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About Spencer Stephens, CFP®, MS

Hello.  My name is Spencer and I am a recovering dragon... 

In middle school, my parents started giving me $10 each week to buy lunch.  This was my first real income stream and I loved it!  But I quickly noticed that if I used my "hard-earned" money on lunch I would have less of it. 


So naturally, I stopped buying lunch!  But why stop there?  I stopped buying basically everything so I could have more money...  I was like a treasure-hoarding dragon!

That was until my senior year of high school when I bought my first stock and used my first credit card to impulse purchase $100 shoes.  I also had a lot of fun using my money to go on adventures with friends and my dragon scales started peeling back.  I realized that it is possible to live life now while still saving and preparing for the future. 

Spencer Stephens, CFP, MS Fee only fiduciary

I completed my undergraduate studies in psychology with a business minor and was planning to become a business psychologist.  However, my Intro to Finance class blew me away with discussions about Roth IRAs and compounding interest.  I had no idea this stuff existed!

So, I changed directions and completed a master’s degree in Finance.  Afterward, I completed all the requirements to become a CERTIFIED FINANCIAL PLANNER™   and proudly joined the ranks of 5.23% of all CFP® professionals under the age of 30.  These steps have given me the expertise needed to best serve my clients.

Throughout this process, I also married my high school sweetheart and had 5 kids.

While I still have some dragon-like financial tendencies, I have learned how to use money to bring joy to my life and the lives of others.  Personal finance is way more personal than it is finance!  That’s why I help my clients focus on their life goals, determine how to best plan for them, and guide them through life’s journey along the way to their dreams.

Spencer Stephens, CFP, MS Fee only fiduciary

I firmly believe that working with an independent, fee-only, CFP® professional like me is the best way to achieve financial success and peace of mind. 


Let me show you how. 

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