Fiduciary Financial Advisor in Park City, UT

Ryan Hammett, fiduciary financial advisor serving Park City and Summit County, Utah

Where This Career Started

I Know This Town

My first job was behind a jewelry counter at the Park City Outlets. I spent years up here before I ever advised anyone on money, and the lesson from that counter is the one this whole firm is built on: the product almost never sets you apart — the service does. Two people can buy the same portfolio. What they remember is whether anyone actually explained it.

I'm Ryan Hammett, now an independent fiduciary based in Layton, a short drive down the canyon. Park City money is different from the rest of the Wasatch Front, and it needs advice that admits that. Income here is lumpy — real estate commissions, hospitality seasons, business sales, equity events. A plan built for a steady salary quietly fails the person whose best month is twenty times their worst.

In person when you're in town, over video when you're at the second home or traveling — the standard doesn't change with the zip code you're sitting in.

Lumpy Income & Liquidity Events

Planning When the Money Arrives All at Once

The hardest financial planning isn't for people who make a lot — it's for people whose income doesn't arrive on a schedule. A real estate agent's year rides on a handful of closings. A restaurant or lodging owner lives two very different seasons. A founder or executive gets a decade of compensation compressed into a single sale. The wealth is real; the cash flow is a roller coaster, and a plan built for a paycheck falls apart on the first big swing.

Lumpy income needs its own architecture. A cash-flow buffer sized to carry the lean months without forcing a bad decision. A tax plan that anticipates the big year instead of reacting to it every April. When a liquidity event lands — a business sale, a large commission, a vesting cliff — a deliberate strategy for what gets invested, what stays liquid, and what the tax bill will actually be. And underneath all of it, a diversification plan so that selling one property or one business doesn't leave everything you own riding on the next one.

This is judgment work, coordinated with your CPA and attorney, written down and approved trade by trade. It's a conversation, not a pitch — and sometimes the honest advice is simply to hold cash and wait.

Who This Is For

Situations I Work With in Summit County

Real estate professionals

Commission income that swings hard — buffers for the slow stretches, tax planning for the strong years, and paying your own future first.

Hospitality & business owners

Seasonal cash flow, a retirement plan that scales with the business, and beginning to separate the company's value from your own.

Executives & founders

Concentrated equity, a coming liquidity event, and a diversification and tax strategy that turns a one-time windfall into lasting security.

Relocations & second homes

New to Utah, relocating to the fast-growing Heber Valley, or making Park City your primary residence — state tax considerations, residency, and a plan that follows you here cleanly.

Pre-retirees with real assets

Property, business interests, and investment accounts that need to become one coordinated retirement income plan — not three separate piles.

The crypto-curious

Education-first digital-asset guidance through regulated exchange-traded products — no private keys, ever — sized to the plan, never the hype.

An Honest Checklist

Kimberlite May Fit If — and Probably Doesn't If

This may fit if: your income is lumpy and a salary-shaped plan has never quite fit; you have real estate or a business alongside your investments; you've got a liquidity event on the horizon; and you want a fiduciary who coordinates with your CPA and attorney instead of working around them.

It probably doesn't fit if: you want aggressive trading or someone to time the market; you want to hand it all off with no involvement — my management is non-discretionary by design; or you're looking for the cheapest possible index-fund autopilot. A robo does that well, and I'll say so honestly.

Every fee is 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 Summit & Wasatch

Park City and the Heber Valley — Heber City, Midway, and the rest of Wasatch County — in person when you're in town, by video when you're not. By appointment, Monday through Saturday.

Park City Snyderville Kimball Junction Heber City Midway Kamas Summit County Wasatch County

Down the canyon? See Salt Lake City and Layton.

Common Questions

Park City & Summit County FAQ

Do you work with clients who have irregular or seasonal income?

It's one of the things I do most up here. Real estate, hospitality, and business income that arrives in waves needs cash-flow buffers, proactive tax planning for the big years, and an investment strategy steady enough to survive a slow season. Irregular income is a reason to plan, not a reason to skip it.

I have a business sale or liquidity event coming. When should we talk?

Before it closes, ideally — the best planning happens ahead of the event, not after. We coordinate with your CPA and attorney on the tax and structure, then plan what gets invested, what stays liquid, and how to diversify so your security no longer rides on a single asset.

I'm relocating to Park City or the Heber Valley. Can you help me set up here?

Yes — as long as Utah is your state of residence. Kimberlite is registered with the Utah Division of Securities and serves Utah residents. New arrivals get help with residency and state-tax considerations and a plan that transfers here cleanly.

What does a fiduciary advisor in Park City cost?

The full schedule is published on the pricing page: asset-based 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 — and for lumpy income, flat-fee and hourly options often fit better than an asset-based arrangement.

Do we meet in Park City or over video?

Whichever suits your life. I meet clients in person around Park City and Heber, and video covers the stretches when you're at another home or traveling — the quarterly review is the same screen-shared walkthrough either way.

Start With a Conversation

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

Schedule Your Intro Call

Fiduciary Financial Advisor in Park City, Utah