# Lance Spencer

> Lance Spencer is a fee-only financial advisor at Prosper Private Wealth in Provo, Utah, who holds the CFP credential. Lance focuses on retirement planning and estate & legacy planning. Prosper Private Wealth reports charging a percentage of assets, hourly fees and performance-based fees on its Form ADV.

Page: https://find.wellspent.co/advisors/lance-spencer/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Prosper Private Wealth
- **Based in:** Provo, Utah
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Performance-based fees
- **Assets under management (firm):** $150.8M across 264 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 1981961 (https://adviserinfo.sec.gov/individual/summary/1981961)
- **SEC registration:** Investment adviser representative in UT
- **Exams passed:** Series 63 (1989), Series 66 (2005)
- **Firm size:** 3 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://prosperpw.com/

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Lance holds no broker registration, and Prosper Private Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Lance charge for financial advice?

Lance's firm, Prosper Private Wealth, reports charging a percentage of assets, hourly fees and performance-based fees on its SEC Form ADV.

### Where is Lance Spencer based?

Lance Spencer is based in Provo, Utah.

### What does Lance specialize in?

Lance's specialties include retirement planning and estate & legacy planning.

### What credentials does Lance Spencer hold?

Lance Spencer holds the CFP credential.

### Is Lance Spencer registered with the SEC?

Yes. Lance Spencer is registered as an investment adviser representative in UT (CRD 1981961), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Prosper Private Wealth manage?

Prosper Private Wealth reports $150.8M across 264 accounts in assets under management.

### How do I contact Lance Spencer?

Through Lance's website, prosperpw.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1981961): 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
- The firm's website (https://prosperpw.com/): specialties, clients served, and fees, checked October 30, 2026

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