Refined Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Refined Wealth Management provides investment advice, portfolio management, and financial planning to individuals, high‑net‑worth clients, trusts, estates, corporations, and small business owners. The firm also offers ancillary services including 401(k) plan administration (via a Newport Group partnership), insurance and annuity sales, and in‑house tax services offered by an enrolled agent.
The firm manages primarily discretionary accounts through a combination of strategic and tactical asset allocation implemented with model portfolios — seven model families with 1–25 positions composed of ETFs, ETNs, bonds, and individual equities — and uses an Investment Committee plus dedicated portfolio construction and monitoring teams to set and maintain exposures. Portfolios are rebalanced and monitored on Schwab’s Advisor Services platform, and the firm emphasizes asset‑allocation and risk management over simple index‑tracking.
Compared with many similarly sized team firms, RWM operates with a relatively large number of client accounts (the brochure reports 746 discretionary and 164 nondiscretionary accounts) and also manages pooled/plan‑type vehicles such as 401(k) plans and donor‑advised fund accounts, services that are less common among peers. The firm’s combination of model‑based portfolio governance, in‑house tax capabilities, and affiliated insurance agency activity (including annuity and term‑life sales) expands its service mix but also introduces disclosed conflicts of interest the firm addresses in its policies.
Client services
Expertise
Occupation focus
Fee options
Fixed-fee project-based services including portfolio reviews and defined projects (fees not specifically stated)
$1 - $500,000: 1.35% $500,001 - $1,000,000: 1.15% $1,000,001 - $2,000,000: .95% $2,000,001 - $4,000,000: .85% $4,000,001+: .6% or negotiated
Insurance product commissions from sales of term life insurance
Minimum fee: All household accounts under $250,000 charged a $35 annual fee Fee-only: Ongoing financial planning fees $500 to $1,500 per year, negotiable
Main office
515 South 1000 East, Suite L2
Salt Lake City UT 84102
Advisors at this office
5
Most active in
California · Colorado · Idaho · Nevada · Texas · Utah
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Matthew W
CFP®, Series 66
Salt Lake City, UT
Refined Wealth Management
Matthew Williams is a CFP® and holds a Series 66 license, with 13 years of industry experience. He has been with Refined Wealth Management since 2014 and also has a longstanding role at Fit Forever. Approximately 1% of his time is spent on the sale of accident and health, life, and variable insurance contracts. Refined Wealth Management advises individuals, high-net-worth clients, trusts, estates, corporations, and small businesses, offering portfolio management, financial planning, and tax and insurance services. The firm manages portfolios primarily through in-house model strategies and maintains formal governance through an Investment Committee without outsourcing core asset management.
Ryan L
CFP®, Series 66
Salt Lake City, UT
Refined Wealth Management
Ryan Larsen is a CFP® with 25 years of industry experience, currently serving as an advisor at Refined Wealth Management since 2015. He is also the owner of RWI Agency LLC, an insurance agency focused on term life, fixed indexed annuities, and property and casualty insurance, where he oversees business responsibilities and reviews insurance needs for clients. Refined Wealth Management advises individuals, high-net-worth clients, trusts, estates, corporations, and small businesses, offering portfolio management, financial planning, tax, and insurance services. The firm employs in-house model portfolios and maintains formal governance through an Investment Committee, providing a comprehensive and integrated approach to wealth management.
Kyle W
Series 65
Salt Lake City, UT
Refined Wealth Management
Kyle Woodlief is a financial advisor at Refined Wealth Management in Salt Lake City, UT, with five years of industry experience. He holds a Series 65 designation and has worked at Refined Wealth Management since 2021. In addition to his advisory role, he is licensed as a property and casualty insurance agent. Refined Wealth Management provides investment advice, portfolio management, and financial planning to individuals, high-net-worth clients, trusts, estates, corporations, and small business owners. The firm employs a model-based approach to portfolio construction and rebalancing, emphasizes asset allocation and risk management, and offers ancillary services such as 401(k) plan administration, insurance and annuity sales, and in-house tax services.
Celia B
Series 65
Salt Lake City, UT
Refined Wealth Management
Celia Boyle is a financial advisor at Refined Wealth Management in Salt Lake City, UT, holding a Series 65 designation with one year of industry experience. Prior to entering the financial advisory field, she worked for 12 years at Spy Hop Productions. Refined Wealth Management serves individuals, high-net-worth clients, trusts, estates, corporations, and small businesses, offering portfolio management, financial planning, and tax and insurance services. The firm manages investments primarily through in-house model portfolios and maintains a formal Investment Committee to oversee portfolio construction and monitoring.
Luke W
Series 65
Salt Lake City, UT
Refined Wealth Management
Luke Woodland is a financial advisor at Refined Wealth Management in Salt Lake City, UT, holding a Series 65 designation. He has one year of industry experience, including prior work at Harm & Harm Consulting Group. Refined Wealth Management serves individuals, high-net-worth clients, trusts, estates, corporations, and small businesses by providing portfolio management, financial planning, tax, and insurance services. The firm manages portfolios primarily through in-house model strategies and administers pooled vehicles such as donor-advised funds and sponsored 401(k) plans.
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