Confident Retirement Planning for Utah Retirees
Helping Utah Retirees Protect Their Lifestyle — Today and for Years Ahead
Retirement brings new freedoms — and new decisions. We help coordinate tax-aware financial planning strategies with your tax professional. Information provided is not tax advice. Please consult your tax professional regarding your specific situation. 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.
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 clients evaluate retirement income strategies designed to align with their goals, risk tolerance, income needs, and changing market conditions. All investments involve risk, including the possible loss of principal.
Reduce Taxes and Make Your Savings Last Longer
We help clients evaluate retirement income strategies designed to align with their goals, risk tolerance, income needs, and changing market conditions. All investments involve risk, including the possible loss of principal.
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)
We stay with you every step of the way.
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 help clients evaluate retirement income strategies designed to align with their goals, risk tolerance, income needs, and changing market conditions. All investments involve risk, including the possible loss of principal.
How do I make sure I don’t outlive my money?
We help clients evaluate retirement income strategies designed to align with their goals, risk tolerance, income needs, and changing market conditions. All investments involve risk, including the possible loss of principal.
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.
