Services

^{Our Services} Our Comprehensive Solutions

Money questions rarely arrive in a tidy order. A job change, a business offer, a child heading to college, or a retirement date that suddenly looks closer than it did last year each raise a different set of decisions. Our starting point stays the same regardless of which one brought you here. We listen first, then advise. Once we understand what you want the next stretch of your life to look like, we can work backward toward the numbers that would make it possible, and then build the specific strategies that move you in that direction. You should be able to explain that strategy back to us when we are done, since a plan you do not understand is one you will not follow.

^{Financial Planning}

Ask someone what they want out of the next twenty years and you usually get a picture rather than a number. Ron Hunt and Jon Groberg spend the first meeting drawing that picture out, asking questions rather than offering recommendations. From there we translate the answer into dollars and cents so you can see what your goals require of you, whether that means adjusting how much you save, moving a timeline, or reordering priorities. A well constructed plan then becomes the reference point for every decision that follows, including how your money gets invested.

^{Business Owner Guidance}

Running a company means carrying two balance sheets, one for the business and one for the household, and the two are usually tangled together. We work through the decisions that connect them, including how to structure a retirement plan for you and your employees, how compensation and equity are arranged, and how to prepare for an eventual sale or handoff. When a large share of net worth sits in a single asset that cannot be sold quickly, that fact shapes how everything else in the plan has to be built.

^{Retirement Planning}

Leaving a career means replacing a paycheck you have counted on for decades with income you assemble yourself. We map out which accounts to draw from and in what order, how the timing of Social Security changes the total you collect over a lifetime, and how your tax picture shifts once earned income disappears. A good portion of the people we work with are five to ten years out from that date, which is when adjustments still have room to compound. Others come to us during the first year or two of retirement, when the questions turn practical.

^{Estate & Legacy Planning}

One thing our longtime clients bring up often is knowing that if something happened to a spouse, the survivor would only need to make a single phone call. Getting a family to that point takes preparation well before it is needed. We organize beneficiary designations, account titling, and the documents your attorney drafts so assets pass the way you intend, and we sit down with adult children when families want the next generation included. Giving fits here as well, since gifts made during your lifetime can support the causes you care about and address taxes at the same time.

^{PORTFOLIO Management}

Buying investments without a plan behind them leaves you holding a collection of positions and no way to tell whether you are on track. We treat investment decisions as an expression of what your plan calls for, which means the mix follows from your timeline, your tax situation, and the income you eventually need to produce. How much market risk you carry gets set by what your goals require rather than by a score on a questionnaire. When your circumstances change, the portfolio moves with the plan.

^{Education Strategies}

Tuition has a way of arriving alongside other major expenses, often during the same years when retirement saving carries the most weight. We help families decide how much of the cost to take on, which accounts to use for it, and how those choices affect financial aid and everything else in the plan. Grandparents who want to contribute have options worth understanding too, since who owns the account affects both taxes and aid eligibility.

^FAQFrequently Asked Questions.

That depends entirely on what enough means to you, which is why we ask before we calculate. Two households with identical balances can be in completely different positions, because one wants to spend winters abroad and the other wants to help three grandchildren through school. We start by getting specific about the life you are describing, then run the numbers against it. The figure that comes back is yours rather than a benchmark borrowed from someone else's situation.
A portfolio can post a respectable return and still leave you without an answer to the question you actually care about. Performance tells you how your holdings did. A plan tells you whether you are on track for the retirement date you have in mind, and it gives us something to measure against when markets move or your circumstances shift. Once that reference point exists, most investment decisions become far easier to make.
You will not hear a recommendation in the first meeting. That hour is spent on questions, largely about what you want the next stretch of your life to look like, because we cannot advise on a portfolio before understanding what it needs to accomplish. Some people find that unfamiliar if their previous experience began with a product presentation. It is the sequence we have followed for twenty years, and the reason our clients can explain their own plans without reaching for a folder. Making things clear is what our name refers to.
Ron Hunt and Jon Groberg have worked together since 2005, and they built Clear Pointe Wealth Management to keep that continuity in place. Everyone here operates out of one office in Farmington, and we have no plans to expand beyond it. The practical result is that the person who asks about your goals in a first meeting is the same person reviewing your plan a decade later, without a handoff to someone who has to start from scratch.
Utah is where our office is, though our clients are spread across the country. Plans live in documents and conversations rather than in a filing cabinet down the street, so distance rarely affects the substance of the work. Clients who relocate for a job, follow children to another state, or retire somewhere warmer generally stay with us, and reviews happen by phone or video when travel does not make sense.
Five to ten years out from retirement tends to be the window where adjustments still have time to compound, and that is when a good share of our clients first come in. Earlier than that is fine, since decisions made in your forties about saving rates and account types carry real weight later. We also take on people already a year or two into retirement, when the questions turn to income, withdrawals, and taxes rather than accumulation.

Start With
A Conversation

Bring whatever question has been sitting in the back of your mind, whether it concerns a retirement date, a business offer, or tuition arriving sooner than expected. The first meeting costs you an hour and gives us the information we need to tell you where you stand.

Schedule A Consultation

Services

Our Services Our Comprehensive Solutions

Financial Planning

Business Owner Guidance

Retirement Planning

Estate & Legacy Planning

PORTFOLIO Management

Education Strategies

FAQ Frequently Asked Questions.

Start With A Conversation