Originally aired on KAOX, KID, KNRS, and KSL

The Utah Retirement Spending Shock: Why Everything You've Been Told About Retirement Costs Is Wrong

Published: July 26, 2025
Last Updated: March 18, 2026
Author: Mike Stevens, Capital Wealth Advisors
Episode: Retire Right Radio, July 26, 2025

Originally aired on KAOX, KID, KNRS, and KSL. This comprehensive guide is based on the July 26, 2025 episode of Retire Right Radio with Mike Stevens, founder and president of Capital Wealth Advisors.

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Introduction: The 80% Retirement Spending Myth

For decades, financial advisors have been telling Americans they'll need 80% of their pre-retirement income in retirement. But as Mike Stevens revealed in this week's eye-opening episode, this one-size-fits-all rule is not just wrong for Utah retirees - it's dangerously misleading.

The shocking reality: Most Utah retirees actually spend more in their early retirement years, not less. The traditional assumptions about declining expenses ignore the reality of modern retirement life, Utah's recreation opportunities, and the desire to finally enjoy the money you've been saving for decades.

Whether you're planning retirement in Salt Lake City, dreaming of your St. George golf years, or preparing for Park City mountain adventures, the spending patterns discussed in this episode could completely change how you plan for retirement.

After nearly two decades of helping Utah retirees navigate their actual spending (not theoretical projections), Mike Stevens has identified the real patterns that separate retirees who run out of money from those who can afford to live their retirement dreams.

The bottom line: Retirement spending is more complex, more personal, and more variable than any rule of thumb can capture. But understanding the real patterns can help you plan properly.

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Key Takeaways: The Reality of Utah Retirement Spending

The Three Phases of Retirement Spending

Phase 1: Go-Go Years (Ages 62-75) - The Spending Surge

• Typical spending: 90-120% of pre-retirement income
• Why it's higher: Pent-up travel desires, new hobbies, helping family
• Utah factors: National park adventures, skiing, outdoor recreation
• Duration: 10-15 years typically
• Financial impact: Can consume 40-50% of total retirement funds

Phase 2: Slow-Go Years (Ages 75-85) - The Natural Decline

• Typical spending: 70-85% of pre-retirement income
• Why it's lower: Less travel, fewer activities, established routines
• Utah factors: Local activities, family time, community involvement
• Duration: 8-12 years typically
• Financial impact: Most predictable phase for planning

Phase 3: No-Go Years (Ages 85+) - The Healthcare Surge

• Typical spending: 60-120% of pre-retirement income (highly variable)
• Why it varies: Healthcare and care costs dominate
• Utah factors: Family care vs. professional care decisions
• Duration: 5-15 years possible
• Financial impact: Can consume remaining assets rapidly

Utah-Specific Spending Realities

Higher than national average costs:

• Recreation and travel: Utah retirees spend 15-25% more on experiences
• Home maintenance: Mountain weather and outdoor lifestyle increase costs
• Vehicle expenses: 4WD vehicles, winter tires, mountain driving wear
• Family support: Utah culture includes supporting children and grandchildren

Lower than national average costs:

• Housing: Utah housing costs lower than coastal retirement destinations
• State taxes: No tax on Social Security, moderate income tax rates
• Healthcare: Intermountain Healthcare competitive pricing
• Entertainment: Less expensive than major metropolitan areas

The Utah Retirement Spending Breakdown

Essential expenses (40-50% of spending):

• Housing: $2,500-$4,000/month (varies by location)
• Healthcare: $1,200-$2,500/month (increasing with age)
• Food: $800-$1,200/month
• Transportation: $600-$1,000/month
• Utilities: $300-$500/month

Lifestyle expenses (30-40% of spending):

• Travel and recreation: $1,000-$3,000/month
• Dining and entertainment: $600-$1,200/month
• Hobbies and activities: $400-$800/month
• Personal care and clothing: $300-$600/month

Family and discretionary (10-20% of spending):

• Grandchildren support: $500-$1,500/month
• Charitable giving: $300-$1,000/month
• Home improvements: $200-$800/month
• Emergency fund replenishment: Variable

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Real Utah Retiree Spending Analysis

Case Study: The Johnsons - Salt Lake Valley Reality Check

Background: Retired couple, ages 63 and 61, former healthcare workers Pre-retirement income: $135,000 combined Retirement assumption: "We'll need about $110,000 to maintain our lifestyle" Reality: First three years averaged $147,000 annually

Why they spent more than expected:

