About Southernmost Financial Group

Southernmost Financial Group was established in 2021 with two offices: one in the lower Florida Keys and the other in Boston, Massachusetts.  Our focus is helping clients get from where they are to where they want to be. We take a refreshing approach to retirement income planning.  Rather than focus on how much you need to accumulate to retire ($1 million, $5 million, ect.), we figure out how much income you need to not have to work and live the life you choose – and then we figure out how to create that level of income.

After over a decade in the financial planning business I have found a common theme with my clients; most (myself included) have a goal of retiring to a warmer climate. Having fallen in love with the Florida Keys and island life, I decided in 2021 to establish Southernmost Financial Group, LLC. My focus is to replace a client’s income in retirement. With this in mind, I help clients identify which of their annual retirement costs need to covered by guaranteed income each year, and which costs vary and can be paid for later. This helps my clients make efficient investment decisions, and not worry about day-to-day market performance.

Whether you want a complete financial plan, have just one account you’re not happy with, or want another set of eyes to make sure your current plan is working, reach out to me for a free consultation and I will give you my honest, professional opinion.

Jeffrey Spencer

Jeffrey P. Spencer holds his Series 6, 26, 63, and 65, and holds licenses in Life, Accident & Health Insurance. He received his B.S.B.A. in Finance from Suffolk University in Boston, Massachusetts. In addition to his work, Jeff plays hockey twice a week, enjoys golf, and has his U.S.C.G. Captain’s license.

Discover the Keys
to your Financial Success!

Our advisors work to guarantee that our clients can live their best life in their later years. Speak with us about your retirement goals, plans, and how to replace your paycheck when you retire to the warmer weather.  We offer a no-charge no-obligation consultation.  Schedule yours today!

Schedule a FREE Consultation