BUILD A RETIREMENT PLAN THAT WORKS
We integrate your income, investments, taxes, healthcare, and legacy needs into one seamless strategy designed to help you spend less time worrying and more time living.
Get Your No-Cost Retirement Inspection®
You wouldn't sign a 30-year mortgage without an inspection, so why navigate a 30-year retirement without one? Our proprietary report helps provide the framework needed to answer some of your most pressing financial questions, such as:
How much can you spend per month?
Is there an opportunity to reduce your taxes?
Are you taking too much risk with your investments?
Our Planning Process
Three Steps to Start Spending Without Fear
Step 1
No-Cost Retirement Inspection®
We avoid wholesale, back-of-the-napkin approach. This is about your specific retirement.
Intro Call to understand where you are and what you're trying to figure out.
Discovery Meeting where we get to know what is actually important to you so we can give you real guidance instead of guesses.
Proprietary Retirement Inspection® that helps determine: how much can you spend each month, where may you be losing money to taxes, and are your investments working against you?
Step 2
Retirement Framework™
We build your retirement like a home, one level at a time. Our Framework is the system that helps ensure nothing gets skipped.
A monthly
cash flow strategy that prevents you from overspending or underspending.
An
investment
portfolio aligned with your goals and priorities, not just your risk tolerance.
A protection plan to
secure your income, your health, and the people who depend on you.
A forward-looking
tax strategy so you keep more of your hard-earned dollars.
A
legacy strategy to help ensure the right people receive the right things with the proper documents in place.
Step 3
Ongoing Planning
Life is always happening. We continue planning and strategizing on your behalf.
We monitor your plan behind the scenes so you don't have to wonder and worry while you’re enjoying your retirement.
We
meet twice a year and we are available to answer questions and provide ongoing advice all year long.
We
reach out to you when something needs attention. You will never have to chase us down.
Schedule Your Retirement Inspection®
How We Compare
From sporting events to movie tickets, the "new normal" seems to be paying a premium for a cut-rate experience. We don’t buy into that. We’re sticking to the old-school philosophy: earning your business through superior service and real value. See how we stack up against the rest:
|
Traditional Firm | |
| Interactive Plan with Goal Tracking | ||
| Social Security Optimization | ||
| Purposeful Investment Alignment | ||
| Income & Withdrawal Maximization | ||
| Tax Minimization Strategies | ||
| Healthcare Cost Management | ||
| Legacy & Estate Protection | ||
| Proactive Communication | ||
| Dedicated Support and Guidance |
Schedule Your Retirement Inspection®
What Our Clients Think
"Trevor has been great with us. I would use him again."
"I met Trevor last spring when he was presenting a Social Security class at Weber State. He is extremely knowledgeable, personable, and helpful. We met with a few financial advisors but ultimately decided that Trevor's approach and philosophy regarding retirement was exactly what we were looking for. We are extremely happy with Phibbs Financial and our financial outlook. We highly recommend Trevor and Phibbs Financial."
"Trevor Phibbs has a way of explaining things that's clearer and more approachable than any other advisor I've met. I appreciated the free consultation before deciding to engage his services. The peace of mind I've gained from working with him has been one of the most meaningful benefits of the entire experience."
"Trevor is very professional and knowledgeable. He took the time to help me better understand my investments. He helped me create a new plan for the future. I truly appreciate the assistance he has provided me and I am looking forward to a prosperous future with Phibbs Financial."
"Trevor is very committed to making sure that my wife and I have the best retirement plan possible. Thanks for looking out for our future!"
"Trevor has been a great asset for me and my financial planning. He has found small things that I would have never thought of that has improved my future and my family's future. I cannot recommend him enough."
"We've been with Phibbs Financial for some time and our experience has been and continues to be amazing. We truly recommend Trevor as your financial advisor if you seek a rich retirement."
"Meeting Trevor and Phibbs Financial has been the best thing and definitely most needed. I appreciate the way Trevor is approachable and very knowledgeable. He explains financial matters very clearly and visually. Not only is Trevor an excellent individual, he does things that are very personal, from his handwritten thank you note, to a money tree gift, and weekly emails. I feel safe knowing my finances are in good hands. Mahalo Trevor Phibbs and Phibbs Financial."
