When I was a baby, my dad passed away. I never got to know him well, but I grew up hearing about the investing club he ran with friends and family. That’s where my curiosity about money began. I wanted to be like my dad.
I was so young when I opened my first investment account that my mom had to be a joint owner on it just so I could start investing. Over time, friends and family started asking me questions — should I do this or that, which accounts to use first, how to save without sacrificing life today. Helping them made me realize this was more than an interest. It was a calling.
Why I chose this path, what drew me in wasn’t spreadsheets — it was people. Money decisions carry a lot of weight: stress, shame, second-guessing. I wanted to turn that into clarity and confidence.
To me, money is a tool for freedom: choosing work you enjoy, buying time back, taking care of the people you love, and sleeping well at night.
A lot of people think financial planning is only for the wealthy. I don’t believe that.
I believe it’s for everyone who wants more control, clarity, and confidence in their life. I believe a good plan isn’t about being perfect, but about making financial decisions that help your progress to living the life you want on your terms.
How I work
- Meet you where you are: No judgment, just a clear picture of today.
- Prioritize what matters: We align decisions to your top 2–3 goals.
- Make it doable: Simple action steps, reviewed on a set cadence.
- Advice first: I don’t lead with products; I lead with a plan.
Who I’m best at helping
- Emerging and mid-career professionals (late 20s to 40s) who are earning more and want to get organized: cash flow, debt strategy, first home, investing the right way, benefits optimization, and getting on track earlier in their careers.
- Professionals within 5–10 years of retirement who want to answer “When can I work because I want to, not because I have to?” I love helping the map where their income will come from, tax strategies they could consider, and how possible withdrawal strategies could affect healthcare.
Moments that stick with me
- A couple in their late 20s, earning six figures, who felt behind. After two meetings, we re-routed their cash flow, automated savings, and set a plan to be mortgage-ready in 24 months without putting retirement at risk.
- A couple who thought they needed five more years before retiring. After mapping their income sources and taxes, they realized they could retire this year with a safety margin. Watching the stress leave their faces is another reason I do this work.
If you’ve been thinking about it… You don’t need everything “perfect” to start. Clarity comes from the conversation, not before it.
If you want a quick, no-pressure second opinion on where you stand and what to do next, grab a free consultation intro by clicking here.
What you’ll get:
- A simple snapshot of your current position
- A few action items to implement for your financial plan
- Whether it makes sense to do more together (or not)
P.S. If timing isn’t right, save this. When open enrollment, a raise, or a life change hits, that’s a great moment to talk.
Additional Disclosures: The material contained in the newsletter is for informational purposes only and is not intended to provide specific advice or recommendations for any individual nor does it take into account the particular investment objectives, financial situation, or needs of individual investors. This material is not intended to provide and should not be relied on for tax advice. Any information contained herein is of a general nature. You should seek specific advice from your tax professional before pursuing any idea contemplated. The information provided has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and does not purport to be a complete analysis of the material discussed. All examples are hypothetical and are for illustrative purposes only, individual results will vary. Securities Offered Through Valmark Securities, Inc.Member FINRA, SIPC Investment Advisory Services Offered Through Valmark Advisers, Inc. a SEC Registered Investment Advisor 130 Springside Dr., Akron, Ohio 44333-2431*1-800-765-5201 Spearman Financial Services is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc