Financial advisors for retirees in Utah
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..
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Celina Ochoa Haynie Wealth Management, Salt Lake City Holds the CFP. Fees on file: percentage of assets.
- Matthew Argyle Encore Retirement Planning, South Jordan Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- Kevin Michels Medicus Wealth Planning, Inc., Draper Holds the CFP. Fees on file: percentage of assets, hourly.
- Neal Hansen Net Worth Advisory Group, LLC, Sandy Holds the CFP. Fees on file: percentage of assets, one-time planning fee.
- James Sweeney SwitchPoint Financial Planning LLC, Lehi Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- 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.
Plus 10 in other cities.
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.
- CFP56% in Utah
- 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.
Dark bars are Utah. Light bars are all US advisors for retirees.
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.
All 39 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| James Sweeney | SwitchPoint Financial Planning LLC | Lehi | CFA, CFP, MBA, MS | Flat fee or retainer, Ongoing planning fee |
| Kevin Michels | Medicus Wealth Planning, Inc. | Draper | CFP | Percentage of assets, Hourly |
| Marcus Blanchard | Focal Point Financial Planning, LLC | Pleasant Grove | CFP, ChFC | Percentage of assets, Hourly |
| Mark Whitaker | Retirement Advice LLC | Provo | CFP, MSFP | Percentage of assets, One-time planning fee |
| Ben Gajardo | Gajardo Wealth Management | American Fork | CFP | Percentage of assets, Hourly |
| Hyrum Smith | Livet Wealth, LLC | Salt Lake City, | CFP, CPA, PhD | Percentage of assets, Hourly |
| Matthew Seppanen | Newpark Wealth Management | Park City | CFP | Percentage of assets, Fixed fees |
| Neal Hansen | Net Worth Advisory Group, LLC | Sandy | CFP, BS, MBA | Percentage of assets, One-time planning fee |
| Matthew Argyle | Encore Retirement Planning | South Jordan | CFP, CFA | Flat fee or retainer, Ongoing planning fee |
| Garrett Smith Low Cost Direct Indexing and Securities Backed Lending and related services. PLAN for your future, KEEP more for your family, GROW for generations. Your Investment partner that manages your money like our own while considering taxes, estate, and business strategies. | Ascend Investment Partners | Ogden | CFP | Percentage of assets, Hourly |
| Alex Graham | Tanara Wealth Management | Lehi | CFP | Percentage of assets, Hourly |
| Brock Alvord | Tanara Wealth Management | Lehi | CFP | Percentage of assets, Hourly |
| Roger Lowe | Tanara Wealth Management | Lehi | CFP | Percentage of assets, Hourly |
| Tyler Thompson | Tanara Wealth Management | Lehi | CFP | Percentage of assets, Hourly |
| Trent Colledge | Sunset Retire | Provo | CFP | Percentage of assets, Hourly |
| Tyler Hunt | Sunset Retire | Provo | CFP | Percentage of assets, Hourly |
| Celina Ochoa | Haynie Wealth Management | Salt Lake City | CFP | Percentage of assets |
| Clinton Cannon | Cannon Capital Management | Salt Lake City | CFA | Percentage of assets |
| Mitchell Doman | Haynie Wealth Management | Salt Lake City | CFP | Percentage of assets |
| Peter Messina | ABG Consultants | Cottonwood Heights | CFP | Percentage of assets, Hourly |
| Chace Cannon | Cannon Capital Management | Salt Lake City | Not listed | Percentage of assets |
| Colby Berg | Guardian Wealth Management | Salt Lake City | CFP | Percentage of assets, Fixed fees |
| Dalin Jewett | Tanara Wealth Management | Lehi | Not listed | Percentage of assets, Hourly |
| Eric Stats | Brighton Wealth Management | Cottonwood Heights | CFA | Percentage of assets, Hourly |
| James Ferrin | Asset One | Draper | CFP | Percentage of assets |
| James Franklin | Asset One | Draper | CFP | Percentage of assets |
| Justin Vargas | Cannon Capital Management | Salt Lake City | Not listed | Percentage of assets |
| Triton Lee | Cannon Capital Management | Salt Lake City | Not listed | Percentage of assets |
| Robert Nelson | Sunset Retire | Provo | Not listed | Percentage of assets, Hourly |
| Earl Berg | Guardian Wealth Management | Salt Lake City | ChFC | Percentage of assets, Fixed fees |
| Frank Sterneck | Sterneck Capital Management | Park City | Not listed | Percentage of assets, Fixed fees |
| Kent Christensen | Haynie Wealth Management | Salt Lake City | Not listed | Percentage of assets |
| Nathan White | Paragon Wealth Management | Provo | CFA | Percentage of assets |
| Michael Loveless | ABG Consultants | Cottonwood Heights | Not listed | Percentage of assets, Hourly |
| Nolan Karras | The Karras Company | Roy | Not listed | Percentage of assets, Hourly |
| Brian Barton | Guardian Wealth Management | Salt Lake City | Not listed | Percentage of assets, Fixed fees |
| David Young | Paragon Wealth Management | Provo | Not listed | Percentage of assets |
| Kaneil Menlove | Paragon Wealth Management | Provo | Not listed | Percentage of assets |
| Luke Dance | Dance Investment Partners | St. George | Not listed | One-time planning fee |
Want a shorter list for retirees?
Tell us what you need and we'll narrow Utah's 39 advisors to the few who fit.
Get matched in 2 minutes