I manage the Edward Jones office located in the 9th & 9th / Sugarhouse neighborhoods of Salt Lake City, UT. Originally from Wiesbaden, Germany, I have been in the United States since 2008. After 13 years with Goldman Sachs as a vice president in the operations division, I joined Edward Jones because the company shares my values and dedication to doing the best for our clients. I am actively involved in the community, most recently serving on the board of the Sugarhouse Chamber of Commerce as well as spending personal time in various volunteer roles. In my free time, you can find me hanging out with my family. My wife, Laura, and I both enjoy the outdoors, traveling and being parents to our two labradoodles, Bruno and Rocco.So, who are you? I want to know what makes you who you are today. What is important to you? Why is it important? These are the questions I am privileged to ask. Because once I know the answers, I get to harness the incredible backing of thousands of amazing people at Edward Jones. They give me the processes and resources I need to tailor a solution to fit your goals. Whether your dream is to buy a house, take a trip of a lifetime, retire comfortably, protect your family, leave an inheritance, or anything in between, I can’t wait to get to know you, partner with you for years to come and help you stay on track to live the life of your dreams.

  

  

## Focus Areas:

*   Retirement Income Strategies
*   Social Security
*   Entrepreneurs & Business Owners
*   Estate & Legacy Strategies
*   Insurance & Annuities
*   College Savings
*   Divorce Finances

Edward Jones - Andreas Harkort

As an Edward Jones financial advisor, I believe it’s important to invest my time to understand what you’re working toward before you invest your money. It's also important to understand the level of risk you're comfortable accepting when investing so we can balance it with the steps necessary to reach your long-term goals.

  

Whether you're planning for retirement, saving for college for children or grandchildren, or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We can also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you top-notch client service.

  

But we're not alone. Thousands of people and advanced technology support our office so we can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the

opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals.

Edward Jones - Daniel D Vazquez

## Experience and Background

My primary goal as a financial advisor is to make sure that my clients can always answer three questions;

1.  What investments are in your portfolio?
2.  Why are those investments in your portfolio?
3.  How much are you paying your financial advisor for their services?

I have learned that using those questions as a guide, helps me, help you. Those three questions ensure that I am always on the same page with my clients. I have built my business by treating clients as I would want to be treated, I would want to be treated with respect, and transparency.

One-size-fits-all may be fine for some investors, but I believe investments should be tailored to your needs and not generically based on guidelines for someone your age or at your stage of life. If you spent more time last year planning your vacation than planning your retirement, now is the time to take action. Envisioning retirement is your job. Helping you get there is mine.

  

#### Now Accepting New Clients

##   

## Focus Areas

*   Divorce Finances
*   Retirement Savings Strategies
*   Retirement Income Strategies
*   Entrepreneurs & Business Owners
*   Portfolio Reviews

Edward Jones - Corey J Noyes

Fairway Reverse Mortgage - Salt Lake City

#### About Insure For Health

I started my career in 2004 as an office manager for an insurance agent. After spending a year and a half in the industry, I decided to get my Health & Accident license in 2006. At that point, I decided to be an Independent Health Insurance Broker representing multiple insurance carriers because I immediately realized that one product was not a one size fits all. Being a broker also allowed me to advocate for my client, not the insurance carrier.

Throughout the 12+ years of being in business, I have seen many changes in the health insurance industry. I have seen people get turned away from being able to obtain insurance because of their existing health and I’ve also seen people who got “tagged” with a health condition that has not affected them in any way, but still got turned away because of their diagnosis and they were considered a “risk.”

There is much debate about the effectiveness of the Affordable Care Act and without getting into a political discussion, I have seen people who have truly been helped with this program. I tell people that it is by far a “perfect” system, but for now it is what we have. I am committed to assisting people with whatever the current program is at the time because bottom line, the need for health insurance is very real. I have seen many close family and friends who have been presented with the tragedy of a loved one who has been affected by different medical conditions. I have spoken to others who although is not enduring a life threatening condition, they have been turned away from medical care without proof of having health insurance.

