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Kim Spencer, CFP(r)

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United States
Knoxville, TN
Kim Spencer, CFP(r)

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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.

10/29/2026

This week’s Ask Kim comes from a reader in her late 40s who is doing it all: raising her kids, supporting her aging parents, and trying not to lose sight of her own financial future in the process.

If you’ve ever felt like everyone else’s needs come before your own, this one is for you.

Read my full response here: yourplacetoflourish.com/ask-kim-caring-for-others/ 🌱

10/27/2026

Halloween is almost here, and I’ll admit financial planning has a reputation for being a little scary.

But the unknown is almost always scarier than the reality. Having a clear picture of where you stand is one of the most calming things I’ve seen for my clients.

Don’t let fear keep you from a future that flourishes. Visit yourplacetoflourish.com. 🎃🌱

10/22/2026

Stay-at-home parents do invaluable work, but they need to plan for financial security, too. Here's some advice I share with spouses who have stepped back from the workforce.

Drop your questions in the comments! 🌱

10/20/2026

This week is National Retirement Security Week, and it feels like the right moment to ask a simple question: how secure do you feel about your retirement?

Retirement security isn’t about having a perfect plan from day one. It’s about having a plan, revisiting it, and making adjustments along the way.

Whatever stage you’re in, there’s almost always something worth reviewing. I’d love to help. Visit yourplacetoflourish.com. 🌱

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/ 🌱

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!

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. 🌱

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/ 🌱

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.

Address

Knoxville, TN
37701

Opening Hours

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

Website

http://www.yourplacetoflourish.com/

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