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Tax

Tax-Loss Harvesting: How It Works and How to Avoid the Wash-Sale Rule

No one likes seeing an investment lose value. But in a taxable account, a loss can have a silver lining. Tax-loss harvesting means selling an…
Read More>
Account Types

Using Utah’s my529 Plan as a Grandparent

Helping pay for a grandchild’s education is one of the most meaningful gifts a grandparent can give. It’s also one of the most tax-efficient. Utah’s…
Read More>
Expense Management

How to Build a Retirement Budget That Lasts

For decades, your budget had a built-in safety net: the next paycheck. Retirement changes that. Your income now comes from Social Security, maybe a pension,…
Read More>
Retirement Planning

Risk Tolerance vs. Risk Capacity in Retirement

Ask most people about their investment risk and you’ll get an answer about how they feel. “I don’t like watching my account drop.” “I can…
Read More>
Investing

Recency Bias in Investing: Why Chasing Recent Winners Often Backfires

There’s a moment many investors recognize. A sector is surging. A fund is outperforming. An investment seems to be winning everywhere you look. The urge…
Read More>
Estate Planning

Do You Need a Trust? 6 Family Situations Where a Will Falls Short

Somewhere along the way, “trust” became a word people associate with wealth they don’t think they have. Trusts are for other people, the thinking goes:…
Read More>
Investing

Too Much Company Stock? How to Diversify a Concentrated Stock Position

“Don’t put all your eggs in one basket” is advice everyone nods along to and almost nobody applies correctly. The people most likely to break…
Read More>
Investing

Should You Move to Cash Before Retirement?

Everyone has met someone who claims they got out right before a downturn and back in right before the recovery. What you rarely hear about…
Read More>
Estate Planning

Buy-Sell Agreement Basics: Who Gets Your Business If You Can’t Run It?

Most business owners have a will. Far fewer have answered the question that matters most for what they’ve built: what happens to the business itself…
Read More>
Monthly Market Updates

August 2026 Market Update: Leadership Shifts as Fundamentals Hold

If August felt like a lot to keep up with, you weren’t imagining it. Trade tensions with Canada turned into new tariffs, the bond market…
Read More>
Estate Planning

Moved to Utah? Why Your Estate Plan Needs a Fresh Look

There’s a comforting myth about estate planning: that it’s a project with an end date. You meet with an attorney, sign the documents and check…
Read More>
Estate Planning

How to Talk to Your Adult Children About Inheritance

There’s a particular kind of silence that shows up around estate planning. Parents don’t want to talk about it because it means talking about their…
Read More>
Estate Planning

What Happens If You Die Without a Will in Utah?

Ask someone why they haven’t written a will, and you’ll rarely hear “I don’t think it matters.” You’ll hear “I haven’t gotten to it yet.”…
Read More>
Monthly Market Updates

July 2026 Market Update: A Market Catching Its Breath

July showed that loud headlines and steady fundamentals can show up in the same month. Tensions between the U.S. and Iran pushed energy prices higher,…
Read More>
Tax

Does Utah Tax Retirement Income? Social Security, Pensions and 401(k)s in 2026

If you’re planning to retire in Utah, or you already have, it’s worth knowing exactly how the state treats your income. The short answer: Utah…
Read More>
Account Types

Using Your HSA for Retirement (and the Medicare Rule to Know)

Health care planning is one of the few areas of life where unpredictability isn’t the exception but the expectation. Costs shift, coverage evolves and important…
Read More>
Monthly Market Updates

June 2026 Market Update: A Strong First Half Meets a Hawkish Fed

June closed out one of the strongest first halves in years. Small caps had their best start to a year since 1991, the Dow logged…
Read More>
Expense Management

Does Your Credit Score Still Matter in Retirement?

There’s a number following you around that most people have never really looked in the eye. It shows up when you buy a car, refinance…
Read More>
Estate Planning

Estate Planning Checklist: 5 Steps Before You Meet an Attorney

Estate planning isn’t only for the ultra-wealthy, and it isn’t something to file away for later. It’s a core part of a complete financial life.…
Read More>
Expense Management

Cash Reserves for Business Owners: Personal vs. Business Emergency Funds

There’s a specific kind of anxiety that comes from not knowing your number. Not your net worth, not your retirement number, just the smaller, more…
Read More>

Account Types

Account Types

Using Utah’s my529 Plan as a Grandparent

Helping pay for a grandchild’s education is one of the most meaningful gifts a grandparent can give. It’s also one of the most tax-efficient. Utah’s…
Read More>
Account Types

Using Your HSA for Retirement (and the Medicare Rule to Know)

Health care planning is one of the few areas of life where unpredictability isn’t the exception but the expectation. Costs shift, coverage evolves and important…
Read More>
Account Types

Roth vs. Traditional IRA for High Earners: What to Do When You Earn Too Much

Retirement planning often sounds like it belongs in a different language. Acronyms everywhere. Rules buried in footnotes. And once your income climbs, the rules get…
Read More>

Expense Management

Expense Management

How to Build a Retirement Budget That Lasts

For decades, your budget had a built-in safety net: the next paycheck. Retirement changes that. Your income now comes from Social Security, maybe a pension,…
Read More>
Expense Management

Does Your Credit Score Still Matter in Retirement?

