Retirement, written
on purpose.
A retirement plan should fit one household — yours. We build a custom, written income plan and revisit it with you every year so you can spend your retirement living it, not worrying about it.
Free Portfolio Risk Analysis available · Video meetings on request
Where we sit
Looking out over the Mojave from St. George
- Fiduciary advice
- Written income plans
- Annual reviews
- Independent firm
- Risk analysis
- Spanish speaking
Retirement plans were never meant to be cookie-cutter.
Our job is to translate the spreadsheet of your life — Social Security, pensions, IRAs, taxable accounts, healthcare costs, travel goals — into a single, written income plan you can actually understand and act on.
We reduce risk where it makes sense, defer taxes where it pays off, and rehearse the plan every year so it stays current with your life and the markets.
25+
Years serving clients
2015
Founded as advisory firm
3
States served
Annual
Plan reviews
Every piece of a retirement plan, coordinated as one.
01
Retirement Income Planning
A written plan that identifies your income needs, calculates the gap, and decides which accounts to draw from — in what order, and why.
02
Investment Management
Risk-managed portfolios across index funds, mutual funds, stocks, bonds, and — where appropriate — annuities. Stress-tested with Monte Carlo.
03
Social Security Optimization
Should you claim at 62, 67, or 70? We model each scenario alongside IRA withdrawals so the choice is informed, not guessed.
04
IRA & 401(k) Rollovers
Consolidate old workplace accounts into a single coordinated strategy — tax-efficient, low-friction, with the long view in mind.
05
Pension Decisions
Lump sum or lifetime income? We model both, including spousal and beneficiary impact, before you sign anything irreversible.
06
Tax-Efficient Withdrawals
Order matters. Which accounts you draw from each year can change your lifetime tax bill by tens of thousands of dollars.
Calm, deliberate, written down.
Four conversations spread over a few weeks — not a sales pitch, not a sprint. The plan is yours either way.
See the full processStep 01
Discovery
We meet — at our office, at one of our Kiln locations, or over video. You tell us what retirement should feel like. We listen.
Step 02
Risk & income analysis
We measure your portfolio's true risk number and compare it against the income your plan actually needs.
Step 03
The written plan
You receive a personalized income plan — Social Security, pensions, withdrawals, taxes — in plain language.
Step 04
Annual review
We meet at least once a year to stress-test the plan against new tax law, new markets, and new chapters of your life.
Meet your advisor
J. Hartman Andersen
Owner · Investment Advisor Representative · Fiduciary
Twenty-five years across computer, healthcare, and financial industries before founding the firm in 2015. Doctorate from LifeWest, double bachelor's from Brigham Young University, and a lifelong teacher — including Retirement Wealth Academy courses at local educational institutions.
Fluent Spanish speaker from missionary service in Bolivia. Pickleball, family, and a long view on markets — in that order.
Read the full bioWhat does J. Hartman Retirement Solutions actually do?
We are an independent fiduciary retirement planning firm based in St. George, Utah. We build a written, personalized retirement income plan that coordinates your Social Security, pensions, IRAs, 401(k)s, taxable accounts, and insurance — and we update it with you every year.
Who do you work with?
We work with pre-retirees and retirees across Utah, Nevada, and California — typically households within 10 years of retirement who want a written plan instead of guesswork. Initial consultations are complimentary.
Are you a fiduciary?
Yes. J. Hartman Andersen is an Investment Advisor Representative held to a fiduciary standard through Retirement Wealth Advisors, an SEC Registered Investment Advisor. That means we are legally required to act in your best interest.
What does it cost to meet with you?
Initial consultations are complimentary, in person at our St. George office, at our partner Kiln offices in Salt Lake City, Holladay, Lehi, Provo, and Las Vegas, or by video.
Let's find your risk number — and your real plan.
A free portfolio risk analysis takes a few minutes. The conversation that follows is the part that actually changes retirements.
Or call 435.275.5799. Your privacy matters — everything stays confidential.