The plan you were never given.
You have the pieces — a pension estimate, an IRA statement, a 401(k) app, a Social Security letter. What you don't have is the one document that ties them together. So we write it.
Most people arrive with fragments. You leave with a plan.
Every number you'd need to retire well already exists — scattered across statements, portals, and file drawers. The job of a fiduciary is to pull them onto one page.
§ 01 — Overview
§ 02 — Claim & timing
§ 03 — Taxes
A fiduciary who has already seen your situation.
Capital Wealth was founded on one rule — fiduciary, fee-based, planning first. That rule hasn't moved since 2009.
Straight talk. Real guidance you can use.
Every week Mike takes listener questions on Retire Right Radio — tax strategy, Social Security, Roth conversions, retirement income. No sales pitch. Just the same answers our planning clients pay us for.
Read before you decide. Then decide.
The book grew out of questions Mike heard every week on the radio — the same questions clients ask in their first planning meeting. Download the first chapter, no email gate on the preview.
Retire Right, Retire Now
Mike reveals the proven strategies that turn your savings into reliable retirement income. The first chapter covers the difference between a portfolio and a plan — and why that difference compounds for twenty years.
Download chapter →- Why a portfolio is not a plan (and what is)
- The 5 pillars of retirement income
- Protecting savings from market volatility
- Tax strategies that could save you thousands
- The biggest mistakes people make with retirement
Three steps. No surprises.
The first is complimentary. The second and third happen only if we both think it's a fit.
You bring the pieces.
Statements, benefit letters, last year's tax return. We read them together and tell you what we see.
- 30-minute complimentary review
- Video or in-person at our Lehi office
- Leave with written notes — no sales pitch
We write the map.
A fiduciary advisor drafts your plan. Tax sequencing, Social Security, pension, portfolio, legacy — one coordinated document.
- Reviewed with you in draft
- Revised until it's right
- Delivered in writing, yours to keep
You keep it current.
Laws change. Markets change. Life changes. We meet quarterly to revise, and stay reachable when you have a question.
- Quarterly planning cadence
- Unlimited advisor access
- Investment committee oversight
If one line fits, your Retirement Money Map™ is closer than you think.
Audience isn't a label. It's a situation. Pick the one closest to yours — we'll meet you there.
Already retired & drawing income
Withdrawal sequencing, RMDs, Roth conversion windows, and Social Security coordination — the order you draw your accounts in can matter as much as what's in them.
Tax-efficient withdrawalsPre-retirees, 55–70
Tax sequencing, Roth conversions, Social Security timing, portfolio design, estate coordination — one fiduciary, one plan, one document you can hand to your spouse.
Retirement planningStill working · 401(k) with a brokerage window
If your plan offers a self-directed brokerage account (SDBA) — Fidelity BrokerageLink, Schwab PCRA, and others — we can manage it today, inside your plan. No rollover, no tax event.
SDBA managementA written plan isn't a luxury. It's the reason you sleep at night.
The numbers below are what peace of mind actually looks like on paper — taxes you won't overpay, income you won't outlive, decisions you won't second-guess. The fee covers itself, many times over.
No two plans are identical. These are the ranges we see across our book of business — not a promise, a pattern.
Past results are not a guarantee of future performance. Numbers shown are aggregates across our planning book — illustrative, not projections.
What our clients say.
Testimonials are from current clients who were not compensated for their statements. They may not be representative of the experience of all clients and are not a guarantee of future performance or success. Individual results vary.
Turn the fragments into a plan.
The first conversation is complimentary. You'll walk out with written notes and a clear answer on whether a Retirement Money Map™ is the right next step.