I could tell you many reasons why someone needs health insurance, but it has to be a personal choice. My goal is to educate you and answer your questions so that you have enough information to make that decision. I am committed to be your health insurance broker all year round. I truly am happy to take your calls, emails or texts to assist you through whatever questions or concerns you may have. If I don’t know the answer to your question, I will tap into one of my many resources to get the information you are in need of. The only dumb question is the one that is not asked.

  

  

#### Health Insurance Companies

#### Regence BlueCross Blue Shield

*   Affordable Care Act (ACA)
*   Medicare

#### SelectHealth

*   Regular Consumer Link ACA
*   Exchange Consumer Link ACA

#### Aetna

*   Medicare

#### Molina

*   Medicare

#### Humana

*   Medicare

#### United Healthcare

*   Medicare

#### Other Various Companies

Insure For Health

Alliance Wealth Advisors is dedicated to helping you transition out of the workforce, into a new life with the passing of a spouse that comes with decreased income and increased tax liability, and transferring your estate upon your passing to loved ones with the hopes of blessing their lives; not the IRS.

  

Understanding the economics AND the psychology of these transitions improves the client experience and outcome. While investment management is always important it becomes secondary during retirement transitions to the value of our financial planning and partnership. We focus on our client’s goals, values, motivations and fears. Many of the transitions our client’s face are still a way up ahead in their journey but when they get to those bridges, we cross them together.

Alliance Wealth Advisors

#### Sharon Meinor | Senior Loan Officer
Sharon Meinor has been in the reverse mortgage business since 2001.  In that time she has helped over500 seniors with their reverse mortgages.  Most of the reverse mortgage loans that are done today are to pay off existing mortgages so more money is staying at home.  The second most reason is that there just isn’t enough money at the end of the month.  Maybe the borrower wants to travel to see children and grand-children, maybe they need to pay property taxes or Christmas is coming.  There are literally thousands of reasons someone may need more money some months or every month.

Let Sharon help you discuss these qustions, she will go over the pro’s and the con’s of reverse mortgage loans in order to help you decide if one is right for you.  Sharon’s motto is "doing what’s right for you".  Sharon will sit down with you at your kitchen table or the office conference room which ever is best for you. 

Sharon was in the insurance business when her mom first spoke about doing a reverse mortgage, at first Sharon was like most children who did not like the idea.  After meeting with a wonderful reverse mortgage specialist, Sharon sat down with her parents and the loan officer  to see if they would benifit.  After that Sharon changed careers, Reverse Mortgage Loans are giving people a peace of mind, helping them enjoy their retirement years.

Sharon was born and raised in the Salt Lake area, graduated from Utah State University with a degree in communications.  She now lives in the Draper area with her husband.  They have three daughters and one grandson.

Call Sharon today for a no obligation quote on what a reverse mortgage can do for you.

Intermountain Senior Mortgages

What sets us apart from many other financial planners is that we are independent fiduciary planners as well as specialists. We have been around since 1994 and have made it our mission to provide plans for retirement that are in our client’s best interest. Being fiduciaries we are legally held to a higher standard on that promise to have your interests be our number one priority.

  

From making strategic decisions to developing your retirement plan, we are here to help. Using our expertise and deep understanding of the industry, you’ll receive real solutions and experience true results. Get in touch to book a meeting.

  

## Your Retirement Roadmap:

*   Income Planning
*   Investment Planning 
*   Tax Planning
*   Health Care Planning
*   Estate Planning

Financial Strategies Institute

One Financial Advisors provides individual options and solutions to those in need. Individual and family needs while aging has changed so much in the past years. Understanding your options to protect your family and ensure you, and your loved ones, receive the care needed for as long as you need it is our priority.

