Our Solutions
Our Services
Financial Confidence Today.
A Confident Future Tomorrow.
Based in Sandy, Utah, we provide personalized retirement planning services for individuals and families, as well as retirement plan consulting and fiduciary guidance for employers throughout Utah and the western United States. Our comprehensive approach brings together retirement income planning, investment management, tax-efficient strategies, estate planning coordination, and ongoing financial guidance to help you retire with confidence.
For Individuals & Families
8 Services
Retirement Income Planning
Creating sustainable retirement income requires balancing investment growth with predictable withdrawals while managing taxes and inflation.
We help you develop strategies for:
- Creating reliable retirement income
- Determining sustainable withdrawal rates
- Coordinating income from retirement accounts
- Managing market volatility during retirement
- Planning for inflation
- Preserving assets for future generations
Instead of relying on rules of thumb, we build retirement income strategies based on your unique financial circumstances and long-term goals.
Investment Management for Retirement
Retirement often changes how your portfolio should be managed.
As you transition from accumulating assets to generating income, your investment strategy should reflect your:
- Risk tolerance
- Time horizon
- Income needs
- Tax considerations
- Estate planning goals
Our investment management process focuses on building diversified portfolios designed with a goal to help support long-term retirement income while managing investment risk.
Tax-Efficient Retirement Planning
Taxes don’t end when you retire. In fact, taxes can become one of the largest expenses you’ll face during retirement.
We help evaluate strategies such as:
- Tax-efficient withdrawal sequencing
- ROTH conversion opportunities
- Required Minimum Distribution planning
- Capital gains management
- Retirement account distribution strategies
- Coordinating retirement income with Social Security
Every dollar you keep through thoughtful tax planning is another dollar available to support your retirement.
Social Security & Medicare Planning
When you claim Social Security benefits can significantly affect your lifetime retirement income.
We help you evaluate:
- Optimal claiming strategies
- Spousal benefit considerations
- Survivor benefits
- Coordinating Social Security with retirement withdrawals
- Medicare enrollment timing
- Healthcare planning in retirement
These decisions should be considered within your overall retirement strategy—not in isolation.
Estate & Legacy Planning
Retirement planning also means preparing for the future of those you care about.
Topics include:
- Beneficiary reviews
- Asset transfer strategies
- Charitable giving
- Family legacy planning
- Trust coordination
- Wealth transfer planning
We work alongside your attorney and tax professionals to help ensure your financial strategy aligns with your estate planning objectives.
Common Retirement Planning Challenges
Many individuals nearing retirement share similar concerns:
- Will I have enough income throughout retirement?
- How should my investments change?
- When should I claim Social Security?
- How can I reduce taxes during retirement?
- What happens if markets decline shortly after I retire?
- How do I prepare for healthcare expenses?
- Will my spouse be financially secure?
- How do I leave assets to my children or grandchildren?
Our planning process is designed to help answer these questions with a personalized strategy tailored to your goals.
Who We Serve
Our retirement planning services are designed for:
- Individuals within 10 years of retirement
- Recently retired couples
- Business owners preparing for retirement
- Professionals transitioning from full-time careers
- Families seeking comprehensive retirement planning
- Individuals looking for a second opinion on thier retirement strategy
Whether you’ve accumulated $500,000 or several million dollars, thoughtful planning can make a meaningful difference.
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.
Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.
Related Financial Planning Services
Retirement planning works best when it’s coordinated with the rest of your financial life.
You may also be interested in:
- Comprehensive Financial Planning – Build a personalized roadmap that aligns your income, investments, taxes, insurance, and long-term goals.
- Investment Management – Professionally managed portfolios designed to support your retirement objectives.
- Tax Planning Strategies – Explore ways to improve tax efficiency before and during retirement.
- Estate Planning – Coordinate your retirement strategy with your legacy and wealth transfer goals.
- Insurance & Risk Management – Review coverage to help protect your family and financial future.
