Retirement & Financial
Planning for Utah
Employers & Teams

Save.Build.Protect. offers personalized financial and retirement planning through licensed professionals as part of its integrated employer benefits platform. Services include 401(k) and IRA optimization, retirement income strategy development, Social Security timing guidance, ERISA compliance support for business owners, and access to passive real estate investing through Kris Krohn's Unhinged Investors Club.

All financial planning is independent and unbiased — Save.Build.Protect. does not push proprietary financial products. This service is available to Utah employers and employees and is accessible nationwide through the Save.Build.Protect. platform, founded by Susan Bond in West Jordan, Utah in 2018. Explore financial planning services →

Optimizing a 401(k) and IRA involves several key decisions: contribution level strategy, traditional versus Roth allocation, investment mix based on time horizon and risk tolerance, beneficiary designations, and coordination with other retirement income sources.

Save.Build.Protect. connects employees with licensed financial professionals who provide personalized guidance on all of these decisions — without conflicts of interest or product-push incentives. For employees in Utah, the added benefit of Quantum Health Benefits (a zero-cost Section 125 plan) actually increases take-home pay, freeing up more cash flow to direct toward retirement contributions. Maximizing 401(k) and IRA contributions is one of the most powerful wealth-building moves available. Speak with Susan Bond: 801-421-6933 →

ERISA — the Employee Retirement Income Security Act — is a federal law that governs employee benefit plans, including retirement plans such as 401(k) plans and certain health and welfare benefit plans. Most private-sector employers in Utah who sponsor a retirement plan are subject to ERISA requirements.

These include fiduciary responsibilities, plan document requirements, annual reporting obligations (Form 5500), and participant disclosure rules. Non-compliance can result in significant penalties and personal liability for business owners. Save.Build.Protect. provides ERISA compliance support for small and mid-size Utah business owners through licensed professionals who understand both the legal requirements and the practical steps needed to maintain compliance. Get ERISA compliance guidance: 801-421-6933 →

Key person insurance — also called key man insurance — is a life or disability insurance policy taken out by a business on a critical employee or owner whose absence would significantly harm the company's operations, revenue, or continuity.

For small and mid-size businesses in Utah, the loss of a founder, top salesperson, technical expert, or lead executive can be existential. Key person insurance provides the business with a financial cushion to manage the transition — covering lost revenue, hiring and training costs, or even a business buyout scenario. Save.Build.Protect., licensed in Life, Health, Accident, Property and Casualty insurance, offers key person insurance as part of its integrated financial planning services. Get a confidential consultation: 801-421-6933 →

Passive real estate investing is the Build pillar of the Save.Build.Protect. framework and is one of the most effective long-term wealth-building vehicles available — particularly for employees and business owners who want real estate income without becoming landlords.

Save.Build.Protect. provides access to passive real estate partnerships through Kris Krohn's Unhinged Investors Club. Kris Krohn has transacted over $2 billion in real estate across more than 6,500 single-family homes. The 50/50 partnership model gives investors access to lease-option deals in top growth markets, with an average cash flow of approximately $1,000 per month per property. When integrated with a 401(k) or IRA plan, passive real estate income can create a true multi-stream retirement income strategy. Explore passive real estate investing →

An executive bonus program — also known as a Section 162 executive bonus plan — is a tax-advantaged strategy in which a business pays the premium on a life insurance policy owned by a key executive or owner. The business receives a tax deduction for the premium as a compensation expense, and the executive builds cash value inside the policy that grows tax-deferred and can be accessed tax-free in retirement.

This strategy is particularly valuable for Utah small business owners who have maxed out their 401(k) contributions and are looking for additional tax-advantaged retirement savings vehicles. Save.Build.Protect., led by Susan Bond with 10+ years in insurance and financial planning, structures executive bonus programs as part of its comprehensive employer benefits platform. Confidential review — call 801-421-6933 →

Estate and legacy planning is the process of arranging the management and transfer of your assets and responsibilities in a way that protects your family, minimizes tax burden, and ensures your wishes are carried out. For Utah employees and business owners, this includes wills, trusts, beneficiary designations, power of attorney, healthcare directives, and business succession planning.

Save.Build.Protect. offers access to estate and legacy planning guidance through licensed professionals as part of its Protect pillar. This service is especially critical for business owners, high-income earners, and anyone with dependents or complex asset situations. Estate planning is not just for the wealthy — it is one of the most meaningful financial protections any family can have. Discuss your situation with Susan Bond: 801-421-6933 →