One complimentary conversation. We'll walk through your whole financial picture together—and we'll actually explain it in plain English.
✓Build Real Wealth (not just save it)
✓Protect Your Family's Future (without expensive insurance traps)
✓Retire on Your Terms (when you're ready, not when you're forced)
Whether you're just starting to save or you've got money scattered across old 401(k)s and wondering if it's actually growing, we help Valley families turn financial confusion into a clear plan. No pressure. No jargon. Just straight answers.
✓Build Real Wealth (not just save it)
✓Protect Your Family's Future (without expensive insurance traps)
✓Retire on Your Terms (when you're ready, not when you're forced)
We help Valley families turn financial confusion into a clear plan. No pressure. No jargon. Just straight answers about what you've got and how to get where you want to be.
✓Build Real Wealth (not just save it)
✓Protect Your Family's Future (without insurance traps)
✓Retire on Your Terms (when you're ready)
You've got a job. Maybe IT, healthcare, teaching, real estate—something solid here in the Valley. You're trying to do the right things: contribute to the 401(k), keep the mortgage paid, put some money aside when you can.
But here's what keeps you up at night...
You've got retirement accounts from old jobs sitting around—and honestly? No idea if they're growing or just collecting dust.
Someone sold you a life insurance policy that sounded great at the time. Now you're paying $300+ a month and wondering if you got played.
Between the mortgage, childcare, and that Arizona summer electric bill, there never seems to be enough left over to actually build wealth.
Your friends mention "tax strategies" and you just nod along... because where do you even start with that?
You've Googled "financial advisor Phoenix" a hundred times, but everyone either wants to sell you something or only works with people who have millions already.
Here's the truth: Most families in Phoenix feel exactly the same way. You're not behind. You're not failing. The system is just designed to confuse you—because confusion keeps you paying fees to people who don't actually have your best interests in mind.
But there's a better way...
What if you actually understood where your money is going? What if you stopped overpaying for insurance products that benefit the insurance company more than you? What if you had a clear roadmap that didn't require working until you're 70?
That's what we do. And we're right here in the Valley.
A local professional came to us after 26 years of paying into an Index Universal Life policy sold by a major insurance company. He'd been promised growth. Security. A "safe" way to build wealth while protecting his family.
Here's what the numbers actually showed:
Worse? His policy was set to lapse in 6-8 years, leaving him with no death benefit and nothing to show for decades of premiums. The insurance company hadn't lost a penny. He had.
We rescued what cash value remained, secured him a $300,000 term life policy at a fraction of the cost, and directed the premium savings into low-cost index funds where his money could actually grow. No hidden fees. No surrender charges eating his returns. Just simple, transparent investing aligned with his actual goals.
Get Your Policy Reviewed Free →This is a real client case study. Individual results vary based on policy type, duration, market conditions, and other factors. Past performance does not guarantee future results. A complimentary review can help determine if your current strategy aligns with your goals.
Here's the thing about most financial advisors: they talk at you, not with you. They throw around terms like "basis points" and expect you to nod along. They push products that make them big commissions. If you ask too many questions? Suddenly they're "too busy."
That's not us.
I'm Chris Walsh. I spent years as a semiconductor technician here in the Valley—full-time job, raising three daughters, trying to figure out money just like you probably are right now. I remember sitting at our kitchen table in Chandler, staring at Dave Ramsey's Financial Peace University workbook, thinking: "There has to be a better way." Turns out, there is.
And it starts with something most financial advisors won't tell you: Buy Term Life Insurance and Invest the Difference.
The insurance industry has been selling families—families like yours, like mine—on the idea that whole life and indexed universal life (IUL) policies are the "smart" way to build wealth. They're not.
When you buy one of those policies, you might pay $300-$500 a month. Most of that goes to the insurance company and the agent's commission. Compare that to buying term life insurance ($50-$100/month for way more coverage) and investing the difference. Over 20-30 years? Hundreds of thousands in extra wealth.
We sit down (Zoom or our Phoenix/Mesa office) and walk through your whole financial picture. Not scary. Not judgmental. Just "let's figure this out together."
