Discover the People Behind Our Company

Ryan Individual

Ryan Larsen, CFP ®, EA, APMA

Ryan Larsen has successful and long-time working experience in the financial services industry since 2000. He believes in maintaining a strong fiduciary role with his clients. Ryan has built a fee-based Registered Investment Advisory (RIA) with transparency that removes potential conflicts of interest.

With much gratitude, Ryan receives great appreciation from the clients he serves for his attention to detail, thoughtful insight, and keen sense of listening. Further, he is surrounded by a knowledgeable team of professionals that have helped him foster and continue long-lasting relationships with clients.

As a Certified Financial Planner (CFP), Ryan has chosen to focus on advanced investment and tax planning strategies developed to further the goals and motivations of Refined Wealth Management’s clients. His strengths have provided him with an acute ability to serve clients employed by Fortune 500 companies with employer stock offerings.

With his wife, Jenny, and two wonderful girls, Ryan enjoys fitness, golfing, and recreational activities with his family.

Work Experience

Financial Advisor, 2014 to Present

Refined Wealth Management

Financial Advisor, 2000 to 2013

Ameriprise Financial Services, Inc


Bachelors, 1997

George Mason University

Burke, VA

  • CFP®
  • Enrolled Agent (EA)
  • APMA
  • Series 66
  • Insurance License
Matt Individual

Matt Williams, CFP ®

At a young age, Matt found and further developed a passion for finance, especially investing. He owned his first stock at age 12 and has been personally investing since. Matt’s passion for the stock market and similar investment strategies started when he discovered a fascination with the fact that both sound investments and time could potentially turn a little money into more. From that point forward, the goal was forever to work in financial markets. After receiving his degree from Weber State University in Finance and developing multiple successful small business ventures, Matt’s dream turned into reality. He entered the field of Finance and joined Ryan Larsen in 2012 and later helped create

Refined Wealth Management.

Work Experience

Financial Advisor, February 2014 – Present

Refined Wealth Management

Junior Financial Advisor, 2012 – 2014

Ameriprise Financial – Salt Lake City, UT

Junior Financial Planner, 2011 – 2012

Williams, Hanssen, & Farr Group


Bachelor, Business Administration Degree Emphasis in Finance, 2006

Weber State University

Ogden, UT

  • CFP®
  • Series 66
  • Insurance License
Kyle Edit

Kyle Woodlief, CFP®

Kyle graduated from Eastern Washington University with a BA in Finance and moved from Eastern Washington with his wife Sophie to further his career through Refined Wealth Management.  Kyle shares his value through his technical spreadsheet builds, attention to detail, technology implementation/understanding and care for the client's needs.  Kyle maintains a passion for learning about the financial industry and is highly valued at RWM.

Work Experience

RWM, Financial Advisor 2023 - Present

RWM, Para planner 2021- 2023


Bachelor, Business Administration Degree 

Emphasis in Finance, 2021

Eastern Washington University

Cheney, WA

  • CFP®
  • Series 65
Celia 2 Edit

Celia Boyle, Operations and Office Manager

Celia joined Refined Wealth Management in February after eleven years of nonprofit accounting. She graduated from the University of Puget Sound with a bachelor’s degree in Sociology. Her previous work experience was in QuickBooks, bookkeeping, budgets, and operations. She thrives on numbers, spreadsheets, and getting tasks done, all while helping others. Outside of work, she is a wife, twin, basketball Mom, dog Mom, and enthusiastic cook.