Welcome to our Web site, where you'll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that become available when you take a proactive approach to your personal financial situation.

Spencer & Spencer, consisting of Joseph Spencer IIICourtney Spencer Cuykendall, and Derek Spencer, created this Web site to help you gain a better understanding of the financial concepts behind insurance (Business Group & Individual), investing*, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

We're here to help educate you about the basic concepts for planning for your financial future, to help you learn more about who we are, and to give you fast, easy access to market performance and data.

If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, you can either call me at (973) 971-0002, or click the link below to email me.

Click here to email me.

Our representatives are insurance and securities licensed in our resident state of New Jersey, as well as the following states: New York, Pennsylvania, California, Texas and Connecticut.  For additional licensing information, please contact Joseph A. Spencer at Spencer & Spencer.  Not an offer or solicitation of product and services in any state where representatives are not licensed.