Lehi, UT
Michael Johnson
Hi, I’m Mike. I work with individuals and families navigating major financial events where taxes can have an outsized impact—from selling a business or appreciated real estate to taking a significant retirement distribution.
I specialize in event-driven tax mitigation, identifying opportunities to reduce unnecessary taxes before, during, and after these financial transitions. With more than 30 years of experience, I replace emotion with data and make complex strategies easier to understand.The goal is simple: help you make informed decisions, keep more of what you’ve built, and have a tax and investment strategy you understand and trust.
Michael
’s team
Savvy Investment Team
Wade Montgomery
Wade is a dedicated financial services professional with more than 12 years of experience across banks, Independent Marketing Organizations (IMO)s, insurance carriers, broker‑dealers, and the investment advisory space. A graduate of Ball State University and holder of the Series 7 and 63 licenses, he brings a broad industry perspective and a strong commitment to operational excellence. Wade is driven by building strong partnerships, maintaining clear and consistent communication, and delivering a high‑quality experience for advisors.
My job is to take something that feels complex and overwhelming and make it clear and manageable. When you understand your financial plan — and why we’re doing what we’re doing — you can move forward with confidence.
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How can I help?
DREAMS INTO ACTIONABLE PLANS
Retirement Planning
Transition into your golden years with confidence. Our goal is to see to it that you’re prepared for the unpredictable. Let us turn your retirement dreams into actionable plans.
STRATEGIC, DATA-DRIVEN INVESTING TO TARGET AMBITIOUS RESULTS
Investment Management
End-to-end investment management focused on tailoring portfolios to each client’s specific circumstances and preferences. Our holistic approach will take into consideration all facets of your situation along with current economic data to optimize your portfolio's risk and return.
DIVERSIFICATION AND INNOVATION IN PORTFOLIOS
Alternatives Investing
We actively research alternative investment opportunities and monitor your portfolio investment holdings, bringing together actionable insights and forward-thinking risk assessments.
MINIMIZING YOUR TAX BURDEN
Legacy & Charitable Planning
Whether it’s transferring assets to kids or grandkids, or maximizing your charitable donations, we have the expertise with complex strategies surrounding wealth transfer.
Published Content
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’s published work
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’s resources
Get to know
Michael
Mike Johnson has over 30 years of experience as a fee-only investment advisor. He’s passionate about helping clients make great financial decisions rooted in data rather than emotion.
Mike is known for simplifying complex topics and removing the confusing jargon that often comes with financial planning. He believes that if you can’t explain something clearly, you don’t truly understand it, so he works hard to make every recommendation easy to follow and feel confident about.
He’s married and has four daughters (his oldest just started college). Outside of work, Mike loves spending time with his family skiing, mountain biking, and wake-surfing.
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How did you become a financial advisor?
Soon after I started my first job, I had a close friend who was a financial advisor and genuinely loved what he did. Meanwhile, my first career job at a Fortune 50 company felt like drudgery. Seeing the difference made me rethink what I wanted, and I realized I wanted a career where I could help people directly, solve meaningful problems, and actually enjoy the work.
What types of clients do you work with?
I love working with people who want to make thoughtful decisions, value clarity, and appreciate a plan that’s built around their real goals, not just generic financial advice.
What areas of expertise do you have?
My core expertise includes:
- Tax planning
- Charitable giving strategies
- Asset allocation and portfolio design
- Helping clients make decisions using data instead of emotion
What kinds of strategies do you help clients with?
A lot of my work centers around:
- Tax-smart investment planning
- Asset location (where investments should live for tax efficiency)
- Retirement income planning
- Portfolio allocation and long-term investment strategy
- Charitable giving approaches that align values with tax strategy
What is your favorite part of working with clients?
I love getting to know families and becoming part of the process of helping them achieve what’s important to them. It’s incredibly rewarding to be trusted with big life decisions, and to help people feel calmer, clearer, and more in control of their financial future.
What is it like partnering with Savvy?
What I like most about working with Savvy is the people. The team is smart, supportive, and aligned around doing what’s best for clients. It’s a great environment for delivering high-quality advice while keeping the client experience simple, modern, and approachable.
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Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials. Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission (“SEC”).