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

Choosing life insurance can feel overwhelming, especially when every company seems to use similar language: protection, security, family, legacy, affordable coverage. But the real question is not just, “Which life insurance company is best?” A better question is: Which life insurance policy fits my family, my income, my debts, my goals, and my stage of… 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.

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

A job transition can change more than your paycheck. Whether you are starting a new role, retiring from an employer, leaving a company, or dealing with a layoff, your job may be connected to several parts of your financial life. Employer benefits, retirement accounts, life insurance, disability coverage, health coverage, tax withholding, beneficiaries, and household… Read More