Richard R. Tourville & Kelly Spencer Financial Professionals

Financial Services Representatives

Richard R. Tourville

I have been involved in the insurance-investment industry for approximately twenty-two years. Fourteen years of that time I was the divisional insurance manager for a major corporation. For the last ten years I have been in my own business as a Financial Professional, presently with MetLife. I am licenced in the State of Florida, for life, health, and variable annuities and hold Series 6 license. I have lived in South Florida since 1958 except for the six years I spent in military service. I am a member of the Palm Beach County Association of Insurance and Finanial Advisors and a board of director for the Lake Worth Chamber of Commerce. I live in unincorporated Palm Beach County west of Lake Worth/Boynton Beach and having been a life long resident of Palm Beach County, I have a vested interest in the community. My wife and I  have three grown married daughters, one of whom is working with me, and seven grandchildren all living in Palm Beach County.

Kelly A. Spencer

 

I have been involved in the insurance-investment  industry for approximately nine years, two of which I worked in group benefits and one year in claims. The last few years I have been in my own business as a Financial Professional with MetLife. I have a license in the state of Florida for Life, Health and Variable Annuities and hold a Series 7 license. I have lived in South Florida all my life and presently live in West Palm Beach with my husband and two sons. I am a member of the Lake Worth Chamber of Commerce and am also a member of the Palm Beach County Association of Insurance and Financial Advisors. My husband and I are third generation South Floridians with deep roots in the community.

 

 

I am licensed and registered to offer products and services in [FL]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

L1011216763[exp1012][FL]

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

More Calculators →

HOT TOPIC: Debating the Debt Ceiling

There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

More Newsletters →