Our Firm


Financial Strategies Institute (FSI) is a leading wealth management and financial advisory firm in Salt Lake City, Utah with:

  • Experienced credentialed professionals

  • Chartered Retirement Planning Councilor (CRPC ®) under CFP line

  • Serving Salt Lake City, all of Utah, and clients across the country

  • Solutions customized for each individual client

  • Over 20 Years in business



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 them:



FSI offers many distinctive benefits, providing a valuable experience for our clients. Some of the many advantages include :

  • Education of our investor/clients in live financial workshops, video training’s, and written materials that help explain the strategies behind our recommendations

  • Strategies designed to minimize losses and to improve the potential for steady, reliable investment growth can make the difference in your retirement

  • Tax Savings as one of the most effective strategies for financial success in retirement



In our opinion, the single biggest determinant of financial success in retirement is whether or not 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:

  • Investment and IRA management

  • Guidance for building and monitoring a financial plan

  • Rollovers from retirement plans to IRAs

  • Classes, seminars, and educational workshops

  • Books, seminars, and videos for retirement preparation



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:

  • The highest quality investment and financial planning advice

  • Investment structures to help lower risk

  • Strategies with opportunities for financial growth

  • Service that exceeds expectations

  • Financial solutions designed to help throughout a lifetime


We invite you to learn about and experience what we believe are some of the best financial planning strategies available today. Come see us. 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.

How We Work


We regret that we cannot accept everyone as clients.  But when we do take you on, rest assured that it is because we firmly believe that we can help you.  We are convinced that with the right professional guidance, you can build a plan to achieve a comfortable retirement.  We accept new clients who:

  • Understand and agree with our investment philosophies.  You can find out our approach to investing from the live workshops, this website, Ernest’s book, or by coming in for a no-obligation introductory meeting.

  • Have a minimum of $250,000 of investable assets including 401k, retirement accounts, etc.,

  • Are committed to following the financial roadmap that leads to your target retirement, as agreed upon between you and us,

  • Accept our holistic approach that combines all financial facets of your life into your financial plan.  It is very difficult for us to fully help customers who just want us to manage a portion of their assets,

  • Are willing to listen to our advice in all financial areas of their lives.


Financial advisors are usually paid by commission, fees, 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):

Commission-based – 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.

Fee-Only – 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 usually only are accessible through commissions are not available (non-traded REITs, bank CDs, private offerings, etc.)  Requires securities license series  65.

Advisory-Based – (that’s what we are) will go, either way, commissions or fees, depending on what is in the best interests or preference of the client.  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.


First Meeting – 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 and charges before you become a client.

Retirement Planning – Our normal charge for a complete retirement plan is $2500.  We also offer less complex modules depending on your situation, such as a retirement projection, a Social Security timing analysis, and a time-segmented allocation breakdown (“NextPhase”).  Fees are often reduced for managed money clients or potential clients.

Management fee – A percent of the amount of your fee-based accounts – often around 1.25% – 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.

Commissions – 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.

Additional costs – 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, billed, and payable in advance.

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The content is developed from sources believed to be providing correct and accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. 

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Planners are Registered Representatives of and offer securities through Securities America, Inc., member FINRASIPC. Advisory services offered through Securities America Advisors, Inc., an SEC Registered Investment Advisor. Financial Strategies Institute is not affiliated with the Securities America companies. Securities America and its representatives do not provide tax or legal advice. Please consult the appropriate professional regarding your specific situation. CLICK HERE FOR FOR MORE INFORMATION.  

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction, or from every person listed.

Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation.


Financial Strategies Institute

Office: 801-316-4100

6955 South Union Park Center

Suite 410

Salt Lake City, UT 84047