Choules Financial

06/22/2026

If you're an Intermountain Health employee, recent pension changes may have created more questions than answers.

Is the lump sum option the right choice?

How do you replace the income you were counting on?

Will these changes affect your retirement timeline?

What happens if you do nothing?

The reality is that a pension is often one of the largest pieces of a retirement plan. When the rules change, it's important to understand how those changes impact your future.

That's why we're offering a Complimentary Pension Review for Intermountain Health employees and retirees. We'll help you understand your options, evaluate the impact on your retirement plan, and build a strategy designed around your goals.

Don't leave one of your biggest retirement decisions to chance. Get the answers you need and the confidence to move forward.

Visit ChoulesFinancial.com to request your Complimentary Pension Review.

Welcome to Choules Financial where you'll receive expert guidance from your trusted partners committed to your financial success.

06/19/2026

Market volatility can have a major impact on your retirement plan and, ultimately, your probability of success.

In plain English, that means one thing: will your money last as long as you do?

That's why strategic planning matters. At Choules Financial, we believe retirement planning is about much more than managing a portfolio. It's about understanding how your investments support your income and the lifestyle you've worked so hard to build.

After all, most people didn't spend decades saving money just to watch account balances go up and down. They saved to create freedom, confidence, and the ability to enjoy retirement. The goal is making sure your investments are working together to support your income, reduce uncertainty, and help address one of retirees' biggest concerns: outliving their money.

06/12/2026

Recent changes to the Intermountain Health pension plan have left many employees and retirees with important questions about their retirement future.

If you're wondering how these changes could impact your income, benefits, or long-term retirement strategy, you're not alone.

That's why we're offering a Complimentary Retirement Analysis for Intermountain Health employees and retirees. We'll help you understand your options, identify potential opportunities, and create a clear plan so you can move forward with confidence.

Visit ChoulesFinancial.com to learn more.

Welcome to Choules Financial where you'll receive expert guidance from your trusted partners committed to your financial success.

06/05/2026

Retirement planning isn't just about growing your investments. It's about making sure those investments can reliably support your lifestyle.

Your portfolio becomes the fuel that powers your retirement income, helping you do the things you love with the people you love.

As you transition from saving for retirement to living in retirement, the focus shifts. It's no longer just about how much your investments can grow, it's about how well they can support the income you need to live your version of a Life of YES.

06/01/2026

One of the most important parts of retirement tax planning is understanding that if you simply follow the default path the IRS gives you, you’ll often end up paying more in taxes than necessary.

That’s why having a proactive tax strategy matters.

05/25/2026

This Memorial Day, we pause to remember and honor the brave men and women who made the ultimate sacrifice in service to our country.

We also want to extend our heartfelt gratitude to the veterans, military families, and clients within the Choules Financial family whose service and sacrifice continue to inspire us every day.

As we spend time with family and loved ones this weekend, we reflect on the courage, dedication, and selflessness that have made so many of our freedoms possible.

From all of us at Choules Financial, we wish you a meaningful and peaceful Memorial Day.

05/22/2026

One of the biggest things we’ve learned after meeting with thousands of families is this: most people don’t lack savings, they lack a clear retirement income plan.

They’ve worked hard. They’ve saved diligently. But they still don’t feel confident retiring because they’re unsure where their income will come from, how long it will last, or whether their plan can truly support the life they want to live.

That’s why we believe confidence in retirement doesn’t come from hope alone. It comes from having a written plan that helps turn uncertainty into clarity, and gives you the ability to retire on your terms.

05/20/2026

“Living a Life of YES” was born from a simple idea: even when life feels complicated or uncertain, the right plan can create freedom, confidence, and opportunity.

For some people, that YES is finally taking the bucket list trip they’ve talked about for years. For others, it’s the ability to enjoy a night out without worrying about every dollar spent.

But at the end of the day, we believe the greatest YES moments are much simpler than money. They’re the moments spent doing the things you love with the people you love.

05/13/2026

One of the biggest mistakes we see with Roth conversions is people thinking it’s an “all or nothing” decision.

A good tax strategy isn’t about converting everything overnight.

- How much can you convert without jumping into a higher tax bracket?
- How could it impact Medicare premiums or future RMDs?
- What creates the best long-term outcome for you and your family?

That’s where proactive planning matters.

A well-designed Roth conversion strategy can help reduce future taxes, create more flexibility in retirement, and potentially leave more behind for the people you love, but it needs to be coordinated carefully.

05/07/2026

It’s not uncommon to have a portfolio… but no real plan for how it supports your life.

When income, taxes, and healthcare aren’t coordinated, small decisions can create bigger consequences. A well-built retirement plan connects all the pieces so they work together, not against each other.