The Prudent Planner
Whether your focus is on growing wealth over time, or turning your lifetime of savings into predictable income that won’t run out, our job is to help you identify the goals you value most, and present you with a range of possibilities, including before / after comparisons, so you can see which financial decisions most improve your outcome. With quality financial planning from The Prudent Planner, you won’t have to wonder if you are doing the right thing, you’ll know.
We believe controlling costs is an important part of building and preserving wealth. We are mindful of our fees and committed to being transparent and fair. As an independent firm, The Prudent Planner is not affiliated with a large wall street firm, big bank or insurance company, which eliminates costly overhead, marketing, sales and shareholder expenses. We pass this savings on to you in the form of lower fees.
John Diehl, CFP® | Owner
A Certified Financial Planner™ professional, John established The Prudent Planner in 2016, after 16 years of experience providing investment and retirement advice to clients of Fidelity, USAA and Bank of America. Always an advocate for transparency and fairness in the financial services industry, John also works as a Financial Institutions Examiner for the State of Utah. John has an M.B.A. from The George Washington University in Washington, DC. He lives with his family in Utah.
Asset Dedication | Income Portfolios
Transforming your 401k / IRA into predictable income is serious business, with no room for mistakes. Asset Dedication builds portfolios, per our specifications, that use individual fixed-income vehicles (CDs, treasury, corporate, and municipal bonds), along with and mutual funds, ETFs and cash equivalents to their highest and best use, accomplishing Principal Protection + Predictable Income + Growth Potential. Founded in 2002, and managing over $600 million in income portfolios, Asset Dedication is an industry leader when it comes to designing pension-like portfolios that deliver predictable income. Portfolio management fee from 50 basis points (1/2 percent).
Betterment | Growth Portfolios
Our job as financial planners is to help you identify – and achieve – your lifetime goals. When it comes to building portfolios for long-term goals, we choose Betterment. Betterment’s technology allows us to build tax-efficient, low cost, passive, index portfolios with active-rebalancing, that seek higher after-tax returns, helping to simplify the investment process, and leaving more time for us to focus on you, our clients. Betterment was founded in 2008 and manages more than $8 billion in assets. Portfolio management fee from 50 basis points (1/2 percent).