Justin Chidester
Advisor at Wealth Mode
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Advisor at Wealth Mode
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Location
Bountiful, UT 84010
Credentials
CFP®
Industry experience
9 years
Hi, I’m Justin. I am the founder of Wealth Mode Financial Planning.
My team and I have a primary focus in helping those with over $100,000 in federal student loans create a plan to minimize loan payments and save taxes – without sacrificing meaningful goals like buying a home, starting a family, or saving for retirement.
Our clients with high student loan debt: – Usually 30-35 years old – Graduated in the last 5 years – $250,000 in average household student loans – $200,000 to $250,000 in annual household income – Want to buy a home and start a family within the next few years
We'll help you examine all your options – 10-year standard plan, refinancing, the Income-Driven Repayment (IDR) plans like IBR/PAYE/SAVE, and Public Service Loan Forgiveness (PSLF). For married couples both working, you need to look at whether you should file your taxes Married Filing Separately.
From there, we can identify how you can save the most money in paying off your loans while still saving enough money toward other goals. We’ll teach you everything you need to know about setting up the right investment portfolio for you, and which accounts you should be using. Then, we'll set you up with an easy-to-follow budget and cash flow system that will make it all happen.
Last of all, let’s make sure you’re protected with the proper life insurance, disability insurance, and estate planning documents you need.
Many of our student loan clients have a spouse/partner with equity compensation (ISO's, non-qualified stock options, RSU's, ESPP's, etc.), and we've become quite adept at strategic planning for that as well.
We place a heavy emphasis on tax planning and prepare our clients' tax returns as well if they would like.
Our clients include physicians, dentists, chiropractors, lawyers, and veterinarians - really, any high-student loan debt trade or profession. Our clients live across 25+ U.S. states in all four time zones, and some countries internationally.
I love what I do, and how it helps my clients focus on enjoying their lives and careers instead of worrying about debt or money. _ _
Outside of work, I enjoy spending time with my wife and best friend AnnAlyse, our 4-year old daughter, and our newborn son (as of spring 2025). We love traveling, attending concerts and musicals, jigsaw puzzling, and anything else we can do with our kids.
Based on Wealth Mode
0.25% (optional)
Typically $2,000+ Financial Plan
Typically $250/month+
Fees are based on complexity and quoted on a case-by-case basis.
270 S Main St Suite 112, Ofc 5
Bountiful, UT 84010
California · Louisiana · Texas · Utah
Zeiders Enterprises Inc
2022 - 2023 (1 year)
Wealth Mode Financial Planning
2016 - Present (10 years)
Neighborhood Nonprofit Housing Corporation
2013 - 2018 (5 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")