Social Security Maximization
Filing strategies, spousal coordination and provisional-income tax planning to get the most from your benefit.
Fiduciary Retirement Advisors · Provo, Utah
Think Smart.
Think Smart.
Retire Better.
Retirement can feel like rocky, unstable terrain. The right guide makes this next phase far easier to navigate — with clarity on the road ahead.
True Fiduciary
Fee-based · No commissions
Locally owned in Provo
“We win
when you win.”
when you win.”
Our fiduciary promise to every client
Held to a fiduciary standard
We are legally bound to act in your best interest — always.
Institutional-class investing
Low-cost funds with no commissions and competitive fees.
The right people in the right places
A dedicated team guiding you at every step.
Education, not sales
Hands-on planning so you understand every decision.
Our Services
Comprehensive, guided retirement planning
Everything that touches your nest egg — coordinated into one clear, protected plan.
Pension & Income Strategies
Analyze payout options and guaranteed-income solutions for stable, inflation-aware retirement income.
Retirement Account Analysis
A clear look at your holdings, fee structures and risk exposure to surface optimization opportunities.
Investment Guidance
Portfolios built around your goals, using the right tools while keeping costs low.
Investment Management
Ongoing management with institutional-class funds, no commissions and competitive fees.
Life Insurance & Annuities
Straight-talk education on risk management, asset protection and legacy provisions.
Roth Conversions
Tax-efficient conversion strategies based on your brackets, projections and future RMDs.
Managing Taxes in Retirement
Strategic tax planning woven directly into how your retirement income is designed.
Legacy Planning
Coordinating trusts, beneficiaries and end-of-life planning to protect the people you love.
Not sure where to start?
Book a complimentary retirement review and we'll map the right next step for you.
Get started
Our Approach
Plan today, enjoy tomorrow
We combine comprehensive, guided planning with hands-on implementation — so you finish confident in a complete and protected plan.
Confidence in Retirement
We start by understanding your goals, income sources and concerns — building a clear picture of where you stand today.
Step-by-Step Guidance
Education first. We walk through every strategy together so each decision is one you understand and believe in.
Hands-On Implementation
We don't just hand you a binder. We help put your plan into action and revisit it as life changes.
Our Team
The right people, in the right places
A dedicated Provo-based team serving you at every step of the journey.
Mindy Perez, RICP®
President · Wealth Advisor
W. Craig Judd
Founder · Financial Planner
Candace Riedelbach
Marketing & Client Services
Hallie Mahoney
Administrative Specialist
Get Started
Request your retirement review
Tell us a little about where you are. We'll follow up to schedule a complimentary, no-pressure conversation.
Office
350 E Center Street #100Provo, UT 84606
Phone
(801) 225-5555Office Hours
Monday – Friday · 8:30 AM – 5:00 PMFind us
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