These services work together to create a more complete financial strategy.
For Employers & Plan Sponsors
8 Services
Plan Consulting Services
Retirement plans require more than selecting investment options. Successful plans combine thoughtful design, prudent oversight, employee education, and ongoing governance.
Our retirement plan consulting services include:
- 401(k) Plan Consulting
- Retirement Plan Design
- Fiduciary Guidance
- Investment Menu Oversight
- Fee Benchmarking
- Vendor Evaluation
- Retirement Plan Committee Support
- Employee Education
- Plan Governance Best Practices
- Ongoing Investment Monitoring
Our goal is to help employers provide competitive retirement benefits while establishing a prudent process for plan oversight and fiduciary decision-making.
401(k) Plan Design & Consulting
Every organization has different goals, budgets, and workforce demographics. We help employers evaluate retirement plan features that support both business objectives and employee participation.
Areas of focus include:
- Employer matching strategies
- Safe Harbor Provisions
- Profit-sharing options
- Automatic enrollment
- Automatic escalation
- Roth contribution options
- Eligibility requirements
- Vesting Schedules
Thoughtful plan design can improve employee engagement while helping employers meet their retirement benefit objectives.
Fiduciary Guidance for Plan Sponsors
Serving as a retirement plan fiduciary carries important responsibilities. We help employers establish a documented process for making informed decisions regarding their retirement plans.
Our guidance includes:
- Fiduciary education
- Investment review processes
- Committee governance
- Documentation best practices
- Service provider evaluations
- Investment Policy Statement (IPS) support
- Ongoing plan monitoring
A prudent fiduciary process can help demonstrate that decisions are made in the best interests of plan participants.
Investment Monitoring & Oversight
Selecting investments is only the beginning. Ongoing monitoring seeks to ensure your retirement plan continues to meet its objectives as markets, participant needs, and investment options evolve.
Our process includes reviewing:
- Investment performance
- Risk characteristics
- Expense ratios
- Manager changes
- Asset class diversification
- Participant untilization
- Investment lineup consistency
We provide regular reporting and recommendations designed with a goal to support informed fiduciary decisions.
Vendor & Fee Benchmarking
Retirement plans rely on multiple service providers, including recordkeepers, third-party administrators (TPAs), custodians, and investment managers.
We help employers evaluate:
- Service quality
- Administrative capabilities
- Participant experience
- Technology platforms
- Investment resources
- Plan costs
- Fee reasonableness
Periodic benchmarking helps seeks to ensure your retirement plan remains competitive and cost-effective.
Employee Retirement Education
Even the best retirement plan only succeeds when employees understand how to use it. We provide educational resources designed to improve participant engagement and financial confidence.
Topics may include:
- Understanding your 401(k)
- Saving for retirement
- Investment basics
- Asset allocation
- Retirement income planning
- Financial wellness
- Preparing for retirement
Educated participants are often better equipped to make informed financial decisions throughout their careers.
Retirement Plans We Support
We work with a variety of employer-sponsored retirement plans, including:
- Traditional 401(k) Plans
- Safe Harbor 401(k) Plans
- Profit Sharing Plans
- SIMPLE IRA Plans
- SEP IRA Plans
- 403(b) Plans
- Defined Benefit Plans
- Cash Balance Plans
- Employee Stock Ownership Plan (ESOP)
- Nonqualified Deferred Compensation Plans
Whether your organization has ten employees or several hundred, we can help evaluate strategies appropriate for your retirement plan.
Who We Serve
Our retirement plan consulting services are designed for:
- Small and mid-sized businesses
- Professional practices
- Family-owned businesses
- Medical and dental practices
- Manufacturing companies
- Construction firms
- Nonprofit organizations
- Corporate retirement plan committess
- Business owners establishing a retirement plan
We proudly serve employers across Utah and the western United States, providing both in-person and virtual consulting.