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
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What’s Working Wednesday: Seeing the Financial Forest Through the Trees
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
Life Insurance After Leaving a Job: Portability vs. Conversion
Life Insurance After Leaving a Job: Portability vs. Conversion Life insurance is often part of an employer benefits package. When employment ends, that coverage may change. Some group life insurance ends. Some coverage may continue for a limited time. Some plans may offer portability or conversion options. The details depend on the employer plan, the… Read More
Completing the LUTCF® Designation: A Step Forward in Serving Clients
The LUTCF® coursework covered a broad range of topics, including protection planning, retirement planning, investments, tax considerations, estate planning, and special needs planning. These are the kinds of areas that often overlap in real financial planning conversations, and I wanted a designation that reflected that bigger picture.
How to Find Old 401(k) Accounts
Changing jobs is common. Losing track of an old retirement account is common too. Maybe you had a 401(k), 403(b), pension, profit-sharing plan, ESOP, or other retirement plan at a previous employer. Then the company changed names, merged, switched plan providers, or stopped sending statements to your old address. The good news: there are practical… Read More
2026 URS Retiremenet Roadmap – Utah Retirement Systems
Your Estate Plan May Have a Hidden Gap: Why Beneficiary Reviews Matter
A will or trust may not be enough if your beneficiary forms, account titles, and financial accounts do not match your estate plan. Learn what Utah families should review.
Key Takeaways From The 2026 NAIFA Utah Symposium
Retirement planning is about more than investments alone. At the 2026 NAIFA Utah Symposium, financial professionals discussed retirement income, longevity risk, long-term care planning, healthcare costs, and the emotional realities families can face later in life. One of the biggest themes throughout the event was the importance of preparing not just for retirement, but for real life.
Life Insurance Rates by Age, BMI & Policy Type
Life insurance cost is typically based on several factors, including age, health, lifestyle, coverage amount, policy type, and optional features. In many cases, younger and healthier applicants may qualify for lower premiums. However, choosing coverage is not only about today’s price—it is also about whether the policy continues to align with your long-term nee
Social Security Headlines Are Loud. Planning Should Be Clear.
Worried about Social Security trust fund depletion? Learn what it really means, what changed in 2026, and how Utah families can plan with confidence.