Utor Wealth

Utor (Latin) Verb 

1) to use, to employ  2) to enjoy, take advantage of
3) to experience, undergo, encounter 

Financial planning, investment and insurance management to help you use money to build a meaningful life you enjoy.

Retirement Planning

 We will show you how to confidently coordinate your assets to provide predictable income and give you options for managing risks like healthcare, taxes, inflation, and market volatility. This consultation and analysis is a one-time fee of $2500.

Investment Management

Regimented portfolio design with an emphasis on your goals/use, diversification, risk management, tax management and impact investing. We will do a complimentary analysis of your existing portfolio and charge typically 1.25% or less for account management.


Financial Planning

For those wanting financial confidence in their total financial picture including funding college, paying off debt, preparing for retirement and everything in between. We charge a flat fee based on household income with a min of $1500 and max of $5000.  


Insurance Brokerage

We’ll help you find the right coverage to ensure you, your family, your employees and your business are taken care of in event you experience the worst case scenarios.  There’s no additional fees, the only cost is insurance premiums. 


About Our Team

Jenifer Sapel, ChFC™WMCP™

Jenifer Sapel, ChFC™WMCP™

I’ve done my fair share of wrestling with money.  Growing up, it was a subject wrapped in a lot of mystery and stress.  As a type A first born, I initially went to the other extreme, dedicated to conquering it, I bought my first home at 21 years old.  Then after almost two decades of working in financial services professionally, I realized I, and people like me, weren’t the only one who needed a perspective change around money.  We’ve got some work to do in most of our systems:  education, financial services, and families….to make healthier decisions around money.

Most of what we see and learn about personal finance are a series of quantifiable do’s and don’ts.  Many financial plans are just elaborate spreadsheets projecting different scenarios in the future.  These are helpful tools that often fall short of acknowledging life is often messier than the neat cells of an excel worksheet.  

Along with Utor Wealth, I’m a wife to Kansas born Melvin.  We live on a few acres in the PacNW with our two boys under age 3 (this is where systems are critical), two dogs (Jack & Jill), modest whiskey collection, and lego filled home.  As a family, we love to travel, dabble in the garden, eat, laugh, ride bikes and host informal gatherings (at least pre/post pandemic) where we can do as many of these things at once.

Book a consultation with Jen

Carol Parrish, RICP®

Carol Parrish, RICP®

After 9 years of serving in Marketing and Operations in the financial services world, Carol took the plunge to pursue her passion of serving clients directly as a Financial Advisor for Utor Wealth.  Her mission is to help families and business owners who are busy juggling multiple priorities (like her!), get their financial ducks in a row so they feel confident in their financial decisions and can truly enjoy themselves and live their best lives. Her focus is on putting clients in an optimal financial position regardless of life changes or economic cycles.

Carol specializes in working with female entrepreneurs and women in underrepresented industries like manufacturing and aerospace. Carol holds her Series 7 and 66 securities registrations and is licensed for life and health insurance.  She also holds the Retirement Income Certified Professional Designation.  Carol received her bachelor’s degree in Accounting from the University of Washington and a master’s degree in Sports Management from The Ohio State University. She enjoys spending family time with her husband and two children, which usually involves watching or playing some sport like softball or football. She also enjoys cheering on the Seahawks and Huskies!

Book a consultation with Carol

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