David Spence, CPA, CFP, CLU, PFS

After more than 40 years of financial planning that has impacted tens of thousands of Americans through his direct practice and extensive teaching and training, Dave Spence, CPA, CFP, CLU, PFS has poured his most important advice for today's retirees and pre-retirees into the lessons and ideas offered in this course. One of 8 children of a steel mill worker and a stay-at-home mother, Dave is passionate about helping everyday folks who fear running out of money, especially since the government can take more from us whenever they decide to change the tax laws. 

Dave is a Certified Public Accountant (not in public practice), a Certified Financial Planner® (Financial Planning Assoc.), a Chartered Life Underwriter (Amer. College of Fin. Services) and a Personal Financial Specialist (American Inst of CPAs). He is also a Registered Investment Adviser (S.E.C.), a Securities Registered Representative and Principal (FINRA) and insurance licensed in various U.S. states and commonwealths. He has spoken at universities including George Mason (Fairfax, VA) and the University of Southern California (Los Angeles) and been published in USA TODAY.