"Finding Trevor has been a great thing for us. He tailored a financial plan for my wife and I that makes us feel confident about our financial situation in retirement. He gives us all the one-on-one attention we ask for, and is very patient and kind. I highly recommend him."
"Trevor has been a pleasure to work with. He is always patient and kind in explaining things to us. I know he has our best interests in mind with all his recommendations and we feel relieved and encouraged by the plans he has made for our finances."
"Trust was built immediately in Trevor's integrity, experience, professionalism, and fiscal strategy. My highest recommendation for the assistance and guidance managing your financial future."
"Phibbs Financial is so great. Trevor has spent countless hours getting our retirement in order and finding some problems but also finding a way to fix them. He has been honest and forthright. If you need a fantastic retirement planner you can't go wrong with this company!"
"We have been working with Trevor for almost a year. He helped us realize that we were in a great position to retire and to be able to enjoy our retirement worry free! He is thorough, professional and very knowledgeable. We definitely recommend Phibbs Financial for your retirement planning needs!"
"Trevor Phibbs has been an amazing advisor to my wife and I as we researched what our next financial steps were going to be as we head into retirement. He has taken the time to provide us with relevant insight and information necessary to make solid decisions. Additionally, Trevor goes above and beyond with communicating with us, and resolving questions and concerns that we have had. We trust Trevor to continue guiding us and give him our highest recommendation if you are looking for a financial advisor." — Clint and Julie Spindler
"Trevor is great to work with, transparent and honest!"
"We've been treated like important clients every time we've needed help with decisions. Excellent customer service."
"Trevor is forward thinking, efficient and reliable. He takes the time to get familiar with your situation, investigate options and then clearly explain your options. He has a wealth of experience and a brilliant mind. We are so happy to have Trevor guiding us with our finances. We highly recommend Phibbs Financial!"
"Trevor has been very thorough and detailed in his explanations. I feel like my assets are in good hands with him and his team."
"Trevor has been awesome! He has made it feel possible to really have a good retirement. We are loving his plan for us. Thank you so much for all the reassurance!"
"Great service. Teaches you what you don't understand. Makes sure that you are comfortable with what is happening."
"Trevor is very knowledgeable, professional, punctual, responsive, and willing to take the time to explain everything. With the retirement plan that he drafted for us, even though I feel I am a little late in the game, I feel much more confident now with having enough for retirement."
"Trevor has been so much help. He is very knowledgeable of financial planning. We have been so happy with all he has done plus we feel like we have found a great friend in him and his beautiful family. He goes the extra mile. We feel so lucky to have made the choice to go with Phibbs Financial and would highly recommend it to our friends and family."
"Trevor of Phibbs Financial is very well schooled on investment strategy and client dedication. I have had the privilege of working with many financial advisors and Trevor stands atop of my list!!!"
"Phibbs Financial is like a trusted friend helping you navigate your financial future. We trust Trevor to guide us and offer the best info and help possible. Wouldn't want any other advisor."
"Trevor Phibbs is great to work with."
"Trevor and Phibbs Financial is 100% top notch! Super knowledgeable and walked me through the entire process while answering all questions. 10/10 would recommend!!"
"Trevor is easy to work with, no pressure and he seems very knowledgeable."
"Trevor of Phibbs Financial has been OUTSTANDING to my wife and I since we moved to Utah from Washington State in 2021. We didn't have a financial advisor in Utah, but after we met with Trevor the first time, we were impressed to say the least. If you're looking for a Financial Advisor that CARES about you as a person, you will not go wrong with Trevor. HIGHLY RECOMMEND!"
"Trevor has been amazing to work with. You can tell he is passionate about what he does and wanting you to succeed financially. He is patient with answering all of my questions and explaining terms and processes I am unfamiliar with. I recommend Trevor and Phibbs Financial 10/10! Thanks Trevor."
"Trevor is an outstanding person who takes great care of his clients. Absolutely the ONLY person I recommend for all your retirement needs."
These testimonials are unpaid and were selected from among all available client reviews. Phibbs Financial has no knowledge of any existing conflicts of interest that would impact the integrity of these statements.
