual/summary/2988118)
- **SEC registration:** Investment adviser representative in NV
- **Exams passed:** Series 63 (1999), Series 65 (2016)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://sfginc.com/

## Frequently asked questions

### Is Jennifer Specter a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Jennifer holds no broker registration, and Schultz Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Jennifer charge for financial advice?

Jennifer's firm, Schultz Financial Group, reports charging hourly fees and fixed fees on its SEC Form ADV.

### Where is Jennifer Specter based?

Jennifer Specter is based in Reno, Nevada.

### Is Jennifer Specter registered with the SEC?

Yes. Jennifer Specter is registered as an investment adviser representative in NV (CRD 2988118), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Schultz Financial Group manage?

Schultz Financial Group reports $214.8M across 478 accounts in assets under management.

### How do I contact Jennifer Specter?

Through Jennifer's website, sfginc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2988118): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.