Guaranteed Retirement Income, Tax Strategy, And Downside Protection How Capital Growth Management Helps Utah Business Owners Keep More Of What They Earn
Featuring Curtis G. Marsh, Capital Growth Management (Salt Lake City, UT).
Curtis G. Marsh is the founder of Capital Growth Management and CGM Wealth Advisors, a Utah-based wealth management and tax strategy firm built around guaranteed retirement income, downside protection, and wealth preservation. Curtis G. Marsh started his career in 1986 with Merrill Lynch and Shearson Lehman Brothers, worked across several major Wall Street firms, and founded Capital Growth Management in 2006 to deliver a different model — one where the goal is not chasing returns but protecting clients on the downside and creating retirement income clients cannot outlive. Curtis G. Marsh and his team serve middle America through high net worth clients with hedging strategies, indexing, guaranteed income vehicles, and roughly seven distinct tax mitigation strategies including charitable historical-document donation programs partnered with the University of Utah and UNLV. About 80 percent of the CGM Wealth Advisors tax strategy business comes from CPA partnerships across Utah, with Curtis G. Marsh stepping in as the strategist alongside the prep-and-file accountant. Curtis G. Marsh is a frequent speaker at colleges and corporate seminars, an active charitable partner of the Christmas Box House and other Utah causes, and a consistent voice on financial discipline, the time value of money, and the difference between speculation and long-term wealth structure. Find Curtis G. Marsh at cgmwealthadvisors.com.
Filmed at Bad Bet Productions, Sandy, Utah.
Episode Summary
On this episode of Utah Business Spotlight, host Peter Anthony sits with Curtis G. Marsh, founder of Capital Growth Management and CGM Wealth Advisors. Curtis G. Marsh started in financial services in 1986 with Merrill Lynch and Shearson Lehman Brothers, founded Capital Growth Management in 2006, and built the firm around a single thesis: it is not what you make, it is what you keep — and zero is your hero.
Curtis G. Marsh walks Peter Anthony through the firm's core strategy of guaranteed retirement income built through hedging strategies, indexing, and a disciplined focus on protecting clients on the downside. Curtis G. Marsh frames inflation as the silent wealth killer — healthcare costs alone up roughly 30 percent for retirees — and explains why high net worth without a paycheck is not the same as financial freedom. The Capital Growth Management approach is built so clients have income they cannot outlive.
The conversation moves into tax strategy, which Curtis G. Marsh sharply distinguishes from tax preparation. Roughly 80 percent of CGM Wealth Advisors' tax strategy business comes from CPAs who only prep and file. Curtis G. Marsh deploys roughly seven different tax mitigation strategies — including a charitable historical-document donation strategy where clients purchase historically significant western mining and Bamberger family documents at one value, donate them to institutions like the University of Utah and UNLV at appraised fair market value, and capture a substantial charitable deduction while preserving the documents in perpetuity.
Curtis G. Marsh and Peter Anthony go deep on why business owners cannot afford to wait. Self-employed Utah operators do not get a corporate retirement plan handed to them. Compounding interest cannot be replaced. Curtis G. Marsh shares the discipline taught to him at 23 and to his granddaughter today — pay yourself first, even ten percent — and references The Richest Man in Babylon, Think and Grow Rich, and Rich Dad Poor Dad as the foundational reading list. The episode closes on Bitcoin, speculation, market crashes including the 1987 and 2008 drawdowns, and the Christmas Box House charity Capital Growth Management is supporting this year. Find Curtis G. Marsh at cgmwealthadvisors.com. Utah Business Spotlight is produced by INCubator Marketing Agency and filmed in Sandy, Utah.
Key Moments
00:00 Zero Is Your Hero · 00:19 Peter Anthony Welcomes Curtis G. Marsh · 01:11 Capital Growth Management's Core Strategy · 01:50 Guaranteed Retirement Income · 02:23 Inflation And The Silent Wealth Killer · 03:19 Protecting Clients On The Downside · 04:00 Why Business Owners Need Income Planning · 05:03 Tax Strategy Beyond Filing · 06:38 Historical Documents And Charitable Planning · 08:10 How The Donation Strategy Works · 11:24 Why Waiting Costs Business Owners · 12:31 Tax Strategists vs. Accountants
Notable Quotes
"It is not what you make. It is what you keep. And zero is your hero." — undefined
"We strive to create guaranteed retirement income clients cannot outlive." — undefined
"Inflation is a silent killer. It does not discriminate." — undefined
"You cannot make up compounding interest." — undefined
Frequently Asked Questions
Who is Curtis G. Marsh?
Curtis G. Marsh is the founder of Capital Growth Management and CGM Wealth Advisors, a Utah-based wealth management firm focused on guaranteed retirement income, tax strategy, and downside protection. Curtis G. Marsh began his career in 1986 with Merrill Lynch and Shearson Lehman Brothers and founded Capital Growth Management in 2006 to build a firm centered on what clients keep, not just what they earn.
What does Capital Growth Management actually do?
Capital Growth Management designs guaranteed retirement income strategies, deploys roughly seven distinct tax mitigation strategies, and protects clients on the downside through hedging strategies and indexing. Curtis G. Marsh and his team serve middle America through high net worth clients, partner with CPAs across Utah, and integrate charitable planning into the overall wealth structure.
What is the historical document charitable donation tax strategy?
Curtis G. Marsh's firm gives clients access to historically significant western mining and Bamberger family documents stored at a Salt Lake City museum. Clients purchase the documents at one value, donate them to institutions like the University of Utah or UNLV at an appraised fair market value of roughly four times the purchase price, and capture a substantial charitable contribution deduction. The documents are preserved in perpetuity and the donor joins the university donor network.
What is the difference between a tax strategist and an accountant?
Curtis G. Marsh explains that CPAs and tax preparers do excellent prep-and-file work, but most do not engineer proactive tax mitigation strategies. A tax strategist designs the moves before the year ends — entity structure, charitable planning, retirement income vehicles, and timing — so business owners legally pay less and keep more. About 80 percent of the CGM Wealth Advisors tax strategy business comes from CPA referrals.
How do I work with Curtis G. Marsh?
You can find Curtis G. Marsh and Capital Growth Management at cgmwealthadvisors.com or connect with Curtis G. Marsh on LinkedIn and Facebook. The firm serves Utah business owners and individuals with retirement income planning, tax strategy, charitable planning, CPA partnerships, and wealth preservation.
About INCubator Marketing Agency
INCubator Marketing Agency is Utah's first AI-integrated marketing infrastructure team, headquartered in Sandy, Utah and serving small businesses, founders, and operators across Utah County, Salt Lake County, and the wider Wasatch Front.
Every engagement is built around the INCubator Method: seven core marketing systems — authority web design, local SEO, CRM and pipeline, marketing automation, AI voice receptionists, video content, and conversion-focused funnels — installed together as one accountable infrastructure so every dollar compounds month over month.
The agency was founded by Peter Anthony Wynn (Founder & Marketing Strategist) with Marc Olsen (Partner & Automation Expert) and Chelsie Wynn. INCubator operates Utah Business Spotlight, a long-form Utah small business podcast filmed at Bad Bet Productions in Sandy, Utah, and hosts Tuesday Night at the INCubator — a weekly marketing training and networking event for Utah business owners.
Contact: team@incubatormarketingagency.com · +1 385-386-6988 · Office hours Monday through Friday, 9 AM to 5 PM Mountain Time.