Keith Spencer
Spencer Financial Planning, LLC · Spokane, Washington
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Assets under management | $18.9M across 114 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, WA · CRD 7202171 |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | spencerfinancialplanning.com |
| Profile |
How Keith's firm compares
- Ongoing planning starts at $10,000 a year, above the Washington median of $4,500 for fee-only firms that publish prices.
- A one-time plan starts at $2,500, below the Washington median of $3,000 for fee-only firms that publish prices.
- Spencer Financial Planning, LLC's average account is about $166,000, from its Form ADV (assets managed divided by 114 accounts).
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Questions about Keith
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Spencer Financial Planning, LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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