Best in class solutions for your financial future.

We meticulously research and select top-tier insurance protection, investment strategies, and retirement planning tools to ensure you receive the highest quality and most effective options available.

Spivey Financial Group:
Acting in Your Best Interest

Hello, World!

Comprehensive Support for Every Stage of Retirement

– Assess. Plan. Achieve.

Your financial well-being is THE priority. We will assess your current situation. You might not like how we do it; our focus isn’t just on the financial statements you bring. We take a wider view of the life, dreams, relationships and values you bring. In addition, we point out risks, both real and imagined, and how managing that risk plays into YOUR retirement.

Given that you’re bringing all of yourself, we can only be expected to bring the best of ourselves. “Best in Class” is a term bandied about by lots of advisors. With us, we are obligated to continually survey the marketplace for the very best financial and risk management products to fit YOUR unique situation. As a fiduciary, nothing less is expected of us professionally.

We will help you to achieve your financial goals through extensive fact-finding (both financial and personal), coupled with ideas and products that will make YOUR plan fit YOUR world.

TRANSFORMING ASPIRATIONS INTO CONCRETE PLANS FOR RETIREMENT

— Your vision needs to be articulated, and HEARD!

  • What all is in your “junk drawer” of financial assets; the drawer (or file) into which you place your unopened statements you don’t have time to review?

  • Who do you love? How do you want to be remembered by them?

  • What does retirement look like to you, and your significant other? (You might be surprised at the answer there).

  • Your goals are wider and loftier than your balance sheet; those goals make it easier to design a plan that fits.

  • And, like “everyone else,” we’ll inventory your assets and liabilities. Unlike everyone else, we’ll match those “real” goals to an income stream, asset base, and legacy concerns that raise your level of comfort for the future.

Why Choose Us?

Let Spivey Financial Group be your partner in building a financial legacy.

  • With more than 40 years in financial services, Jerry Spivey and his team create plans that fit your goals. Whether preparing for retirement, growing investments, or protecting your legacy, we design strategies just for you.

  • We’re a regional firm with coverage all along both sides of the Savannah River from Savannah to Clayton and Anderson to Hardeeville. Our focus is long-term relationships built on honesty and trust. Guided by Jerry Spivey’s CFP®¹, CLU®², and RICP®² designations, depend on Jerry and his team to provide solutions after considering the widest array of options for your financial situation.

  • We cover all areas of financial planning—retirement, college funding, tax strategies, and insurance. We bring everything together and synchronize your plan. Think of it as a Rubik’s Cube: moving one financial piece shifts others. Our team fills your cube with best-in-class financial products and alerts you when changes in one area impacts another. This way, your plan stays aligned, efficient, and ready for life’s changes.

Face market swings with calm. Pick a guide who helps set real goals.

— A clear plan for safe cash flow.

It’s your plan, not ours. We give plain advice, the same we use for our own wealth. All fees, compensation, and risks shown up front. No blind spots.

Chart your financial future with confidence.

— We will help you make well-informed decisions.

You deserve an advisor who is both knowledgeable and trustworthy. Jerry Spivey, principal of Spivey Financial Group, holds the CLU, CFP®, and RICP® designations—credentials reflecting advanced expertise in insurance, financial planning, and retirement income planning. Just as important, Jerry believes it is your plan, not his. The strategy is built around your goals, hopes, and dreams. We focus on the overall plan to synchronize all facets of your financial blueprint to work toward your objectives, while relying on trusted tacticians to handle day-to-day monitoring and performance. As a fiduciary, Jerry’s duty is clear: always act in your best financial interest. Backed by the resources of SilverOak Securities, he delivers best-in-class partners and specific solutions designed to work for you

At Spivey Financial Group, we help business owners solve real financial problems.

Jerry holds the CLU², CFP®¹, and RICP®² designations, so he knows the ins and outs of planning—whether it’s exit strategies (voluntary or involuntary), employee benefits, or protecting cash flow. We don’t push canned plans. We build yours around your goals. Our duty is clear: act in your best interest, every step of the way.

¹ CFP® designation awarded by the Certified Financial Planner Board of Standards, Washington, DC.
² CLU and RICP® designations awarded by The American College of Financial Services, Bryn Mawr, PA.

Strategic Exit Planning

Experience that protects your life’s work.