  

  

## Services Offered:

*   Guaranteed lifetime benefits for Long-Term Care
*   Tax-free benefits for Long-Term Care
*   Social Security Analysis & Optimization
*   Legacy planning
*   Care solutions for all stages of life
*   Retirement planning
*   Disability planning
*   Present and future financial assessments

  

One Financial Advisors is focused on helping each person achieve their individual goals and objectives. We understand that each person, couple and family has different needs. It is our priority to first listen to the desires of those we serve, then provide them with options available to accomplish their specific goals. Our team consists of a range of specialists with extensive experience with special needs, family businesses, long-term care and more. We at One Financial Advisors pride ourselves on integrity and service and are committed to providing the best solutions for those we have the privilege to serve.

  

  

### **Service provided to all counties in the state of Utah.**

One Financial Advisors - Dan Short

### "Navigating life is easier with a financial partner who is your unbending advocate."

Our industry has traditionally been stuffy, stodgy, and archaic. It's riddled with advisers who struggle to provide tangible transparent value. Divergent Wealth was created to change all that, to set a new standard for financial planning, and to re-define the client/adviser experience. 

  

  

## We Offer the Following Services:

*   Retirement Planning
*   Estate Planning
*   Goal Planning
*   Social Security Strategy
*   Investment Planning
*   Tax Planning
*   Income Planning
*   Insurance Planning
*   Cash Management
*   Liability Planning

### We Believe in Adding Tangible Value

Advisers should be obligated to bring tangible value to the table. The value received from your adviser should always outweigh the price that was paid to obtain it. So what is that value? If it cannot be simply articulated and quickly demonstrated, it probably doesn't exist. We believe in changing the way people engage with advisers and want to make that change by creating a super team of fiduciary advisers. 

Financially successful families surround themselves with 3 specialized, credentialed, and competent professionals.

  

  

*   A CFP® Professional
*   An Estate Planning Attorney
*   A Certified Tax Adviser

Divergent Wealth believes that using these overlapping specialists creates a collaborative team to manage not only your financial plan, but your estate, tax, and investment plans as well.

  

  

### We Believe in Simplifying Complicated Things

We don't hire an adviser unless they have the heart of a teacher. We consider our role as educators equal to that of advisers. Finding a partner who simplifies complex topics so you can make the best decision for you family is invaluable.  

  

  

### We Provide Tangible Value

*   On-going, interactive, and custom Financial Planning sessions with a CFP® professional in office or virtually to fit your needs
*   A Family CFO that reports to you, the Family CEO
*   A meticulous and detailed Relationship Manager
*   Introduction to an estate planning attorney who will carefully draft/review your wills, trusts, POA's, and medical directives and will sit in as needed in planning/review meetings
*   A firm that collaborates directly with your CPA and will send all your tax info directly to them at tax time
*   A common-sense investment strategy that's straight-forward, easy to articulate, and seeks to take advantage of market volatility
*   Online access to a portal to easily view investment performance
*   A digital archive of life's most important information - for end of life planning
*   A firm that specializes in simplifying complicated things

### We Will Maintain Our Passion for Excellence

We will continue to push ourselves to increase our expertise and exceed your expectations. Our team is made up of experts in each of the wealth management disciplines and we have extensive experience serving a sophisticated clientele. Our senior planners all have specific financial degrees and maintain multiple designations. (e.g., CFP®, CRPS®, CRPC®, etc.)

  

  

### We are Your Fiduciary and Family "Chief Financial Officer"

A fiduciary is someone legally bound to act in your best interest. It's a commitment to transparency and reducing conflicts of interest. It should be a bare minimum for any financial partner, but very few take the steps necessary to cement the commitment by operating as an RIA (Registered Investment Advisor) and a "Chief Financial Officer" for your family. 

  

  

### Our Attention to Detail Will Always be on Point

You've heard the adage, "Don't sweat the small stuff"... well in personal finance, that's just not an option. When you join the Divergent Wealth family, you hire us to sweat the small the stuff, so you don't have to. We'll focus on your future, so you can focus in the present.

