Kaysville · Farmington · Syracuse · Clearfield · Bountiful

Financial Advisor in Davis County, Utah

Fiduciary planning for Davis County families — from a solo advisor based in Layton, not a branch office. Written plan first. Published fees. You approve every trade.

Ryan Hammett, fiduciary financial advisor serving Davis County from Layton, Utah
County Money, Family Shaped

What Davis County Families Are Actually Juggling

Davis County does everything at once. The mortgage and the minivan. The 401(k) from a Salt Lake commute and the side business run from the garage. College accounts for three kids and a retirement date that keeps moving. It's not that families here lack money discipline — it's that nobody has ever put the whole picture on one page.

That one page is the job. I'm Ryan Hammett, an independent fiduciary based in Layton — which means every client in this county is a short drive, not a territory on a regional manager's map. One advisor, start to finish. When you call, you get me.

The work usually starts the same way: we find everything — the old 401(k)s, the my529 accounts, the insurance policies bought at a kitchen table years ago — and then build a written plan that gives every dollar a job. Only then do we talk about investments, and even then, nothing trades without your approval.

City by City

One County, Different Conversations

Kaysville & Farmington

Established households with equity and options — refinance-or-invest math, my529 college funding for multiple kids, and the first real estate-planning conversations.

Syracuse, Clearfield & Clinton

Fast-growing west-county neighborhoods, young balance sheets, and plenty of Hill AFB paychecks — the Layton & Hill AFB page covers TSP and federal benefits in depth.

Bountiful & Centerville

South-county commuters at the sandwich-generation stage: your own retirement on one side, aging parents on the other, and a plan that has to hold both.

Small business owners

Solo 401(k) versus SEP-IRA, uneven income, and the discipline of paying yourself first when the business always wants the money more.

College funding, done in order

Utah's my529 is one of the best-rated 529 plans in the country. We use it in the right order — after retirement funding, not instead of it. Your kids can borrow for school; you cannot borrow for retirement.

Protection, coordinated — never sold inside the plan

Life and disability coverage sized to the plan, offered separately through Kimberlite Insurance Services, and never a prerequisite for advice.

The Order of Operations

A Davis County Family Plan, In the Right Sequence

Most family financial stress isn't a product problem; it's a sequencing problem. Emergency fund before investing. Employer match before extra mortgage payments. Retirement funding before college accounts — an order that feels wrong to good parents and is still correct. Insurance sized to actual need, not to what a commission pays best.

A written plan settles the sequence once, in plain English, and then every future decision gets easier because it has something to answer to. That's the document we build first, before any investment conversation. It's also why the intro call is free and the fees are published: you should know exactly what advice costs before you take any of it.

An Honest Checklist

May Fit — Probably Doesn't

This may fit if: your family finances have too many moving parts to hold in your head; you want one written plan covering retirement, college, house, and protection; and you want an advisor who asks permission, not forgiveness — every trade, every time.

It probably doesn't fit if: you want someone to take the wheel entirely and never call you — my management is non-discretionary on purpose; or you're purely price-shopping for the cheapest possible index fund babysitter. A robo-advisor does that well, and I'll tell you so.

Where I Meet Clients

Across Davis County

Based in Layton — in person anywhere in the county, or by video around practices, ball games, and bedtimes.

Layton Kaysville Farmington Syracuse Clearfield Clinton Centerville Bountiful North Salt Lake Fruit Heights West Point Woods Cross
Common Questions

Davis County FAQ

Is there an account minimum to work with you?

There's no headline minimum — but there is an honesty threshold. If your situation is simple enough that a target-date fund covers it, paying for ongoing management would be a waste of your money, and I'll say so on the intro call. Hourly and flat-fee planning exist precisely for families who need a plan more than they need a manager.

Should we fund my529 college accounts or retirement first?

Retirement first, almost always — your kids can borrow for college, but nobody lends for retirement. Utah's my529 is an excellent, top-rated plan and a real state tax benefit for Utah residents; the plan just has to fund it in the right order. This is exactly the kind of sequencing a written plan settles.

We have accounts scattered everywhere. Where do we even start?

With an inventory. Old 401(k)s, IRAs, HSAs, 529s, insurance policies — we find all of it first. Consolidation is decided case by case, honestly: sometimes an old 401(k) is worth keeping, and I'll tell you when it is.

Do you sell insurance?

Insurance is offered separately through Kimberlite Insurance Services LLC, and it is never a condition of advisory work. The plan determines the coverage need; you decide where to fill it — including somewhere else. The two roles stay in separate lanes, disclosed in writing.

Which Davis County cities do you serve in person?

All of them — from North Salt Lake to West Point, the whole county is a short drive from Layton. Video works anywhere in Utah when schedules are tight, which, for families here, is usually.

Put the Whole Picture on One Page

A complimentary 30-minute conversation about your family's goals — and an honest answer about whether we're a fit. No pressure, no product pitch.

Schedule Your Intro Call