Justin Chidester, CFP®, AFC®

Wealth Mode Financial Planning
270 S Main St Suite 112, Office 5
Bountiful, UT 84010

Website
http://www.wealth-mode.com/

Schedule

About Justin Chidester, CFP®, AFC®

 

  • Started Wealth Mode Financial Planning in 2016, founded in Logan and now based in Bountiful, Utah.

  • Graduated from Utah State University in Family Finance & Personal Financial Planning

  • Married to best friend AnnAlyse, father to a 2-year old daughter

  • Half Japanese (Okinawa - thanks Mom), half red-head (thanks Dad).

About My Clients

HIGH STUDENT LOAN BALANCE PLANNING

I specialize in holistic financial planning for people with high student loans.

If you have $100,000 or more in student loan debt, the most important decision you make is what strategy you will take with your student loans.

My typical client saves thousands of dollars per year loan payments, interest, and taxes.

See how similar you are to my clients:


RSU & STOCK OPTIONS PLANNING

As the Silicon Slopes tech industry movement continues to grow, a large number of workers in Utah find themselves with some form of equity compensation.

These may come in the form of Restricted Stock Units (RSU’s), Restricted Stock, Incentive Stock Options (ISO’s), Nonqualified Stock Options (NSO’s), and Employee Stock Purchase Plans (ESPP’s).

These benefits are a great opportunity to grow your wealth, but you can lose a lot in taxes and be under-diversified in your investment portfolio without proper planning.

let’s get started

I begin all my client relationships with a free intro call, which you can schedule here.

Schedule a Free Intro Call:

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NOTE: Justin is temporarily not taking any new clients until August 2023. However, if you still think we could be a good long-term fit to eventually work together, please email us at team@wealth-mode.com and introduce yourself and a summary of what financial advice you're looking for, and we'll get back to you.

Specialties

  • Professionals with High Student Loans (>$100k)

  • RSU and Stock Options Planning


Services

  • Discovery Session

  • Financial Plan

  • Ongoing Advice + Optional Investment Management


Professional Designations


Memberships & Associations

Contact Justin:

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Our Advisors in the News

Featured
Utah Financial Advisor Network member Justin Chidester featured on Infinite Financial Freedom podcast
Utah Financial Advisor Network member Justin Chidester featured on Infinite Financial Freedom podcast
Supplemental Security Income (SSI): A Primer
Supplemental Security Income (SSI): A Primer

One of the most stressful times of my life was navigating the tangled web of Social Security and Supplemental Security Income for my disabled twin boys.

Now, as a financial advisor specializing in disability and special needs planning, I want to share my experiences to help others through the confusing maze of forms and government administrators.

How to Find a Fee-Only Financial Advisor in Utah
How to Find a Fee-Only Financial Advisor in Utah

If you are looking to hire a fee-only financial advisor in Utah, you’ve come to the right place. Perhaps you’ve been told by a friend or family member that when it comes to financial advisors, “fee-only” is the way to go. Or maybe you’ve seen the terms “fee-only” or “fiduciary” mentioned in the media.

But where do you find these so-called fee-only financial advisors? In order to find a qualified, fee-only financial advisor whose services align with your needs, this is a great place to start.

Thinking Outside the Checkbook: 3 Ways to Support Charities Besides Writing a Check
Thinking Outside the Checkbook: 3 Ways to Support Charities Besides Writing a Check

Utahns are known for being charitably inclined. Utah has the highest percentage of the population that donates time and was tied for first for making charitable donations. Here are three savvy charitable giving ideas* that don’t have to involve your checkbook.

Key Ideas to Real Financial Planning
Key Ideas to Real Financial Planning

I’d like to introduce a few ideas behind what constitutes financial planning - as opposed to generic financial advice - and the benefits that come from it.

15 Utah Companies You Might Be Invested In Without Knowing It
15 Utah Companies You Might Be Invested In Without Knowing It

If you own any mutual funds that track or loosely mirror the S&P 500, the S&P 400 Mid-Cap, or the Russell 2000 index, it’s very possible that some you are partially invested in companies “right down the street” from where you live!

Have you ever wondered what Utah-based companies you might be invested in?

Let’s take a look at 15 publicly traded companies headquartered in Utah that you have a good chance of being invested in, whether you knew it or not.

Interest Rates Keep Dropping. Here’s What Experts Want You to Do

The Fed made an emergency cut in interest rates. Rates are at all all-time low.

So, what’s that mean for you? It affects your mortgage, your credit cards, your savings account and your student loans. Basically, it’s never been cheaper for you to borrow money.

“I’m telling people to take advantage of these rates and refinance their mortgages or their student loans,” says financial advisor Justin Chidester, owner of Wealth Mode Financial Planning in Logan, Utah. “I’m pretty much telling everyone, ‘Just go get a quote. It’s not going to hurt you to do that.’”

Planning Your Retirement in Utah? Here are a Few Things You Need to Know
Planning Your Retirement in Utah? Here are a Few Things You Need to Know

Regardless of its reputation as one of the world’s premiere ski destinations and the fact that it is home to five national parks, most people don’t associate the state of Utah with retirement. Yet many retirees are discovering just what it means to live a “Life Elevated” in the intermountain west.

Should you really do nothing amid market volatility? It depends on whether you’re 27 or 63
Should you really do nothing amid market volatility? It depends on whether you’re 27 or 63

If you’re a young investor, your rate of return typically matters less than your savings rate, said James Sweeney, a CFP and founder of Switchpoint Financial Planning in Lehi, Utah.

He provided an example: If you’re 30 with $20,000 invested, whether you earn a 10% or a 5% return will only result in a difference of around $1,000. Continue reading at CNBC

How to Find a Financial Advisor if You're Not Rich
How to Find a Financial Advisor if You're Not Rich

"I would strongly encourage true middle-income people to look (at Afcpe.org) for an accredited financial counselor," says Justin Chidester, who is both an accredited financial counselor and a certified financial planner – as well as the owner of Wealth Mode Financial Planning in Logan, Utah. Continue reading at US News and World Report

 

Get matched with a fee-only financial advisor in Utah you can trust: