Kim Spencer, CFP(r)

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 se

minars 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.

I hope you'll take time to watch my review of Q2 2026! 📊In what continues to be an interesting and challenging year, I g...
09/01/2026

I hope you'll take time to watch my review of Q2 2026! 📊

In what continues to be an interesting and challenging year, I go over the upsides, the downsides, and some gentle words of warning.

You can find it here 👉 https://yourplacetoflourish.com/market-updates/

As always, I'm here to answer any questions! 🌱

Today's Monday Motivation honors the wonderful Dolly Parton, who passed from this world last week. I chose this quote be...
08/31/2026

Today's Monday Motivation honors the wonderful Dolly Parton, who passed from this world last week. I chose this quote because Dolly lived it every day in her boundless generosity, kindness, and joy.

Always remember, growing wealth is a means to an end, not the end goal itself. 🦋🌱

This week's Ask Kim comes from a reader who has done everything right. She and her husband have saved well for retiremen...
08/27/2026

This week's Ask Kim comes from a reader who has done everything right. She and her husband have saved well for retirement, but now that they're getting close, a new fear has set in: actually spending the money.

It's one of the most common things I hear from people on the doorstep of retirement, and the good news is that the right conversation can make all the difference.

Read my full response here: https://yourplacetoflourish.com/ask-kim-scared-of-running-out 🌱

08/26/2026

Some people assume you need to have a certain amount of money saved before working with a financial advisor. I hear it all the time, especially from younger people just starting out.

In this video, I'm talking about when the right time actually is, and the different ways working with an advisor can fit almost any stage of life.

Drop your questions in the comments! 🌱

Today is Women's Equality Day, marking the certification of the 19th Amendment in 1920, which guaranteed women the right...
08/26/2026

Today is Women's Equality Day, marking the certification of the 19th Amendment in 1920, which guaranteed women the right to vote. As a Tennessean, this day carries particular meaning. Tennessee was the deciding vote that made ratification possible.

But the story didn't end there. It would be decades before women could open a credit card in their own name or purchase a home without a male co-signer. Financial independence for women is still a relatively recent development, and the echoes of that history are still felt today.

It's a big part of why I do what I do. Helping women understand their finances, build confidence around money, and plan for their own futures is work I take seriously every single day.

Happy Women's Equality Day! 🌱

Pictured is the Tennessee Women's Suffrage Memorial in Downtown Knoxville, featuring likenesses of Elizabeth Avery Meriwether of Memphis, Lizzie Crozier French of Knoxville, and Anne Dallas Dudley of Nashville.

08/20/2026

"What if I'm afraid to invest my money?" It's one of the questions I hear often, and I completely understand it. Fear of the unknown is real, especially when it's your hard-earned money on the line.

In this video I share how I think about that fear and what I tell my clients who feel the same way. You might be surprised.

Have questions about getting started? I'd love to talk. yourplacetoflourish.com 🌱


One of the most important shifts I've seen in retirement planning over the course of my career is this: people are livin...
08/18/2026

One of the most important shifts I've seen in retirement planning over the course of my career is this: people are living longer.

A generation ago, planning for 15 years of retirement was often enough. Today, it's not unusual for someone retiring at 65 to need their money to last 25 or even 30 years.

Withdrawal rate is just one of the many important topics I work through with clients. How much can you take out each year without running out of money too soon? The answer depends on your total savings, your other income sources like Social Security, and how many years that money needs to stretch.

If you'd like to talk through what that looks like for you, I'm here. Visit yourplacetoflourish.com. 🌱

National Financial Awareness Day just passed, and it feels like the right moment to share why I do what I do.Financial a...
08/17/2026

National Financial Awareness Day just passed, and it feels like the right moment to share why I do what I do.

Financial awareness isn't about knowing everything. It's about knowing enough to make confident decisions for your own life.

That's what I help my clients build, not just a financial plan, but a sense of peace about where they are and where they're headed.

If you've been putting off getting a clearer picture of your finances, today is as good a day as any to start. I'd love to help. Visit yourplacetoflourish.com. 🌱

This week's Ask Kim comes from a reader facing a decision a lot of people don't realize is even a choice: take a monthly...
08/12/2026

This week's Ask Kim comes from a reader facing a decision a lot of people don't realize is even a choice: take a monthly pension payment for life, or walk away with a lump sum?

There's no universal right answer, but there are some really important things to think through before you decide. And one mistake in particular that you absolutely want to avoid.

Read my full response here: https://yourplacetoflourish.com/ask-kim-monthly-pension-payment-or-lump-sum/ 🌱

August is National Wellness Month, and I've been thinking about how much financial wellness contributes to overall peace...
08/04/2026

August is National Wellness Month, and I've been thinking about how much financial wellness contributes to overall peace of mind.

We talk a lot about exercise, rest, and mental health, and all of that matters. But money stress is one of the leading contributors to anxiety for most people. When your financial house is in order, something shifts. You sleep better. You worry less. You're more present for the people and moments that matter.

Financial wellness isn't just about numbers. It's about the life those numbers make possible. Visit yourplacetoflourish.com to learn more. 🌱

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Knoxville, TN
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