Jennifer Specter, MA

Chief Operations Officer & Chief Compliance Officer

Jennifer has over two decades of experience in the financial services industry, including more than 10 years with Charles Schwab Advisor Services in a variety of roles, from client relationship management to program management with Schwab’s Business Consulting Services group. Jennifer worked with Cruz Consulting Group as a consultant to financial advisory firms on business management topics before she joined SFG where she now manages and coordinates business operations and is responsible for the firm’s overall productivity and efficiency.

Jennifer Specter, MA

Meet Jennifer


Jennifer is the oldest of 5 children and is from California – born in Northern California, raised in Central California, and college-educated in Southern California.

Growing up on a small ranch in Central California, Jennifer excelled at her first passion, horseback riding. She also developed a love of the arts, especially Theater Art which she minored in at U.C. San Diego. One of her favorite art events is the Pageant of the Masters held annually in Laguna Beach, CA where famous art pieces are reproduced by live actors. She enjoys concerts and Broadway plays as well as hiking and snowshoeing in the Sierra Nevada Mountains, wine tasting, golfing, and traveling with her husband, Bruce. Her family includes 2 fur babies, Chase (a sweet Pomhuahua) and Sam I Am (an overly-energetic and very vocal Yorkipoo). Jennifer holds a Bachelor’s degree in Psychology from the University of California at San Diego and a Master’s degree in Psychology from Northern Arizona University.

“I try to focus on the positive things in my life. Staying physically active and intellectually engaged are also important to my psychological well-being.”


Master of Arts - Psychology
Bachelor of Arts - Psychology

Years of Experience

26 years

Favorite Art Style


How I live the Four Capitals

I try to follow these strategies: save automatically by having funds auto-deposited into a retirement account; save for emergencies; pay off high-cost debt; and keep within a planned budget.

I’ve always been very physically active through sports. I enjoy golfing and will frequently walk the course instead of taking a golf cart. I also enjoy working out on a regular basis with my husband and my co-workers. I also like taking my dogs for hikes and walks. I’m mindful about drinking a lot of water and eating fruits and vegetables on a daily basis.

It is challenging to find a sense of calm but I find that yoga helps. I try to focus on the positive things in my life. Staying physically active and intellectually engaged are also important to my psychological well-being.

I enjoy learning about new things whether it be through books, travel, conversations with others, or new experiences.

Why I enjoy working at SFG

I like working with our motivated and energetic team. We have a great culture and camaraderie.