Refer a Friend

Do you know someone who might share your concerns about financial security?

Please introduce me

Professional

Before I can speak intelligently about the services that might be appropriate for you and your family, I need to get to know you. And, before you can feel comfortable sharing your goals and dreams, you need to get to know me.

Years of Experience

I have been a Financial Representative since 1979.

Education

Degree	Major	Institution
Bachelor of Science	Engineering	Villanova U

Legal Notice | Online Privacy Statement | Customer Privacy Notice

Northwestern Mutual Financial Network is the marketing name for the sales and distribution arm of The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM), and its subsidiaries and affiliates. J Richard Spence is an Insurance Agent of NM (life insurance, annuities and disability income insurance) and Northwestern Long Term Care Insurance Company, Milwaukee, WI, a subsidiary of NM (long-term care insurance), and a Registered Representative of Northwestern Mutual Investment Services, LLC, 245 Riverside Ave Ste 100, Jacksonville, FL 32202-4924, 904-356-5155, a wholly-owned company of NM, broker-dealer and member FINRA (www.finra.org) and SIPC. NM and The Koch Group are not broker-dealers. There may be instances when this agent represents insurance companies in addition to NM or its affiliates.

The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Network Representatives. Network Representatives and their staff might not represent all entities shown or provide all the services discussed on this Web site. Not all products and services are available in all states.

J Richard Spence is primarily licensed in Florida and may be licensed in other states.