An independent firm,
built on listening.
We are an independent Utah retirement planning firm, committed to helping Utahns, Nevadans, and Californians retire successfully — with a written plan, the discipline to follow it, and the humility to revise it every year.
Owner & advisor
J. Hartman Andersen
I spent 25+ years across the computer, healthcare, and financial industries before I became a financial advisor in 2015. The throughline was always the same: get the data right, then explain it like a human.
I hold a double bachelor's degree from Brigham Young University and a doctorate from LifeWest. I served as a missionary in Bolivia for The Church of Jesus Christ of Latter-day Saints — which is also why I do retirement planning comfortably in both English and Spanish.
I teach Retirement Wealth Academy courses at local educational institutions because I believe most retirement mistakes are fixable with a clearer picture and a written plan. Outside the office I'm on a pickleball court, with family, or buried in a good economics book.
- Investment Advisor Representative (IAR)
- Held to fiduciary standard via RWA
- Double bachelor's, Brigham Young University
- Doctorate, LifeWest
- Fluent Spanish (missionary service, Bolivia)
- Retirement Wealth Academy instructor
Independent — and well supported.
Independence does not mean working alone. We coordinate with institutional partners chosen for specific strengths so the advice you receive is well-supported, well-researched, and never product-driven.
SEC Registered Investment Advisor
Retirement Wealth Advisors
Grand Rapids, MI · 180+ advisors · 6,000+ households
Risk-managed portfolio design
Brookstone Capital Management
Institutional-grade portfolio construction.
Life insurance and annuities
TruChoice Financial Group
Coverage and product analysis support.
School district retirement services
Teacher's Pension
Specialized retirement work with educators.
Portfolio risk analysis
Riskalyze
Quantifies your portfolio's actual risk number.