Michael Johnson, MBA

I’m Michael Johnson, a Financial Advisor from Lehi, Utah with over 30 years of experience. I help individuals and families make confident financial decisions rooted in data, not emotion. By simplifying complex strategies and removing industry jargon, I bring clarity to retirement, taxes, and investment planning so you can move forward with confidence. Let’s build a plan you understand and trust.

MICHAEL'S TEAM:

Savvy Investment Team

Wade Montgomery

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Lehi, UT

How michael works with clients

"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?

Retirement Planning

DREAMS INTO ACTIONABLE PLANS

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.

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Investment Management

STRATEGIC, DATA-DRIVEN INVESTING TO TARGET AMBITIOUS RESULTS

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.

Alternatives Investing

DIVERSIFICATION AND INNOVATION IN PORTFOLIOS

We actively research alternative investment opportunities and monitor your portfolio investment holdings, bringing together actionable insights and forward-thinking risk assessments.

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Legacy & Charitable Planning

MINIMIZING YOUR TAX BURDEN

Whether it’s transferring assets to kids or grandkids, or maximizing your charitable donations, we have the expertise with complex strategies surrounding wealth transfer.

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Get to know Michael

Michael 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.

Michael 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 types of strategies do you usually 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

Is there a unique approach that sets you apart?

I subscribe to the Buffett mantra: if you can’t explain a difficult concept to a child, then you don’t really understand it. Financial planning doesn’t need to feel confusing or intimidating. I work hard to remove the jargon, simplify the decision-making process, and help clients feel confident about what they’re doing and why.My approach is built on integration, intention, and real connection. I don’t just manage investments, I coordinate every piece of a client’s financial life so their tax, estate, and investment strategies work together seamlessly.

What is your favorite part about 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.

Working 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”).