  

  

### No Strings Attached

We are confident enough in our process and approach that we've structured our compensation to allow you the opportunity to leave with no strings attached. Our fees are pro-rated by the day, meaning if you decided to leave, any unearned advisory fees will be rebated. 

  

  

### Our Advice will Always be Straightforward & Forthright

There is nothing more frustrating than working with someone who makes life more complicated. We specialize in simplifying complicated things and doing it an honest and forthright manner. You can rest assured that we have tried to eliminate or disclose all conflicts of interest.

  

  

### We will Always have the Heart of a Teacher

You'll often hear us talk about our commitment to help every client know a little bit more than they did before they came in. As you grow in your financial literacy, your financial life will likely become less complicated and more successful. 

  

  

### We won't Accept Gifts Meant to Skew Objectivity

Advisers can be lured by lavish gifts that ingratiate them to a quid-pro-quo relationship with other service providers. As fiduciaries, we promise never to enter into any such a relationship and commit to you that our advice will always be in your best interest.

  

  

### We will be Meticulously Transparent

If you have nothing to hide, transparency is a natural result. There is no reason in this day and age that transparency should not be expected. However, our industry has been slow to adapt from its archaic and stodgy approach. We're not OK with that and commit to be meticulously transparent. 

  

  

### We are Committed to Your Success

Our role is to work with you to design a blueprint that reflects what is important to you and where you would like to be in the future. We then act as an ongoing catalyst both to implement the necessary steps and to respond to the inevitable changes that will occur over time.

  

  

### We are Committed to Your Needs

We will continue to focus on the issues affecting wealth individuals and families and take on a limited number of clients to ensure that you will receive an extraordinary service experience.

We love what we do and we're good at it. It's very rare when someone takes the time to learn about our approach, that they do not become a client. We are so confident in our planning approach, we'll create a custom plan for you during the interview process, so you can "try before you buy," no strings attached. Our planning process is a uniquely interactive experience between you and your planner. A financial planning relationship that can span generations to benefit your extended family.

Divergent Wealth

At Cambridge Financial Advisers, we understand the many concerns individuals and families face as they prepare for retirement, whether that is five years away or fifteen. Our goal is to help clients feel confident about their future and pursue their vision of a comfortable retirement. Through our comprehensive approach, we develop customized retirement strategies that address clients’ individual needs and goals, both short and long-term.

Cambridge Financial Advisers

As a team of brokers with over 80 companies available we provide complimentary planning sessions to make Medicare easy. We can answer any question you have about Medicare, Individual health insurance including the Marketplace ACA plans and group health insurance. We can help you know what age to begin collecting Social Security Retirement benefits to maximize your income. We can protect your money from loss, and give you peace of mind for the future in all financial areas including how to pay for Long Term Care. Our income plans are guaranteed for life and we can create a legacy plan for you as well. We have great options for final expenses and Tax Favored Transfer options. Call today for a FREE in person or phone consultation.

  

  

## Services Offered:

*   Healthcare Planning: Part A, Part B, Part C (Medicare Advantage), and Part D RX Plans. The best Medigap/Medicare Supplement and individual health insurance options available.
*   Income Protection: Solutions to safeguard your standard of living against market changes, life events, and outliving your income.
*   Asset Protection: Protect your assets against market losses, the cost of long-term care, and other uncertainties.
*   Legacy Planning: Solutions to protect, leverage or transfer assets with continuity and tax efficiency.

I have over seventeen years of experience in the financial industry, and many years of working with seniors and guiding them to make great decisions. I am also committed to bringing understanding and integrity to all my client relationships, and I will always be respectful of you, your concerns, and your time. Please call me for a free review of your current healthcare plan, Social Security benefits in order to make sure you’re maximizing your income, any life insurance, or other financial needs and questions you might have. I would be happy to help.

  

###   

### Service is provided to all counties in Utah.

Futurity First - Corby E. Hansen CLTC, CASL®

The wealth management experts at Lake Point Advisory Group have experience in retirement planning, investments and life insurance. Our knowledge encompasses key aspects of wealth management, such as investment advice.

