There are many questions facing today’s retirees and people preparing for retirement: Will I receive Social Security benefits with the rise in the number of retired Baby Boomers? How can I afford to pay the costs of increasing medical expenses as well as rising healthcare costs? Will I run out of money in my retirement?

As your financial team, Certified Retirement Planning Services is ready to answer these questions for you. Our goal is to help you protect your nest egg and increase your capital through our disciplined and conservative approach. Let us show you how you can potentially:

  • Increase Retirement Cash Flow
  • Provide Tax-free Vehicles For Retirement Cash Flow
  • Generate Returns on Currently Idle Assets
  • Avoid Probate
  • Pass IRA’s on to Family Members While Maximizing the Ability to Defer Taxes.

Retirement is the time for each of us to set out on our dreams and make them come true. BRPS can help you get there!



Social Security

When and how you take your Social Security benefits could mean the difference of thousands of dollars to you. We can help you weigh your options.
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Wealth Strategies

Would you like to “Super Charge” your wealth, preserve your estate, and not affect your budget? Everyone has a different road to retirement and we are here to help you find the best path to suit your individual needs.
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Long-Term Care

Long-term Care and be expensive if you don’t have a strategy to protect yourself. We can help you protect your nest egg and plan for these expenses.

Retirement Planning

Too many Americans have no financial plan for retirement. Our team is here to help you develop a plan so you can retire and enjoy your golden years.

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DISCLAIMER:

Investment advisory services offered through Horter Investment Management, LLC, an SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Certified Retirement Planning Services. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade and Jefferson National Life Insurance Company. © Copyright 2020 – Certified Retirement Planning Services

Meet Cory Payne

Cory Payne has been helping people plan their financial futures since 1979. After watching the 2007-2008 economic meltdown, and its devastating effects on people’s nest eggs, Cory began specializing in retirement income planning. With more than 35 years of risk management focus, he is now educating clients on managing their retirement income planning risks and on Social Security planning, life insurance, annuities, investment education, long-term-care strategies, Medicare options and understanding risk. Cory provides his clients with an analysis of their current financial situation, helping them reach retirement income goals and avoid “blind spots” in their planning. He is a past president of both the Independent Insurance Agents of Utah and the Independent Insurance Agents of Salt Lake. He also was named the Utah Association of Independent Insurance Agents “Agent of the Year” in 2003. An avid swimmer, Cory has swum San Francisco Bay’s Alcatraz crossing, a feat for only the hardiest among us, an impressive six times.

Get In Touch

Need a quote? Have questions? We’re happy to help. Fill out the form and one of our agents will contact you shortly or call us directly at 435-586-2211 .

239 South Main Street, Suite 300
Cedar City, UT 84720

We’re open Monday – Friday 9AM – 5PM

437 South Bluff Street, Suite 301,
St. George, UT 84770

We’re open Monday – Friday 9AM – 5PM