And here's the best part: You'll actually understand what we're recommending and why. No sales pitch. No pressure. Just education and a clear plan that makes sense for your family.
You've worked hard for decades—shouldn't your retirement reflect that? Our retirement planning process helps Phoenix professionals map out exactly how much they need, when they can retire, and how to make their savings last.
Learn more about Retirement Planning →
Investing shouldn't feel like gambling. We build portfolios based on your actual timeline, risk tolerance, and what keeps you up at night—not cookie-cutter models or whatever's hot this quarter.
Learn more about Investment Management →
Estate planning isn't just for the ultra-wealthy—it's about making sure your family isn't left guessing or fighting over what you wanted. We help coordinate your wills, trusts, and beneficiary designations.
Learn more about Estate Planning →
Insurance is the financial safety net most people either over-buy or completely ignore. We'll review your life insurance, disability coverage, and long-term care options to make sure you're properly protected.
Learn more about Insurance Planning →
RFC • FRC
Executive Marketing Director
Capital Choice Financial Services
With decades of experience in financial services, Bill Haight has built Capital Choice Arizona into a trusted resource for Valley families seeking honest, education-first financial guidance.
As a Registered Financial Consultant (RFC) and Financial Resource Consultant (FRC), Bill brings both the credentials and the real-world experience to help advisors and clients alike navigate the complexities of retirement planning, investment management, and insurance analysis.
Bill's philosophy is simple: Put the client first, tell the truth about financial products, and build relationships that last decades—not transactions that last minutes.
Under his leadership, Capital Choice has grown to serve thousands of Arizona families and inspired our national footprint to excess of $1 billion in assets under management, while maintaining the personal, no-pressure approach that sets us apart from the big-box financial firms.
If you've been following Dave Ramsey—Financial Peace University, The Ramsey Show, or just his general financial advice—you already know: Debt is the enemy. Discipline is the path. And whole life insurance is not the way to build wealth.
Two of our advisors, Chris Walsh and Trent Reynolds, are participants in the SmartVestor program. Let me be straight about what that means (and what it doesn't).
Most financial professionals are incentivized to sell expensive products—whole life policies, annuities with surrender charges, high-fee funds. That's not us. Because we align with SmartVestor philosophy, you know we're education-first, sales-never.
Most people either have too much expensive coverage or not enough protection. The DIME Method gives you a simple framework to calculate exactly what your family needs.
Total up what you owe: credit cards, car loans, student loans, personal loans. This gets paid off first.
Multiply your annual income by 7-10 years. This replaces your paycheck so your family maintains their lifestyle.
Your remaining mortgage balance. Your family stays in their home without worrying about payments.
Future college costs for your children. Current average: $25,000-$55,000 per year depending on school type.
That's $3,600+ per year you could be investing in low-cost index funds instead of paying insurance company fees.
We'll review your current policies, calculate your actual need using the DIME method, and show you exactly what you're paying versus what you should be paying. No cost, no pressure.
Get My Free Coverage Review →Insurance rates vary based on age, health, coverage amount, and other factors. Examples shown are illustrative only. Your rates may differ.
The personalized strategies they suggested were not only practical but also tailored to grow successful financial habits. What stood out was their continual guidance ensuring I stayed on track with my plan.
Trent has been our financial advisor for a couple of years now. He is knowledgeable and really takes time to make sure we understand what we are doing. We are proud to recommend Trent.
I have had an exceptional experience with Capital Choice. Chris's expertise and professionalism were awesome from the start as I know absolutely nothing about retirement or pensions.
Absolutely. Everyone starts somewhere. If you've got retirement savings from an old job, money in savings, or you're just trying to figure out if you're on track—that's exactly who we help.
Maybe you shouldn't. If you have an advisor who explains things clearly, keeps fees low, returns your calls, and has helped you build real wealth—stay with them. But if you're reading this, something might be off. Maybe you don't fully understand what you own. Maybe you've never seen a clear breakdown of fees. Maybe you've been sold products that seem complicated. A second opinion costs nothing. We'll review what you have, explain what we see, and tell you honestly whether we think we can do better.
