Brett Spencer, CFP®, GFP, CEPA

Cross-Border Financial Planner, Expat Tax Specialist & Founder of Impact Financial

My path into financial planning was intentional from the start. I earned my Bachelor's in Personal Financial Planning from the University of Illinois and went on to complete my Master's in Personal Financial Planning at Texas Tech University. The technical depth I built through those programs (combined with my CFP®, GFP, and CEPA designations) gave me the foundation to tackle the kind of complex, multi-layered situations that most advisors aren't equipped to handle.

Clients choose to work with me because I bring everything together. I prepare tax returns, build financial plans, and manage portfolios, all coordinated around the cross-border complexities that define my clients' lives.

About Impact Financial

I founded Impact Financial because I saw a problem I couldn't ignore. Big firms were focused on scale. Cookie-cutter portfolios. Standardized plans. And the clients with the most complex, nuanced situations, the ones who needed the most thoughtful advice, were being underserved.

People and their finances are unique. That's especially true when you're living across borders. I started Impact Financial to lean into that complexity rather than avoid it, and to build a firm where tailored, comprehensive advice is the standard — not the exception.

Outside the Office

When I'm not helping clients untangle the complexities of cross-border financial life, I'm likely planning my next video or article, or exploring what life looks like from a new corner of the world.

Book a call with Brett here.