Paul Spencer
Paul Spencer, Financial Advisor CFP®, MBA, ChFC®, CRPC®, APMA® with Ameriprise Financial Services, Inc. I am licensed and registered to conduct business in VA.
Qualifications MBA- Master of Business Administration -Finance and Accounting CFP® CERTIFIED FINANCIAL PLANNER™ practitioner ChFC® Chartered Financial Consultant CRPC® Chartered Retirement Planning CounselorSM CLTC Certified Long Term Care APMA® Accredited Portfolio Management AdvisorSM My Approach . Working with you, I’ll take the time to understand every aspect of your current financial situatio
People’s feelings differ about how much risk they think they should take to secure their retirement. Regardless of whether you’re a risk taker, or want something safer, you have options. Let’s get together to talk about what feels right for you.
Ever been shocked by a medical bill? You may be able to help manage your health care costs with these suggestions.
8 ways to reduce health care costs Cost-reducing steps you can take before receiving care, and how to avoid common medical overbilling errors.
78% of Americans are concerned about having enough to live comfortably in retirement, according to a 2016 Greenwald & Associates study. You don’t have to be one of them. Let’s meet to talk about how you’re feeling about your future financial independence.
Leaving a legacy can start with pursuing your passion for helping others now. I can help you work giving into your financial strategy.
What’s your giving path? For some, giving back may include voluntourism, mentoring or using your skills to help a cause.
Retirement is a time to explore your passion. Could yours be profitable?
An encore career…your bravo moment Many people retire with the intention of doing something they love. Here are some tips for turning your retirement into an encore career.
If you could retire someplace new, where would it be? Here are some top ranked retirement states.
The Best State to Retire In May Actually Surprise You A new study says Florida doesn't even crack the top 10.
Today marks Equal Pay Day in the United States. Here’s what you should know about the gender wage gap.
3 Reasons Why the Gender Pay Gap Still Exists It will take at least another 70 years before the gap closes completely.
Downsizing a home can be a difficult but liberating decision. Here are some things to consider.
Downsizing your home Reducing your home size can free up resources and allow you to focus on what really matters.
Insights and conversation starters from our recent Family Wealth Checkup study may help improve your family’s communication about finances.
Family finances - How to talk about money Find out where most families excel (and where they fall short) when it comes to talking about money.
The Federal Reserve is likely to increase interest rates today. Here are a few ways it could affect you.
How the Fed rate hike will impact millions of Americans The major decision this week could impact your wallet very soon.
Last-minute tax strategies may help you boost retirement savings and reduce your tax bill.
Last-minute tax moves Some tax efficient retirement plans can help you save more while reducing your 2016 tax bill, if you act before April 18, 2017. Here’s what you should know.
Even the most loving couples disagree about money from time to time. Find out how some couples develop financial harmony.
Couples and Money: Lessons for success Marcy Keckler, Vice President of Financial Advice Strategy at Ameriprise, explains how couples can share responsibility for their finances and get on the same page.
Tax policy changes and interest rates will be watched in the coming weeks by many investors. Here’s what you should know.
Waiting for Clarity on Taxes and the Fed Ameriprise Chief Market Strategist David Joy shares his perspective on what the markets might react to in the coming weeks.
Interest rates are increasingly in the news. Here is what you should know.
How rising interest rates impact your portfolio Brian Erickson, Vice President of Fixed Income Research and Strategy at Ameriprise Financial shares his thoughts on the impact of interest rates.
Planning your expenses at the beginning of the new year can help increase the likelihood of meeting your goals.
2017 financial to-dos Looking ahead at coming year’s expenses can help you and your family prioritize what’s important and plan for unexpected bumps in the road.
It’s a new year, and a great time to think about your financial resolutions. We can help you plan for your short- and long-term financial goals.
Raising a child is expensive. How do you plan to help future generations in your family?
This is the shocking amount it will cost you to raise your child The high cost of bringing up kids in America.
The end of 2016 gives us some idea of where the markets could go. Here’s what you should know.
The Reality of a New Administration Becomes Top of Mind for Investors Ameriprise Chief Market Strategist David Joy shares his thoughts on what the final two weeks of 2016 could mean for this year.
Are you retiring this year? It’s important to make sure you have everything in order before you make the transition. We’re here to help.
This may not be shocking to you, but women and men don’t always see eye-to-eye on post-retirement plans.
The gender gap: One retirement, two views Find out how men and women can learn from one another while planning for retirement.
Ameriprise Chief Market Strategist David Joy shares his thoughts on 2016 and looks ahead at the year to come.
What can we expect in 2017? Potential for better economic growth and improved earnings, offset to some extent by rising interest rates and tempered by elevated valuations. Here’s what you should know.
Do you know what you should be thinking about 10 years away from retirement? How about 5 years out, or just 1 year? If you’re not sure, you’re not alone. Here’s some food for thought to help break down the retirement countdown.
Countdown to retirement: Are you ready? Re-evaluating your retirement strategy at key times can make your post-work life easier.
With a new year upon us, you may want to consider a bump in your retirement savings contribution. Even a small increase can help get you closer to meeting your retirement goals.
Estimating your retirement number is a complex task. Let’s make sure you have enough to accomplish your goals.
Here's how much most Americans think they need to save for retirement Do you know your 'magic number'?
Many people worry about medical costs in retirement but are reluctant to talk about it. Are you considering these costs as you approach retirement?
The retirement issue that no one is talking about No one is very excited to discuss health and long-term care expenses, but those costs could damage your loved ones' golden years.
Learn how mindful living during your working years can make a difference in your retirement lifestyle.
Retirement planning and trade-offs: How to live your dream retirement How two families made trade-offs during their working years to help bolster their retirement dreams.
How much do you know about Social Security? Here’s a good reminder of why planning is so critical.
7 Things Everyone Gets Wrong About Social Security For starters, yes you can collect some of an ex-spouse's Social Security benefits.
Home prices reach their 10-year high. What are your plans for the next year—buy, sell, or stay?
U.S. Home Prices Have Fully Recovered From The Great Recession And hit an all-time high.
Does the snowbird lifestyle interest you? If so, here's what to consider before making this retirement move.
8 Tips to Set Up a Snowbird Lifestyle Here’s how to permanently avoid winter in retirement.
Benefits enrollment time has arrived. Take the time to evaluate your health care options and make the most of your plan.
How to pick the best health care plan during open enrollment Make the right choices and you could cut your costs.
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