We partner with couples and individuals who want clarity around their finances so they can live more freely. Many of our clients are pre-retirees and retirees, commercial construction professionals, medical professionals at Kaiser Permanente in California, and employees tied to major institutions like Utah State University, BYU, Adobe, and Qualtrics in Utah. From our locations in Granite Bay and Folsom, California, and Lehi and Logan, Utah, we serve people who dream forward, and we bring the financial tools to help make those dreams practical and sustainable.

Our Wealth Management clients receive comprehensive and ongoing services. Our process will incorporate all your financial goals and needs, such as cash flow management, portfolio management, tax planning and preparation, retirement planning, advice on stock options, and estate and legacy planning. We analyze each piece of your financial picture and rebuild it into a framework that supports both your present and future goals.

Both—our services are designed to meet you where you are in your financial journey. With our Wealth Management service, you receive fully integrated and ongoing financial planning and investment management across every area of your life. For those not yet ready for ongoing wealth management, we offer Wealth Choice and Wealth Builder. With Wealth Choice, you can access focused planning modules. With Wealth Builder, you get low-cost portfolio management plus planning modules at a discounted rate.

Yes—we are fiduciary, fee-only financial advisors, which means we are legally and ethically bound to put your interests first. Being fee-only means we’re paid directly by clients, not through commissions. Our advice is designed to be transparent and objective so you can feel confident about entrusting us with your financial life.

We are a fee-only firm, which means you pay us directly and we don’t earn commissions. With our Wealth Management service, fees are based on a percentage of assets under management and include ongoing financial planning. With Wealth Choice, planning modules are offered for a flat or hourly fee. With Wealth Builder, you pay for investment management plus access to planning modules at a discounted rate. See our ADV for more information about our services and fees.

We believe successful investing comes from discipline, not predictions. Our approach emphasizes diversification, low costs, and a long-term focus—never market timing or stock picking. We often use Dimensional Funds, grounded in academic research, to help capture returns efficiently. By rebalancing as needed and coaching you through market ups and downs, we help you stay focused on your goals rather than short-term distractions.

No—we don’t require a minimum asset level to work with us. Our fees are based on a percentage of the assets we manage for you, and our Wealth Management service includes ongoing financial planning as well. This flexible fee structure allows you to access fiduciary, fee-only management without worrying about reaching a specific balance.

Comprehensive, ongoing planning is included with our Wealth Management program. For Wealth Choice and Wealth Builder clients, planning is available through individual modules, offered for a flat or hourly fee depending on the service. This tiered approach lets you choose between a full-service relationship or targeted advice on specific topics.

Both. We meet with clients at our locations in Granite Bay and Folsom, serving the Sacramento area of California, as well as in Lehi and Logan, serving the Silicon Slopes and northern Utah. Many of our clients come from nearby communities, including Roseville, Rocklin, and El Dorado Hills, California, and Provo and Salt Lake City, Utah. We also serve clients virtually nationwide, offering the same fiduciary, fee-only guidance wherever you are.

Yes. We offer a complimentary 15-minute phone or video call to learn about your goals and answer your questions. This no-obligation conversation allows us to discuss what’s on your mind, explain how we work, and determine if our approach is the right fit for you. Schedule your complimentary call here.

Our main offices are in Granite Bay and Folsom, serving the greater Sacramento area, including Roseville, Rocklin, and El Dorado Hills. We also have meeting locations in Lehi and Logan, Utah, making it easy to connect with clients in the Silicon Slopes and northern Utah, including Provo and Salt Lake City. We also serve clients virtually across the country.

We help you understand how your retirement savings and income sources can support the lifestyle you want. That includes retirement income strategies, Social Security planning, and tax-efficient withdrawals to help create a confident retirement and indulge your retirement dreams.

Our retirement planning goes beyond numbers—we help you create a lifestyle you can enjoy today while preparing for tomorrow. We examine income, investments, taxes, and estate planning as a whole, then design a framework that balances living fully now with long-term security.

Yes. We specialize in working with commercial construction industry professionals who face irregular income, project-based cash flow, and complex tax issues. We help you streamline your finances, minimize your taxes, and build long-term wealth.

Yes—we help construction business owners and professionals plan for succession or retirement. This may include selling a business, structuring income, and minimizing taxes, allowing you to move confidently into the next phase of life.

We understand the unique benefits and retirement plans available to Kaiser Permanente medical professionals. We help you evaluate your options, optimize savings, and create a tax-efficient income plan.

Yes. We integrate your Kaiser retirement plans with your personal investments and other financial assets to help ensure that your compensation and benefits align seamlessly with your overall retirement strategy.

Yes. We work with USU faculty and staff to maximize their compensation and benefits, coordinating them with income planning, investments, taxes, estate planning, and all their other financial areas. Our goal is to help you build a clear and confident plan for the future.

Yes. We help USU faculty and staff look beyond their paycheck to build a financial framework for the future. This includes managing benefits wisely, creating tax-efficient strategies, and adapting your plan as your career and life evolve.

Yes. We partner with BYU faculty and staff to maximize compensation and benefit plans, while coordinating retirement income planning, investments, taxes, and estate planning into one cohesive strategy.

Yes—we understand the unique financial goals of BYU professionals, including preparing for retirement while planning for faith-based service. We design plans that allow you to do both confidently.

We help Adobe employees make the most of their stock compensation, retirement plans, and benefits. This includes strategies for stock grants and the ESPP, which are integrated into your overall plan.

Yes. Our team includes CFP® professionals and an Enrolled Agent to help integrate tax-efficient strategies for equity compensation. We help you minimize taxes while aligning investments with long-term goals.

We work with Qualtrics professionals to turn concentrated company stock and equity plans into opportunities for lasting wealth while integrating their compensation and benefits into a broader, comprehensive financial plan.

Yes. We guide Qualtrics employees through timing and tax considerations, aiming to maximize after-tax returns while integrating decisions into their full financial picture.