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Frequently Asked Questions

We believe financial planning should start with understanding your goals, values, and priorities, not selling products or chasing short-term market performance. Our process integrates retirement planning, investment management, tax-efficient strategies, estate planning coordination, and risk management into one personalized financial strategy. We focus on helping clients make informed financial decisions with greater confidence through every stage of life.

Yes. While our office is located in Sandy, Utah, we work with clients throughout Utah and across the western United States. We offer both in-person and virtual meetings, allowing us to provide ongoing planning and investment guidance regardless of location.

We work with individuals, families, retirement-ready investors, business owners, executives, and employer-sponsored retirement plans. Many of our clients are looking for a long-term relationship with a financial professional who can help coordinate multiple areas of their financial life and provide professional guidance as circumstances evolve.

Many people focus on one aspect of their finances, such as investments or retirement savings, while overlooking how other financial decisions affect the bigger picture. Comprehensive financial planning helps align your investments, retirement goals, risk management, tax considerations, and estate planning objectives into a coordinated strategy designed around your specific situation.

The frequency depends on your needs and circumstances. Most clients meet with us regularly to review their progress, discuss life changes, evaluate financial goals, and adjust strategies when appropriate. Financial planning is an ongoing process, and we believe regular communication is an important part of helping clients stay on track. 

Plan sponsors have important responsibilities when overseeing a retirement plan. These responsibilities generally include acting in the best interests of participants, monitoring plan investments, ensuring fees are reasonable, maintaining proper documentation, and following plan governance procedures. We help employers establish prudent processes and provide guidance designed to support their fiduciary oversight responsibilities.

Absolutely. Many organizations engage us after their plan is already established. We can help evaluate investments, review fees, assess plan design, strengthen fiduciary processes, improve participant outcomes, and identify opportunities for enhancing the overall retirement plan experience.

Retirement plans should be reviewed regularly to help ensure investments, fees, plan design, and fiduciary processes remain aligned with the organization's goals and participant needs. Most employers benefit from periodic reviews throughout the year, along with a more comprehensive annual evaluation.

Yes. We frequently collaborate with recordkeepers, third-party administrators (TPAs), payroll providers, attorneys, accountants, and other professionals involved with your retirement plan. Our goal is to serve as part of a coordinated team working toward the plan's success.

Yes. Participant education is an important component of a successful retirement plan. We provide educational meetings and resources designed to help employees better understand topics such as retirement readiness, asset allocation, investment fundamentals, contribution strategies, and the importance of long-term saving habits.

Employee participation and retirement readiness often improve when participants receive consistent education and guidance. We help employers evaluate enrollment trends, contribution rates, plan utilization, and participant behaviors while providing educational resources designed to encourage informed retirement planning decisions.

Yes. Reviewing plan costs is an important part of prudent retirement plan oversight. We help employers understand their service structure, evaluate fees, benchmark where appropriate, and determine whether the services being received align with the overall cost of the plan.

Our retirement plan consulting services may include investment oversight, fiduciary guidance, plan design review, vendor coordination, participant education, committee support, benchmarking, and ongoing plan monitoring. Our objective is to help employers build retirement plans that support both organizational goals and participant outcomes.

We believe advice should be delivered with your best interests in mind. During our initial conversation, we will explain our role, responsibilities, services, and compensation structure so you can fully understand how we work and determine whether our approach is a good fit for your needs.

A productive first meeting often includes retirement account statements, investment account statements, insurance policies, employee benefit information, estate planning documents, and any questions or concerns you would like to discuss. Don't worry if you don't have everything organized. Our first priority is understanding your goals and financial picture.

Yes. We believe the best financial decisions are often made when professionals work together. When appropriate, we coordinate with your accountant, attorney, and other trusted advisors to help create a more comprehensive financial strategy.

Our process begins by learning about your goals, family, financial priorities, and concerns. We then analyze your financial situation, develop recommendations, assist with implementation, and provide ongoing reviews as your circumstances and objectives evolve.

The first step is simply scheduling a conversation. We'll discuss your goals, current situation, and any questions you may have. If it appears there is a good fit, we'll explain our planning process and next steps so you can make an informed decision about moving forward.