Retirement Planning in Davis County and the Salt Lake Valley

We help families retire with clarity, confidence, and purpose — guided by our proprietary Retirement Transition Blueprint

Who We Are

At Thrive Retirement Planning, we guide families through one of life’s biggest transitions — retirement. For decades, you’ve been in accumulation mode: working, saving, and investing. But retirement is different. It’s not just about having enough money — it’s about having a plan for how to use it.

Our philosophy is simple: give every asset a job. That means every dollar you’ve worked for is assigned a clear purpose, whether that’s income, protection, fun, healthcare, growth, or legacy. With the right plan, your retirement years can be your most confident, purposeful years.

Learn About Our Philosophy

The Retirement Transition Blueprint

You only retire once. But the decisions you make at the start of retirement will shape your financial security for the rest of your life.

That’s why we created the Retirement Transition Blueprint — a clear, structured system that helps you move confidently from your working years into retirement.

Built on the Three Bucket System, the Blueprint organizes your money into:

Bucket 1: Monthly cash flow & emergency fund.
Bucket 2: Stability & income for the next 1–10 years.
Bucket 3: Long-term opportunity for growth, tax strategies, healthcare, and legacy.

This approach removes the guesswork and keeps you steady in both up and down markets.

Discover the Retirement Transition Blueprint

Local Expertise

We’re proud to serve families right here in our community. Thrive Retirement Planning works with clients across Davis County and the Salt Lake Valley, including Bountiful, Kaysville, Layton, Farmington, and Centerville.

As a local fiduciary firm, we understand the unique challenges facing Utah retirees — from rising healthcare costs to Social Security timing to tax-efficient withdrawals. We’re here to help you retire with clarity, confidence, and peace of mind.

See Retirement Planning in Davis County

Our Philosophy: Give Every Asset a Job

We believe every asset you’ve worked for should have a clear role to play in retirement. Without purpose, money can sit idle, create confusion, or even cause unnecessary stress. With purpose, money brings confidence, clarity, and freedom.

This simple but powerful approach helps families:

Turn confusion into clarity by knowing what each dollar is doing.
Balance income, protection, growth, and fun.
Build a plan that adapts as life changes.

Explore Give Every Asset a Job

What Our Clients Say

"My relationship with Carl and Thrive Financial has changed my retirement. I now have a complete plan which gives my family stress free stability, safety, flexibility and confidence. The plan is simple and clear but we are completely on track to have a very abundant retirement lifestyle. Carl is knowledgeable, patient, and takes the time to explain everything in a very personable way. You can't go wrong putting your trust and guidance in his and his staff's hands."

Scott M.

Current Client of Thrive Retirement Planning

See more reviews on our Testimonials page

Ready to Retire with Confidence?

Retirement is too important to leave to chance. Let’s create your Retirement Transition Blueprint so you can retire with clarity, confidence, and purpose.

Get Started

Thrive Retirement Planning provides retirement planning in Davis County and the Salt Lake Valley, serving families in Bountiful, Kaysville, Layton, Farmington, and Centerville. Explore our approach through the Give Every Asset a Job, Retirement Transition Blueprint, and Retirement Planning in Davis County pages.