Lance Spencer
Prosper Private Wealth · Provo, Utah
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.
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Specialties
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 | $150.8M across 264 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in UT · CRD 1981961 |
| Exams passed | Series 63 (1989) · Series 66 (2005) |
| Firm size | 3 employees |
| Disclosures | Reported; see the SEC record |
| Website | prosperpw.com |
How Lance's firm compares
- Prosper Private Wealth's average account is about $571,000, from its Form ADV (assets managed divided by 264 accounts).
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Questions about Lance
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Prosper Private Wealth website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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