Provo · Orem · Lehi · American Fork

Financial Advisor in Utah County, Utah

A fiduciary advisor for Utah County — Silicon Slopes tech professionals, growing young families, and BYU and UVU households. Video-first, in person by arrangement. You approve every trade. Fees published, never billed in advance.

Ryan Hammett, fiduciary financial advisor serving Utah County, Utah
The Fastest-Growing Corner of the State

An Advisor Built for How Utah County Earns

Utah County is not a smaller version of Salt Lake. It's one of the fastest-growing counties in the country, and its money moves in three currents at once: the Silicon Slopes tech corridor around Lehi, where a real slice of compensation arrives as equity; young families forming faster here than almost anywhere in America; and two universities, BYU and UVU, anchoring a whole layer of faculty, staff, and new graduates stepping into their first real paychecks.

I'm Ryan Hammett, an independent fiduciary. I'll be straight about geography: my office is up in Layton, so I serve Utah County primarily over video — the same written plan, the same live quarterly reviews, the same trade-by-trade approval — with in-person meetings by arrangement when it's worth the drive. For most of what an advisor actually does, video is genuinely the same experience, and it keeps you from paying for a Provo office you'd never visit.

What doesn't change with distance is the standard: a written plan before any product talk, and nothing traded without your yes.

Silicon Slopes & Lehi

Equity Compensation in the Tech Corridor

The Lehi corridor — Thanksgiving Point out to the Point of the Mountain — runs on a different kind of pay. Restricted stock units that vest on a schedule and are taxed as ordinary income the moment they do, whether or not you sell. An employee stock purchase plan with a discount and a lookback that can be one of the best deals in your whole package, or a tax headache, depending on how it's handled. Options with a clock and a trap attached.

The quiet risk underneath all of it is concentration. It feels great to watch your employer's stock climb, and great is not a plan. When one company is your salary, your bonus, and half your net worth, a deliberate diversification and sell-schedule strategy — coordinated with your CPA on the tax side — is how paper wealth becomes a life that doesn't depend on one ticker staying up. That's planning work, written down and approved trade by trade. It's a conversation, not a pitch.

Work in the Salt Lake Valley instead of the Lehi corridor? The Salt Lake City page covers valley equity comp.

Who This Is For

Situations I Work With in Utah County

Silicon Slopes tech professionals

RSU vesting strategy, ESPP optimization, option timing, and diversifying out of concentrated employer stock without ignoring the tax bill.

Young, growing families

The county forms families fast. First house, my529 college funding, right-sized life insurance, and still investing for retirement — sequenced honestly, not by product priority.

BYU & UVU faculty and staff

University 403(b) and 401(a) plans have real choices — provider, funds, and how the plan coordinates with IRAs and a spouse's accounts.

New graduates earning real money

The first professional paycheck sets habits for decades. Roth versus traditional, employer match, student loans, and a plan that starts simple and grows with you.

Business owners & founders

Solo 401(k) versus SEP-IRA, uneven income, separating the company's value from your own retirement, and planning toward a future liquidity event.

The crypto-curious

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

Kimberlite Financial Services is an independent registered investment adviser and is not affiliated with, endorsed by, or sponsored by Brigham Young University, Utah Valley University, or any employer named on this page. Advice answers to a fiduciary duty to you.

The Order of Operations

For Young Families, Sequence Is Everything

Most family money stress isn't a product problem; it's a sequencing problem, and Utah County has more young families than almost anywhere to feel it. 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, because your kids can borrow for school and nobody lends for retirement.

Utah's my529 is one of the best-rated college plans in the country and a real state tax benefit for residents — used in the right order, after the retirement foundation, not instead of it. A written plan settles the sequence once, in plain English, so every decision after it gets easier.

An Honest Checklist

May Fit — Probably Doesn't

This may fit if: a chunk of your pay is equity you're unsure how to handle; your young family has outgrown a questionnaire; you want a fee-based fiduciary with no product to push; and you want to approve every trade.

It probably doesn't fit if: you want stock-picking or market-timing; you want a discretionary manager who trades without asking — mine is non-discretionary on purpose; or your situation is simple enough that a target-date fund honestly covers it. If so, I'll tell you on the call.

Every fee is on the pricing page — management, hourly at $275, or flat-fee planning — billed in arrears.

Where I Serve

Across Utah County — Video-First

Video-first from Layton, Monday through Saturday by appointment, with in-person by arrangement when it's worth the drive.

Provo Orem Lehi American Fork Pleasant Grove Lindon Springville Spanish Fork Saratoga Springs Eagle Mountain Silicon Slopes
Common Questions

Utah County FAQ

You're in Layton, not Provo. How does that work?

Honestly — over video, and it works well. Most of what an advisor does, from the initial plan to quarterly reviews, happens screen-shared on a call where you're looking at the same report I am. In-person meetings in Utah County happen by arrangement. You get a fiduciary without paying for a downtown Provo office you'd rarely set foot in.

Do you help Silicon Slopes employees with RSUs and stock options?

Yes — it's core work here. We build a vesting and sell-schedule strategy, use the ESPP well, plan option-exercise timing, and reduce concentration in employer stock deliberately, with an eye on taxes and in coordination with your CPA. I advise; you approve every trade.

We're a young family just getting started. Are we too small to work with an advisor?

Not too small — but if a target-date fund honestly covers your situation, I'll say so and save you the fee. When there's real sequencing to sort out — retirement versus my529, first home, insurance, competing goals — hourly ($275) or flat-fee planning gives you a plan without ongoing management. You grow into the rest.

Do you work with BYU and UVU employees?

Yes. University 403(b) and 401(a) plans have real choices — provider, funds, and how the plan coordinates with everything outside it. Kimberlite is independent and is not affiliated with or endorsed by BYU or UVU.

What does a financial advisor in Utah County cost?

Every fee 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.

Start With a Conversation

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

Schedule Your Intro Call