What makes a fiduciary financial advisor different?

A fiduciary is legally obligated to act in your best interest — not theirs. We're a fee-based fiduciary: we charge a transparent advisory fee, and any insurance commission is earned only through our affiliate, CWA Insurance Services, LLC, and is separately disclosed. As fiduciaries we disclose conflicts of interest.

Do you only work with Utah residents?

While we're based in Utah and specialize in Utah tax planning, we work with clients nationwide. Our expertise in retirement planning, tax strategies, and fiduciary advice applies regardless of your state of residence.

What's your minimum asset requirement?

We work with families who have at least $500K in investable assets. This allows us to provide comprehensive retirement planning services that justify our fee structure and deliver meaningful value.

What services do you provide to Utah clients?

We provide comprehensive retirement planning including investment management, tax planning, Social Security optimization, Medicare planning, estate planning coordination, and ongoing financial advice. We specialize in helping Utah residents navigate their unique tax situation.

Financial Advisor Utah

Your Utah Financial

Advisor.

A fee-based fiduciary financial advisor in Utah specializing in retirement planning. Comprehensive wealth management for Utah families with $500K+ assets, with transparent advisory fees.

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"Fiduciary means legally obligated to act in your best interest — not ours."

Mike Stevens

Fiduciary Standard

Always in your best interest

Asset Minimum

$500K+ investable assets

Fee Structure

Fee-based, transparent

Utah Focus

Local expertise, tax planning

The Fiduciary Difference

As a fee-based fiduciary, we have a legal obligation to act in your best interest. We're compensated primarily through transparent advisory fees; any insurance commission is earned only through our affiliate, CWA Insurance Services, LLC, and is separately disclosed.

Conflicts disclosed

We're compensated primarily through advisory fees. Any insurance commission is earned only through our affiliate, CWA Insurance Services, LLC, and is separately disclosed, so you always know how we're paid.

Transparent fee structure

Our fees are clear and transparent — typically 1% annually on assets under management. No hidden costs, no surprise charges, no complicated fee schedules.

Utah tax expertise

We understand Utah's unique tax advantages including the 4.85% flat income tax rate and how it affects retirement planning, Roth conversions, and tax strategies.

Comprehensive planning focus

We provide holistic retirement planning including investment management, tax planning, Social Security optimization, Medicare planning, and estate coordination.

Ready to work with a fiduciary?

Experience the peace of mind that comes from working with a financial advisor who's legally obligated to act in your best interest. Schedule a complimentary consultation to learn more.

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A Fiduciary Promise