Confident Retirement Planning for Utah Retirees

Black silhouette of mountain range with an arrow pointing downward.

Helping Utah Retirees Protect Their Lifestyle — Today and for Years Ahead

Retirement brings new freedoms — and new decisions. You want steady income, clear tax planning, and reassurance that your savings will support your goals for decades. We help retirees and near-retirees across South Jordan, West Jordan, Riverton, Herriman, Draper, and Lehi understand their income options, manage risk, and make thoughtful financial choices that bring peace of mind.



With 15+ years of experience, CFP® credentials, and deep knowledge of Social Security, pensions (URS & PERA), retirement tax rules, and long-term care planning, we provide calm, steady guidance through every stage of retirement.

Turn Your Savings Into a Steady Paycheck

Your working income has stopped — but your financial life hasn’t. We help you create predictable, lasting income from the sources you already have: IRAs, 401(k)s, 403(b)/457 plans, pensions, and savings.

Smart Withdrawal Strategies

We design an income strategy using proven approaches such as flexible withdrawal rules, guardrail methods, and Roth/taxable coordination — all tailored to your goals, longevity, and risk comfort.

The Bucket Strategy

Short-term cash, mid-term stability, and long-term growth — organized to help protect your lifestyle during market volatility.

Coordinating Pension & Social Security

We run breakeven analyses for Social Security, explain how URS or PERA benefits interact with your other income, and help you choose timing strategies that maximize long-term security.

Reduce Taxes and Make Your Savings Last Longer

Taxes play a major role in retirement income. With Utah taxing retirement income and federal tax brackets changing year by year, planning ahead can protect your wealth.

Tax-Efficient Withdrawal Planning

We help determine which accounts — Roth, traditional, taxable — to use first and how to minimize tax drag over time.

Required Minimum Distributions (RMDs)

We plan ahead so RMDs at age 73 don’t create unnecessary spikes in taxable income.

Roth Strategy, Conversions & Timing

We evaluate whether Roth conversions can reduce lifetime taxes, strengthen survivor income, or support long-term care needs.

Collaboration With Your CPA

We coordinate with your accountant to keep tax filing and long-term planning aligned.

Healthcare is often one of the biggest variables in retirement. We help you anticipate costs and build a plan that supports your well-being and financial security.

Medicare & Supplemental Coverage Guidance

We clarify the timing, coverage options, and cost expectations for Medicare and supplemental plans.

Long-Term Care Planning

We discuss insurance options, self-funding strategies, hybrid policies, and ways to protect your savings from healthcare shocks.

Risk Management Review

We evaluate life insurance needs, survivor income options, and plan for the financial impact of major life transitions.

Partnership That Continues Well After You Retire

Our “Beyond the Summit” process extends through retirement — supporting you year after year with clarity and consistency.



You can expect:

  • Annual retirement income reviews
  • Portfolio monitoring & rebalancing
  • Tax coordination & RMD planning
  • Healthcare & long-term care guidance
  • Support during major transitions (downsizing, selling a home, helping family)
  • Calm, evidence-based advice through market cycles


We stay with you every step of the way.

What Retirement Planning Looks Like in Real Life

Retired Teacher in South Jordan

We can optimize your URS pension payout, delayed Social Security for higher benefits, and build a bucket strategy for steady income while protecting against volatility.

Former City Employee in Riverton

We can coordinate your PERA pension with IRA withdrawals, set up tax-aware Roth conversions, and create a plan to help support grandchildren’s education.

Couple in Herriman, Recently Retired

We can review your investments, reduce concentrated risk, and help plan for travel, home improvements, and long-term care needs.

Who We Serve

Retirees and Near-Retirees Across Utah

We specialize in supporting:

  • Retired educators & public employees (URS & PERA)
  • Private-sector retirees transitioning from 401(k)s & IRAs
  • Couples with mixed retirement benefits
  • Single retirees managing income independently
  • Those planning early retirement or second-act careers
  • Seniors focused on legacy, giving, and family support



Wherever you are in retirement, we help you stay confident and informed.

Ready for a Clear Path Through Retirement?

Your retirement years deserve stability, clarity, and confidence. Get a second opinion on your income strategy — or let us help you build one from scratch.

  • Who can help me turn my retirement savings into income?

    We build reliable income plans using your pension, Social Security, and investment accounts.

  • How do I make sure I don’t outlive my money?

    We use projection tools, stress testing, and flexible withdrawal strategies to help your savings last.

  • Should I take Social Security or my pension first?

    It depends on timing, benefit formulas, health, and income needs. We run personalized analyses to help you decide.

  • How much can I safely withdraw each year?

    General rules are a starting point. We customize withdrawal rates based on your timeline, portfolio, and market conditions.

  • Can you help with healthcare and long-term care planning?

    Yes — we evaluate Medicare choices, long-term care options, insurance needs, and budget impact.