1. Travel explosion: $18,000 first year vs. $3,000 while working
2. Home improvements: $25,000 kitchen renovation they'd postponed
3. Grandchildren spoiling: $8,400 annually vs. $2,000 while working
4. Recreation spending: $12,000 annually for RV, skiing, hiking gear
5. Healthcare premiums: $14,400 annually (higher than employer subsidized)

Spending breakdown by category:

• Year 1: $156,000 (116% of pre-retirement income)
• Year 2: $142,000 (105% of pre-retirement income)
• Year 3: $143,000 (106% of pre-retirement income)
• Projected Year 10: $125,000 (93% of pre-retirement income)

Utah-specific factors:

• Recreation: Utah's opportunities led to higher outdoor spending
• Family: Utah family culture increased grandchildren support
• Travel: Pent-up demand for national park adventures
• Home: Aging home needed mountain climate improvements

Case Study: The Williamses - St. George Retirement Reality

Background: Relocated retirees from California, ages 65 and 62 Pre-retirement income: $185,000 combined
California projections: Expected 20% cost reduction in Utah Reality: Spending increased 15% despite lower Utah costs

Why Utah didn't reduce their spending:

1. Golf lifestyle: $8,400 annually for club memberships and fees
2. Increased dining: More restaurant meals without work schedules
3. Extended family visits: Higher hosting costs for California family
4. Healthcare premiums: Private insurance until Medicare eligibility
5. Home cooling: Higher summer electricity bills than expected

Actual spending patterns:

• Housing: 25% lower than California (as expected)
• Taxes: 35% lower than California (better than expected)
• Recreation: 150% higher than California (unexpected)
• Dining: 85% higher than California (unexpected)
• Overall: 15% higher spending despite 20% lower cost environment

Utah lifestyle inflation factors:

• Golf culture: St. George's golf scene increased recreation spending
• Dining opportunities: More frequent restaurant meals
• Entertainment: Increased social activities and events
• Travel: Central location increased vacation opportunities

Case Study: The Andersons - Park City Mountain Lifestyle

Background: Early retirees, ages 58 and 56, tech industry Pre-retirement income: $245,000 combined Planning assumption: "$200,000 should be plenty in retirement" Reality: Averaging $285,000 annually for first five years

Park City premium spending factors:

1. Resort lifestyle: $25,000 annually for skiing, dining, entertainment
2. Home maintenance: $18,000 annually for mountain home upkeep
3. Vehicle costs: $12,000 annually for mountain-capable vehicles and maintenance
4. Travel: $35,000 annually for premium travel experiences
5. Family support: $45,000 annually helping children with home purchases

Spending evolution over time:

• Years 1-2: $315,000 annually (128% of pre-retirement)
• Years 3-4: $275,000 annually (112% of pre-retirement)
• Year 5: $265,000 annually (108% of pre-retirement)
• Projected stabilization: $225,000 annually by year 10

Lessons learned:

• Early retirement spending surge: Pent-up demand led to overspending
• Lifestyle adaptation: Took 5+ years to establish sustainable patterns
• Geographic costs: Park City's premium environment increased all categories
• Family patterns: Utah family culture includes significant family financial support

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Healthcare Spending: The Wild Card in Utah Retirement

The Healthcare Spending Curve

Ages 65-70: Typically $8,000-$15,000 annually per couple Ages 70-75: Typically $12,000-$22,000 annually per couple Ages 75-80: Typically $18,000-$35,000 annually per couple
Ages 80-85: Typically $25,000-$50,000 annually per couple Ages 85+: Typically $35,000-$75,000+ annually per couple

Utah healthcare advantages:

• Intermountain Healthcare: Integrated system with competitive pricing
• University of Utah Health: Research hospital with specialized care
• Medicare Advantage: Strong plan options in Utah markets
• Prescription coverage: Generally competitive drug pricing

Long-Term Care: The Utah Factor

Utah long-term care costs (2025):

• Nursing home: $110,000-$140,000 annually
• Assisted living: $48,000-$78,000 annually
• Home health aide: $75,000-$95,000 annually (full-time)
• Adult day care: $24,000-$32,000 annually

Utah care culture advantages:

• Family caregiving: Strong tradition reduces professional care costs
• Community support: Religious and civic organizations provide assistance
• Lower housing costs: Makes aging in place more affordable
• Healthcare quality: Excellent care options when needed

Planning implications:

