We've just started working with James and team at Switchpoint financial. I've been impressed with…read morethe thoughtfulness of their approach as well as the business model. Switchpoint uses a flat fee approach which pays for financial advice and investment management on a flat fee which factors complexity and whether it is single or a couple. It is higher value and lower cost than paying typical fees for AUM (assets under management). The flat fee also allows James and team to be objective in how our assets will reside. For example we have some 401K that are best left in pace right now as rolling money over early would prevent us from doing back door ROTHS and some other state tax advantages nearer term. An advisor who is paid strictly on AUM has an incentive to push for all assets to be managed by them. James and team can objectively decide what is best and provide guidance on how to invest any accounts we keep for now with an employer plan. Their investing approach aligns with my own which is more index based lower cost investments, not actively trying to time sectors or the market. Hands on planning and picking an investment strategy, but more hands off in terms of not trying to constantly touch the investments month after month guessing what will happen in the market. A philosophy of building a solid plan and letting the market do its thing long term. That said James is thoughtful and when there are obvious macro trends such as rising interest rates we are leveraging shorter term fixed income to avoid what appears to be obvious risk in the bond sector. A good balance of looking at market situations in terms of expected returns for an asset and tuning the investment approach which is different than pure market timing. In terms of onboarding there are a couple of well known brokerages (Eg. Schwab) that you can utilize to hold investments that James will manage. Although it means moving from a custodian I've been with for a while, we're very comfortable with their custodian options. James likes to use Dimensional Fund Advisor funds for some investments. After some research on these, they're very well regarded with Morningstar analysts and we're comfortable with how he's deciding on individual funds or ETF. A few other reasons we selected Switchpoint is that James is building a small organization to grow the business thoughtfully. We'd looked at some individual financial planners that didn't have a backup plan if something happened to the sole proprietor. Some of those planners also seemed a bit maxed out in being able to handle a new client well. Kyle has brought on an associate advisor Kevin who is learning the business and adding capacity to the org. James also has a Client Service coordinator Jessica who has been great and all our paperwork has been accurate, pre-filled out and making things very easy as well as an operations manager. I take the time to write a detailed review as we did a lot of research trying to find the right planner. We are in our 50's and wanted a planner who is experienced enough but also young enough they'd not retire before us :-) I hope this helps others who are looking for an advisor.

From the owner: We're changing the paradigm of financial advice from sales to profession by offering holistic…read moreretirement planning and investing for a transparent flat fee. No commissions. No % of assets fee. Just unbiased, expert advice.

The 2 brothers are scammers. They take advantage of elderly people by giving them false and…read moremisleading information.

Contacted B.O.S.S. after hearing advertisements. Learned some valuable information. Looked into…read morepossibly changing my life insurance to them, but made it very clear NOT to change it without my approval. Last week I received a letter from my life insurance company wanting to know why I changed and wanting me to change back. WHAT? I did NOT change. I have contacted the insurance commission in Utah and plan to file a formal complaint.

I'll give an update since writing this review the daily calls from Flagship Financial have stopped…read more The owner attempted to contact me as well. I gave an additional star for this. It still is not right that I have phone records of daily calls, sometimes multiple a day from this organization. Especially when I'm a former customer and would have possibly been a return customer had they not started this predatory lending behavior, and lack of respect when asked to be removed from the call list by two sales agents who continued to call. The other organizations I've refinanced with respect their customers and only send me a greeting card on a holiday or such. Not a single sales call.

I too am a veteran who has had a pretty crappy experience with this company. They refinanced my…read morehome a year ago and failed to set up enough money in my escrow account. My mortgage has gone up $60 a month to account for this oversight. I have tried to contact them and explain my situation. Three voicemails and zero returned calls later I decided to write this review. DO NOT USE THEM! It is that simple. After the loan is closed there is no customer service. Not a very good way to treat people who have given years of their life to serve this great nation.

