How We Help You With


Long-Term Care

Wealth Strategies

Retirement Planning



We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. WIth this information, we can begin to craft a plan to achieve your goals.


The best person to make decisions for your financial future is you. We provide you all the information on potential solutions and give you the confidence to choose which is best for you and your family.


The plan we help you create is unique to you so, as your situation and life changes, so should your plan. We are here to help you modify it so that it meets your changing needs.



Beehive Retirement Planning Services (BRPS) is in the service of helping retirees and those nearing retirement. As your financial team, our mission is to walk you through a smooth retirement to help you achieve your income planning goals.

At BRPS we review your portfolio and design a program based on your needs to help protect you throughout the years. This may include estate planning, catastrophic illness, finding low risk and low volatility investments with high probability of success, life insurance, and helping you receive an income stream for life to prevent running out of money with annuity based products.


Cory Payne has been helping people plan their financial futures since 1979. After watching the 2007-2008 economic meltdown, and its devastating effects on people’s nest eggs, Cory began specializing in retirement income planning.

With more than 35 years of risk management focus, he is now educating clients on managing their retirement income planning risks and on Social Security planning, life insurance, annuities, investment education, long-term-care strategies, Medicare options and understanding risk.

Cory provides his clients with an analysis of their current financial situation, helping them reach retirement income goals and avoid “blind spots” in their planning.

He is a past president of both the Independent Insurance Agents of Utah and the Independent Insurance Agents of Salt Lake. He also was named the Utah Association of Independent Insurance Agents “Agent of the Year” in 2003.

An avid swimmer, Cory has swum San Francisco Bay’s Alcatraz crossing, a feat for only the hardiest among us, an impressive six times.


There are many questions facing today’s retirees and people preparing for retirement: Will I receive Social Security benefits with the rise in the number of retired Baby Boomers? How can I afford to pay the costs of increasing medical expenses as well as rising healthcare costs? Will I run out of money in my retirement?

As your financial team, BRPS is ready to answer these questions for you. Our goal is to help you protect your nest egg and increase your capital through our disciplined and conservative approach. Let us show you how you can potentially:

  • Increase Retirement Cash Flow
  • Provide Tax-free Vehicles For Retirement Cash Flow
  • Generate Returns on Currently Idle Assets
  • Avoid Probate
  • Pass IRA’s on to Family Members While Maximizing the Ability to Defer Taxes.

Retirement is the time for each of us to set out on our dreams and make them come true. BRPS can help you get there!

Together we’ll work with you to build a customized financial plan. We will review it with you continually and look for growth opportunities to help ensure your retirement is working for your current needs.


Social Security

When and how you take your Social Security benefits could mean the difference of thousands of dollars to you. We can help you weight your options.

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Wealth Strategies

Would you like to “Super Charge” your wealth, preserve your estate, and not affect your budget? Everyone has a different road to retirement and we are here to help you find the best path to suit your individual needs.

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Long-Term Care

Long-term Care and be expensive. Paying for long-term care out of your pocket can eat a huge chunk out of your nest egg. Without a strategy to protect yourself, you could be facing unexpected costs without a plan to pay for them. Is there a way to protect yourself against this?

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Retirement Planning

Too many Americans have no financial plan for retirement. Our team is dedicated and seasoned in helping you preserve your assets and serve your financial needs. We strive to help you increase your income, reduce your taxes, provide growth with safety and help you create income to stretch throughout your golden years.

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Beehive Retirement Planning Services

302 West 5400 South #101
Murray, Utah 84107


Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Beehive Retirement Planning Services. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade and Jefferson National Life Insurance Company. © Copyright 2018 – Beehive Retirement Planning Services