• Plan for family care: Budget support for family caregivers
• Home modifications: Invest in aging-friendly improvements
• Insurance evaluation: Utah costs make self-insurance more viable
• Geographic stability: Stay near family and healthcare networks

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The Psychology of Retirement Spending

Why Retirees Spend More Than Expected

Psychological factors:

1. Permission to spend: After decades of saving, retirees finally feel permission to spend
2. Time abundance: More time leads to more activities and spending opportunities
3. Mortality awareness: "We can't take it with us" thinking increases spending
4. Freedom euphoria: Liberation from work schedules increases spontaneous spending

Utah cultural factors:

1. Service orientation: Utah culture includes supporting family and community
2. Recreation culture: Utah's outdoor opportunities encourage active spending
3. Family values: Multi-generational support increases family-related expenses
4. Adventure mindset: Utah's proximity to recreation encourages exploration

The Retirement Spending Smile

Years 1-5: High spending (go-go phase enthusiasm) Years 6-15: Moderate spending (reality sets in, habits form) Years 16-25: Lower spending (reduced mobility, established patterns) Years 26+: Variable spending (healthcare dominates, highly individual)

Utah modifications to the spending smile:

• Higher go-go spending: Utah recreation opportunities extend active phase
• Extended moderate phase: Utah's healthy lifestyle culture maintains activity longer
• Delayed healthcare surge: Better health outcomes push expensive care later
• Family care factor: Utah family culture can modify late-stage spending patterns

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Housing: Utah's Retirement Spending Wild Card

The Utah Housing Advantage

Statewide benefits:

• Lower than coastal: 30-50% less than California, Washington, Oregon
• Property tax advantage: Lower rates than many comparable western states
• Maintenance costs: Competitive contractor and service pricing
• Insurance: Generally lower homeowners insurance than disaster-prone areas

Regional variations within Utah:

• Salt Lake City: Higher costs but urban amenities
• Park City: Premium pricing for resort lifestyle
• St. George: Moderate costs with retiree-friendly amenities
• Provo/Utah Valley: Lower costs with cultural and educational benefits
• Rural Utah: Lowest costs but limited healthcare and services

Housing Spending Patterns in Retirement

First 5 years: Often highest housing spending

• Renovations: Projects postponed during working years
• Downsizing costs: Moving expenses, new furniture, landscaping
• Maintenance catch-up: Addressing deferred maintenance issues
• Accessibility improvements: Aging-in-place modifications

Years 6-15: Stabilized housing costs

• Regular maintenance: Predictable annual costs
• Utility optimization: Energy efficiency improvements
• Property tax increases: Gradual increases with home values
• Insurance adjustments: Coverage updates for retirement assets

Years 16+: Variable housing patterns

• Aging modifications: Accessibility improvements
• Downsizing decisions: Possible moves to assisted living
• Maintenance challenges: Physical ability to maintain property
• Family coordination: Possible family involvement in housing decisions

Utah Housing Strategy Examples

Salt Lake Valley couple - downsizing strategy:

• Pre-retirement: $450,000 family home, $3,200 annual property taxes
• Retirement year 1: Sold for $520,000, bought $350,000 condo
• Annual savings: $1,200 property taxes, $400 insurance, $1,800 maintenance
• Net benefit: $42,000 cash plus $3,400 annual expense reduction

St. George couple - relocation strategy:

• Pre-retirement: $650,000 California home
• Retirement relocation: $525,000 St. George home with pool and guest space
• Annual savings: $4,800 property taxes, $2,200 insurance
• Additional benefits: Year-round recreation, lower overall cost of living

Park City couple - lifestyle enhancement:

• Pre-retirement: $400,000 valley home
• Retirement upgrade: $750,000 Park City condo near skiing
• Increased costs: $2,400 property taxes, $600 HOA fees
• Lifestyle benefits: Walking distance to recreation, mountain lifestyle

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Transportation and Travel: The Utah Retirement Factor

Vehicle Costs in Utah Retirement

Utah-specific vehicle considerations:

• 4WD/AWD necessity: Mountain and winter driving requirements
• Higher maintenance: Mountain driving and road salt increase wear
• Vehicle longevity: Dry climate preserves vehicles longer
• Insurance rates: Generally moderate compared to urban coastal areas

Typical Utah retiree vehicle patterns:

• Early retirement: Often purchase recreational vehicles (RV, boat, ATV)
• Middle retirement: Maintain reliable vehicles for local driving
• Later retirement: Simplify to single vehicle or consider giving up driving