Changing from a 5 star to a 1 star! I originally wrote a very positive review about Mike Stevens…read moreand Capital Wealth Advisors when we first met and signed up with them. Close to the end of year one my husband and I transferred some money from an IRA to a new Roth IRA. The amounts transferred were the same for both me and my husbands so it was easy to keep track of In December we found that for my new Roth IRA account the initial amount had not been invested. My husbands new Roth IRA was growing and my new Roth IRA seemed to be dormant. We brought this to Mike's team at Capital Wealth Advisors they said it hadn't been invested and would let Mike know. In February of the next year it was still dormant and not invested. Talked with the new president that Mike had put in place and was told they would fix the issue as it was their fault. In talking with Mike a few weeks later he told us that he had a conversation with his team and that they could NOT do anything about it. In April it still had not be allocated/invested. On August 1st on a zoom call Mike apologized to us, as he was confused as to what had happened and stated that it indeed was their fault and they "would make it right" as of that moment. He said my Roth IRA would then match my husbands Roth IRA. On August 13th my husband wrote Mike an email asking why it had still not been taking care of as promised. Mike wrote back saying that he had been out of town and was still "working" on it and that aslo maybe we should part ways and he would then turn our account into a "retail trade account". They finally could only mail me a check for the amount I would have gained on the account had they invested it. Problem with that is, I am not really made whole as promised because I am going to have to pay taxes again on that money and could not simply reinvest it because I am retired. We stated that to Mike and all he could say is "check with your tax advisor". So it was not made right nor whole.

Mike is total jerk to deal with. He will be super nice to get your business then flip a switch…read more My advice is to go somewhere else. Never saw anything in 5 years with my investment.

Have worked with Devin and crew several years now. Attentive, listens to my thoughts and concerns…read more Has many great ideas on tax topics as well. Also has tax service under their umbrella, which makes tax time a breeze.

Amazing investment advisor! Very professional and knowledgeable. Devin and his team walked us…read morethrough several options and helped us decide on a plan that worked for us! Highly recommend Brighter!

We meet at least annually with Arrin Wray of Decker Retirement. He is a true professional and knows…read morehis stuff. That is obviously what you need first and foremost in a financial investment guy. We also particularly appreciate his patience with us and his thoroughness in answering our questions and ensuring that we understand the strategies that are being employed in our behalf. This works well for us because my wife and I understand the financial world differently. He always makes sure that we are informed regarding new Decker investment offerings and how they might potentially benefit us without employing any pressure. All that said, as a bonus, he is a class act and a gentleman.

From the owner: Our mission is to objectively and mathematically show each person that walks through our doors how…read morethey can enjoy the retirement they have been wanting for their entire life. We work with individuals who are retired or retiring in the next 5-10 years, have a nest egg of at least 350K, and typically deal with at least 1 of these 3 issues: They are either scared to death about running out of money or knowing when they can retire. They are sick and tired of losing money they spent their whole career saving, and it's being taken because of stock market volatility. Or, they are worried about increasing taxes. If you fit 1 or more of these issues, we can help. Reach out and one of our assistants will respond and provide additional information to see how we can be of service to you.

My Wife paid a delinquent overdraft before it was 30 days overdue, the woman she spoke to said the…read morepayment would process in time without affecting her credit. The UCCU employee talked my wife out of using a card for an $8 fee. She was wrong, my Wife has communicated with UCCU and they admitted that the employee was incorrect but they refuse to retract their report to the credit agencies.

From the owner: Utah Community Credit Union has partnered with some of the most trusted companies to assist you…read morewith your family's financial planning.

I was able to get approved for a better life insurance policy faster and easier than I ever thought…read morepossible. Wes was incredible to work with--professional, knowledgeable, and genuinely focused on what was best for me and my family. He made the entire process smooth and stress-free, and I now feel confident knowing my family's future is secure. Highly recommend Praxis Insurance Partners for any insurance needs. Absolutely top-tier service!

From the owner: Praxis Insurance Partners specializes in tailored insurance solutions that give you peace of mind…read more Our clients love our fast, personalized approach and our knack for saving them money with competitive rates. Our creative solutions, like using annuities or whole life insurance for business succession or estate planning, ensure your financial dreams are secure. With hands-on support, clear guidance, and a passion for empowering Utahns, we’re your trusted partner for financial peace of mind. Connect with us today!