About us
Independent planning you can actually talk to
Utah Retirement Income is an independent insurance and retirement-planning practice led by Brian Penner, serving families across Utah — from Salt Lake City and Provo to St. George, Moab, and rural communities statewide. We help families plan for the costs that most threaten a retirement — long-term care — while coordinating Social Security, lifetime income, and legacy planning around it.
Because we're independent, we don't work for any one company. We work for you: helping you understand long-term care costs in Utah, the trade-offs of when to claim Social Security, and how to turn savings into income you can't outlive — in plain English, with no pressure.
Why Utah families work with us
- Independent — we compare options across companies, not a single product line.
- Education first — we explain every option so you decide with confidence.
- Statewide — we serve all of Utah, mostly by phone and video, in-person where helpful.
- Data-driven — we use real Utah cost-of-care and federal data, with sources you can check.
Utah Retirement Income is a licensed independent insurance agency (NPN 16493717). Not connected with or endorsed by any government agency. Educational only — not financial, tax, or legal advice. Insurance and annuity guarantees are subject to the claims-paying ability of the issuing company.