  

Making good investments is only part of wealth management. We help you define and plan for your goals, such as income planning, tax planning, Social Security maximization, life insurance, asset protection and retirement. To make sure we understand your financial objectives, we’ll sit down with you for a face-to-face consultation. We partner with our clients and manage assets to grow wealth through solid investments to construct diverse financial portfolios, guide them toward financial independence and give them the ability to sustain comfortable lifestyles without worrying about running out of money down the road.

  

We act as your advocate and provide wealth management advice.

####   

  

## Services offered:

*   Investment Management
*   Financial Planning
*   Life Insurance
*   Annuities
*   Long-term Care Strategies
*   Social Security
*   Tax Efficient Strategies

Lakepoint Advisory Group - Ryan Overstreet

We are excited to share with you more about a Home Equity Conversion Mortgage (HECM), or also known as a Reverse Mortgage. If done correctly a Reverse Mortgage can be a very valuable retirement tool for years to come. We have helped many Utah senior home owners utilize one of their largest financial assets to be a partner in their retirement years. We look forward to being a valuable resource to determine if a Reverse Mortgage (HECM) is right for you.

  

Reverse Freedom is a Utah owned and operated company based out of Sandy Utah. Our name says it all, Reverse mortgages are our only line of business. We chose 7 years ago to focus all our efforts on Reverse Mortgages. We are passionate about the product and about our clients who benefit from the program. Meeting the financial needs of Senior homeowners age 62 is at the core of everything we do.

  

We are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home.

Through the years of serving our clients, many of them value the personalized approach we take in meeting with our clients face to face either in our office in Sandy or in the comfort of their own homes.

We also value in saving our clients money. We save our clients many times thousands of dollars in closing costs compared to the Large nationwide companies.

  

## What a Reverse Mortgage can Provide

*   Healthcare Costs
*   Home Improvement
*   Life’s Extras
*   No Monthly Mortgage Payments
*   Supplemental Funds
*   Help for Family Members
*   Purchase a New Home
*   Increasing Line of Credit
*   Delay your Social Security

  

  

#### Strategic HECM planning may help increase your SSI payout. Service is provided to all counties in the state of Utah.

Reverse Freedom - Chad Peck

New Millennium Group is a company with years of experience helping to provide our clients and their families work toward financial independence through security, performance, and personalized service. Our team of Investment Advisors, led by Derek Overstreet, truly cares about helping you make your financial dreams come true. We work toward helping retirees achieve financial freedom. We strive to lead with excellence: From our comprehensive financial analysis to timely and thoughtful communication, we’re committed to serving you and your family. You will always have a dedicated point of contact providing personalized attention and making sure that your questions are answered.

  

## Services Offered:

*   Wealth Management
*   Retirement Solutions
*   Life Insurance
*   Protecting Assets

  

Retirees don’t plan to fail; they fail to plan. You need a retirement plan that protects your savings, ensures a predictable income stream for life, participates in market gains while managing the risk of market downturns, stays hedged against inflation, and reduces your tax\* bill to the legal minimum.

  

  

#### Services provided for all counties in the state of Utah

New Millennium Group

We do Estate planning, wills, advance medical directives

Our estate planning services eliminate uncertainties and offer clients peace of mind. We provide the best tools that promote effective management of your estate, especially when you can’t do it on your own.

We also protect your property by placing them in special Trusts. Doing so gives you control over who benefits from the property without dealing with liabilities.

Trust our estate advisors to ensure your assets and properties are distributed accordingly after you pass away.

MDF Estate Planning

## **Why Choose Sandos Financial?**

We live and work in a rapidly changing global marketplace. With the amount of technology and the myriad of financial products and services available, investors are seeking personalized attention and expertise. Sandos Financial has provided individual and corporate clients with quality investments and professional guidance to assist them in meeting their financial objectives.

