Helper, UT Office

Holm & Cawley Financial Group provides comprehensive financial planning and investment management to individuals (the firm’s typical client is someone at or near retirement) and offers non‑discretionary retirement-plan advisory services to plan sponsors. Services described in the brochure include client profiling, retirement plan development, account transfers and setup, investment recommendations, portfolio management, and plan design and participant education for employer plans.

The firm generally manages accounts on a discretionary basis and allocates across equities, fixed income, mutual funds and ETFs, tailoring strategies to five objective categories ranging from capital preservation to aggressive growth and conducting reviews at least semi‑annually. It sometimes engages an unaffiliated sub‑advisor (Equity Armor Investments) to assist with portfolio construction and recommends custodians that provide lower transaction costs for trade execution and custody.

Notable departures from many peers include a licensed attorney on the team who maintains law licenses and may provide separate legal services (including estate planning) for customary fees, and a team member who is a licensed life insurance agent who may recommend commissionable insurance products; both relationships are disclosed as potential conflicts. The firm also discloses a prior regulatory action involving licensing, custody and ADV‑filing deficiencies that resulted in a monetary penalty, and it shares fixed‑fee financial planning arrangements with a third‑party provider and occasionally implements sub‑advisor‑managed funds that may economically benefit the sub‑advisor.