Fiduciary · Fee-Based · Layton, Utah

You Approve Every Trade. I Handle Everything Else.

I'm Ryan Hammett. I spent twenty years learning service across multiple retail settings and built my market discipline inside Fidelity and E*TRADE — then founded Kimberlite so Utah families could get the full picture from one fiduciary: disciplined portfolios, honest digital-asset guidance, and a plan that's actually yours. Written plan first. Published fees. Never billed in advance.

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Fiduciary Standard · Registered Utah Investment Adviser · Firm CRD# 342159

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Ryan Hammett, founder and fiduciary advisor at Kimberlite Financial Services in Layton, Utah

Ryan Hammett Founder · Your Advisor, Start to Finish

Why Choose Us

Why Choose a Hybrid Advisor?

Most advisors avoid digital assets. Most crypto firms skip real financial planning. We bridge the gap — and add comprehensive insurance protection too.

Fiduciary Guidance

Legally obligated to act in your best interest, with every material conflict disclosed in writing before any advice is given.

Evidence-Based Investing

Portfolios built on decades of academic research — not market timing, speculation, or hype.

Digital-Asset Strategies

Bitcoin and crypto exposure for clients where it fits, managed responsibly and tax-efficiently.

Tax-Efficient Planning

Coordinating across traditional and digital holdings to minimize your tax burden year over year.

Insurance Protection

Life, health, disability, and property coverage available through our affiliated agency, Kimberlite Insurance Services LLC — coordinated with your plan, never sold inside it.

Local Utah Presence

A real advisor in your community — in person along the Wasatch Front, or by video anywhere in Utah.

What We Do

Investment Management & Financial Planning in Layton and the Wasatch Front

Traditional Wealth Management

Built for Long-Term Growth

Diversified, evidence-based portfolios designed to grow and protect your wealth over decades.

Retirement planning
Investment management
Tax-efficient portfolios
Risk management
Estate planning coordination

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Digital-Asset Advisory

Responsible Crypto Integration

For clients interested in digital assets, we provide education, allocation strategy, and ongoing guidance.

Bitcoin education
Responsible allocation strategies
Crypto tax coordination
ETP-based exposure — no private keys
Portfolio integration

How I Handle Crypto →

Ryan Hammett, fiduciary financial advisor serving the Wasatch Front from Layton, Utah

The Person Behind the Firm

Twenty Years of Counters Before This One

Kimberlite is the rock that carries diamonds up from miles beneath the earth. It's also, in a manner of speaking, where I spent the first half of my career — nearly twenty years in the jewelry business, starting behind the counter at Zales in the Park City Outlets. That counter taught me the lesson this firm is built on: the product almost never sets you apart. The service does.

The second half of my career was markets — a day-trading partnership, then Fidelity Brokerage Services, then E*TRADE from Morgan Stanley. The longer I worked inside the big houses, the clearer the gap became: clients were getting shown half the picture, because a big firm can only recommend what a big firm offers.

I founded Kimberlite to close that gap — one independent fiduciary, exploring every available avenue, working for you first. When you call, you get me. When you meet, you meet me. There's no hand-off to a junior associate, ever.

Registered Investment Adviser Representative (CRD# 7660572) · FINRA Series 3, 7, 9, 10, 63 & 66 exams · Utah life, health & P&C insurance licenses · Based in Layton, serving the Wasatch Front and Park City

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Who We Serve

Forward-Thinking Clients

Kimberlite is built for ambitious, growth-oriented individuals and families who take a long-term view of wealth — and want guidance they can trust as the financial world evolves.

Tech Professionals Business Owners High-Income Families Crypto-Curious Investors Long-Term Planners Young Professionals

Ready to Start?

Start with a free introductory conversation.

We'll learn about your goals, answer your questions, and determine whether we're a good fit — no pressure, no commitment.

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