There’s a number following you around that most people have never really looked in the eye. It shows up when you buy a car, refinance…
Read More>
Expense Management

Cash Reserves for Business Owners: Personal vs. Business Emergency Funds

There’s a specific kind of anxiety that comes from not knowing your number. Not your net worth, not your retirement number, just the smaller, more…
Read More>

Estate Planning

Estate Planning

Do You Need a Trust? 6 Family Situations Where a Will Falls Short

Somewhere along the way, “trust” became a word people associate with wealth they don’t think they have. Trusts are for other people, the thinking goes:…
Read More>
Estate Planning

Buy-Sell Agreement Basics: Who Gets Your Business If You Can’t Run It?

Most business owners have a will. Far fewer have answered the question that matters most for what they’ve built: what happens to the business itself…
Read More>
Estate Planning

Moved to Utah? Why Your Estate Plan Needs a Fresh Look

There’s a comforting myth about estate planning: that it’s a project with an end date. You meet with an attorney, sign the documents and check…
Read More>
Estate Planning

How to Talk to Your Adult Children About Inheritance

There’s a particular kind of silence that shows up around estate planning. Parents don’t want to talk about it because it means talking about their…
Read More>
Estate Planning

What Happens If You Die Without a Will in Utah?

Ask someone why they haven’t written a will, and you’ll rarely hear “I don’t think it matters.” You’ll hear “I haven’t gotten to it yet.”…
Read More>
Estate Planning

Estate Planning Checklist: 5 Steps Before You Meet an Attorney

Estate planning isn’t only for the ultra-wealthy, and it isn’t something to file away for later. It’s a core part of a complete financial life.…
Read More>

Investing

Investing

Recency Bias in Investing: Why Chasing Recent Winners Often Backfires

There’s a moment many investors recognize. A sector is surging. A fund is outperforming. An investment seems to be winning everywhere you look. The urge…
Read More>
Investing

Too Much Company Stock? How to Diversify a Concentrated Stock Position

“Don’t put all your eggs in one basket” is advice everyone nods along to and almost nobody applies correctly. The people most likely to break…
Read More>
Investing

Should You Move to Cash Before Retirement?

Everyone has met someone who claims they got out right before a downturn and back in right before the recovery. What you rarely hear about…
Read More>
Investing

Bonds in Retirement: The Quiet Force That Keeps Your Income Steady

When people think about investing, stocks usually get all the attention. They’re exciting, discussed on the news and often responsible for the biggest gains in…
Read More>
Investing

Loss Aversion Investing: Why Market Downturns Feel Worse Than They Are

A market drops 3% in a week and it feels like the beginning of something bad. A market climbs 3% in a week and it…
Read More>

Retirement Planning

Risk Tolerance vs. Risk Capacity in Retirement

Ask most people about their investment risk and you’ll get an answer about how they feel. “I don’t like watching my account drop.” “I can…
Read More>
Retirement Savings by Age: Why Business Owners Need a Different Yardstick

One of the most common questions people quietly carry is simple: “Am I on track for retirement?” For business owners, the usual answers rarely fit.…
Read More>
The 5 Years Before Retirement: A Year-by-Year Planning Roadmap

Ask most people what their retirement plan is, and you’ll get one of two answers. Either a number, some version of “I need two million…
Read More>

Tax

Tax-Loss Harvesting: How It Works and How to Avoid the Wash-Sale Rule

No one likes seeing an investment lose value. But in a taxable account, a loss can have a silver lining. Tax-loss harvesting means selling an…
Read More>
Does Utah Tax Retirement Income? Social Security, Pensions and 401(k)s in 2026

If you’re planning to retire in Utah, or you already have, it’s worth knowing exactly how the state treats your income. The short answer: Utah…
Read More>
Roth Conversions Before RMDs: Making the Most of the Gap Years

For many retirees, the years between leaving work and starting required minimum distributions are the lowest-tax years they’ll ever have. The paycheck has stopped, Social…
Read More>

Articles coming soon.

Monthly Market Updates

August 2026 Market Update: Leadership Shifts as Fundamentals Hold

If August felt like a lot to keep up with, you weren’t imagining it. Trade tensions with Canada turned into new tariffs, the bond market…
Read More>
July 2026 Market Update: A Market Catching Its Breath

July showed that loud headlines and steady fundamentals can show up in the same month. Tensions between the U.S. and Iran pushed energy prices higher,…
Read More>
June 2026 Market Update: A Strong First Half Meets a Hawkish Fed

June closed out one of the strongest first halves in years. Small caps had their best start to a year since 1991, the Dow logged…
Read More>
May 2026 Market Update: Strong Markets, Stubborn Inflation

May showed that strong markets and real uncertainty can exist at the same time. Technology stocks kept pushing markets higher, earnings beat expectations and the…
Read More>
April 2026 Market Update: A Historic Rally Amid Global Conflict

April showed how quickly headlines can thicken the fog, and how quickly markets can look past it. Conflict in the Middle East dominated early in…
Read More>
March 2026 Market Update: Volatility, Oil and a Market Repricing Risk

March felt turbulent. Stocks pulled back as geopolitical tension intensified and energy prices surged. Beneath the surface, though, markets weren’t unraveling. They were processing new…
Read More>
February 2026 Market Update: Leadership Broadens Beneath a Flat Market

At first glance, February looked quiet. The S&P 500 ended the month essentially flat. Beneath the surface, though, meaningful rotation was underway. In this February…
Read More>
January 2026 Market Update: A Fast Start Full of Headlines

January packed a lot into a few weeks. A U.S. operation in Venezuela, a tariff threat over Greenland, subpoenas aimed at the Federal Reserve and…
Read More>

Articles coming soon.