  

  

### **Accomplishing Your Goal Is Our Goal.**

Sandos Financial representatives have the knowledge and expertise to assist clients in meeting their objectives whether it is growth, income, tax savings or estate conservation. Conservative, time-proven investments provide the foundation for Sandos Financial’s successful investment philosophy — saving clients’ time, effort and expense.

  

  

### **How Can Sandos Financial Guide You?**

Sandos Financial prides itself on being client-focused and service-oriented. We believe in building relationships for the long-term. Successful investing and financial planning does not begin or end with purchasing an investment.

**We offer the following products and services:**

  

  

*   Structuring Predictable Retirement Income
*   Wealth Transfer Strategies
*   Life Settlements
*   Investment Risk Management
*   Annuity Valuation
*   Variable Annuity Investment Advice and Management
*   Life Insurance
*   Tax-Efficient Strategies
*   IRA & 401(k) Rollovers
*   Wealth Management
*   ESG / SRI - Environmental & Socially Responsible Investing
*   Legacy Planning

**We can also refer you to professionals who provide the following services:**

  

  

*   Trusts
*   Estate Planning
*   Tax Planning

Once we understand your financial situation, risk tolerance and investment objectives, we can help you structure products and services to meet or exceed your financial goals.

Sandos Financial, Inc.

American Patriot Service Corp. is a nonprofit corporation established to serve our military veterans and their families. Our personnel have been trained and are well qualified to help Veterans and their surviving spouses who may be entitled to health care and/or pension benefits from the Department of Veterans Affairs (VA).
We believe that Veterans who served our country during a wartime period earned and deserve the benefits to which they are entitled. We will assist any Veteran, surviving spouse and/or their family representative. We provide guidance and assistance during the assessment phase of the VA application process through the VA accredited attorneys and authorized representatives with whom we work.

There is never a charge for this service, neither to the Veteran nor surviving spouse nor their family members nor any facility in which the Veteran or surviving spouse might be a resident or patient. It is against VA regulations to charge any fee for this service.

In order for us to begin our service to you, please complete the brief form, and you will be contacted promptly.

**Outreach:**  Certified members are authorized to conduct outreach services to raise awareness of veterans’ benefits, particularly the Improved Pension Benefit, and who can qualify.  We gladly provide this service to any individual, family, or group of people, and particularly to veterans and surviving spouses of veterans.    

**Assistance:**  Our VA Accredited Service Officers and their staff provide the following assistance to help veterans receive the Improved Pension Benefit and other 

**VA benefits:**

* Explain eligibility requirements based on the Department of Veterans Affairs regulations and statutes;
* Assist through the entire application and claims process; and
* Assist with annual audits and help keep the veteran qualified year after year.   

We are dedicated to serving our Veterans and their surviving spouses.  Our mission is to help them understand and apply for VA pension and health care benefits they may be entitled to.  We effectively provide information, guidance, and assistance during the entire VA application and assessment process, and annual audits, through VA accredited service officers and attorneys, and other authorized representatives.

 _APSC does not provide legal or tax service._

## Help Us Help Veterans.

American Patriot Service Corp

We are a full-service financial brokerage that is partnered with and backed by some of the top companies in the industry, including Nationwide, Transamerica, Fidelity, Allianz, and more! What sets us apart is the educative approach that we take with our clients, ensuring that they fully understand all of the options to help them achieve their financial goals and dreams. Here at Bullen Consulting, we never charge any consultation or management fees. We are working to bring financial services to families from all walks of life, and focus on educating people on their options.

  

  

## Services Offered:

*   Retirement planning
*   Estate Planning
*   Investment Planning
*   Life & Health Insurance
*   College Planning, & More!

  

**We are truly a full-service financial planning firm.**

Bullen Consulting

At Fairway Independent Mortgage Corporation, customer service is a way of life. We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust.

  

Since opening our doors more than 23 years ago, our team has helped thousands of Americans achieve their dream of homeownership. Ranked as one of the top 10 mortgage companies in America by Mortgage Executive Magazine, we have funded more than $129.4 billion in loans since the company started and more than $21.8 billion in 2018 alone.