Annual transportation costs:

• Ages 62-70: $8,000-$15,000 annually (includes RV, boats, toys)
• Ages 70-80: $6,000-$10,000 annually (focus on reliable transportation)
• Ages 80+: $3,000-$8,000 annually (reduced driving, possible elimination)

Travel Spending Patterns

Utah retiree travel advantages:

• Geographic centrality: Access to multiple regions and climates
• National park proximity: World-class destinations within driving distance
• Airport access: Salt Lake City provides reasonable flight options
• Recreation variety: Year-round activities reduce need for seasonal relocation

Travel spending by retirement phase:

• Go-go years: $8,000-$25,000+ annually depending on style and destinations
• Slow-go years: $3,000-$12,000 annually focusing on closer destinations
• No-go years: $1,000-$5,000 annually for local activities and family visits

Common Utah retiree travel patterns:

1. National park circuit: RV travel to Utah's "Big Five" and beyond
2. Winter escape: Arizona, Hawaii, or cruise ship warm weather
3. Family visits: Travel to see scattered children and grandchildren
4. Adventure travel: International destinations during healthy years
5. Cultural travel: Educational and historical destinations

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Family and Generational Spending

The Utah Family Financial Culture

Unique aspects of Utah family spending:

• Multi-generational support: Parents often support adult children longer
• Grandchildren investment: Higher than average spending on grandchildren
• Family activities: Reunions, celebrations, and gatherings increase costs
• Mission support: Religious mission support for family members
• Education support: College and trade school assistance for family

Quantifying Family Spending

Typical Utah retiree family spending:

• Grandchildren gifts and activities: $2,000-$8,000 annually
• Adult children support: $5,000-$20,000 annually (variable by circumstances)
• Family gatherings and events: $1,500-$5,000 annually
• Emergency family support: $2,000-$15,000 annually (highly variable)
• Education support: $3,000-$12,000 annually (when applicable)

Planning for family spending:

1. Budget for generosity: Include family support in retirement planning
2. Set boundaries: Establish sustainable giving limits
3. Coordinate with spouse: Ensure both partners agree on family support levels
4. Consider tax implications: Understand gift tax rules and implications
5. Balance current and future: Don't compromise your own security for family support

Case Examples: Utah Family Spending

The Robinsons - Provo grandparents:

• Retirement income: $8,500 monthly
• Family spending: $2,800 monthly average
• Breakdown: $1,200 grandchildren activities, $800 adult child support, $500 family events, $300 emergency fund
• Impact: 33% of income goes to family support
• Sustainability: Adjusted spending based on financial capacity

The Millers - Ogden empty nesters:

• Retirement income: $6,200 monthly
• Family spending: $1,400 monthly average
• Breakdown: $600 grandchildren, $500 adult child emergency support, $300 family activities
• Impact: 23% of income for family
• Strategy: Set annual family budget with monthly allocation

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Spending Control Strategies for Utah Retirees

The 50/30/20 Retirement Budget

50% Essential expenses:

• Housing, healthcare, food, transportation, utilities
• Non-negotiable expenses for basic living
• Focus on optimization and efficiency
• Utah advantage: Lower housing and tax costs free up money for other categories

30% Lifestyle expenses:

• Recreation, travel, dining, entertainment, hobbies
• Flexible spending that enhances retirement enjoyment
• Utah advantage: World-class recreation at reasonable costs
• Adjust based on income and priorities

20% Legacy and security:

• Family support, charitable giving, emergency fund replenishment
• Long-term care reserves, estate planning
• Utah advantage: Strong family networks reduce some security needs
• Balance current enjoyment with future security

Utah-Specific Spending Optimization

Housing optimization:

• Property tax appeals: Ensure fair assessments
• Energy efficiency: Utah's climate extremes reward efficient homes
• Maintenance timing: Coordinate projects with seasonal needs
• Downsizing analysis: Compare costs and benefits of smaller homes

Healthcare optimization:

• Provider network maximization: Use Intermountain or University of Utah networks
• Preventive care focus: Utah's wellness culture supports prevention
• Medicare supplement shopping: Compare options annually during open enrollment
• HSA maximization: Use Health Savings Accounts for tax-advantaged medical spending

Recreation optimization:

• Senior discounts: Utah ski areas, national parks, and attractions offer senior pricing
• Season passes: Annual passes often cheaper than individual visits
• Group activities: Senior centers and community groups offer low-cost activities
• Volunteer combinations: Many volunteer opportunities include recreation benefits

