W. Spencer Retirement Solutions L.L.C.  is headquartered in Bozeman, Montana..

Serving Montana, Oregon, California, Virginia and Arizona, along with our partner affiliate Jacken Insurance, adding Colorado, Nevada, Idaho, and Hidden Meadow Insurance Services also in Montana, Idaho, and Wyoming.

W. Spencer Retirement Solutions L.L.C. works with more than 40 Insurance and Financial Services companies for Insurance and Financial Services solutions.

Bozeman, Montana
Office: 406-624-3914
Fax: 406-924-6114

Southern Oregon partner affiliate:
dba Jacken Insurance, adding Colorado, Nevada, Idaho.
Office: 541-499-0140 or 541-415-2770
Fax: 541-596-2722

Montana, Idaho, Wyoming partner affiliate:
dba Hidden Meadow Insurance Services
Office: 304-688-2882

Toll-free: 800-705-3216

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.

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 La Crosse Wisconsin, and her family moved to Oregon when she was around age 1. We have two grown daughters.

Our connection to Montana is our youngest daughter and 3 grandkids who live in Bozeman. We decided to sell our Medford Oregon home of 31 years and move to Bozeman in 2017, also expanding our business services, now headquartered in Montana.


Sandy and I are Labrador Retriever dog lovers, enjoy the outdoors and various music genres, road trips, and entertaining 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.