The Bank On Yourself™ program is a very exciting way to truly plan out your financial future. Bruce Spencer is a very knowledgeable, committed and caring individual who is truly interested in the best interest of his clients. We felt very comfortable throughout the entire process of setting up our Bank On Yourself™ program. We look forward to a long-term personal relationship as well as a business relationship.
-Don & Shannon Mosbacher, Folsom, CA

Seminar very easy to understand. Questions answered clearly & understandably. In person/personnel interview, very enlightening. Staff very knowledgeable about needs and wants. Bruce chose best program for my needs and for my grandchild and implemented them with very little effort on my part.
-Wayne Crivellone, Rancho Cordova, CA

The financial planning services we receive from Bruce Spencer, of Spencer Financial & Insurance Services, Inc. have been incomparable. He truly listens to our needs and goals, and works diligently to provide reasonable options to meet them. His professionalism and expertise are paramount, and he is sincere in his efforts to learn about who we are and what we want to achieve. We look forward to a continued partnership with Bruce as we pursue our financial goals.
-Recco & Renee Finch, Sacramento, CA

Very good work in the presentations; Bruce is a very good teacher. I’m looking forward to succeeding in this plan. Thanks very much!
-Peter Durgen, Carmichael, CA

From our very first conversation, I could tell you had our best interest at heart! You took the time to really understand our financial picture and how Bank On Yourself™ applied to us! Thank you for being so careful with our finances and thank you for your integrity! This program has given us such peace of mind! Thank you!
-Robert & Sylvia Williams, Elk Grove, CA

Bruce is quite the professional. He seems to know his stuff & enjoys sharing his best thoughts with his potential (& current) clients. Lynda & I are both comfortable in having Bruce help us to Bank On Yourself™ even though the concepts seem to be so foreign. We’ve enjoyed remodeling our kitchen with funds freed up by Bank On Yourself™.
-Brian & Lynda Kaiser, Sacramento, CA

I consider it a privilege to give my appreciation and commendation on your excellent service. You are more than considerate in allocating time to explain this totally new concept. I would be remiss not to mention the depth of explanation you, Bruce, willingly provide regarding the Home Ownership Accelerator linked to Bank On Yourself™ principles. This idea is new to me, almost unbelievable, but to see on paper the possibility to be debt-free, with ones money actually working to provide wealth is exciting.

For years I’ve searched for some way to access my “locked in” home equity and you’ve clearly shown the avenue to finally put those funds to work. I am greatly indebted for your expertise in this area of financing.

Banking On Yourself is an excellent motivator for financial freedom from the banking and mortgage industry. Thankfully thousands of dollars will now be working for me instead of them!

I will gladly recommend your service to others.
-Sally Jeffrey, Rancho Murieta, CA