Spencer Stephens, CFP®, MS

Five Financial Planning
2825 E Cottonwood Parkway, Ste 500
Salt Lake City, UT 84121

Website
https://www.fivefp.com/

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About Spencer Stephens, CFP®, MS

 

Hi, my name is Spencer!

I have been in the financial services industry for over a decade. I am a CERTIFIED FINANCIAL PLANNER™ with a Master's Degree in Finance and a Bachelor's Degree in Psychology. I love what I do!

I take pride in being able to offer an industry-leading approach to investment management by capping my advisory fees. Working with a CFP® professional is valuable, but should you pay endless amounts for their services? By capping investment management fees, you keep more in your pocket to live your dreams without sacrificing the professional service you deserve.

You're not looking for investment management? No problem! I offer professional-grade comprehensive planning services to help you see where you are now and how you can reach your dreams.

I have been married to my high school sweetheart for 13 years and together we have five incredible children. I love learning new things, reading, watching movies/TV shows, eating good food, and going to the beach. I hope to write some books someday, become a certified paragliding pilot, and try stand-up comedy. I enjoy life and laugh along the way.

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Specialties

  • Capped Fee Investment Management

  • Financial Independence Planning


Services

  • Investment Management

  • Comprehensive Financial Plan

  • Hourly Planning


Professional Designations


Memberships & Associations

Contact Spencer:

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Our Advisors in the News

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Utah Financial Advisor Network member Justin Chidester featured on Infinite Financial Freedom podcast
Utah Financial Advisor Network member Justin Chidester featured on Infinite Financial Freedom podcast
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If you are looking to hire a fee-only financial advisor in Utah, you’ve come to the right place. Perhaps you’ve been told by a friend or family member that when it comes to financial advisors, “fee-only” is the way to go. Or maybe you’ve seen the terms “fee-only” or “fiduciary” mentioned in the media.

But where do you find these so-called fee-only financial advisors? In order to find a qualified, fee-only financial advisor whose services align with your needs, this is a great place to start.

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I’d like to introduce a few ideas behind what constitutes financial planning - as opposed to generic financial advice - and the benefits that come from it.

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If you own any mutual funds that track or loosely mirror the S&P 500, the S&P 400 Mid-Cap, or the Russell 2000 index, it’s very possible that some you are partially invested in companies “right down the street” from where you live!

Have you ever wondered what Utah-based companies you might be invested in?

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The Fed made an emergency cut in interest rates. Rates are at all all-time low.

So, what’s that mean for you? It affects your mortgage, your credit cards, your savings account and your student loans. Basically, it’s never been cheaper for you to borrow money.

“I’m telling people to take advantage of these rates and refinance their mortgages or their student loans,” says financial advisor Justin Chidester, owner of Wealth Mode Financial Planning in Logan, Utah. “I’m pretty much telling everyone, ‘Just go get a quote. It’s not going to hurt you to do that.’”

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If you’re a young investor, your rate of return typically matters less than your savings rate, said James Sweeney, a CFP and founder of Switchpoint Financial Planning in Lehi, Utah.

He provided an example: If you’re 30 with $20,000 invested, whether you earn a 10% or a 5% return will only result in a difference of around $1,000. Continue reading at CNBC

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"I would strongly encourage true middle-income people to look (at Afcpe.org) for an accredited financial counselor," says Justin Chidester, who is both an accredited financial counselor and a certified financial planner – as well as the owner of Wealth Mode Financial Planning in Logan, Utah. Continue reading at US News and World Report

 

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