Spencer Johnston

At Applied Financial Planning, I believe financial planning should be more than just numbers on a page. It’s about understanding your unique aspirations and challenges, simplifying the complexities of your financial life, and empowering you to help achieve your goals with confidence. As a fiduciary, I’m committed to acting in your best interest, always.

My passion lies in holistic financial planning, with a focus on retirement planning, risk mitigation, and tax optimization. I specialize in working with pre-retirees, retirees, working professionals and accumulators who value personalized advice and are looking for a trusted partner to navigate their financial journey.

Over the past five years in wealth management, I’ve honed my skills in taking complex investment portfolios, often spread across multiple accounts, and creating a simplified, organized plan that provides clarity, a thorough risk/return assessment, and a ‘purpose for every dollar’ mindset. This approach helps ensure you have a clear understanding of your financial picture, feel confident in your investment strategy, and are better prepared for the future, including legacy planning.

My background includes over three decades in corporate sales and marketing as a global account executive, honing my skills in communication, negotiation, and building strong client relationships. This experience, combined with my CRPC® designation, Series 6, 7, 63, and 66 registrations, and California Insurance License provides me with a unique perspective and the knowledge to help you achieve your financial objectives.

Outside of the office, I’m a raving Los Angeles Dodgers fan, love playing with my grandkids, and stay active with surfing and the gym. My wife, Lara, and I are college sweethearts, and together we have three children and two grandchildren. I cherish spending time with my family and serving in my local church.

Spencer is a non-producing registered representative of Cetera Advisor Networks LLC. CA Insurance License #4101155.