Everything you wanted to ask,
answered.

We are an independent retirement planning firm based in St. George, Utah, serving clients across Utah, Nevada, and California. We build written, personalized retirement income plans — coordinating Social Security, pensions, IRAs, 401(k)s, taxable accounts, and insurance — and we update them with you annually.

Yes. J. Hartman Andersen is an Investment Advisor Representative held to a fiduciary standard through Retirement Wealth Advisors (RWA), an SEC Registered Investment Advisor. By law, we are required to act in your best interest.

Yes. The firm is independent. We are not owned by a bank, brokerage, or insurance company. We coordinate with institutional partners — Retirement Wealth Advisors, Brookstone Capital Management, TruChoice Financial Group, Teacher's Pension, and Riskalyze — but we are not affiliated with them in a way that limits our advice.

J. Hartman Andersen has 25+ years of experience across the computer, healthcare, and financial industries, and has been a financial advisor since 2015.

Pre-retirees and retirees — usually within 10 years of retirement — who want a written plan instead of guesswork. We also work with educators, small-business owners, and Spanish-speaking households across Utah, Nevada, and California.

Initial consultations are complimentary. Ongoing investment advisory fees are disclosed in writing before you sign anything. Fixed insurance and annuity products are offered separately from advisory services and are not provided by Retirement Wealth Advisors.

At our St. George, Utah office; at our partner Kiln offices in Salt Lake City, Holladay, Lehi, Provo, or Las Vegas; or by video conference — whichever is easiest.

Yes. J. Hartman Andersen is fluent in Spanish from missionary service in Bolivia and conducts complete retirement planning engagements in Spanish.

A written document that turns your accounts and benefits into a monthly paycheck for retirement. It identifies income needs and goals, calculates the gap between expenses and guaranteed income, decides which accounts to draw from in which order, and stress-tests the result.

At least annually. Tax law changes, markets change, and your life changes — the plan is reviewed and updated with you each year so it stays current.

A stress test that runs thousands of randomized market scenarios against your plan to see how often it succeeds. It's not a prediction — it's a check that your plan holds up across many possible futures.

It depends on your health, marital status, other income, and tax brackets. Often deferring to age 70 produces the largest household lifetime income — especially for the higher-earning spouse, because survivor benefits are based on the deferred amount. Social Security is also taxed more favorably than IRA distributions, which is why we usually model claiming and IRA withdrawals together.

It depends on the math, your other income sources, your spouse's situation, and your beneficiaries. We model both side by side — including spousal and non-spousal beneficiary impact — before you sign anything irreversible.

We measure your portfolio's actual risk number using Riskalyze and compare it against the risk your written plan can tolerate. Then we design — or redesign — the portfolio to match the plan. The goal is to fund retirement, not outperform a benchmark.

Sometimes — when they fit. Annuities can provide a floor of guaranteed income that lets the rest of the portfolio take appropriate risk. They are not right for every household. When used, fixed annuity products are offered separately from advisory services and are not provided by Retirement Wealth Advisors. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.

Retirees withdrawing during 2000–2003, 2007–2009, or March 2020 lost ground that compounding cannot recover. We design portfolios assuming downturns will happen — because they will — and we maintain enough cash and stability to avoid selling assets at a loss to fund living expenses.

Call 435-275-5799 or use the contact form. We'll schedule a complimentary consultation — in person, at a Kiln location, or over video — and walk you through what a plan would look like for your household.

No. We coordinate with your CPA and attorney, but J. Hartman Retirement Solutions does not provide legal or tax advice. We can refer you to trusted professionals if you do not have them.

Yes. Everything you share stays secure and confidential. We never sell client data, and we comply with all applicable financial privacy regulations.