Financial Advisor in Ogden, UT | Kimberlite Financial

Ryan Hammett, fiduciary financial advisor serving Ogden and Weber County from nearby Layton, Utah

Fifteen Minutes Down the Freeway

An Independent Fiduciary for Ogden

Ogden isn't a suburb of anywhere. It has its own economy — a large federal workforce, a growing university, an outdoor-recreation industry that draws people who work to live, and a Main Street of small businesses that have been here for generations. It deserves advice that understands that, not a script written for a Salt Lake commuter.

I'm Ryan Hammett, an independent fiduciary based in Layton, fifteen minutes south. Independent matters here: I'm not a branch of a national firm with a product shelf to clear. One advisor, a written plan, and a legal duty to put your interests first — explained in plain English, with every fee published before you commit to anything.

We can meet in person in Ogden or the surrounding towns, or work entirely over video if your schedule runs on shift work or seasons. Either way, the standard is the same.

The IRS Campus & Federal Workforce

FERS, the TSP, and a Pension Worth Planning Around

Ogden is a federal town. The IRS campus alone anchors thousands of jobs, and with them comes a retirement system most local advisors barely touch: the Federal Employees Retirement System. FERS is three moving parts — a pension, the Thrift Savings Plan, and Social Security — and the retirement date that maximizes one can quietly damage another.

The decisions are specific and mostly permanent. When you claim the FERS pension, and whether you've hit the years-of-service and age thresholds that change the math. How to allocate the TSP — a genuinely excellent, low-cost plan that people still leave sitting in the G Fund for a decade. The FERS supplement, survivor elections, and how Social Security timing threads through all of it. None of this is guesswork; it's arithmetic that rewards planning years ahead of the date.

I don't take custody of your TSP or your pension — you keep control, and that's the point. What I do is build the written plan around them, so three federal systems finally work as one. Education first. It's a conversation, not a pitch.

Who This Is For

Situations I Work With in Weber County

Federal employees (IRS & agencies)

FERS pension timing, TSP allocation and Roth strategy, the FERS supplement, and survivor elections — planned together, well before retirement.

Weber State faculty & staff

403(b) and 401(a) plan choices, provider and fund selection, and coordinating a university retirement plan with everything outside it.

Small business owners

Solo 401(k) versus SEP-IRA, paying yourself first through uneven income, and beginning to separate the business's value from your own retirement.

Outdoor-industry & seasonal earners

Income that arrives in waves needs a plan built for waves — cash-flow buffers, off-season funding, and investing that doesn't panic when the season turns.

Families with old 401(k)s

Accounts left behind at past employers, found and given a job — consolidated only when consolidation actually serves you, not the advisor.

The crypto-curious

Education-first digital-asset guidance through regulated exchange-traded products — no private keys, ever — and only if it fits your plan.

Kimberlite Financial Services is an independent registered investment adviser and is not affiliated with, endorsed by, or sponsored by the IRS, Weber State University, the Thrift Savings Plan, or any government agency or employer. Your TSP and pension stay where they are — I provide advice and planning; you keep control.

An Honest Checklist

Kimberlite May Fit If — and Probably Doesn't If

This may fit if: you want a written plan before any product conversation; you have a federal or university retirement system that deserves real analysis; you want to approve every trade rather than find them on a statement; and you'd rather hear an honest recommendation than a sales pitch.

It probably doesn't fit if: you want rapid trading to beat the market; you want to hand it all off and never talk again — my management is non-discretionary by design; or your situation is simple enough that a low-cost target-date fund honestly covers it. If that's you, I'll tell you on the call.

Fees are published to the dollar on the pricing page — asset-based management, hourly consulting at $275, or flat-fee planning — billed only in arrears, never in advance.

Where I Meet Clients

Across Weber County

Based in Layton, a short drive south — in person across Ogden and Weber County, or by video anywhere in Utah, by appointment.

Ogden North Ogden South Ogden Roy Riverdale Pleasant View Farr West Huntsville & Eden

Just south? See the Davis County and Layton & Hill AFB pages.

Common Questions

Ogden & Weber County FAQ

Do you specialize in FERS and federal retirement planning?

Federal retirement is a core part of the planning work I do — FERS pension timing, TSP strategy, the supplement, and survivor elections. Kimberlite is independent and unaffiliated with any agency; the analysis answers to a fiduciary duty to you, and your TSP and pension stay under your control.

You're in Layton, not Ogden. Does that matter?

Not really — Ogden is about fifteen minutes up I-15, and I meet clients across Weber County in person. For quarterly reviews, most clients prefer video anyway. You get a nearby advisor without paying for a downtown office you'd never visit.

What does a financial advisor in Ogden cost?

Every fee is published on the pricing page: asset-based investment management starting at 1.50% per year and stepping down in tiers, hourly consulting at a flat $275, and fixed-fee planning. Billing is quarterly in arrears — never in advance.

My income is seasonal. Can planning even work?

It works better, not worse — irregular income is exactly what a plan is for. We build cash-flow buffers for the slow months, fund investing from the strong ones, and keep the strategy steady enough that a soft season doesn't force a bad decision.

Do you work with Weber State employees?

Yes. University 403(b) and 401(a) plans have real choices — provider, funds, and how the plan coordinates with IRAs and a spouse's accounts. Kimberlite is independent and not affiliated with or endorsed by Weber State University.

Start With a Conversation in Ogden

A complimentary 30-minute intro call — your goals, your questions, and an honest answer about whether we fit. No pressure, no pitch.

Schedule Your Intro Call

Financial Advisor in Ogden, Utah