Jason Williams

Hi, I’m Justin. I am the founder of Wealth Mode Financial Planning. My team and I have a primary focus in helping those with over $100,000 in federal student loans create a plan to minimize loan payments and save taxes – without sacrificing meaningful goals like buying a home, starting a family, or saving for retirement. Our clients with high student loan debt: – Usually 30-35 years old – Graduated in the last 5 years – $250,000 in average household student loans – $200,000 to $250,000 in annual household income – Want to buy a home and start a family within the next few years - Are or plan on being a business or practice owner in the future We'll help you examine all your options – 10-year standard plan, refinancing, the Income-Driven Repayment (IDR) plans like IBR/PAYE/SAVE, and Public Service Loan Forgiveness (PSLF). For married couples both working, you need to look at whether you should file your taxes Married Filing Separately. From there, we can identify how you can save the most money in paying off your loans while still saving enough money toward other goals. We’ll teach you everything you need to know about setting up the right investment portfolio for you, and which accounts you should be using. Then, we'll set you up with an easy-to-follow budget and cash flow system that will make it all happen. Last of all, let’s make sure you’re protected with the proper life insurance, disability insurance, and estate planning documents you need. Many of our student loan clients have a spouse/partner with equity compensation (ISO's, non-qualified stock options, RSU's, ESPP's, etc.), and we've become quite adept at strategic planning for that as well. We place a heavy emphasis on tax planning and prepare our clients' tax returns as well if they would like. Our clients include physicians, dentists, chiropractors, lawyers, and veterinarians - really, any high-student loan debt trade or profession. Our clients live across 25+ U.S. states in all four time zones, and some countries internationally. I love what I do, and how it helps my clients focus on enjoying their lives and careers instead of worrying about debt or money. _ _ Outside of work, I enjoy spending time with my wife and best friend AnnAlyse, our 4-year old daughter, and our newborn son (as of spring 2025). We love traveling, attending concerts and musicals, jigsaw puzzling, and anything else we can do with our kids.

Daniel Van Wagoner is a Private Wealth Advisor with The Van Wagoner Group at Merrill Private Wealth Management. He provides leadership, strategy, and guidance to an accomplished clientele focused on growing and stewarding their wealth effectively. Daniel applies extensive knowledge of the capital markets combined with his background in accounting to help clients streamline the complexities of significant wealth through a tax-sensitive framework tailored to their individual circumstances. Daniel joined Merrill in 2015 and became a member of The Van Wagoner Group in 2017. Prior to this, he worked at PricewaterhouseCoopers. He holds a Bachelor’s and a Master’s degree in Accountancy from Brigham Young University. Daniel has earned the Chartered Financial Analyst® (CFA) and Chartered Alternative Investment Analyst® (CAIA) designations and is a member of the Salt Lake City CFA Society. His expertise spans areas including corporate executive services, equity compensation, family wealth management, legacy planning, and alternative investments such as private equity, venture capital, hedge funds, and real estate. Outside of his professional role, Daniel enjoys spending time outdoors with his wife Sarah and daughter, including skiing and traveling, with a particular interest in Northern Europe, where he lived for several years and speaks Norwegian. He competes professionally in mountain biking and has represented the United States multiple times at the Marathon Mountain Biking World Championships. Daniel also has an interest in food and fine cheese.