Financial Advisors Serving Salt Lake City

Our Retirement Income Process: The Perennial Income Model™

Most firms start with a portfolio and add “retirement planning” on top. We do the opposite: we start with an income plan and build the investments around it.

The Perennial Income Model™ is designed to match your investments to your future income needs, so you’re not forced to sell volatile assets at the wrong time early in retirement, while still keeping long-term money positioned to help fight inflation.

How it works:

• We segment retirement assets into six investment portfolios, each dedicated to a five-year slice of retirement (covering up to 30 years).
• Near-term segments prioritize stability; later segments can be invested more for long-term growth potential since they aren’t needed for many years.
• When a segment reaches its goal, we use a goal-driven “harvesting” approach, shifting that segment more conservatively to help reduce risk around money earmarked for a specific time period.

Why Salt Lake City retirees care: this structure helps make retirement decisions (Social Security, taxes, withdrawals, investing) feel coordinated, because the income plan is the organizing system.

How Our Financial Advisors in Salt Lake City Can Help You

Because the Perennial Income Model™ is the foundation, everything else connects back to it.

Social Security & Pensions

We help you weigh timing, tax impact, and income coordination, so claiming decisions fit your broader income plan. (These choices can affect taxes, withdrawal needs, and how money should be invested.)

Investment Management

We don’t chase performance or try to predict market cycles. Instead, our investment advisory service emphasizes segmenting your assets according to when you’ll need them, balancing stability for near-term income with growth potential for the future. This method seeks to mitigate unnecessary risk while keeping your portfolio aligned with your evolving retirement needs.

Tax Planning (Forward-looking)

Many tax professionals focus on just one year’s return. We look at the bigger picture. By anticipating how your withdrawals, Social Security benefits, and required minimum distributions will shift over time, we can suggest forward-thinking strategies, like Roth conversions, bracket management, or charitable giving, that may save you significant taxes throughout retirement.

Medicare & Health Insurance

Healthcare expenses can be one of your most considerable retirement costs. We help you navigate Medicare enrollment, supplemental plans, and any coverage gaps, ensuring your health care strategy aligns with your broader goals. We will also discuss options such as long-term care insurance to protect your assets.

Legacy & Estate Planning

Leaving a meaningful legacy is often about more than just distributing assets; it’s about caring for the people and causes that matter most to you. We coordinate with your attorney (or recommend one) to ensure wills, trusts, and beneficiary designations reflect your wishes.

Retirement Planning & Wealth Management

Everything we do is rooted in helping you retire with confidence. We work diligently to create a comprehensive retirement plan that accounts for your Social Security decisions, potential tax efficiencies, and how your portfolio will generate reliable income. Our process is designed to reduce financial anxiety and offer clarity about what a fulfilling retirement can look like.

What Sets Our Salt Lake City Financial Advisory Team Apart?

With many financial professionals in Salt Lake City, it’s fair to ask why some families choose to drive to Orem or meet with us virtually. Here are a few reasons we may be a strong fit.

A Retirement-Only Focus

We specialize in retirement planning- helping you transition from a paycheck to a strategy built for reliable income, taxes, and long-term confidence.

The Perennial Income Model™

Our planning is built around a structured retirement income process. We organize your strategy so near-term cash flow is protected while longer-term dollars stay positioned for growth and inflation – helping your plan feel steadier through different market conditions.

A Team Supported by CFP® Professionals

Your team of CERTIFIED FINANCIAL PLANNERs™ understands your plan and can respond with clarity and follow-through.

Fiduciary, Fee-Only, and Independent

We don’t sell commissioned products or work for a broker-dealer. Our fee structure is straightforward, and as fiduciaries, we provide advice aligned with your best interests.

Convenient for Salt Lake City Clients

We work with clients across Utah and nationally. Many prefer virtual meetings by phone or video; others like the option to meet in person at our Orem office.

Steady Guidance Through Volatile Markets

Markets fluctuate. Our job is to keep your plan disciplined and coordinated, so you’re not making big decisions based on short-term fear or headlines.

Who We Serve

While we work with a range of retirees, our typical client profile includes:

• Near or In Retirement with $1 Million+ in Investable Assets
  You’ve spent decades building your nest egg and want specialized guidance to safeguard and grow it.
• Good Stewards
  You appreciate professional advice and want to ensure your money is managed responsibly for you, your family, and your charitable interests.
• Value a Lasting Plan
  You’re not interested in short-term gambles or trying to outguess the markets. You want a time-tested framework that focuses on sustainable income.
• Charitably Inclined
  Whether it’s your church or another cause close to your heart, you want to continue giving back—without jeopardizing your own financial security.

We invite you to learn more about our approach and see if we’re the right fit for you.

How to Get Started: Our 3-Step Process

Retirement is a significant life transition, and finding the right advisor shouldn’t feel like a high-pressure experience. 

We’ve designed a simple process to help you get to know us:

1. Schedule a free 15-Minute Consultation

In this initial call, we’ll discuss your situation, timeline, and any immediate concerns. It’s also your chance to ask questions and see if our philosophy resonates with you.

2. Retirement Income Plan Consultation

We’ll walk through how the Perennial Income Model™ applies to your goals and the decisions you face.

3. Decide with no pressure

No rush. We encourage you to take the time you need to evaluate our recommendations, ask further questions, and decide if you’re comfortable moving forward. If you choose to become a client, you’ll have dedicated CFP® professionals working to refine your retirement strategy.