Retirement Checkup

Helping individuals, families and business owners plan with more confidence.

Personal financial planning, wealth management, and business transition guidance designed to help protect what you have built.

  • Business Exit Planning

We help business owners prepare for the day they sell, transition, or step away from their company. The goal is to create a clear plan that protects business value and supports what comes next.

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Helping You Plan with More Confidence

George Gadzik helps individuals, families, and business owners make sense of important financial decisions. His planning approach is designed to simplify complex needs, protect what you have built, and support your long-term goals.

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George Gadzik - Image of George Gadzik standing in his office holding a tablet computer in his hands

A Stronger Foundation
for Your Financial Future

Create a plan that helps protect your income, your savings, and your family’s long-term goals.

George helps you review lower-risk options that may provide more stability during changing markets. The goal is to make your financial plan easier to understand and better prepared for the future.

Retirement Income Planning

We help you review annuities as one possible way to create steady retirement income.

The goal is to help cover important living expenses, reduce stress during changing markets, and give you more confidence in your long-term plan.

We help you review permanent life insurance as part of your larger family wealth plan.

Life insurance may help provide funds for loved ones, support future wealth transfer needs, and reduce the chance that your family has to sell important assets during a difficult time.

We help you set aside part of your wealth for short-term needs using options such as bonds and money market accounts.

These reserves can help provide stability, support your cash flow, and reduce the need to sell long-term investments during market changes.

Planning Framework

The Gadzik Planning Model

A clear planning approach designed to help protect your wealth, support your income needs, and prepare for your family’s future.

Tax-Smart Withdrawal Planning

We help you plan which accounts to use, when to use them, and how withdrawals may affect your taxes.

This may include reviewing Roth, Traditional, and taxable accounts so your income plan is easier to understand and better aligned with your long-term family goals.

Steady Retirement Income Planning

We help you plan for the income you need to cover important living expenses.

This may include reviewing tools like annuities, when appropriate, to help create more predictable income and reduce the need to rely on market timing for everyday needs.

Family Legacy Protection

We help you plan how wealth may pass to the next generation in a clear and organized way.

This may include reviewing life insurance and other planning tools that can help provide funds for family needs, support wealth transfer, and reduce confusion during important transitions.

Risk Planning & Portfolio Review

We review your portfolio to see how it may handle changing markets and economic conditions.

The goal is to help reduce unnecessary risk, keep your plan balanced, and protect the money that supports your family’s long-term needs.

Planning Life After Business Ownership

We help business owners prepare for the transition from company ownership to personal wealth.

This may include reviewing your business readiness, 401(k) plan, succession options, taxes, retirement income needs, and family goals. The goal is to help you turn what you have built into a clear plan for life after business.

A Plan Designed for Your Life

For Individual Professionals

Clear financial planning for your personal wealth, goals, and future decisions.

For Business Owners
Planning Ahead

We help business owners prepare for selling, passing on, or stepping away from their company with a clear plan for what comes next.

For Families Planning Ahead

We help families plan how wealth can support children, grandchildren, and future generations in a clear and thoughtful way.

Services

Financial Planning That Looks at the Full Picture

Clear guidance to help you plan for retirement, protect what you have built, and make confident decisions for the future.

Retirement Income Planning
We help you create a clear plan for retirement income, so you know where your money may come from and how it can support your lifestyle.This may include reviewing Traditional and Roth IRA rollovers, 401(k) plans, taxes, and withdrawal timing. The goal is to help make your retirement income easier to understand and better prepared for changing markets.
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We help business owners prepare for selling, passing on, or stepping away from their company.This may include setting up new 401(k) plans, reviewing employee benefits, and creating a clear timeline for the transition. The goal is to help protect what you have built and make the handoff easier for your team, family, or future buyer.
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We help families create clear plans for passing wealth to children, grandchildren, and future generations.

This may include tools like UTMA/UGMA accounts and 529 College Savings Plans to support education, future financial needs, and long-term family goals.

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We help you look for ways to reduce the impact of taxes on your financial plan.This may include reviewing IRA contributions, retirement plan withdrawals, and how your investments are organized. The goal is to help you keep more of what you have built while making the plan clear and easy to understand.
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We help you review risks that could affect your family, business, or long-term financial plan.This may include looking at life insurance and annuity options to help provide income, protect loved ones, and support your plan during unexpected life events.
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We offer a complimentary consultation to review your current financial plan and look for areas that may need attention.This may include discussing your IRAs, 401(k)s, taxes, retirement income, and long-term goals. There is no obligation. The goal is to help you better understand where you stand and what steps may make sense next.
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Ready to plan for your family, business, and future?

Schedule a Call

Registered Investment Advisor helping financial advisors build independent practices with compliance support and business infrastructure.

CRD #: 338535 | SEC #: 801-134511

Registered Investment Advisory services provided through Your IA

Contact

1-800-823-0489
support@youria.com
St. George, UT 84770