Serving Southern Oregon, Montana and California, W. Spencer Retirement Solutions L.L.C., partnering with more than 40 Insurance and Financial Services companies for Insurance and Financial Services solutions.
If we can't compliment your insurance needs, making a difference for YOU, we will not waste your valuable time, but tell you quickly that we can't help. Or if at all possible, find another insurance or financial services professional who we trust that may be able to help you best. Our reputation is all we have, and one chance to do it right.

There is no cost to you in providing any information that you request. Thanks ahead for your trust.


Bankers Life and Casualty Company in Medford for over 20 years:
   Branch Sales Manager from February 2009 through January 2014.
   Unit Sales Manager from January 2007 through February 2009.
   Insurance Agent from May 1993 through January 2007.

Insurance and Variable Lines Licensed
   Oregon License #2580749. Life, Health, Property and Casualty, Variable Lines.
   Montana License #3000128669. Life, Health, Property and Casualty, Variable Lines..
   California License #0A84574. Life, Health, Property and Casualty.

President Honor Circle qualifier for 12 years.

Million Dollar Roundtable qualifier for 11 years.

Rogue Valley Association of Insurance and Financial Advisors member - served on the board for 2 years.

Member of the Rogue Valley Senior Alliance.

Finance, Sales and Insurance experience since 1980.

Prior experience in Escrow and Title.

I was born and raised in Hawaii. Moved to Medford Oregon in 1980. I've been married to my wife Sandy since 1986. Sandy was born in LaCrosse Wisconsin, and her family moved to Oregon when she was around age 1.

We have two grown daughters, Now that our two daughters are grown and gone from the nest, we have two Labrador Retrievers!

Our connection to Montana is our youngest daughter, son-in-law and 3 grandkids who live in Bozeman. With that said, we decided to expand W. Spencer Retirement Solutions L.L.C. to Montana as well!


I enjoy camping, boating, fishing, travel and interacting with people. I play the ukulele, and enjoy most kinds of music, westerns & old movies. My wife Sandy and I love to entertain with family and friends.

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To empower individuals by providing the "how to" knowledge for future financial security in Long Term Care, Asset protection and Medicare planning. To provide individuals with the tools necessary to maintain independence and to take away any potential burden from family and friends.