Provo, UT Office

B.O.S.S. Retirement Advisors provides investment advisory services and supplemental financial planning to individuals, high‑net‑worth clients, pension and profit‑sharing plans, trusts, estates, and business entities. The firm manages approximately $1.38 billion on a discretionary basis and delivers ongoing services primarily through co‑managed arrangements with AE Wealth Management and by referring clients to third‑party money managers or platform providers.

The firm’s process begins with a client assessment to document objectives and risk profile, then relies on model portfolios and outside managers to construct diversified allocations while acting as liaison, handling paperwork, and providing periodic oversight. Supplemental planning and consulting are sometimes offered on a complimentary basis, and B.O.S.S. discloses that it receives a negotiated portion of advisory fees from certain third‑party managers for referred assets, which it identifies as a potential conflict of interest.

Noteworthy features include the firm’s extensive delegation to external managers—trading and proxy voting responsibilities are generally governed by those outside managers rather than handled in‑house—which differs from firms that retain full portfolio management and proxy voting internally. Several associated persons also engage in separate insurance, real estate, publishing, and marketing activities and receive separate compensation for those services, arrangements the firm discloses and addresses in its supervisory policies.