# Regina Spence

> Regina Spence is a fee-only financial advisor at CWS Financial Advisors in Kalamazoo, Michigan. Regina charges a percentage of assets (0.5%–1% a year of assets managed) and focuses on retirement planning.

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

## Facts

- **Firm:** CWS Financial Advisors
- **Based in:** Kalamazoo, Michigan
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.5%–1% a year of assets managed
- **Assets under management (firm):** $1.33B across 2,156 accounts
- **Specialties:** Retirement planning
- **CRD:** 6924568 (https://adviserinfo.sec.gov/individual/summary/6924568)
- **SEC registration:** Investment adviser representative in MI
- **Exams passed:** Series 66 (2018)
- **Firm size:** 12 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.cwsfas.com

## Frequently asked questions

### Is Regina Spence a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Regina holds no broker registration, and CWS Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Regina charge for financial advice?

Regina charges a percentage of assets.

### How much does Regina charge?

According to CWS Financial Advisors's website, checked October 30, 2026: 0.5%–1% a year of assets managed.

### Where is Regina Spence based?

Regina Spence is based in Kalamazoo, Michigan.

### What does Regina specialize in?

Regina's specialties include retirement planning.

### Is Regina Spence registered with the SEC?

Yes. Regina Spence is registered as an investment adviser representative in MI (CRD 6924568), 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 CWS Financial Advisors manage?

CWS Financial Advisors reports $1.33B across 2,156 accounts in assets under management.

### How do I contact Regina Spence?

Through Regina's website, www.cwsfas.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6924568): 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://cwsfinancialadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

---

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