Professional Retirement Planning Services in Utah, Idaho & Beyond
Strategic Income
& Tax Planning
You Earned It. Live the Retirement You Deserve.
How We Help
comprehensive services, personalized for you
Retirement plans should be simple, secure and effective. From creating dependable income streams to minimizing taxes and building a legacy, we focus on the five retirement fundamentals: cash, income, growth, taxes and legacy. Every recommendation we make is designed to help you feel confident and prepared for the road ahead.
Explore Our Serviceswho we are
Here for Our
Neighbors
We do things differently because we see financial planning differently. We're proud to call Utah, Idaho and beyond home, and we love helping families in our communities create strategies that reflect what matters most.
Here, you're not just another client. You're part of a neighborhood.
Meet the Teamin the
Media
Discover the Keys to a Secure, Fulfilling Future
Get 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 advice to help you make smarter financial decisions.
Access Media Library
Avoid the Biggest Retirement Planning Mistakes
Our Retirement Money Map is your guide to a secure and independent retirement. It can help you:
- Optimize your income streams
- Minimize taxes to save more
- Protect and grow your wealth
- Build a legacy for your loved ones
Are You Paying Too Much in Taxes?
12 strategies to keep more of your retirement income
Get the Checklistwhat we do
Comprehensive Retirement Planning
Tailored to your unique situation and goals.
Tax-Efficient Strategies
Minimize taxes in retirement through strategic Roth conversions, bracket management, and income planning.
Portfolio Management
Actively managed, diversified portfolios designed for retirement income and long-term growth.
Retirement Money Map
Our proprietary blueprint that maps every dollar from now through retirement and beyond.
401(k) & IRA Rollovers
Expert guidance on rollovers, consolidation, and optimizing your retirement accounts.
Social Security Optimization
Maximize your lifetime Social Security benefits with data-driven claiming strategies.
Medicare & IRMAA Planning
Navigate Medicare enrollment, supplement selection, and IRMAA surcharge avoidance.
Estate & Legacy Planning
Protect your wealth and ensure a smooth transfer to the next generation.
Federal Employee Benefits
FERS, TSP, FEGLI, and FEHB expertise for federal workers and retirees.
real scenarios
Where Are You
on Your Journey?
Thinking About Retirement
Age 58, looking to retire at 62. We created a tax-efficient drawdown strategy that extends their savings by 8 years.
View Case StudiesRetirement Ready
Age 65, ready to retire. Social Security optimization and Medicare planning saved them $180K over the course of retirement.
Already Retired
Age 70, retired 5 years. Estate planning and tax management preserved 40% more wealth for their heirs.
our process
Your Personalized
Financial Blueprint
Organize
We gather all your financial information and assess your current situation, uncovering opportunities you may have missed.
Plan
Create a comprehensive strategy tailored to your retirement goals, tax situation, and timeline for financial independence.
Implement
Execute the plan with ongoing monitoring and adjustments as life evolves. We stay by your side through every chapter.
testimonials
What Our
Clients Say
"Mike and his team are excellent. Their professionalism is amazing and we know his team really cares about us. They have presented a very comprehensive plan that has really expanded our view on what retirement can and will look like. We have looked at other financial planning options and Mike's approach is by far the most extensive and all-encompassing. Highly recommend everyone to take the time and reach out to them, even if you think you have it figured out. You won't be disappointed."
"I could not be happier that I am working with Capital Wealth! I finally have financial understanding and help with my future! Thank you Capital Wealth!! I am so grateful for the peace of mind!"
"This is a great company to work with. We've trusted them with our accounts for two years now and they've done great things for us! They are also very personable and pleasant to work with."
our commitment
We are legally obligated to act in YOUR best interest
As fiduciary advisors, we put your interests first, always. No conflicts, no hidden commissions, just honest advice.
specialized planning
Federal Employee Benefits Expertise
FERS, TSP, FEGLI, FEHB, and more. We understand the unique benefits and challenges of federal employment.
common questions
Frequently Asked Questions
Ready to Build Your Retirement Plan?
Start the conversation today. Initial consultations are complimentary for qualified families.