Scott Simpson, CFP®
Financial Planner & Retirement Income Specialist
Most successful professionals I've worked with don't have a "savings" problem, they have a complexity problem. Whether you are a Utah Public Employee navigating the nuances of the URS or a high-performing professional, or entrepreneur, you have spent decades building the "what." I help you master the "how"
With over 10 years of experience, I serve as a Retirement Navigator specializing in Retirement Income Planning. I aim to bridge the gap between complex decisions (like pension options, Roth conversions, health insurance, and Social Security timing) to create a tax-efficient, life-lasting income plan that fulfills your personal goals.
Because I am ADHD-informed (and navigate the world with ADHD myself), I prioritize visual clarity over 80-page reports. My mission is to cut through the noise and decision paralysis to turn fragmented accounts and finances into a clear, visual roadmap that answers your most urgent question: "Am I going to be okay?".
How I Help You Navigate the Transition:
Integrated URS Strategy: I master the coordination of your pension, 401(k), and 457(b) to ensure your Utah state benefits are working in sync with your personal assets
. The F.I.R.E. & Early Retirement Path: For engineers, healthcare specialists, and entrepreneurs, I engineer strategies to help you reach financial independence by age 55 without compromising your family's current lifestyle
. Tax-Forward Income Planning: We optimize your withdrawal sequence and "bucket" your assets to protect your near-term cash flow from market volatility while minimizing your lifetime tax bill
. Proactive Accountability: You shouldn't have to chase your advisor. I initiate the reviews and "stress test" your projections so you can retire with a verified "permission slip" to spend your money
Life Beyond Finance
I believe financial planning should support a life filled with joy and meaningful connection. For me, that starts with my family. I married my best friend, Kara, in 2014 (we actually met in middle school band!), and we’re raising two energetic boys. Our house is a constant whirlwind of Nerf battles, Pokemon Play, and LEGO builds.
When I’m not running retirement income plans, I’m likely:
Relishing "Small Joys": I’m a massive Star Wars fan (I’ve built over 20 LEGO Star Wars ships and helmets) and a happy defender of In-n-Out as the best burger around (a hill I’m willing to die on after working there for three years while in college).
Listening & Learning: Whether it’s a pop-punk playlist for a kitchen dance party or a deep-dive podcast on my way to the office, I’m a lifelong learner. I’m currently pursuing my RICP® (Retirement Income Certified Professional) designation to further deepen my expertise in complex distribution strategies.
Prioritizing Connection: Kara and I make "date night" a weekly non-negotiable, even if it’s just DoorDash and a game of Bananagrams or just catching up on our favorite TV show (right now it's Shrinking on AppleTV).
Discover the Process to Creating the Plan
Curious about how we actually build your 'visual roadmap'? Visit our