Benefit from their Experience

Bil Jeppson CFP®, MBA

Ernest Hathaway CFP®, CFEd™

Thom K. Hall CFP®, ChFC, ChFEBC

Financial Strategies Institute is a unique firm that places a strong emphasis on educating clients through classroom style seminars on how to prepare for a comfortable and financially secure retirement.

The company is headed by three senior planners, Bil Jeppson, CFP^®, MBA, Ernest Hathaway, CFP^®, and Thom Hall, CFP^®, ChFC, CHFEBC. All three are Certified Financial Planner Practitioners and together they bring over 50 years of combined experience in financial services to work for their clients. The senior partners currently have over $150 million in client assets under their care and supervision.

Bil Jeppson, CFP^®, MBA

Bil Jeppson co-founded Financial Strategies Institute in 1994 with a mission to empower people through professional advice and financial education. The goal: Create comfortable and financially secure retirement scenarios for the firm's clientele. Bil combines his knowledge as a financial advisor with his background in insurance, expertise in business ownership and flair for teaching to add depth to the seminars and personal financial planning advice he provides.

Bil has conducted numerous training courses over the past decade. He has taught financial planning at the Continuing Education Departments of the University of Utah, Weber State University, and other institutions. Drawing from his extensive background, Bil helped craft the firm's investment philosophy. Financial Strategies Institute believes that proper planning is the key to achieving a comfortable retirement and that each plan has three objectives: substantially reducing risk, producing reasonable growth and income, and addressing lifetime income strategies.

Bil has been instrumental in guiding the firm to its position as a premier source for financial education on the Wasatch front. He specializes in serving clients' financial planning needs, including: pre-retirement planning, retirement planning and estate planning.

Bil received his BS in Marketing from the University of Utah and his MBA from the University of California, Los Angeles. He also successfully completed the demanding requirements to become a CERTIFIED FINANCIAL PLANNER^™ professional through the Certified Financial Planner Board of Standards, Inc.

A long-time Utah resident, Bil is a devoted family man who also commits his time to serving in various leadership roles in church and business communities.

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Ernest Hathaway, CFP^®, CFEd^™

Ernest Hathaway brings 28 years of experience in financial services and an extensive background as a financial educator to the firm. As co-founder of Financial Strategies Institute in 1994, his mission is to empower people through professional education and advice. The ultimate goal is to create a comfortable and financially secure retirement for the firm's clients.

Ernest has excelled at developing a unique educational focus for current and prospective clients enabling them to understand and address their financial needs, objectives and goals. His core belief is that the better informed a client is about the strategies necessary to realize financial comfort, the more achievable the client’s goals become.

Ernest's financial planning philosophy has crystallized over his many years of experience. He has authored a financial planning course, “Additional Cash Flow for Retired Homeowners” and a forthcoming book on financial strategies. He has conducted hundreds of seminars and classes on financial topics over the last 28 years for corporations, professional associations and the general public. Ernest has brought financial instruction to students in a formal classroom setting at both the University of Utah and Weber State Continuing Education programs. He conducts the classroom style seminars and workshops that form the centerpiece of the firm's service - and not just for clients, but also for employers, their employees, and the public.

He also advises on insurance matters and draws from his management experience in prior firms, including partner in Growth Management Systems, President of Harvard Financial Services Corp. and President of LDI Financial Services. Ernest attended Seattle Pacific University majoring in Economics and Business. He also successfully completed the demanding requirements to become a CERTIFIED FINANCIAL PLANNER^™ professional through the Certified Financial Planner Board of Standards, Inc.

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Thom K. Hall, CFP^®, ChFC, ChFEBC

Thom K. Hall, a financial professional who joined Financial Strategies Institute in 2005, has been advising clients on how to preserve and manage wealth for over 14 years. Professionals, corporate executives and federal employees rely on him for expert financial strategies.

Thom excels at developing a uniquely customized approach for each client's planning needs, objectives and goals. With Thom, the entire process revolves around the client.

Thom believes that financial planning is about a person's values not just their money. His focus is on protecting someone's purchasing power, not simply their principal. He feels it is important to develop the right retirement plan for an individual’s situation by utilizing tools that help manage taxes, market volatility and risk. He has taught sound financial principles to a wealth of individuals over the years and currently teaches educational seminars to corporations and federal agencies. He shares strategies that assist his clients in overcoming emotional decisions and helping to ensure his clients' income in their retirement years.

He successfully completed the demanding requirements to become a CERTIFIED FINANCIAL PLANNER^™ professional through the Certified Financial Planner Board of Standards, Inc. In an effort to provide timely advice to his clients, Thom regularly consults with leading experts including Ed Slott, CPA, who Mutual Funds magazine called “America’s IRA expert,” and Harry Dent, one of the leading economists in the U.S.

A resident of Draper, Thom devotes his free time to his family and enjoys a wide range of outdoor recreational activities.

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