Lance Spencer has been an investment adviser representative at Prosper Private Wealth since July 2025, and is not listed among the firm’s executive officers or direct owners. Lance Spencer holds an MBA from Boston College Carroll School of Management and a BS in Finance from Brigham Young University.
Prosper Private Wealth, LLC is a Mesa, AZ firm with $151M under management, 51 clients and 2 advisers in one office, as of its September 2026 filing.
Lance Spencer is an advisor with Prosper Private Wealth. He has more than 25 years of experience in investment management and retirement income planning. Prior to joining Prosper, he spent over eight years at Fidelity Investments as a Vice President and Financial Consultant, and previously served as a Portfolio Consultant with Charles Schwab.
Lance Spencer’s longest registration was 5 years at Strategic Advisers LLC (2012–2018). Before joining Prosper Private Wealth in 2025, Lance Spencer was registered through Summit Global Investments, LLC and Fidelity Personal and Workplace Advisors.
- Prosper Private WealthCurrent– present · 1 yearProvo, UT · Adviser representative · Firm CRD 333708
- Summit Global Investments, LLC– · 4 yearsMesa, AZ · Adviser representative · Firm CRD 157091
- Fidelity Personal and Workplace Advisors– · 2 yearsBoston, MA · Adviser representative · Firm CRD 288590
- Strategic Advisers LLC– · 5 yearsChandler, AZ · Adviser representative · Firm CRD 104555
- Schwab Private Client Investment Advisory, Inc.– · under a yearPhoenix, AZ · Adviser representative · Firm CRD 159035
- Charles Schwab & Co., Inc.– · 2 yearsPhoenix, AZ · Adviser representative · Firm CRD 5393
- Strategic Advisers, Inc.– · 3 yearsMerrimack, NH · Adviser representative · Firm CRD 104555
Professional designations
Listed by Prosper Private Wealth
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
Investment adviser representative registrations
Lance Spencer is registered as an investment adviser representative in Utah, since December 2025.
- UtahSince 9 December 2025
Examinations
| Exam | Name | Passed |
|---|---|---|
| SIE | Securities Industry Essentials Examination | Credited |
| Series 66 | Uniform Combined State Law Examination | 15 September 2005 |
| Series 8 | General Securities Sales Supervisor Examination (Options Module & General Module) | 6 July 1994 |
| Series 4 | Registered Options Principal Examination | 27 February 1992 |
| Series 7 | General Securities Representative Examination | 16 June 1990 |
| Series 63 | Uniform Securities Agent State Law Examination | 11 September 1989 |
| Series 6 | Investment Company Products/Variable Contracts Representative Examination | 28 August 1989 |
- Name
- Securities Industry Essentials Examination
- Name
- Uniform Combined State Law Examination
- Name
- General Securities Sales Supervisor Examination (Options Module & General Module)
- Name
- Registered Options Principal Examination
- Name
- General Securities Representative Examination
- Name
- Uniform Securities Agent State Law Examination
- Name
- Investment Company Products/Variable Contracts Representative Examination
- Full name
- Lance T Spencer
- CRD
- 1981961
- Firm
- Prosper Private Wealth · CRD 333708
- Office
- Provo, UT
- Registration
- Investment adviser registration
- In the industry since
- January 1991
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- prosperpw.com
Where does Lance Spencer work?
Lance Spencer is an investment adviser representative registered through Prosper Private Wealth, LLC since July 2025, and is not listed among the firm’s executive officers or direct owners.
Is Lance Spencer a financial advisor?
Yes. Lance Spencer has a current investment-adviser registration in Utah, through Prosper Private Wealth since July 2025.
How many years of experience does Lance Spencer have?
Lance Spencer has 35 years in the financial industry, since January 1991, across 6 adviser firms.
What exams has Lance Spencer passed?
Lance Spencer has passed 6 licensing exams: the Series 6, Series 63, Series 7, Series 4, Series 8 and Series 66. The earliest, the Series 6, was passed in August 1989. FINRA credited Lance Spencer with the SIE, which began in October 2018.
Where did Lance Spencer work before Prosper Private Wealth?
Before Prosper Private Wealth, Lance Spencer was registered through Summit Global Investments, LLC, March 2021 to April 2025; Fidelity Personal and Workplace Advisors, July 2018 to November 2020; Strategic Advisers LLC, November 2012 to July 2018; Schwab Private Client Investment Advisory, Inc., January 2012 to October 2012; Charles Schwab & Co., Inc., November 2009 to December 2011; Strategic Advisers, Inc., September 2005 to January 2009.
Where is Lance Spencer based?
Lance Spencer’s registered office is in Provo, UT.
Is Lance Spencer registered with FINRA?
No. Lance Spencer has no current broker registration.
Is Lance Spencer a CFP?
Prosper Private Wealth lists Lance Spencer with the CFP credential (“CERTIFIED FINANCIAL PLANNER™ (CFP®)”) on its website. CFP Board confirms certification status.
How can I verify Lance Spencer’s record?
Search CRD 1981961 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Lance Spencer’s full registration record.