Financial Planning

 

Spence Asset Management advisors work closely with clients to establish long-term financial plans that allow you to make decisions about your assets and achieve goals in your life. No two financial situations are identical; the firm’s advisors and investment team develop a customized allocation of investments to help save money, purchase a home, investment property or plan for retirement. Our team of advisors then conduct annual reviews to assess the effectiveness of the plan.

Estate Planning

 

Spence Asset Management professionals work closely with clients' attorneys, accountants, and other financial professionals to assist in the transfer of wealth. Results are achieved by using the appropriate tools including wills, trusts, valuation discounts, and needs planning for families. The firm’s professionals and investment team manage the implementation and the goals of the estate, whether the goals are multi-generation planning, estate tax reduction, charitable donations, or tax-loss harvesting.

Retirement Planning

 

Spence Asset Management advisors and the entire investment team help provide peace of mind as clients transition from an accumulation phase of life to a distribution phase, and begin to draw down assets. The firm works closely with clients to evaluate investment objectives as macro-economic factors such as inflation, interest rates, market returns, or healthcare costs change.

 

Spence Asset Management assists in the analysis and implementation of a retirement plan for your company. Allow the firm’s team of professionals to design the correct plan for your small or large business, and determine whether a 401k, Simple IRA, Profit Sharing, Defined Benefit, or another plan is appropriate for you. Spence Asset Management helps employers and employees achieve their goals through unparalleled service; the firm's advisors provide individualized service to each and every employee.

College PLANNING

 

Spence Asset Management assists clients with the rising cost of education for children and grandchildren. The firm’s advisors can help determine the best way to save for college, through options such as the use of trusts, 529 plan, custodial accounts, or other methods.

Cash Management Program

 

Spence Asset Management’s Cash Management Program (CMP) is designed for clients who carry a high cash balance, seek short term liquidity, and demand safety of their capital. The CMP is a fully customized management program designed around clients future cash flow needs while offering a more competitive rate of return compared traditional consumer/commercial bank returns.

Portfolio Management

 

The seasoned team of investment professionals at Spence Asset Management has navigated many market cycles, incorporating a historical perspective and awareness of current events into the management of client portfolios. The team monitors market and business conditions daily to ensure the investment objectives of every client are being met.

 

Spence Asset Management believes in a rigorous bottom-up approach that focuses on the fundamentals of each investment. Clients benefit from sound research and buying solid businesses that have a durable competitive advantage over the long term, rather than just focusing on the price of securities and short-term trading opportunities.

 

Spence Asset Management specializes in separately managed accounts including the design, implementation, and ongoing management of each account.