Spencer Financial Planning, LLC (“SFP”) is an investment adviser registered with the State of Washington and the State of California. All views, expressions, and opinions included in any email communications are subject to change. Email communication is not intended as an offer or solicitation to buy, hold, or sell any financial instrument or to engage us for any investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of, any description of securities, markets, or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with an email communication's conclusions.

Please contact us at keith@spencerfp.com or (509) 213-1826 if there is any change in your financial situation, needs, goals, or objectives, or if you wish to initiate any restrictions on the management of your account or modify existing restrictions.

Additionally, we recommend you compare any invoices from SFP with the account statements from your custodian. Please notify us if you do not receive statements from your custodian on at least a quarterly basis.

Our current disclosure brochure, Form ADV Part 2, is available here. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.

If you have received an email in error; please notify us via a reply to the email so that we can ensure the mistake is resolved, and then permanently delete the original and any copy of the email along with any attachments contained within the correspondence.