We believe in transparency. Our compensation depends on the services you need. For investment management, we typically charge a percentage of assets under management—this means we only do well when your portfolio does well. For insurance products, we receive commissions from the insurance company (not from you). We're legally required to recommend products that are suitable for your situation, and we take that seriously. During your consultation, we'll explain exactly how compensation works for any recommendation we make. No hidden fees, no surprises.
That's fine. Many people start with one question (rollover, life insurance review) and then realize they want the full picture. No obligation to do everything.
Absolutely. Most clients prefer Zoom because who wants to drive across the Valley during rush hour?
No. We're educators. Here's your situation, here are options, here's what we'd recommend. You decide. No pressure. Ever.
SmartVestor is Dave Ramsey's network of financial professionals who've been vetted for their commitment to education over sales. It means we align with principles like "Buy term and invest the difference," getting out of debt, and building wealth through low-cost index investing. We're not employees of Ramsey Solutions—we're independent Phoenix advisors who share the same philosophy and have been approved to receive referrals from people who call into the Dave Ramsey show seeking local help.
Technology can't ask about your daughter's wedding, your aging parents, or whether you're actually sleeping at night. Robo-advisors are great at one thing: allocating assets based on a questionnaire. But your financial life isn't a questionnaire. We're human advisors who sit with you (or meet via Zoom), learn your story, and build a plan around your actual life—not just your risk tolerance score. Plus, when the market drops 20% and you're tempted to panic-sell, you can call us. Try getting a robo-advisor on the phone at 9pm when you're stressed.
It's our core philosophy. Instead of buying expensive whole life or universal life insurance policies (which typically have high fees, low returns, and complicated fine print), you buy affordable term life insurance for pure protection—it does one job: pays your family if you die during the term. Then you take the massive premium savings (often $3,000+ per year) and invest that money in low-cost index funds where it can actually grow. Over a 30-year career, this difference can potentially amount to hundreds of thousands of dollars in additional wealth.
Not at all. In fact, some of our most impactful work is with families in their 30s and 40s—when small changes compound dramatically over time. A 35-year-old who starts investing just $500 more per month could have $400,000+ more at retirement than someone who waits until 50 to make the same change. If you're thinking about retirement planning in Phoenix at any age, we're here to help. The best time to start was yesterday. The second best time is today.
A 45-minute conversation with no paperwork and no pressure. First, we listen—you tell us about your situation, your goals, and what's been bothering you about your finances. Then we educate—we explain relevant concepts in plain English so you understand your options. Next, we answer every question you have (no topic is off-limits). Finally, you decide if working together makes sense. You don't need to bring tax returns, account statements, or make any decisions on the call. Total cost: $0.
You could keep wondering if those old 401(k)s are growing. Keep paying for that expensive insurance policy. Keep putting off the "money conversation."
Or you could take 30 minutes, hop on a call, and finally get clarity. No cost. No obligation. No sales pitch. Just real talk about where you are, where you want to be, and what it takes to get there.
We've helped thousands of families across Phoenix do exactly this. Families just like yours—working professionals, growing kids, busy lives, and the nagging feeling they should be doing more with their money.
The only difference between them and you? They scheduled the call.
No surprises, no pressure, no awkward sales pitch. Here's exactly what to expect in your complimentary consultation.
Tell us about your current situation, your goals, and what's keeping you up at night. We take notes, not control.
We explain concepts like the Rule of 72, how insurance actually works, and tax-advantaged strategies—in plain English.
Ask anything. About fees, about our philosophy, about what happened to your neighbor's annuity. No question is off-limits.
If working together makes sense, great. If not, you leave with actionable insights you can use anywhere. No hard feelings.
We do have limited scheduling availability, so act fast to get the best time for you. Simply pick a time and a date and fill out the form and your dedicated advisor will meet you on a Zoom Call at your scheduled time.
Serving Phoenix, Glendale, Peoria, and the West Valley
Serving Mesa, Gilbert, Chandler, and the East Valley
