6955 South Union Park Center,
Salt Lake City,
Our advisors focus on retirement income planning. We realize that the most important financial asset for most people in retirement is a steady, reliable income for life that grows with inflation. We help our clients by offering PREMIER:
FSI offers many distinctive benefits, providing a valuable experience for our clients. Some of the many advantages include:
In our opinion, the single biggest determinant of financial success in retirement is whether you have and follow a realistic financial plan. We focus on your financial success by helping you create and implement your own plan. Our wealth management services include:
If you've been in to see us, you know how committed we are to our clients' financial success. Our passion for our calling is strong. Our mission is simple. We want to bring you:
We invite you to learn about, and experience what we believe are some of the best financial planning strategies available today. Come see us and feel our passion for our clients' success. Know that you are moving in the right direction.
Contact us to set up a confidential initial consultation at no cost or obligation to you.
We regret that we cannot accept everyone as clients. But if we do take you on, rest assured that we passionately believe that we can help you. We are convinced that you can build a plan to achieve a comfortable retirement with the right professional guidance. We accept new clients who:
Financial advisors are usually paid by fees, commission, or a combination of each, depending on how they are licensed. Most firms are set up in one of the following three ways (we are the last way on the list):
An upfront payment to the rep each time the rep does a transaction for you. This is the traditional way that life insurance salespeople and stockbrokers have been paid in the past. Requires securities license, series 6 or series 7.
An hourly or annual fee charged to the client, payable either by check or as a percent of the client's money under management. Products and strategies that are usually only accessible through commissions are not available in fee-only (non-traded REITs, bank CDs, private offerings, etc.) require a securities license series 65.
(that's what we are) will go, either way, commissions or fees, depending on what is in the client's best interests or preference. Requires all the licenses listed above. Since we are advisory-based, you can choose which way you want to go, and we are confident we can find you the most reasonable way to help you accomplish your objectives.
Your initial meeting(s) are at no charge or obligation since both sides are still figuring out if we are a good fit for each other. We will discuss fees before you become a client.
Our normal charge for a complete retirement plan is $1,550 and up to $7,550 for complex business succession and tax planning. Many times, this fee is waived depending on the amount of investments we manage for you. We also offer less complex modules depending on your situation, such as a retirement projection, a Social security timing optimization analysis, and a time-segmented allocation breakdown.
A percent of the amount of your fee-based accounts – often around 1.% that comes off the top of your investments annually. This fee is based on a sliding scale, depending on balances, number of accounts, and complexity. .50 bpts. (½%) fee up to approx. 1.35% depending on amount of assets up our management.
We try to avoid commissions where possible because we think they are not always in clients' best interests. Exceptions include your preference or products that are not available any other way.
FSI has a "no surprises" policy. We disclose all costs that you will be expected to pay before they are charged. Any extra fees are disclosed and billed.