Kim Spencer, CFP(r)

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Kim Spencer, CFP(r) Take the to Financial Independence! My approach may be different from many planners. I plan to be working with them for many years to come.

I take a personal interest in my client's lives, and assist them in any area they wish. Aside from helping them establish, plan and invest for their life goals, I also work with their other partners; attorneys, tax professionals and insurance agents to ensure they have taken care of all aspects of their financial life.. Another area that's important to me is education; and to that end, I offer seminars covering different aspects of finance, from senior scams to women and finance, both to my clients and to the community.I also teach Financial Planning for Divorce through UT's Non Credit Program. My clients become part of my family, and one of my greatest joys is working with multiple generations within the same families.

This week's Ask Kim comes from a reader returning to the workforce after 10 years at home. Her spouse has been saving fo...
10/15/2026

This week's Ask Kim comes from a reader returning to the workforce after 10 years at home. Her spouse has been saving for both of them, but she's ready to build something in her own name.

It's a fresh start, and knowing where to begin makes all the difference.

Read my full response here: yourplacetoflourish.com/ask-kim-navigating-a-large-inheritance-2/ 🌱

You may have heard of a Roth conversion, but you might not know if it makes sense for you.A traditional retirement accou...
10/13/2026

You may have heard of a Roth conversion, but you might not know if it makes sense for you.

A traditional retirement account (IRA or 401k) grows tax-deferred, meaning you pay taxes when you withdraw the money. A Roth account works the opposite way. You pay taxes now and withdraw tax-free in retirement. A conversion moves some or all of your traditional funds into a Roth, paying the taxes today in exchange for tax-free growth going forward.

It's not the right move for everyone, and timing matters. But for some people, it can be a meaningful part of a long-term plan.

If you're curious whether a Roth conversion is right for you, I'd love to talk it through. Visit yourplacetoflourish.com. 🌱

10/12/2026

This is a fun question: What should you do with a financial windfall like winning the lottery or a surprise inheritance? My best advice is to exercise caution!

Drop your questions in the comments!

October has a reputation in financial history. The crash of 1929, Black Monday in 1987, the financial crisis of 2008.But...
10/06/2026

October has a reputation in financial history. The crash of 1929, Black Monday in 1987, the financial crisis of 2008.

But here's what I've seen over the years, and what history actually shows: the market has always recovered. October has also marked the bottom of many downturns, the moment before things turned back around.

Market volatility is unsettling; I won't pretend otherwise. But a long-term perspective teaches us to stay the course, weather the storm, and come out the other side.

If market uncertainty has you wondering about your own plan, I'd love to talk. Visit yourplacetoflourish.com. 🌱

This week's Ask Kim comes from a reader who recently lost her mother and is navigating something many people aren't prep...
10/01/2026

This week's Ask Kim comes from a reader who recently lost her mother and is navigating something many people aren't prepared for: a significant inheritance. Grief and financial decisions are a difficult combination, and she's asking exactly the right question.

How do you honor a gift like that and make it last?

Read my full response here: yourplacetoflourish.com/ask-kim-navigating-a-large-inheritance/ 🌱

Whatever you're navigating right now, that quiet voice matters. Keep going. 🌱Confronting your finances takes courage, to...
09/29/2026

Whatever you're navigating right now, that quiet voice matters. Keep going. 🌱

Confronting your finances takes courage, too. Need a helping hand? I'm here. Find me at yourplacetoflourish.com.

Last week was good for my soul. Over 1,000 miles driven, nearly 27 miles walked and hiked, and more beautiful scenery th...
09/28/2026

Last week was good for my soul. Over 1,000 miles driven, nearly 27 miles walked and hiked, and more beautiful scenery than I can describe.

Mt. Rainier was spectacular in every sense of the word, the Hoh Rainforest was like nothing I've ever seen, and Lake Crescent was simply gorgeous.

I look forward to this trip with these friends every year. I'm grateful for every step. 🌱

The first week of fall is one of my favorite natural reminders to pause and take stock. The days are getting shorter, th...
09/26/2026

The first week of fall is one of my favorite natural reminders to pause and take stock. The days are getting shorter, the holidays are closer than they feel, and the end of the year will arrive before we're ready.

If you haven't done a financial check-in since summer, now is a great time. Visit yourplacetoflourish.com. 🍂🌱

The holidays always arrive faster than we expect, and the expenses can quietly add up to more than we planned.One of the...
09/25/2026

The holidays always arrive faster than we expect, and the expenses can quietly add up to more than we planned.

One of the best things you can do right now is set a number: a total holiday budget covering gifts, travel, food, and entertaining. Write it down and work backwards from there to make your list (and check it twice).

The goal is to enjoy the season without carrying it into the new year on a credit card. If you'd like help, I'm here. Visit yourplacetoflourish.com. 🍂🌱

09/18/2026

One of the most common concerns I hear from clients is whether Social Security will actually be there when they need it. In this video, I'm sharing my thoughts on that question and what it means for your plans.

Drop your questions in the comments! 🌱

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Knoxville, TN
37701

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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