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Technology and Retirement Spending Tracking

Digital Tools for Spending Management

Budgeting software for retirees:

• Mint: Free comprehensive tracking with category customization
• YNAB (You Need A Budget): Proactive budgeting with retirement focus
• Personal Capital: Investment and spending tracking combined
• Quicken: Comprehensive financial management software

Utah-specific considerations:

• Local bank integration: Ensure compatibility with Utah credit unions and banks
• Tax preparation integration: Coordinate with Utah tax planning
• Investment account syncing: Track withdrawal strategies and tax implications
• Healthcare expense tracking: Separate medical expenses for tax and planning purposes

Spending Pattern Analysis

Monthly spending review process:

1. Category analysis: Compare actual vs. budgeted spending by category
2. Seasonal adjustments: Account for Utah's seasonal spending variations
3. Trend identification: Identify increasing or decreasing spending categories
4. Tax optimization: Coordinate spending with tax-efficient withdrawal strategies
5. Future planning: Adjust future budgets based on actual spending patterns

Annual spending assessment:

1. Total spending review: Compare to retirement income and withdrawal targets
2. Category deep dive: Analyze which categories exceeded or stayed under budget
3. Health cost tracking: Monitor healthcare spending trends for future planning
4. Family spending evaluation: Assess sustainable levels of family support
5. Goal adjustment: Modify spending goals based on actual retirement lifestyle

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Frequently Asked Questions: Utah Retirement Spending

Q: Why do Utah retirees tend to spend more on recreation than the national average?

A: Utah's unique combination of world-class recreation opportunities and healthy lifestyle culture creates higher recreation spending:

Utah recreation factors:

• Five national parks: Zion, Arches, Capitol Reef, Bryce Canyon, Canyonlands
• World-class skiing: 15+ ski resorts within 2 hours of Salt Lake City
• Year-round outdoor activities: Hiking, biking, fishing, hunting, camping
• Cultural expectations: Utah's outdoor lifestyle culture encourages active recreation

Typical Utah recreation spending:

• National average: $2,400-$3,600 annually per household
• Utah retiree average: $4,200-$6,500 annually per household
• Active Utah retirees: $8,000-$15,000+ annually for outdoor recreation

Q: How much should I budget for helping adult children and grandchildren?

A: Utah's family culture creates higher family support spending than national averages:

Guidelines for sustainable family support:

• 10% rule: Don't exceed 10% of retirement income for regular family support
• Emergency fund: Maintain separate emergency fund for family crises
• Clear boundaries: Establish and communicate limits on family financial support
• Tax considerations: Understand gift tax implications of large family transfers

Typical Utah family spending patterns:

• Grandchildren: $1,500-$5,000 annually for gifts, activities, and experiences
• Adult children: $2,000-$10,000 annually for emergency support and assistance
• Family events: $1,000-$3,000 annually for reunions, celebrations, and gatherings

Q: Should I plan for higher healthcare costs than national averages?

A: Utah generally offers healthcare cost advantages, but you should still plan conservatively:

Utah healthcare cost factors:

• Lower than coastal areas: Utah healthcare costs typically 10-20% below California, East Coast
• Competitive insurance markets: Multiple Medicare Advantage and supplement options
• Excellent care quality: High-quality care at competitive prices
• Preventive culture: Utah's wellness focus can reduce some long-term costs

Healthcare spending planning:

• Ages 65-75: Plan for $12,000-$18,000 annually per couple
• Ages 75-85: Plan for $20,000-$30,000 annually per couple
• Ages 85+: Plan for $30,000-$50,000+ annually per couple
• Long-term care: Budget separately for potential care needs

Q: How does Utah's cost of living advantage affect retirement spending planning?

A: Utah's cost advantages can be significant, but lifestyle inflation often consumes the savings:

Utah cost advantages:

• Housing: 20-40% lower than coastal retirement destinations
• Taxes: No Social Security tax, moderate income tax rates
• Services: Generally competitive pricing for professional services
• Recreation: World-class outdoor activities at reasonable costs

Lifestyle inflation factors:

• Recreation spending: Utah opportunities often increase rather than decrease recreation costs
• Family culture: Utah family support traditions can increase spending
• Home improvements: Many retirees use Utah cost savings to upgrade lifestyle
• Travel: Central location and time availability often increase travel spending

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Action Steps for Realistic Retirement Spending Planning

Immediate Actions (Do This Week)

