I’m a fee-only financial planner. Thanks for coming to Wealth Mode!

Starting right financially is so important during the first 10-15 years of your working life when you're graduating, landing your first job, getting married, buying your first home, or starting/growing a family. I know it is. I'm there right now.

our need for financial planning

We need to make smart financial decisions, from early on in our lives, more than any other generation in the past. Our financial lives are just way more complicated than any other generation before us. The financial decisions we make now will affect us for a very long time. 

We have a lot of student loan debt. Most of us don’t have pensions, and if we do, they won't cover us adequately. A lot of people think we're going to have less (or no) Social Security benefits by the time we're retired. We have to invest on our own. We change jobs more frequently in the first 10 years than prior generations did in their entire career. We’re buying homes at a later age than our parents did. We still want to raise families.

Only good financial planning will help you navigate all of that and come out ahead (whether you do it yourself or not).

Our financial lives are difficult, and never stop changing. And yet, we still want to have great experiences, fulfill dreams, and check off bucket-list items. We want our money to help us not only survive, but live a meaningful life.

Several years ago, I decided that I want to navigate my financial life right, and help others do the same.

But as I started to look for a long-term career path in financial planning, it became clear to me that most of the financial advising industry is focused on selling products for commission or working with older, high-net worth people.

Where was the professional financial help for people like me? I had to create it myself. 

I founded my own fee-only financial planning business, to help my peers make the right financial moves from early on so they can live life in Wealth Mode.


After working with a couple hundred people on their finances, I've started noticing some interesting things about how people think and feel about money. Here's what I've observed.

Most people try to "go it alone" and make financial planning a DIY project. But they usually experience some difficulties:

  • You don't know what you don't know, so there could be unknown risks to the way you're handling your financial decisions

  • You have a steady job and save money regularly and think that's enough - but you're unknowingly losing out on opportunities for maximizing the building of your wealth

  • You consider yourself smart or capable enough to learn whatever you need to - but it causes a lot of stress, and takes a lot of time away from family or doing what you love

  • You're complacently and comfortably “getting by” and “having enough”, but never actually checking off bucket list items, living your dreams, or having enough wealth to give to causes that are important to you

"Wealth Mode” is a state of confidently making great financial decisions - without any of the the difficulties above - so that your money is maximized and helps you live a life you won't regret.

Wealth Mode isn't just about having money and resources - it's about having your money aligned with your purpose.

Is your purpose to have rich and meaningful experiences trying new things? Is it to raise a family, and give your kids great opportunities? Is it to charitably give toward causes you believe in? It is to have ample time to explore and enjoy hobbies? Is it some of all of those things? 

Finding and working toward your purpose under good financial advice is where your money becomes wealth.

 Philosopher Henry David Thoreau said it best:

"Wealth is the ability to fully experience life."

And that's what I aim to help you do.


You can utilize me to create a customized financial plan and maximize your money. I then provide ongoing services to help implement and adjust your plan as changes happen. This allows you to enjoy each day in the present, as well as work toward your long-term goals and dreams like a boss. 

In other words, I’m there to make sure you live in Wealth Mode, every step of the way.


I believe that bucket lists are meant to become "Been There, Done That" lists.

I believe that more wealth can be achieved when you seek it for causes bigger than yourself. 

I believe that my advice, whether you read the blog, get the newsletter, or hire me directly, can help you be smart with your money and build your version of a wealthy life - not to mention that I'll save you a lot of time and stress.  

I believe in living in Wealth Mode.



Justin Chidester, CFP®, AFC® is a fee-only financial planner who helps other young professionals and families live life in Wealth Mode. He resides in Logan, Utah, but works virtually so he can meet with clients wherever they are.

In addition to financial planning he loves attending live performances and heading out to Real Salt Lake soccer games with his wife and best friend AnnAlyse (and with anyone else who will join them). At home you might find him noodling on his guitar or piano or listening to classic rock whilst poring over a jigsaw puzzle. 

Justin graduated from Utah State University in Family Finance and Personal Financial Planning. He is proud to among the small 1.25% out of all financial advisors who are a CERTIFIED FINANCIAL PLANNER™ practitioner under the age of 30. He is also an Accredited Financial Counselor (AFC®) through the Association for Financial Counseling and Planning Education (AFCPE)