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.
Three Pillars of Our Practice
Retirement income planning, federal employee benefits, and workplace retirement account management — coordinated under one fiduciary roof.
Traditional Retirement Planning
The core of our practice is the Retirement Money Map — a comprehensive blueprint for your financial independence.
- Tax Planning & Roth Conversions
- Social Security Optimization
- Estate & Annuity Coordination
- Medicare & IRMAA Guidance
Federal Employee Benefits
Deep-dive fiduciary expertise for federal employees. We understand FERS, FEGLI, TSP, and FEHB.
- FERS Pension Optimization
- TSP Strategy & Management
- FEGLI vs. Private Analysis
- FEHB & Healthcare Coordination
Workplace Retirement (SDBA)
You don't have to wait until retirement. Through the Self-Directed Brokerage Account, we manage your active workplace plan today.
- Fidelity BrokerageLink & Schwab PCRA
- Professional Oversight
- No Asset Move Required
"Federal employees work their entire lives for their country. My mission is to ensure their country's benefits system works just as hard for them in retirement."
Authentic Fiduciary Expertise for Federal Employees
Led by Mike Stevens, Author of The Federal Benefits Gap
Mike founded Capital Wealth in 2009 with a mission: help families retire with clarity, confidence, and a plan that actually works. The Capital Wealth team is focused entirely on retirement income planning, tax optimization, and fiduciary advice. When you schedule a consultation, you'll meet with one of our fiduciary financial advisors who will build your personalized plan.
Unlock Your Current Workplace 401(k)
Your employer's retirement plan may offer more investment options than you realize. Through a Self-Directed Brokerage Account, we can professionally manage your active workplace plan today.
Brokerage Windows
Access Fidelity BrokerageLink, Schwab PCRA, and other brokerage windows to unlock thousands of investment options beyond your plan's core lineup.
Professional Oversight
Capital Wealth manages your SDBA with the same fiduciary care as your other accounts — active monitoring, rebalancing, and strategic allocation.
No Asset Move Required
Your money stays in your employer's plan. No rollover, no distribution, no tax event. We simply manage the investments within your existing account.
Capital Wealth Radio
Straight talk 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 LibraryThe 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, helping Utah families navigate their golden years with confidence.
Retire Right, Retire Now
The Ultimate Guide to Retirement Income Planning
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