More than 40 years of advising business owners shows one constant: successful exits are built on preparation, not timing. Strategic exit planning brings clarity, structure, and confidence to a transition that will shape family, finances, and legacy.

The process focuses on understanding options, defining what a “successful exit” means, and preparing for both planned and unexpected events. This includes valuation awareness, tax-efficient distribution strategies, continuity planning, and ensuring buy-sell agreements are both designed and funded properly.

With decades of real-world experience and advanced training as a CFP®, CLU®, and RICP®, guidance is delivered with steady, seasoned judgment — helping owners protect what they have built and move forward with confidence.

Buy-Sell Agreements

A good agreement only works if it’s funded.

Buy-sell agreements are essential for protecting owners, families, and the business itself. These agreements set the rules for what happens in a death, disability, or partner exit — but many are drafted and never funded, creating financial risk at the moment when clarity is needed most.

A well-structured approach ensures valuation methods are current, the agreement reflects the owners’ true intentions, and the funding mechanism matches the business’s reality. Life and disability solutions can create the liquidity needed to keep the business stable and protect surviving owners and families.

With more than 40 years of experience working with closely held businesses, Spivey Financial Group brings disciplined analysis to a tool that only succeeds when design and funding work together.

Succession Planning

Continuity requires intention and preparation.

Many business owners plan to “figure it out later,” but later often arrives sooner than expected. Succession planning brings structure to leadership transition, continuity, and the long-term preservation of the business.

The process begins with understanding owner objectives, identifying key talent, and determining whether the next leader will come from inside or outside the organization.

Tax efficiency, timing, risk management, and a clear financial pathway all play a role.

Unexpected events — death, disability, or a sudden decision to retire — must also be addressed.

Spivey Financial Group combines four decades of practical experience with advanced planning training to help owners build a clear, realistic path that protects value, people, and legacy.

Retirement Plans for Employees

– Realistic guidance. Transparent decisions. Better outcomes.

A retirement plan should reflect the workforce it serves and the priorities of the business sponsoring it. For higher-income employees, tax-advantaged plans offer meaningful long-term benefits. For lower-income employees — often paying very low marginal and extremely low average tax rates — tax deferral may provide limited immediate value.

Sound plan design acknowledges these differences rather than assuming one size fits all. To support employers, Spivey Financial Group partners with a best-in-class firm that reviews the entire 401(k) administrator universe — not a short list of preferred vendors.

This comprehensive search identifies the provider whose features, flexibility, and service model most closely match employer concerns, including fiduciary support, investment options, fee transparency, cybersecurity, participant education, and ongoing plan governance.

This approach also supports rollover 401(k) plans. Many employers need a solution that is cost-efficient, easy to administer, and appropriate for a small group of former employees. A tailored provider selection process ensures these plans remain compliant, manageable, and aligned with the employer’s goals.

Spivey Financial Group helps businesses understand how each plan feature affects different income groups, how various providers approach fiduciary protection, and how to create simple, effective structures that encourage savings without overstating the tax value for those who may receive little benefit from deferral.

Group Insurance for Businesses

Stronger benefits. Smarter protection. Better efficiency.

For most employers, medical insurance represents the single largest group-insurance expense—often dwarfing every other benefit. Effective planning begins with understanding this reality and focusing on the two outcomes that matter most: reducing cost or increasing benefits. When both occur together, true efficiency is achieved.

Spivey Financial Group works with employers to evaluate existing medical and ancillary plans, compare carriers, and understand where dollars are being spent—and where they may be wasted. The goal is to design a structure that delivers the services, fee levels, and administrative efficiency the employer demands, while still offering employees a wide array of options that match their varied needs.

Medical plans, life insurance, disability coverage, long-term care offerings, and supplemental benefits are reviewed through the same disciplined lens: which combination provides the best value, the clearest communication, and the most predictable long-term cost.

With more than 40 years of advising businesses and extensive experience in employer- sponsored benefits, Spivey Financial Group provides objective guidance that balances cost, coverage, and choice—helping organizations protect their people while using every benefit dollar wisely.

Contact us.

At Spivey Financial Group, you will receive the type of financial advice and investment management that you deserve after years of your hard work. Like few other planners, we have the experience to have worked a very long time and have an understanding about how absolutely critical it is for your money to last as long as you do.