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HOME2025-07-25T17:16:59+00:00

Utah Retirement Planning

Emma Financial

Retirement is personal. You’ve worked hard to save and invest — now it’s time to make the most of what you’ve built. At Emma Financial, we help you optimize and protect your savings to support the retirement lifestyle you deserve and care for the loved ones you leave behind.
Our planning process focuses on one thing exceptionally well: identifying unnecessary risks in your financial strategy and developing a plan to help eliminate them. The result? Greater peace of mind, protected income, and an empowered future.
Emma Financial is an independent firm dedicated to helping individuals and families prepare for, plan, and live in retirement. Our personalized approach combines tailored retirement strategies with insurance solutions to provide guaranteed lifetime income, asset protection, and tax-efficient planning — all designed to support a truly holistic financial picture.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Explore options to protect your income in the event of a an illness or injury that prevents your ability to work.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

Safeguard your loved ones and your home with mortgage protection so they can afford keep your family’s home.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Here For You

Meet The Team

Emma Che

Founder & Finance Coach

Liliu Gali

Personal Assistant

Masina Motuga

Business Coordinator

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in July 2025

  • July 30, 2025 (1 event)

    –
    July 30, 2025

    Join us for a deep dive into protecting your hard-earned assets from the unpredictable world of long-term care costs.

    Click Here To Register

    Register Now

Our Downloads

Tips to Help Avoid “Market Panic” Reaction

Planning for retirement is never a “set it and forget it” activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans. Diseases, natural disasters, or political instability are examples of things that can cause market downturns or drops.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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    2701 N Thanksgiving Way #100,
    Lehi, UT 84043

    (801) 989-2876

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      2701 N Thanksgiving Way #100,
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      Phone: (801) 989-2876

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                        Daniel Xie

                        Daniel was born and raised in China in a traditional Chinese household, where he embraced the values of respect, hard work, and dedication. He later moved to the United States to support his family, helping care for his daughters while his wife teaches at a Chinese Dual Immersion Elementary School in Springville, Utah.
                        With a strong background in the insurance industry in China, Daniel brings a wealth of knowledge and expertise to his current role. Fluent in Mandarin, he plays a vital role in assisting Emma’s Mandarin-speaking clients, ensuring they receive clear, informed guidance in navigating their retirement and insurance options.
                        Daniel’s professionalism, cultural insight, and dedication to client service make him a valuable asset to our team. We are grateful to have him onboard, enriching our collective expertise and strengthening our ability to serve diverse communities.

                        Masina Mortuga

                        Business Coordinator

                        Masina was born on the beautiful island of Samoa and later moved to California, where she dedicated her life to raising her children. After her youngest son left on an LDS mission, she and her husband relocated to Orem, Utah, a place she now proudly calls home.
                        Masina has always prioritized her family, cherishing the time spent nurturing and supporting them. Her deep sense of care and devotion extends beyond her loved ones—she is passionate about helping others succeed in their endeavors. Known for her kindness and generosity, she is often the first to extend a helping hand, embodying a heart of gold in both her personal and professional life.
                        As a Business Coordinator, Masina excels in organizing operations, streamlining processes, and ensuring efficiency in the workplace. She is results-driven, committed to achieving success while fostering positive relationships. With a strong belief in fairness and integrity, she approaches every challenge with a just and ethical mindset, treating others with respect and professionalism.
                        Masina’s dedication to excellence, combined with her compassionate nature, makes her a valuable asset in both her community and professional space.

                        Liliu Gali

                        Personal Assistant

                        Born in Honolulu, Hawaii, and raised in San Francisco, California, Lili now calls Orem, Utah, home. She is passionate about learning, serving others, and helping people achieve their goals. With expertise across various fields, Lili approaches every task with professionalism, common sense, and a dedication to going the extra mile.

                        As a dedicated personal assistant to Emma, Lili is highly organized, detail-oriented, and proactive. She excels at managing schedules, coordinating appointments, and ensuring smooth day-to-day operations. Her ability to anticipate needs, problem-solve efficiently, and handle tasks with discretion makes her an invaluable support to both Emma and those she serves.

                        Family is at the heart of Lili’s life—her grandchildren bring her the greatest joy, and she cherishes every opportunity to spend time with them and support her children.

                        A woman of faith, Lili places her trust in God and strives to live with integrity and purpose. She looks forward to meeting you and is eager to assist with your needs. Feel free to reach out to her to set an appointment with Emma!

                        Emma Che

                        Founder & Finance Coach

                        Emma earned her undergraduate degree in Political Science from Brigham Young University – Hawaii, with a minor in English as a Second Language. 

                        Born and raised in Malaysia with Chinese roots, Emma developed a deep curiosity about  Western culture and how it blends with Eastern traditions through the influence of the Christian  faith. 

                        Her career began in the commercial insurance industry in 2001 before transitioning into personal  finance, joining Prudential Financial in 2003. Emma is passionate about helping individuals and  families protect what they value most. She enjoys crafting financial strategies that align with her  clients’ unique philosophies and budgets. 

                        While raising her three boys as a single mother, Emma worked as a support staff member at  Morgan Stanley. There, she served in the Retirement Department, Chairman’s Club—supporting  high-volume financial advisors—and later in the Customer Service Department, assisting high net-worth clients. 

                        Emma joined Fidelity to help launch the Mandarin Support Services team in the Stock Plan  Department, assisting corporate clients with employees in China and Taiwan. She later  transitioned to serving Fidelity’s high-net-worth clients, helping with trades and resolving  account-related concerns. 

                        Fluent in Mandarin and driven by an entrepreneurial spirit, Emma earned her Master’s Degree in  Business Administration. She opened several restaurants under the brand Sarang Yeah, which  she later consolidated into a smaller operation managed by The Social under the brand Chuk’s  Kitchen. 

                        After years of encouragement from her great friend Hendra Wijaya, Emma joined forces with  him under Perpetual Wealth Group. Eventually, she founded Emma Financial to help  individuals and families achieve financial stability and protect what matters most. Emma  recognized the widespread lack of financial education among hardworking Americans and the  prevalence of misinformation. This inspired the tagline for Emma Financial: Protect Your  Income, Empower Your Future! 

                        Emma believes in honesty and straightforward communication when guiding clients on their  financial journeys. She is dedicated to helping people become more efficient with their resources  and looks forward to making a positive impact in their lives.

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