How to Choose a Financial Advisor in Utah County (Without Getting Burned)

If you’re searching for a financial advisor in Utah County, chances are you’re not just looking for someone to manage your money—you’re looking for someone you can trust with your future.

And with so many options out there, how do you separate the advisors who just want to sell you something... from the ones who will actually walk with you to and through retirement?

Here’s a step-by-step guide to help you choose a financial advisor in Utah County that aligns with your goals, values, and long-term vision.

1. Look for a Fee-Only Fiduciary

The first question you should ask:

“Are you a fee-only fiduciary?”

Most people don’t realize that many “financial advisors” are actually sales reps in disguise—earning commissions for selling specific insurance or investment products. A fee-only fiduciary is legally and ethically required to put your best interests first, always. No kickbacks. No product pushing. Just advice you can trust.

At ROI Wealth Management, we’ve been operating as a fee-only fiduciary firm in Utah County since 1992—and we wouldn’t have it any other way.

2. Choose Local + Experienced

It’s tempting to go with a big-name national firm, but there’s something powerful about working with someone who understands the unique needs and values of your local community.

A Utah County financial advisor who lives and works where you do is better positioned to understand:

• Local tax implications

• Real estate trends

• State-specific retirement strategies

• Cultural values that matter to your family

We’re proud to be a second-generation, family-owned firm based right here in Utah County. Our relationships span decades and generations.

3. Make Sure They Offer Comprehensive Planning

Retirement isn’t just about your investment portfolio. A truly valuable financial advisor will help you plan holistically, including:

• Retirement income planning

• Estate and legacy planning

• Tax-efficient withdrawal strategies

• Insurance and risk management

• Cash flow and budgeting

At ROI, we call it “Your Personal Retirement Roadmap”—a customized strategy built around your goals, not generic financial products.

4. Ask for a Portfolio Review and Planning Meeting

The best advisors will show you what they can do—not just tell you.

That’s why we offer a Free Portfolio Review + Retirement Roadmap Meeting with all of our fiduciary advisors. In that meeting, you’ll get:

• A clear picture of how your current portfolio is performing

• Expert advice on how to reduce risk and grow your wealth

• A tailored strategy for navigating to—and through—retirement

• Insights across estate, tax, insurance, and investment planning

It’s your chance to experience what it feels like to have a partner who puts your interests first—without any sales pressure.

5. Trust Your Gut

A great financial advisor relationship is built on trust, communication, and alignment. After your initial meeting, ask yourself:

• Did they listen more than they talked?

• Did I feel heard, not sold?

• Were they transparent about fees, services, and expectations?

• Can I picture myself working with this person for the long haul?

If the answer is yes—you’re on the right track.

Ready to Talk?

At ROI Wealth Management, we’re here to help you take the guesswork out of your financial future.

✅ Fee-only fiduciary ✅ Family-owned since 1992 ✅ Personalized retirement planning ✅ Deep roots in Utah County

Book your free portfolio review and let’s explore how we can help you build wealth, protect your legacy, and retire with clarity.

Schedule Your Free Consultation → No pressure. Just smart planning.