Retire Right
Here in Utah.You've spent decades building your savings. Now it's time to turn them into reliable retirement income — with a local fiduciary advisor who knows Utah's tax landscape and puts your interests first. Always.
Get Your Free Retirement Assessment
"Most people don't have an income problem in retirement — they have a planning problem."
Mike Stevens, FounderUtah Taxes Retirement Income.
Unlike some neighboring states, Utah taxes Social Security, pensions, and 401(k) withdrawals. That makes tax planning not optional — it's essential. The difference between a smart withdrawal strategy and a default one can be tens of thousands of dollars over your retirement.
Social Security Is Taxable (With a Credit)
Utah includes Social Security in taxable income but offers a retirement tax credit. The credit phases out at higher incomes — we model your exact exposure and plan around it.
Flat 4.55% Income Tax Rate
Utah's flat tax applies to all income including retirement withdrawals. Strategic Roth conversions and withdrawal sequencing can significantly reduce your lifetime tax bill.
Property Tax Relief for Seniors
Utah offers property tax abatement and deferral programs for qualifying seniors. We make sure you're taking advantage of every benefit available.
No Estate or Inheritance Tax
Utah doesn't impose state estate or inheritance taxes, making it favorable for wealth transfer and legacy planning.
Comprehensive Retirement Planning
Retirement Income Planning
Turn your savings into a paycheck. We build a month-by-month income plan from Social Security, pensions, IRAs, and investments.
Utah Tax Optimization
Strategic withdrawal sequencing, Roth conversions, and income timing to minimize your Utah tax burden year over year.
Federal Employee Benefits
Hill AFB, IRS, VA — Utah's federal workforce has unique retirement benefits. We specialize in FERS, TSP, and FEHB planning.
Social Security Strategy
When you file changes everything — especially in Utah where benefits are taxable. We find the claiming strategy that maximizes your after-tax income.
401(k) & IRA Rollovers
Leaving a job or consolidating accounts? We guide the process to avoid tax surprises and set up a smarter investment strategy.
Estate & Legacy Planning
Protect your family's future. We coordinate with estate attorneys to ensure your wealth transfers efficiently and your wishes are honored.
Three Steps to Clarity
Meet us in person at our Lehi office or start with a virtual consultation. Your call.
Free Consultation
30 minutes with Mike Stevens. In person or virtual. No cost, no obligation, no sales pitch.
Full Analysis
We model your complete financial picture — income sources, tax exposure, risk, and gaps.
Your Money Map
A personalized Retirement Money Map with clear actions and a timeline you can follow.
Frequently Asked Questions
Is Utah a good state to retire in? +
Utah has a lot going for it — strong economy, incredible outdoor recreation, and a growing retiree population. However, Utah does tax retirement income including Social Security (with a credit for lower incomes), which makes tax planning critical. With the right strategy, Utah retirees can significantly reduce their tax burden.
Does Utah tax Social Security benefits? +
Utah includes Social Security in taxable income but offers a retirement tax credit that can offset or eliminate the tax for many retirees. The credit phases out at higher income levels. We model your specific situation to determine your actual Social Security tax exposure and strategies to minimize it.
How much do I need to retire in Utah? +
It depends on your lifestyle, location within Utah, and income sources. The Wasatch Front (Salt Lake, Utah County, Davis County) has seen significant cost-of-living increases, while rural Utah remains affordable. We build a personalized Retirement Money Map that accounts for your specific situation and shows exactly how your savings translate to monthly income.
What's the best way to handle my 401(k) when I retire? +
A rollover to an IRA often gives you more investment options, lower fees, and better withdrawal flexibility. But the timing and tax implications depend on your full picture — especially in Utah where retirement income is taxed. We analyze the best approach for your situation.
Do you work with federal employees in Utah? +
Yes. Utah has a significant federal workforce — Hill Air Force Base, IRS, VA, and other agencies. We specialize in FERS retirement planning, TSP optimization, FEHB decisions, and the unique challenges federal employees face when transitioning to retirement.
Can I meet with you in person? +
Absolutely. Our office is in Lehi at 1850 W Ashton Blvd, Suite 175. We meet with Utah clients in person or virtually — whichever you prefer. Many clients start with a virtual intro call and then come to the office for deeper planning sessions.
Your retirement is too important for guesswork.
Come sit down with a fiduciary who's legally obligated to put your interests first. In person at our Lehi office or from your living room — we make it easy.
Schedule Your Free Assessment1850 W Ashton Blvd, Ste 175 · Lehi, UT 84043