1. Track your current pre-retirement spending

   • Use bank and credit card statements to categorize actual spending
   • Identify which expenses will increase, decrease, or stay the same in retirement
   • Don't assume you'll automatically spend less without evidence

2. Research Utah-specific costs

   • Compare housing costs in your target Utah retirement location
   • Research healthcare costs and provider networks
   • Investigate recreation and lifestyle costs for your interests

3. Model different spending scenarios

   • Plan for spending 90-120% of pre-retirement income in early retirement
   • Model how spending might change over phases of retirement
   • Include Utah-specific spending increases and decreases

Short-term Actions (Do This Month)

1. Interview current Utah retirees

   • Talk to people living your target retirement lifestyle
   • Ask about spending surprises and unexpected costs
   • Learn about actual spending patterns vs. original projections

2. Create detailed retirement budgets

   • Develop budgets for different phases of retirement
   • Include Utah-specific categories like recreation and family support
   • Plan for inflation and healthcare cost increases

3. Stress-test your retirement income

   • Ensure your retirement income can support realistic spending levels
   • Include taxation on retirement income sources
   • Plan withdrawal strategies that support actual spending needs

Long-term Planning (Do This Quarter)

1. Develop spending flexibility strategies

   • Identify which spending categories can be reduced if needed
   • Plan for spending variability across different retirement phases
   • Create contingency plans for higher or lower than expected costs

2. Coordinate spending with income planning

   • Ensure withdrawal strategies support your actual spending patterns
   • Time retirement account distributions to fund planned spending
   • Consider Roth conversions to support higher early retirement spending

3. Plan for family and generational spending

   • Discuss family financial support expectations with spouse
   • Set sustainable limits on family financial assistance
   • Plan for family spending without compromising your own security

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Conclusion: Embracing Realistic Retirement Spending

The 80% retirement spending rule is a relic of a bygone era when retirement meant sitting on the porch for 15 years. Today's Utah retirees often live 30+ years in retirement, want to experience the adventures they postponed during their working years, and have access to world-class recreation opportunities right outside their doors.

Key principles for Utah retirement spending success:

1. Plan for reality, not rules of thumb - Your spending will be unique to your lifestyle and Utah's opportunities
2. Expect higher early retirement spending - Most retirees spend more, not less, in their first decade of retirement
3. Account for Utah's family culture - Family support and generational spending are higher in Utah than national averages
4. Leverage Utah's cost advantages - Lower housing and tax costs can support higher recreation and lifestyle spending
5. Plan for spending phases - Your spending will change significantly over a 30-year retirement

The Utah advantage for retirement spending is real: We have access to world-class recreation at reasonable costs, lower housing expenses than coastal areas, no state tax on Social Security, and a family culture that provides support and meaning. But these advantages only benefit retirees who plan for the reality of how they'll actually spend money in retirement.

Remember: The goal of retirement planning isn't to spend as little as possible - it's to spend appropriately on the things that make retirement meaningful while ensuring your money lasts as long as you do. With Utah's advantages and realistic planning, most retirees can afford to live their retirement dreams.

The families who successfully navigate retirement spending don't just preserve their wealth - they use it purposefully to create the retirement experiences they worked decades to afford. Make sure yours is one of them.

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Take Action: Your Utah Retirement Spending Analysis

Comprehensive Retirement Spending Review

Realistic Retirement Spending Analysis: In-depth review of your retirement spending expectations with Utah-specific adjustments and optimization.

What's included in your spending analysis:

• Current spending pattern analysis and retirement projections
• Utah-specific cost adjustment calculations
• Recreation and lifestyle spending optimization for Utah opportunities
• Healthcare cost planning with Utah provider considerations
• Family and generational spending guidance
• Multi-phase retirement spending modeling
• Income coordination to support realistic spending patterns
• Completely complimentary with no obligation

Contact Capital Wealth Advisors:

• Phone: 801-210-5500
• Text: "VISIT" to 801-210-5500
• Website: capitalwealth.com

Remember: Retirement spending planning is about funding your dreams, not limiting them. Let's make sure you can afford the retirement you've earned.

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This content is based on the July 26, 2025 episode of Retire Right Radio. For personalized advice regarding your specific retirement spending situation, contact Capital Wealth Advisors for a complimentary consultation.

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• Utah Retirement Spending
• Retirement Budget Planning
• Utah Cost of Living
• Retirement Lifestyle Planning
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• Mike Stevens
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• Retirement Phases
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