Refined Wealth Management

Refined Wealth Management

Refined Wealth Management opened in Salt Lake City in 2013, founded by financial advisors including Ryan Larsen and Matt Williams. The firm operates as a registered investment advisor and fiduciary, serving individuals, high-net-worth families, and businesses. Its core promise is comprehensive planning — financial, tax, estate, and retirement income strategies — bundled with in-house asset management. The firm rejects mutual funds entirely. Client capital is allocated via internally built models that hold individual stocks, bonds, and ETFs, managed with a top-down tactical overlay. The team emphasizes risk-adjusted returns and sector rotation based on current economic conditions. Refined Wealth Management also structures strategies for concentrated employer-stock positions, designing retirement-income paths that legally minimize federal taxation — often in coordination with a client’s existing CPA (per the firm). The practice covers personal, business, and institutional accounts from its single Salt Lake City office. Refined Wealth Management lists four named advisors: Ryan Larsen, Matt Williams, Kyle Woodlief, and Celia Boyle (per firm website). The firm publishes monthly commentary for clients, detailing portfolio positioning and the rationale behind model changes. All investors receive the same execution price on a given trade day. The firm does not disclose total AUM or client count. No satellite offices, affiliated vehicles, or philanthropic entities are publicly identified. Refined Wealth Management is a fiduciary RIA that handles both planning and asset management under one roof. Its structural differentiator is the deliberate absence of third-party fund wrappers — every allocation decision sits with the in-house team. That architecture lends itself to tax-management precision, particularly for clients transitioning large single-stock positions into diversified retirement income.