Independent · Fiduciary adviceSt. George, Utah
Protect your nest egg.Grow at a pace that lets you sleep at night.
Hartman Retirement Partners helps pre-retirees and retirees in St. George, Utah and across the country build retirement plans designed for the years that matter most — not the next market cycle.
No obligation, no pitch · Video meetings available nationwide
When the pieces don't connect, retirement gets harder than it needs to be.
We work with those needing to coordinate retirement accounts and other income sources into a synchronized plan.
Most arrive with their financial life spread across a dozen places. Each piece may be fine on its own. The problem is that nobody is looking at how they work together. These are the things that change when someone does.
Coordinated Financial Strategy
When your investments, taxes, and income decisions are made separately, they can quietly work against each other. A coordinated plan connects them — so a Social Security decision accounts for its tax impact, and a withdrawal strategy accounts for what it does to your bracket years from now.
Retirement Income Clarity
The shift from earning a paycheck to creating one is the hardest transition in retirement, and most people face it without a clear picture. A structured income plan shows you where each dollar comes from, in what order, and how long it's designed to last.
Tax-Aware Decision Making
Taxes are the largest controllable expense most retirees face, and the biggest opportunities close well before you notice them. Planning across decades rather than filing seasons helps you keep more of what you've spent a career building.
A Process You Can Follow
Second-guessing is exhausting, especially when markets move. A written plan and a defined process give you something to return to — so you're making decisions from a framework instead of from headlines.
Each piece may be fine on its own. The problem is that nobody is looking at how they work together.
Our approach
Three guiding principles in every plan
Not a product to sell — a process to follow, written down and revisited with you over time.
- 01
Protect principal first
Markets recover, but timelines don't. We design portfolios that participate in growth while limiting how much you can lose in any single year. The math of recovery is brutal after 60 — and we plan accordingly.
- 02
Plan for income, not just returns
Accumulation is one game. Distribution is a completely different one. We focus on building income streams that survive market drops, inflation, and a 25-30 year retirement.
- 03
Coordinate everything
Investments, taxes, Social Security, Medicare, estate planning, and insurance work together — or they work against each other. Most people have those pieces scattered across professionals who never talk. We bring it under one plan.
What we do
Comprehensive retirement planning, including 6 main services:
What makes us different.
Fiduciary advice — always.
As an Investment Advisor Representative under Brookstone Capital Management, LLC, we have a fiduciary duty to our advisory clients: acting in your best interest and fully disclosing any conflicts of interest, on every recommendation.
Retirement is what we do.
Every conversation we have, every plan we build, every decision we coordinate — it's all for people in or near retirement.
Nationwide reach.
Based in St. George, Utah. Through Brookstone Capital Management, we work with advisory clients across the country. Many clients prefer meeting via video, especially during winter or while traveling.
Transparent fees, no hidden incentives.
You'll always know what you're paying and why. No commissions on investments, no products pushed because they pay us more.
25+
Years serving clients
Since 2015
As a financial advisor
55–80
Typical client ages
Nationwide
Advisory reach
Hartman Andersen
Investment Advisor Representative with fiduciary duty · CRD #7001766
Twenty-five-plus years serving clients across the computer, healthcare, and financial industries before focusing entirely on retirement. Double bachelor's from Brigham Young University, a doctorate from Life West, and a lifelong teacher — including Retirement Wealth Academy courses at local colleges, universities, and libraries.
Fluent Spanish speaker from missionary service in Bolivia. Pickleball, family, and the long-term perspective clients deserve — in that order.
In their own words.
We have loved working with Hartman for several years. I met him at my teaching job quite a while ago and he has handled our retirement finances very well. I trust him completely with our resources. He has always been easy to contact, patient with our questions and professional in every way. We have loved working with him.
Hartman Andersen has been an absolute game-changer for me. After my divorce, I needed someone I could trust to help me navigate my retirement and investments on my own. Hartman has worked with me for nearly 9 years, and I couldn't be more grateful. What stands out most is that he genuinely listens to my concerns and takes the time to understand my situation as a single individual. There's never any pressure—just thoughtful guidance that helps me feel secure about my money. If you're looking for a financial advisor who is patient, trustworthy, and truly has your best interests at heart, I highly recommend Hartman Andersen.
We started working with J. Hartman Anderson several years before retirement. There were many details to work out and he had all the answers. It was much easier then we thought it would be and more to our advantage than we thought it would be. We trust him completely. We have referred him to other family and friends and they also have had a good experience.
I have complete trust in Hartman. He is always available and listens and his knowledge and insights to the market is spot on. I would highly recommend him to anyone searching for this type of help.
Hartman Andersen is a class act! He is knowledgeable, intelligent, kind, and listens to our needs. He responds quickly and that makes a great money manager!
In helping with our retirement, Hartman Andersen has really helped. I can't think of anyone better.
We have had a great relationship with Hartman. We first started with an insurance policy offered to Washington County School District employees that Hartman recommended we purchase. Hartman reviewed Shelly's retirement planning and recommended we could bolster her retirement by adding a 401k fund to her portfolio. We also bolstered our retirement by utilizing a PCRA account with Schwab that pursues retirement goals that is based on our risk level tolerance. We really appreciate the hard work Hartman does in managing our investments and would highly recommend him to others.
We have been incredibly grateful for Hartman. He genuinely cares about the people he works with and takes the time to understand our goals, values, and overall well-being—not just our finances. He also sends thoughtful, informative emails that help us stay informed about market trends and financial topics. His communication is timely, educational, and reassuring. If you're looking for someone who is knowledgeable, trustworthy, and truly invested in helping you succeed, I highly recommend Hartman Andersen. His personal approach and commitment to his clients make all the difference.
I've been going to Hartman for several years now and it has been a great experience. He has been great working with directing the path through the many different stages of our financial planning. It has been a little scary at times but I've trusted Hartman and things have worked out like he said it would. If you're looking for a great help in financial support Hartman is the one person I would recommend.
We have always been treated with the greatest respect but discussions have never been over our heads!
These reviews were provided by current clients of Hartman Retirement Partners.
Straight answers.
What people ask most before deciding to work with us.
Who do you typically work with?
We focus on pre-retirees and retirees, generally between ages 55 and 80, who want to protect what they've accumulated and grow it at a measured pace. We also work with business owners and high-income professionals planning for retirement, and with professionals changing jobs who need to coordinate old 401(k) balances into a broader plan.
Are you a fiduciary?
Yes. As an Investment Advisor Representative under Brookstone Capital Management, LLC (a Registered Investment Advisor), we operate under a fiduciary standard, which means we're legally required to act in your best interest at all times.
What's your minimum?
We don't have a hard minimum. We focus on clients where we can deliver meaningful, coordinated value — generally clients with $250,000 or more in investable assets — but we evaluate fit case by case.
Do you work with clients outside of Utah?
Yes. As an Investment Advisor Representative, we work with advisory clients across the United States. Many of our clients prefer video meetings, especially during winter or while traveling.
How do you get paid?
For investment advisory services, we charge a competitive percentage of assets under management annually. For life insurance and annuities, we receive a commission from the issuing insurance company — there's no separate charge to you. We provide a complete cost breakdown before any engagement.
How do I get started?
Schedule a complimentary 30-minute introductory call. We'll discuss your situation, what you're trying to accomplish, and whether we're a good fit. No obligation, no pitch.
Ready to talk?
The first 30 minutes are on us.
We'll discuss your situation, answer your questions, and figure out whether we're the right fit. No pressure, no pitch — just a real conversation about your retirement.
Or call us directly: 435-275-5799.