  

What is a Reverse Mortgage Loan? For qualified seniors 62 and older, a reverse mortgage, the most common of which is the HECM (Home Equity Conversion Mortgage), is a way to turn a portion of the equity in your home into cash without having to make monthly mortgage payments. As long as all loan terms are met, the loan becomes repayable when the last borrower leaves the home. As part of the loan, the borrower is required to continue paying property taxes and insurance and maintain the home. According to the US Department of Housing and Urban Development, more than a million households across the nation are using a HECM reverse mortgage insured through the Federal Housing Administration (FHA) that enables seniors to help manage their ever-increasing living expenses.

Contact us today to learn more about how we can assist you with your home financing!

Fairway Reverse Mortgage

We are a retirement planning firm focused on personalized custom plans helping our clients get to and through retirement. We are a fiduciary which means we always do what's best for our clients and their situation. We focus on maximizing social security, retirement income, minimizing taxes in retirement, asset protection and making sure you never run out of money in retirement!

  

At B.O.S.S. Retirement Solutions, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, to help you address your financial needs and concerns.

  

## Providing services for:

*   Retirement Income
*   Retirement Planning
*   Social Security Maximization
*   Tax Minimization
*   Wealth Management

  

## Testimonials & Awards

Utah's Best of State Winner for 3 years in a row, Inc. 5000 winner for 5 years in a row, 6 office locations along the Wasatch Front

B.O.S.S. Retirement Solutions & Advisors

Here at Merrill Lynch Provo, we strive to make a complex world simpler. The Young, Hullinger, Roundy & Associates team has over 120 years of combined experience in financial services, having been entrusted with more than $715 million of client assets (as of January 2020).

We feel our experience offers a perspective few financial advisor teams in the industry can match. With the investment insight of Merrill Lynch Wealth Management, the banking resources of Bank of America, and the personalized service of our diverse team, we are well positioned to assist you in achieving your financial goals, such as retirement income planning, education funding, wealth transfer, liquidity events, and others.

  

  

### Focus On Individuals and Families

We can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, we’ll start by getting to know you and how you feel about the following seven life priorities:

  

  

1.  Health: Managing healthcare expenses, now and in the future
2.  Home: Upsizing, downsizing, remodeling or buying a vacation home
3.  Family: Taking care of your family and other people in your life
4.  Leisure: Spending your free time in meaningful ways
5.  Giving: Volunteering, mentoring others and giving to charities
6.  Work: Working in retirement, selling or starting a business
7.  Finance: Bringing it all together and defining your financial goals

### Services

*   Financial Planning
*   Investment Advise
*   Retirement Income Planning
*   Portfolio Management

### Costs

No cost for your initial consultation. All other costs dependent on the services & products provided.

Merrill Lynch Provo

We have been serving Medicare clients in Utah for over a decade. Professional Insurance Solutions has always lived by one motto, “Serve our clients well and the rest will fall in place.” If you are looking for an agency that can serve you with your Medicare insurance needs, you’ve come to the right place! We represent all the top plans in Utah.

Professional Insurance Solutions

At our St George Independent Branch, you’ll find friendly, personalized help from an experienced team. Plus, you’ll have access to expertise, specialists, and insights to help you reach your own specific goals.

  

As members of your local community, we welcome you and are committed to giving you transparent, straightforward answers to your questions.

  

## We offer:

*   Wealth management
*   Investment advice
*   Retirement planning
*   Portfolio management

Charles Schwab: St. George

couple-meets-with-real-estate-agent

Agibly is here to help you learn about retirement advisors and planners. We have many resources available to help you get the best financial advice when planning for retirement. 

Retirement Advisors & Retirement Planners

Retirement planning is complex. From insurance providers to 401k advisors and mortgage specialists, Agibly.com connects you with financial service professionals who can help you set goals based on your unique circumstances and create a plan to protect your assets.

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