Spencer Cultra

Office: Memphis
5100 Poplar Ave, Suite 2300
Memphis, Tennessee 38137
Direct: (901) 746-6324

Direct: (901) 746-6324
Fax: (901) 748-0222

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Our Partners- Spencer Cultra

I have a core belief that our most important duty in life is to serve as a steward for the people and things that we care about the most.

What I have found is that the greatest stewards are so busy providing for others that they seldom take time out to help themselves.  They are so others-focused that planning for their own success almost feels selfish.  My primary function is to help my clients understand the value of having a comprehensive plan that provides them a clear path to their goals, based on their vision, and totally directed by their values.

Whether you are starting a business or exiting, beginning to accumulate for retirement or beginning to distribute your wealth in retirement, or simply wanting to make sure that your legacy is fulfilled with certainty, the planning we provide gives you unbiased guidance and advice that ensures you are on target.


Areas of Expertise:

  • Financial Planning
  • Risk Management
  • Investment Management
  • Retirement Income Planning
  • Qualified retirement plans
  • Education Funding
  • Estate Planning
  • Business Succession and Transition Planning
  • Executive Compensation Plans
  • Estate / Business Tax Reduction Strategies
  • Debt Management
  • Employee Benefit Plans
  • Charitable Gifting Planning


Catawba College
University of Central Florida
PGA of America Business School


Member and Volunteer of High Point Church Collierville
Young Life sponsor
Collierville Chamber of Commerce
Memphis Chamber of Commerce
Men’s Golf Fellowship

How Our Process Works

Our process is based on providing objective advice with a financial planning fee, which allows us to work alongside your current plan and make the necessary adjustments to help accomplish your goals.

In many plans, we find that there are gaps that exist due to a lack of continuity in relationships and advice from multiple areas. We will help you bridge those gaps with creative planning and solidify all areas of your plan.


We’ll meet to understand your full financial situation, develop your goals, and show you how to address them. We’ll gather information and review relevant facts so we can establish priorities and identify gaps.

Customized1 Planning

We’ll go over all the details of your customized plan, discuss your options, and make recommendations to put you on the right track to meeting your financial goals.


We’ll show you the steps, help you execute them, and work with your team of other advisors. We will break down the necessary steps in order of priority so that you can make progress without feeling overwhelmed.


We’ll meet at least once per year to review progress towards meeting your goals, and update your plan based on changing financial, family, or tax situations. We’re your trusted partner and long-term advisor.

1 The producer’s relationship with the client during post-plan delivery is as a registered representative and not as a fee-based financial planner.
2 The client is free to implement the plan recommendation with whomever he/she chooses.
3 Periodic reviews or updates require a new agreement and may be subject to additional fees.

Let's Look Forward

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Does it sound like Spencer would be a good fit for you? Give him a call today.

More About Spencer...

As a spouse, a parent, and a business owner myself, I understand the importance of having a plan to achieve all of the many goals in my life, and in the life of those I care for.  Just like my clients experience every day, life is constantly changing and presenting new opportunities and new obstacles.  By having a foundational plan that is able to adjust to the ongoing ebbs and flows of life, my clients are able to have peace of mind that their financial life is on track and their goals are still attainable.
Interested in working with Spencer? Set up a time to talk and learn how he can help you build a plan to reach your financial goals.