# Keith Spencer

> Keith Spencer is a fee-only financial advisor at Spencer Financial Planning, LLC in Spokane, Washington, who holds the CFP credential. Keith charges an ongoing planning fee, a one-time planning fee and a flat fee or retainer (ongoing planning from $10,000 a year and one-time plans from $2,500) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/keith-spencer/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Spencer Financial Planning, LLC
- **Based in:** Spokane, Washington
- **Fee model:** Ongoing planning fee; One-time planning fee; Flat fee or retainer
- **Fees (firm's website):** ongoing planning from $10,000 a year; one-time plans from $2,500; typically works with clients with $1,500,000 or more
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $18.9M across 114 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 7202171 (https://adviserinfo.sec.gov/individual/summary/7202171)
- **SEC registration:** Investment adviser representative in CA, WA
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://spencerfinancialplanning.com

## Frequently asked questions

### Is Keith Spencer a fee-only financial advisor?

Yes. Keith Spencer is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Keith's firm.

### How does Keith charge for financial advice?

Keith charges an ongoing planning fee, a one-time planning fee and a flat fee or retainer.

### How much does Keith charge?

According to Spencer Financial Planning, LLC's website, checked October 28, 2026: ongoing planning from $10,000 a year; one-time plans from $2,500; typically works with clients with $1,500,000 or more.

### Where is Keith Spencer based?

Keith Spencer is based in Spokane, Washington.

### What does Keith specialize in?

Keith's specialties include retirement planning, tax planning and estate & legacy planning. Keith works with retirees and pre-retirees.

### What credentials does Keith Spencer hold?

Keith Spencer holds the CFP credential.

### Is Keith Spencer registered with the SEC?

Yes. Keith Spencer is registered as an investment adviser representative in CA and WA (CRD 7202171), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Spencer Financial Planning, LLC manage?

Spencer Financial Planning, LLC reports $18.9M across 114 accounts in assets under management.

### How do I contact Keith Spencer?

Through Keith's website, spencerfinancialplanning.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/keith-spencer-11220): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.spencerfinancialplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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