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Troy Spencer

Primerica Advisors
28 Years of Experience
Sugar Land, TX
1 DisclosureBrokerSells Insurance
View SEC Summary
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Troy Spencer is a registered investment advisor at Primerica Advisors, based in Sugar Land, TX, with 28 years of industry experience. Troy is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Investment Management, Retirement Planning. Their firm serves 67,816 clients with $16B in assets under management.

Primerica Advisors
Compensation
Fee-Only (% of Portfolio)
Firm Size
3990 advisors
Number of Clients
67,816 clients
Average Client Portfolio
$229K average
Assets Under Management
$15.5B

Fee Structure

Minimum Investment:$25K
Investment management only (planning not offered)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $250K1.74%
$250K - $500K1.71%
$500K - $1.0M1.52%
$1.0M - $3.0M1.38%
$3.0M - $5.0M1.15%
$5.0M - $10.0M1.00%
$10M+0.85%

Total maximum wrap fee schedule combining the maximum advisory fee, program fee, and assuming a maximum asset manager fee of 0.50%. The advisory fee component is negotiable.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

3 Sugar Creek Center Blvd, Suite 100, Sugar Land, TX, 77478

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
September 2004
Settled
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Troy sells insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors, Inc. He also prepares tax returns, sells real estate and health insurance through Troy Spencer, PC, and property and casualty insurance through Allstate, dedicating about a quarter of his time to these activities. Additionally, Troy is the President of CTE Investments, Inc., a real estate company, but it is inactive.

Employment History
Current Registrations
Primerica Advisors
January 2026 - Present · 9 mos
PFS Investments INC.Broker
December 2025 - Present · 10 mos
Previous Registrations
Transamerica Financial Advisors, LLCBroker
April 2019 - November 2025 · 6 yrs 7 mos
Transamerica Financial Advisors, LLC
April 2019 - November 2025 · 6 yrs 7 mos
Investment Advisors
January 2013 - December 2018 · 5 yrs 11 mos
Proequities, INC.Broker
January 2013 - December 2018 · 5 yrs 11 mos
Transamerica Financial Advisors, INC.
January 2012 - January 2013 · 1 yr
Transamerica Financial Advisors, INCBroker
January 2012 - January 2013 · 1 yr
Investment Advisors International, INC.
September 2010 - January 2012 · 1 yr 4 mos
World Group Securities, INC.Broker
June 2009 - January 2012 · 2 yrs 7 mos
World Group Securities, INC.Broker
April 2002 - December 2007 · 5 yrs 8 mos
Wma Securities, INC.Broker
September 1996 - April 2002 · 5 yrs 7 mos
State Registrations1 state
TX
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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