Retire with confidence.
Not confusion.
You've spent decades building your savings. Now it's time to turn them into a retirement you can actually enjoy — with reliable income, lower taxes, and a plan that works even when markets don't.
The Five Pillars of Retirement
A comprehensive framework that turns your savings into reliable retirement income — with tax efficiency, market protection, and healthcare planning all coordinated.
Income That Lasts
Turn your savings into reliable income streams that last your entire lifetime - not just the good years.
Plan Your IncomeTax-Smart Withdrawals
Strategic withdrawal planning that could save you thousands in unnecessary taxes every single year.
Cut Your TaxesMarket Protection
Protect your portfolio during downturns without sacrificing the growth you need to stay ahead of inflation.
Protect Your PortfolioHealthcare Planning
The blind spot most retirement plans miss. A clear framework for the costs that catch retirees off guard.
Navigate MedicareEstate & Legacy
Go beyond a basic will. Protect your family's future and leave the legacy you've earned.
Secure Your Legacy
"I'm passionate about helping people bring all the pieces of their financial lives together with clarity and purpose."
Meet the Team
Led by Mike Stevens, Investment Adviser Representative
Mike founded Capital Wealth in 2009 with a mission: help families retire with clarity, confidence, and a plan that actually works. Today, the Capital Wealth team has served over 650 clients and manages $500M+ in assets — focused entirely on retirement income planning, tax optimization, and fiduciary advice. When you schedule a consultation, you'll meet with one of our experienced fiduciary financial advisors who will build your personalized plan.
Capital Wealth Radio
Straight talk from experts with real guidance you can use.
Whether you tune in to Capital Wealth Radio on KSL, KNRS, or Newstalk, you'll access practical retirement advice to help you make smarter financial decisions — from tax strategies to Social Security timing.
Access Media LibraryServing Those Who Serve Our Nation
Federal employees have one of the best benefits packages in the country - but maximizing FERS, TSP, FEGLI, and FEHB requires specialized expertise most advisors don't have.
FERS
Pension calculations, survivor benefits, retirement date optimization, and FERS supplement bridge planning.
TSP
Fund allocation strategies, traditional vs. Roth analysis, withdrawal planning, and rollover decisions.
FEGLI
Coverage review, post-retirement cost projections, and comparison with private alternatives to save thousands.
FEHB
Keeping FEHB into retirement, Medicare coordination, and optimizing your healthcare strategy.
Unlock Your TSP's Full Potential
The TSP Mutual Fund Window (formerly SDBA) opens access to thousands of investment options beyond the standard TSP funds. For federal employees with $40K+ in their TSP, this could be the key to enhanced diversification and professional portfolio management.
Key Benefits:
- Enhanced Diversification: Access to sector-specific funds, international markets, and alternative investments
- Professional Management: Work with Capital Wealth to optimize your expanded investment options
- Risk Mitigation: Reduce concentration risk beyond the five core TSP funds
- Tax Efficiency: Maintain tax-deferred growth while expanding your investment universe
TSP Mutual Fund Window
The Capital Wealth Difference
Why professional retirement planning matters for your financial future.
Capital Wealth
Why It Matters
Most retirement plans fail because they're built around products, not people. As Utah's trusted retirement planner and financial advisor, Capital Wealth takes a comprehensive approach that coordinates all aspects of your financial life.
As fiduciaries, we're legally required to put your interests first — not sell you products that benefit us. Our integrated planning covers the critical areas other advisors often miss or charge extra for, including Social Security optimization and 401(k) rollover guidance.
The result? A retirement plan that actually works, backed by 25+ years of experience helping Utah families navigate their golden years with confidence.
Retire Right, Retire Now
The Ultimate Guide to Retirement Income Planning
After helping 650+ clients retire with confidence, Mike Stevens reveals the proven strategies that turn your savings into reliable retirement income. Download the first chapter free and discover:
- Why a portfolio is not a plan (and what is)
- The 5 pillars of successful retirement income
- How to protect your savings from market volatility
- Tax strategies that could save you thousands
- The biggest mistakes people make with their retirement
Real Results from Real Families
See what our clients say about their experience with Capital Wealth
"Mike and his team are the best! We previously were with two other financial planners whose fees were too high and their investment ability had no comparison to Mike. He was also the only one who addressed taxes. Mike got our retirement finances completely organized."
"I was nervous to find a financial advisor because I feel like all the ones we've used just cared about how they could make money off us. After reading reviews of Capital Wealth, I gave them a try. Mike has been above and beyond helpful year after year."
"Mike and his team at Capital Wealth are fantastic. They really take the time to understand your situation and build a plan that makes sense. I feel confident about my retirement for the first time."
Ready to retire with confidence?
Schedule a complimentary consultation to see how our Retirement Money Map can work for your family. No pressure, just clarity.
Schedule Your VisitA Fiduciary Promise
