We Are
Spencer Financial Planning

Our Mission

We exist to encourage peace of mind & life fulfillment by improving the Financial Health of our clients.

Our Core Values

  • We believe in doing the right thing, period. The right thing for our clients, the right thing by our society, the right thing ethically, and the right thing for our business.

  • We want to help people. That is why we do what we do. That’s it.

  • We strive to be thorough in everything we do. We will go the extra mile to give our clients a better experience, to keep educating ourselves, and to be intentional in all we do.

  • We want our clients and our team to enjoy the process. The process of working together, the work day, and this thing we call life! We like to joke, have fun, and eat yummy food.

Our Team

Keith Spencer

Owner & Financial Planner

Keith is the financial planner at SFP and is the one working directly with clients on their finances.

Meet Keith

Nina helps manage the business and the flow of operations, as well as helping with client-related tasks.

Nina Klein

Operations Manager

Meet Nina

Hi, I’m Keith.

So, a bit about me.

I love this stuff. The whole financial planning thing.

After getting a degree in music, I worked at a leading investment management firm in Los Angeles for 18 years. But I had this itch all along that I wanted to open my own financial planning firm at some point. I finally decided to move forward with that dream in 2019, and here I am.

I’m now based in Spokane, Washington, but I work with clients virtually, so we can help people who live anywhere.

I’m a bit of a nerd when it comes to finances. I have so much fun with this topic and am honored to be able to help others with it. Money can be such a tough subject, so I love coming alongside people to help them navigate the questions they have, as well as the questions they don’t know they should have.

I started Spencer Financial Planning to empower people through Financial Health. We’re a fee-only, fiduciary firm. We look out for our clients’ best interests and help them make fantastic money decisions.

Read more about my approach in our Pledge to Clients.

Professional affiliations and accomplishments

Experience: I have over 25 years of experience in the investment industry, working in operational roles, managerial roles, and directly with clients.

CFP® certification: I am a CERTIFIED FINANCIAL PLANNERTM professional, which is widely considered to be the gold standard certification for financial planners. To achieve this, I had to meet the 4 Es: Education, Exam, Experience, and Ethics. Click here for my credentials.

ACP: The Alliance of Comprehensive Planners is a community of tax-focused, fiduciary, fee-only financial advisors committed to working in their clients' best interest.

NAPFA: The National Association of Personal Financial Advisors is the country’s leading professional association of fee-only financial advisors -- highly trained professionals who are committed to the NAPFA Fiduciary Standard (client-first financial planning grounded in clear fiduciary and professional commitments).

XYPN: The XY Planning Network is a community of fee-only, fiduciary financial advisors that offer financial planning services virtually and for members of Generations X and Y (and beyond).

Fee-Only Network: The Fee-Only Network is a network that provides verified and vetted fee-only (no commission) financial advisors and CERTIFIED FINANCIAL PLANNERTM professionals.

Spokane Financial Advisors Network: The Spokane Financial Advisors Network is a group of independent, fee-only, fiduciary financial planning experts who meet the qualifications and standards that exceed those of most financial planners.

A few things I love

  • My wife and kids, foster care, adoption

  • Financial planning, reading

  • The Salvation Army, church

  • Music, playing bass guitar

  • Watching baseball, playing fantasy baseball, ping-pong

  • Eating (sometimes too much), using bullet points

  • Disneyland, Hawaii, the beach, travel

I expand on a few of those in the video below.

Hi, I’m Nina.

A bit about me.

I’m not quite the nerd that Keith is when it comes to finances, but I am quite into efficiency. When it comes to business, I love the interworkings of a business and how processes and procedures can streamline time and work. Yeah, okay maybe I’m a bit of nerd about Operations…

Born and raised in Spokane, WA, I love the outdoors and learned how to work hard and with my hands from a young age on our Eastern WA family grain farm. I’ve had a smattering of jobs in the customer service industry, business industry, and even airline industry. But what I love the most is the small business industry where you have the power to build what you want and make a difference in your business and the people around you.

Which is why I love working at Spencer Financial Planning, where I get to impact the flow of the business, our clients’ experience, and our team’s experience at SFP!

A few things I love

  • Family and friends!

  • Anything active! Running, biking, swimming, basketball…

  • Games and movies with friends

  • Water! Preferably a lake, with water sports.

  • A good book, especially audio books

  • Music, church, watching sports