Planning resource library
Use these resources to explore retirement income, investments, life insurance, annuities, tax-aware planning, business-owner decisions, and estate or legacy coordination. When a topic starts to feel personal, that is usually the right time to talk through it directly.
Request a Private ConsultationRetirement income, Social Security, pensions, timing decisions, and the planning questions that come up before and after retirement.
Tax-sensitive retirement account decisions, Roth conversions, required minimum distributions, and IRA or 401k planning topics.
Protection planning, life insurance, estate and beneficiary coordination, education funding, and family security topics.
Saving, investing, compounding, portfolio growth, and decisions for families and professionals building long-term wealth.
Cash flow, debt payoff, savings habits, budgeting frameworks, and the practical foundation that supports larger planning decisions.
More specialized planning questions, including mortgage decisions, retirement edge cases, and advanced planning scenarios.
Planning around job changes, benefits, retirement accounts, insurance decisions, and income transitions.
Big-picture planning concepts for coordinating investments, insurance, retirement, cash flow, and legacy goals.
Collection pages and resource hubs that organize related tools and articles around a larger planning topic.
If you are comparing insurance options, deciding when to retire, evaluating an annuity, reviewing investments, or trying to coordinate a business or estate decision, use the library as a starting point. A personalized plan can help connect the pieces.
You probably have a plan for Monday morning. Employees show up. Customers call. Work gets done. Revenue comes in. Payroll goes out. That’s Plan A. But if you own a business, there’s another question worth asking: What happens to all of that if you don’t show up Monday morning? For many business owners, the company… Read More
A 72(t) distribution allows penalty-free withdrawals from retirement accounts before age 59.5 by establishing Substantially Equal Periodic Payments (SEPP) over your life expectancy. Payments must continue for five years or until age 59.5, whichever is longer. — 72(t) Early Distribution Calculator Modifying or stopping payments before the required term triggers retroactive IRS penalties and interest… Read More
Debt can feel heavy because it is not just a math problem. It affects your monthly cash flow, your stress level, your future choices, and sometimes even your confidence. For many Utah families, debt is not one single issue. It may be a mix of credit cards, auto loans, student loans, personal loans, medical bills,… Read More
How to Choose the Right Life Insurance in Utah Choosing the right life insurance policy in Utah involves determining your primary coverage needs—such as income replacement, debt payoff, or estate liquidity—and comparing policy types, premium stability, and carrier financial strength. Salt Lake Financial Planning provides process-oriented reviews of existing policies and coordinate new coverage options,… Read More
Some events are worth attending because of the information. Others are worth attending because of the people in the room. This week’s What’s Working Wednesday had both. We gathered over lunch for continuing education, conversation, and a presentation from Bart Spencer, a long-time disability income specialist known by many in the industry as “the DI… Read More
Preparing to retire? Review retirement income, employer benefits, Social Security, Medicare, retirement accounts, life insurance, taxes, beneficiaries, and key documents before leaving work.
New Job Benefits Checklist: What to Review Before You Enroll Starting a new job can be exciting. It can also create a short window of important financial decisions. Your new employer benefits may affect your paycheck, retirement plan, taxes, life insurance, disability coverage, health coverage, beneficiaries, and long-term planning. These decisions are often made quickly… Read More
Laid Off? Start With Stability, Not Panic Being laid off can feel personal, even when it is not. One day you have a paycheck, benefits, retirement contributions, life insurance, disability coverage, and a routine. Then suddenly, several pieces of your financial life may be changing at once. If you were recently laid off in Salt… Read More
Leaving a job, changing jobs, retiring, or recently laid off? Learn your old 401(k) options, including leaving it, rolling it to a new plan, rolling it to an IRA, or taking a distribution.
Need help applying this to your situation?
Tell me what decision you are trying to make, and we will start by determining whether a deeper planning conversation is appropriate.