Cottonwood Heights, UT Office

The firm primarily serves individual and high‑net‑worth clients and focuses on comprehensive financial planning and related advisory services rather than direct portfolio management. Its services include investment planning, tax and retirement coordination, estate and cash‑flow analysis, and insurance placement as an ancillary offering.

The firm does not manage client portfolios directly; instead it selects and monitors third‑party money managers on an advisory platform and uses benchmarking to assess managers’ performance. For financial planning engagements it aggregates client accounts in planning software, runs what‑if scenarios (including Monte Carlo and cash‑flow projections), and provides tailored written plans and recordings of planning meetings.

Noteworthy differences from many peers include the firm’s emphasis on client education and recorded meeting content and its use of flat financial‑planning fees rather than a percentage‑of‑assets model, as well as the absence of portfolio management or discretionary trading by the firm itself. The adviser also discloses fee‑sharing arrangements with recommended third‑party advisers and an insurance license held by the principal that may result in commissionable sales, both identified as potential conflicts of interest.