# Spencer Kubo

> Spencer Kubo is a fee-only financial advisor at Kubo Financial Planning and Investments in Edina, Minnesota. Kubo Financial Planning and Investments reports charging a percentage of assets, fixed fees and performance-based fees on its Form ADV.

Page: https://find.wellspent.co/advisors/spencer-kubo/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Kubo Financial Planning and Investments
- **Based in:** Edina, Minnesota
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees; Performance-based fees
- **Assets under management (firm):** $31.2M across 28 accounts
- **CRD:** 5963754 (https://adviserinfo.sec.gov/individual/summary/5963754)
- **SEC registration:** Investment adviser representative in MN
- **Exams passed:** Series 66 (2012)
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

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

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

### How does Spencer charge for financial advice?

Spencer's firm, Kubo Financial Planning and Investments, reports charging a percentage of assets, fixed fees and performance-based fees on its SEC Form ADV.

### Where is Spencer Kubo based?

Spencer Kubo is based in Edina, Minnesota.

### Is Spencer Kubo registered with the SEC?

Yes. Spencer Kubo is registered as an investment adviser representative in MN (CRD 5963754), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Kubo Financial Planning and Investments manage?

Kubo Financial Planning and Investments reports $31.2M across 28 accounts in assets under management.

### How do I contact Spencer Kubo?

Contact details aren't on file yet. Search for Kubo Financial Planning and Investments.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5963754): 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

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