Spearman Financial Services LLC

07/23/2026

The Savings Trap So Many Americans Fall Into If you looked at how Americans save money compared to the rest of the world, you might be surprised. According to Trading Economics1, the United States has one of the lowest personal savings...

Struggling to save money? Learn the biggest financial traps Americans face and how to build margin, reduce debt, and start saving. Mount Vernon planner.

05/07/2026

Before focusing on investments, I like to start with 3 simple, but important, questions:

• What does financial security look like for you?
• What are you trying to avoid?
• What would make you feel confident in your plan?

Because investing isn’t just about numbers. It’s about clarity, confidence, and knowing your money has a purpose.

The strategy should support your life- not the other way around.

05/01/2026

How “Average” People Actually Build WealthThere seems to be a belief out there that building wealth requires a big income. Six figures. Stock options. Some kind of edge.But the truth is… from what I see, most wealth isn’t built that...

You don’t need six figures to build wealth. A Mount Vernon retirement planner explains what actually works—and how to get started.

03/24/2026

Most money advice sits in the comfortable middle of extremes, and there’s a reason for that. The extremes are compelling, but they can also create blind spots. Two philosophies I hear often are “live large now” and “save every penny.”...

Should you spend now or save everything for later? A Mount Vernon financial advisor breaks down both extremes — and helps you find the balance that fits your life.

03/03/2026

How far are you from retirement, really?Most people carry a number in their heads: “Five years.” “Ten years.” “Soon… I hope.” But that number is usually a guess. Some underestimate how close they are. Others overestimate and risk...

Not sure when you can really retire? A Mount Vernon financial advisor breaks down the numbers, trade-offs, and levers that matter. Book a free consultation today.

01/24/2026

If you or someone you know welcomed a child in 2025 (like my family did!), there’s going to be a new government-backed savings opportunity you’ll want to know about that could give your child a meaningful head start toward their...

11/25/2025

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...

How Financial Planning Helps Mount Vernon Families Get Clarity We’re a fiduciary financial planning firm in Mount Vernon, OH helping clients with retirement planning, rollovers, benefits, saving for retirement, retirement income planning, and investing.

10/23/2025

The questions in my inbox and conversations lately have circled around the same themes: “Am I saving enough?” “What do I do with cash now that rates are moving?” “How do I make retirement income feel predictable?” Think of this month’s...

08/26/2025

📌 True Story:

Recently a client came to me with piling debt, an insufficient emergency fund, and a growing family. Through strategic planning, we were able to create a plan to:

•Pay down debt in the next 5 years
•Build up their emergency fund within the next 6 months
•Allocate free cash flow to their retirement plans to keep them on track for the future
•Obtain sufficient insurance in the case of untimely death

It’s amazing what can happen when your money finally has a roadmap.

What’s the one financial goal you’d love to hit sooner?

Follow the link to schedule your no-cost consultation today! https://m.levitate.ai/de66cc-7i3p5q?landing=true

08/26/2025

The Back-to-School Lesson We Can All Use It’s that time of year again, fresh notebooks, sharpened pencils, and new beginnings.Some parents are sending their kids off for the very first time. Others are waving goodbye to teens who...