Experience. Integrity. Personal Guidance.
We help individuals and families make informed financial decisions through education, thoughtful planning, and relationships built on trust.
William E. Spar, M.A., CTP, LUTCF
Bill earned Bachelor of Science degrees in Management and Business from the University of Phoenix. He continued his education at the University of Redlands in Southern California, where he completed his Master of Arts degree in Management and Business.
After spending many years in his family’s real estate business, Bill chose to build his own career in the insurance and financial services industry in 2000. Since then, his work has centered on helping people better understand retirement, investments, taxes, and tax-advantaged income strategies.
Bill’s approach reflects more than two decades of academic study, practical experience, thousands of conversations, and collaboration with longstanding industry partners. He has also served as a proofreader for industry books and magazines and has spent years speaking and teaching about important retirement topics.
Knowledge Shared With Purpose
Bill believes education is essential to sound decision-making. His goal is to help clients see their choices more clearly and understand how each decision may affect their complete retirement picture.
Education & Preparation
Advanced study in management and business established a foundation for understanding the personal, practical, and strategic sides of financial planning.
Real-World Experience
More than 20 years in insurance and financial services have shaped a planning process grounded in real conversations, changing needs, and individual circumstances.
Education & Community
Bill has been featured in industry publications and recognized for both his professional work and his commitment to giving back in the communities the firm serves.
Helping Clients Move Forward With Confidence
Our mission is to help clients make thoughtful financial decisions through professional relationships based on integrity, trust, education, and personalized service.
Personalized Planning
We provide comprehensive guidance designed to help clients prioritize their goals, organize their financial affairs, and make decisions aligned with their individual circumstances.
Long-Term Counsel
Advanced Retirement Planning was established to provide long-term financial counsel, attentive service, and ongoing education—not one-time recommendations without context.
A Cohesive Strategy
We work alongside clients to articulate their goals, consider relevant alternatives, and build a strategy that reflects both their financial objectives and personal philosophy.
The Whole Person Comes Before the Plan
At Advanced Retirement Planning, we believe a life well spent is one lived according to values such as honesty, hard work, and respect for others. Relationships matter, and earning someone’s trust is a responsibility we take seriously.
That is why we apply a whole-person approach. The financial option that appears strongest on paper is not automatically the most appropriate choice for every client. A recommendation should reflect the client’s needs, resources, comfort, priorities, and long-term vision.
Each client receives an individualized analysis of their current situation, the alternatives that may be available, and the considerations attached to each path. Better decisions are often made when people understand options they may not have known were possible.
Plan for a Comfortable, Secure Retirement
Peace of mind cannot simply be purchased, but thoughtful preparation and trustworthy professional relationships can help you approach retirement with greater clarity.
Relevant Guidance
Receive information and guidance from educated, experienced professionals.
Clear Education
Understand the retirement and financial options relevant to your situation.
Straightforward Explanations
Have complex choices explained, clarified, and simplified in plain language.
Balanced Disclosure
Hear both sides of each option, including important benefits and considerations.
Practical Solutions
Explore strategies designed for real-world retirement needs and concerns.
No Pressure
Make informed decisions at a responsible pace without high-pressure tactics.
Ongoing Personal Service
Continue receiving attentive guidance throughout your retirement years.
Respect & Confidentiality
Expect your personal financial information to be handled with care and discretion.
Family, Community & the Life Behind the Work
Bill lives full time in Phoenix, Arizona, with his wife, Dena, and their children, Billy Jack and Josi. Outside the office, he is an avid golfer and enjoys football, motocross, NASCAR, and spending time with his family.
His professional life reflects the same entrepreneurial spirit that shaped his early years in the family real estate business. Today, he helps lead businesses focused on financial guidance, investment and advisory services, and tax preparation.
Let’s Build a Better Retirement Together.
Bring your questions, goals, and concerns. We’ll help you begin organizing the pieces and exploring the options available to you.