Utah Retirement Planning
Michael S. Deraedt & Associates
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Michael S. Deraedt & Associates is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Michael Deraedt
Co-Founder
After serving a two-year tour of duty in the U.S. Army as a Combat Engineer (Airborne), Mike graduated with a Bachelor of Science Degree from the University of Utah in 1974.
Then, following a fifteen-year career in the Aerospace Industry as a Test Engineer and Quality Assurance Manager, Mike began his practice in the finance and insurance industry.
Mike is a member of the National Association of Insurance and Financial Advisors (“NAIFA”), wherein he has served as Secretary and Treasurer, and he is also a Licensed Underwriter Training Council Fellow (“LUTCF”).
Mike’s current primary focus is twofold:
Solving the financial puzzle for individuals and families, and…
Succession and key person planning for business owners.
Working in partnership with other financial professionals, Mike utilizes a team approach to design custom strategies to achieve his clients’ goals and objectives.
Mike enjoys assisting “baby boomers” and other retirees in finding the most efficient ways to convert their 401(k) and other retirement plan assets into tax-efficient income which they cannot outlive.
Mike has two adult children, and he resides in Millcreek, Utah. He is an avid cyclist and white-water enthusiast, and he volunteers with the MS Society and Bikes for Kids. Mike has served as a hockey coach for Salt Lake County Recreation, with his love for Hockey originating from his formative years in Michigan.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in November 2025–January 2026
- There are no events scheduled during these dates.
Our Downloads
Legacy and Estate Planning; Understanding the Basics
Estate planning is an important part of retirement planning. You’ve worked hard for your money and want to see your children and grandchildren benefit, and you probably want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires who need to have solid estate plans; it’s anyone who wants their wishes to be honored after their passing.
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
