Philip Spencer
Saratoga Research & Investment Management · Saratoga, California
Philip Spencer is a fee-only financial advisor at Saratoga Research & Investment Management in Saratoga, California, who holds the CFA credential. Saratoga Research & Investment Management reports charging a percentage of assets on its Form ADV.
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Facts
| Firm | Saratoga Research & Investment Management |
|---|---|
| Based in | Saratoga, California |
| Fee model (firm's Form ADV) | Percentage of assets |
| Assets under management | $2.51B across 2,740 accounts |
| Credentials | CFA |
| SEC registration | Investment adviser representative in CA · CRD 5649275 |
| Exams passed | Series 65 (2009) |
| Firm size | 21 employees |
| Disclosures | None reported |
| Website | www.saratogarim.com |
How Philip's firm compares
- Saratoga Research & Investment Management's average account is about $916,000, from its Form ADV (assets managed divided by 2,740 accounts).
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Questions about Philip
Is Philip Spencer a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Philip holds no broker registration, and Saratoga Research & Investment Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Philip charge for financial advice?
Philip's firm, Saratoga Research & Investment Management, reports charging a percentage of assets on its SEC Form ADV.
Where is Philip Spencer based?
Philip Spencer is based in Saratoga, California.
What credentials does Philip Spencer hold?
Philip Spencer holds the CFA credential.
Is Philip Spencer registered with the SEC?
Yes. Philip Spencer is registered as an investment adviser representative in CA (CRD 5649275), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Saratoga Research & Investment Management manage?
Saratoga Research & Investment Management reports $2.51B across 2,740 accounts in assets under management.
How do I contact Philip Spencer?
Through Philip's website, www.saratogarim.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Saratoga
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
- 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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