Dear Spencer,

We would like to extend our sincere gratitude and share our appreciation for your exceptional service, regarding our financial opportunities and retirement goals. It is clear you have a passion for your career, and we feel fortunate to be the recipients of such a drive. Your dedication is clearly visible. Your willingness to go the extra mile to deliver outstanding communication and to ensure to deliver the most current information, in providing new opportunities to accomplish our goals, is invaluable to us. What we appreciate is the willingness to listen to our needs. The patience to answer our questions in a manner that is not only knowledgeable, but in a way that we can understand the meaning. We also appreciate how you bring forward new ideas and goals that we have not considered as we plan for our retirement. In our busy lives it is easy to forget the importance of financial planning and the best ways to take advantage of our investments and savings. Your continued regular communication regarding these items is an important step in keeping focus on these issues. Understanding markets, investments, and tax issues etc., to receive the most out of our savings is confusing at times; however, your calm approach and willingness to communicate and listen have made a big difference in our ability to understand the investing plans. It is from these experiences that we feel tremendous comfort in achieving our financial and retirement goals, leveraging from your knowledge and guidance. For this, we cannot thank you more than enough. 

– T.S. & K.S.