Questions? We Have Answers
What’s the experience of working with you like?
Because we’re family-owned, how we operate matters just as much as the advice we give. We hold ourselves to three core principles: professionalism, punctuality, and proficiency. Our job is to help simplify complex financial choices, keep the plan on track, and deliver a level of service that feels personal and reliable.
Who do you usually help the most?
We specialize exclusively in helping people navigate the complexities of retirement. Our typical client is 60+, within five years of retiring, and deeply values the 'Return on Life' their savings can provide. They’ve done the hard work of saving; now, they want a partner to help them coordinate their income, taxes, and legacy so they can enjoy the fruits of their labor without added financial stress.
What happens after we start working together?
Life doesn’t stand still, and neither does your financial plan. We provide proactive, ongoing guidance to navigate whatever comes your way—whether it's a market shift, a healthcare need, or a change in your family's goals. We’re here for every 'what if' and every milestone, providing the steady hand you need to enjoy your retirement with total confidence.
How much does it cost to work with you?
Our compensation is straightforward: we earn a professional fee based on the value of the portfolio we oversee for you. This is handled directly through your accounts, so you never have to worry about writing a separate check or dealing with surprise invoices. This single fee covers your entire retirement strategy, including your tax efficiency strategy, income coordination, and our ongoing guidance. As your fiduciary, we are legally bound to put your interests above our own, and we keep our reporting crystal clear so you always know exactly where you stand.
Am I locked into a long-term commitment?
Not at all. You maintain 100% control over your assets and your future. We operate with the mindset that our seat at your table is a privilege, not a right. Because there are no exit fees or restrictive contracts, the pressure is on us to consistently deliver the high level of service you expect. If your situation changes or you decide to go in a different direction, you can transition your accounts whenever you choose.
Where will my money be held?
Your money stays exactly where it belongs: in your name. We partner with Altruist, an industry-leading custodian, to provide a secure infrastructure for your accounts. You retain full ownership, while we manage the investments on your behalf. Because we are an independent firm and Altruist is an independent custodian, there are no hidden agendas or sales quotas, just a transparent environment where your financial security is the only priority.
How do I transfer my accounts?
We facilitate an apples-to-apples transfer, meaning your assets migrate 'in-kind' without being sold or liquidated. This keeps you fully invested and helps to avoid triggering unnecessary taxes. Once everything is safely settled, we’ll sit down together to review your strategy. We never make a single trade until you’ve reviewed and approved a plan that aligns with your specific goals.
We Still Believe in the Golden Rule
Founded on
Family Values
Entering the financial industry at a Fortune 100 company was a wake-up call. I quickly realized that the "hard reality" of the business wasn't actually about helping people; it was about gathering assets, pushing products, and hitting sales quotas.
I’ll never forget the team meetings where we tracked our "success" using baseball metaphors. A client’s life savings was reduced to a "single," "double," or a "home run" based on how much money they had.
These weren't just numbers—they were people’s retirements, their legacies, and their futures.Treating someone’s life savings like a sports stat felt fundamentally wrong, like a surgeon trying to win a "most heart surgeries" trophy.
I knew then that if I was going to do this right, I needed to build a firm that prioritized human impact over sales targets—a practice I would be proud to put my family name on.
Wisdom is Wealth
Learn from our weekly retirement show.
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Learn how to avoid lifetime premium penalties for Part B and Part D — and what you need to know whether you're still working or already retired.
Where Should You Pull Funds from First in Retirement?
When the paycheck stops, the real challenge begins. Phibbs Financial walks you through which accounts to tap first, how to minimize taxes, and how to avoid the mistakes that drain portfolios too early.
Understand Spousal Social Security Benefits
Learn how claiming benefits early can affect your Social Security spousal benefits. Understanding social security spousal benefits can be complex, but it's crucial for retirement planning.
Get Your Questions Answered
Without having to endure the four-hour sales pitch on the golf course.
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Thank you for contacting us.
We’ll get back to you as soon as possible.
Contact Us
385-787-1157
11576 S. State Street
Suite 1104
Draper, UT 84020
385-787-1157
11576 S. State Street
Suite 1104
Draper, UT 84020
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