Spencer Financial Planning, LLC (“SFP”) is a registered investment adviser in the State of Washington and the State of California. The Adviser may not transact business in states where it is not appropriately registered, excluded, or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

SFP offers advisory services in the State of Washington, the State of California, and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of SFP, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an adviser, accountant, or legal counsel prior to implementation.

The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, SFP disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose.

SFP does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting, or legal advice, or as an offer, or solicitation of an offer, to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall SFP be liable for any direct, indirect, special, or consequential damages that result from the use of, or the inability to use, the materials in this site, even if SFP or an SFP authorized representative has been advised of the possibility of such damages.

In no event shall Spencer Financial Planning, LLC have any liability to you for damages, losses, and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.