# Financial advisors for retirees in Utah > For retirees in Utah, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Celina Ochoa of Haynie Wealth Management, Matthew Argyle of Encore Retirement Planning and Kevin Michels of Medicus Wealth Planning, Inc.. Page: https://find.wellspent.co/audiences/retirees/utah/ 39 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a retiree in Utah? For retirees in Utah, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Celina Ochoa of Haynie Wealth Management, Matthew Argyle of Encore Retirement Planning and Kevin Michels of Medicus Wealth Planning, Inc.. - [Celina Ochoa](https://find.wellspent.co/advisors/celina-ochoa/), Haynie Wealth Management, Salt Lake City. Holds the CFP. Fees on file: percentage of assets. - [Matthew Argyle](https://find.wellspent.co/advisors/matthew-argyle/), Encore Retirement Planning, South Jordan. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Kevin Michels](https://find.wellspent.co/advisors/kevin-michels/), Medicus Wealth Planning, Inc., Draper. Holds the CFP. Fees on file: percentage of assets, hourly. - [Neal Hansen](https://find.wellspent.co/advisors/neal-hansen/), Net Worth Advisory Group, LLC, Sandy. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [James Sweeney](https://find.wellspent.co/advisors/james-sweeney/), SwitchPoint Financial Planning LLC, Lehi. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Garrett Smith](https://find.wellspent.co/advisors/garrett-smith/), Ascend Investment Partners, Ogden. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Utah work with retirees? The Wellspent public graph lists 39 fee-only advisors for retirees in Utah, at 22 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in Utah located? Of the 39 fee-only advisors for retirees in Utah, 10 are in Salt Lake City, followed by 7 in Provo and 6 in Lehi. ## How do fee-only advisors for retirees in Utah charge? The most common fee among fee-only advisors for retirees in Utah is a percentage of assets, used by 92% of the 39 with fees on file. Many use more than one: 49% charge fixed fees and 44% charge by the hour. ## What credentials should a financial advisor for retirees have? For retirees, look for the CFP. In Utah, 56% of the 39 advisors listed hold the CFP. - CFP (56% of advisors listed): The CFP covers tax, insurance, and estate decisions together. ## How do Utah advisors for retirees compare with the rest of the US? 56% of fee-only advisors for retirees in Utah hold the CFP, compared with 49% of the 3,334 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Utah tax Social Security? Yes, for some residents. Utah taxes Social Security with exemptions that depend on income, so it belongs in a withdrawal plan. ## What should I ask a financial advisor as a retiree in Utah? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does Utah tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees in Utah? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [James Sweeney](https://find.wellspent.co/advisors/james-sweeney.md) | SwitchPoint Financial Planning LLC | Lehi, Utah | CFA, CFP, MBA, MS, Retirement Management Advisor | Flat fee or retainer, Ongoing planning fee | | [Kevin Michels](https://find.wellspent.co/advisors/kevin-michels.md) | Medicus Wealth Planning, Inc. | Draper, Utah | CFP | Percentage of assets, Hourly, One-time planning fee | | [Marcus Blanchard](https://find.wellspent.co/advisors/marcus-blanchard.md) | Focal Point Financial Planning, LLC | Pleasant Grove, Utah | CFP, ChFC | Percentage of assets, Hourly, One-time planning fee | | [Mark Whitaker](https://find.wellspent.co/advisors/mark-whitaker.md) | Retirement Advice LLC | Provo, Utah | CFP, MSFP | Percentage of assets, One-time planning fee | | [Ben Gajardo](https://find.wellspent.co/advisors/ben-gajardo.md) | Gajardo Wealth Management | American Fork, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Hyrum Smith](https://find.wellspent.co/advisors/hyrum-smith.md) | Livet Wealth, LLC | Salt Lake City,, Utah | CFP, CPA, PhD | Percentage of assets, Hourly, Fixed fees | | [Matthew Seppanen](https://find.wellspent.co/advisors/matthew-seppanen.md) | Newpark Wealth Management | Park City, Utah | CFP | Percentage of assets, Fixed fees | | [Neal Hansen](https://find.wellspent.co/advisors/neal-hansen.md) | Net Worth Advisory Group, LLC | Sandy, Utah | CFP, BS, MBA | Percentage of assets, One-time planning fee | | [Matthew Argyle](https://find.wellspent.co/advisors/matthew-argyle.md) | Encore Retirement Planning | South Jordan, Utah | CFP, CFA | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Garrett Smith](https://find.wellspent.co/advisors/garrett-smith.md) | Ascend Investment Partners | Ogden, Utah | CFP | Percentage of assets, Hourly | | [Alex Graham](https://find.wellspent.co/advisors/alex-graham.md) | Tanara Wealth Management | Lehi, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Brock Alvord](https://find.wellspent.co/advisors/brock-alvord.md) | Tanara Wealth Management | Lehi, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Roger Lowe](https://find.wellspent.co/advisors/roger-lowe.md) | Tanara Wealth Management | Lehi, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Tyler Thompson](https://find.wellspent.co/advisors/tyler-thompson.md) | Tanara Wealth Management | Lehi, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Trent Colledge](https://find.wellspent.co/advisors/trent-colledge.md) | Sunset Retire | Provo, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Tyler Hunt](https://find.wellspent.co/advisors/tyler-hunt-6192405.md) | Sunset Retire | Provo, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Celina Ochoa](https://find.wellspent.co/advisors/celina-ochoa.md) | Haynie Wealth Management | Salt Lake City, Utah | CFP | Percentage of assets | | [Clinton Cannon](https://find.wellspent.co/advisors/clinton-cannon.md) | Cannon Capital Management | Salt Lake City, Utah | CFA | Percentage of assets | | [Mitchell Doman](https://find.wellspent.co/advisors/mitchell-doman.md) | Haynie Wealth Management | Salt Lake City, Utah | CFP | Percentage of assets | | [Peter Messina](https://find.wellspent.co/advisors/peter-messina.md) | ABG Consultants | Cottonwood Heights, Utah | CFP | Percentage of assets, Hourly, Fixed fees | | [Chace Cannon](https://find.wellspent.co/advisors/chace-cannon.md) | Cannon Capital Management | Salt Lake City, Utah | | Percentage of assets | | [Colby Berg](https://find.wellspent.co/advisors/colby-berg.md) | Guardian Wealth Management | Salt Lake City, Utah | CFP | Percentage of assets, Fixed fees | | [Dalin Jewett](https://find.wellspent.co/advisors/dalin-jewett.md) | Tanara Wealth Management | Lehi, Utah | | Percentage of assets, Hourly, Fixed fees | | [Eric Stats](https://find.wellspent.co/advisors/eric-stats.md) | Brighton Wealth Management | Cottonwood Heights, Utah | CFA | Percentage of assets, Hourly, Fixed fees | | [James Ferrin](https://find.wellspent.co/advisors/james-ferrin.md) | Asset One | Draper, Utah | CFP | Percentage of assets | | [James Franklin](https://find.wellspent.co/advisors/james-franklin-7327654.md) | Asset One | Draper, Utah | CFP | Percentage of assets | | [Justin Vargas](https://find.wellspent.co/advisors/justin-vargas.md) | Cannon Capital Management | Salt Lake City, Utah | | Percentage of assets | | [Triton Lee](https://find.wellspent.co/advisors/triton-lee.md) | Cannon Capital Management | Salt Lake City, Utah | | Percentage of assets | | [Robert Nelson](https://find.wellspent.co/advisors/robert-nelson.md) | Sunset Retire | Provo, Utah | | Percentage of assets, Hourly, Fixed fees | | [Earl Berg](https://find.wellspent.co/advisors/earl-berg.md) | Guardian Wealth Management | Salt Lake City, Utah | ChFC | Percentage of assets, Fixed fees | | [Frank Sterneck](https://find.wellspent.co/advisors/frank-sterneck.md) | Sterneck Capital Management | Park City, Utah | | Percentage of assets, Fixed fees | | [Kent Christensen](https://find.wellspent.co/advisors/kent-christensen.md) | Haynie Wealth Management | Salt Lake City, Utah | | Percentage of assets | | [Nathan White](https://find.wellspent.co/advisors/nathan-white.md) | Paragon Wealth Management | Provo, Utah | CFA | Percentage of assets | | [Michael Loveless](https://find.wellspent.co/advisors/michael-loveless.md) | ABG Consultants | Cottonwood Heights, Utah | | Percentage of assets, Hourly, Fixed fees | | [Nolan Karras](https://find.wellspent.co/advisors/nolan-karras.md) | The Karras Company | Roy, Utah | | Percentage of assets, Hourly, Fixed fees | | [Brian Barton](https://find.wellspent.co/advisors/brian-barton.md) | Guardian Wealth Management | Salt Lake City, Utah | | Percentage of assets, Fixed fees | | [David Young](https://find.wellspent.co/advisors/david-young.md) | Paragon Wealth Management | Provo, Utah | | Percentage of assets | | [Kaneil Menlove](https://find.wellspent.co/advisors/kaneil-menlove.md) | Paragon Wealth Management | Provo, Utah | | Percentage of assets | | [Luke Dance](https://find.wellspent.co/advisors/luke-dance.md) | Dance Investment Partners | St. George, Utah | | One-time planning fee | ## Related - [Tax planning in Utah](https://find.wellspent.co/specialties/tax-planning/utah.md) - [Estate planning in Utah](https://find.wellspent.co/specialties/estate-planning/utah.md) - [Retirement planning in Utah](https://find.wellspent.co/specialties/retirement-planning/utah.md) - [Family wealth transfer in Utah](https://find.wellspent.co/specialties/family-wealth-transfer/utah.md) - [Founders in Utah](https://find.wellspent.co/specialties/founders-pre-exit/utah.md) - [Pre-retirees in Utah](https://find.wellspent.co/audiences/pre-retirees/utah.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).