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What solar incentives are available in Utah?
As a homeowner in Utah, you have access to several different tax incentives that make solar panels more affordable. Solar incentives are available at both the federal and state levels to help you save thousands on your investment in solar energy.
Solar Calculator is here to help you take the next step in your transition to renewable energy. Below, we’ll discuss some of the different ways you can make solar more affordable.
Federal solar incentives
As part of the Inflation Reduction Act of 2022, congress passed several clean energy provisions to reduce energy costs. Among those provisions was an extension and upgrade of the Federal Investment Tax Credit (ITC).
Federal Investment Tax Credit
The Federal ITC allows you to claim 30% of your total equipment and installation costs on your federal taxes. There is no minimum or maximum amount you can claim and it includes equipment, installation, permitting, and even battery storage.
The ITC will remain at 30% until December 31, 2032. After that it will be reduced to 26% until December 31, 2033, then to 22% the following year. The ITC is currently set to disappear in 2035 unless it is renewed.
Who is eligible for the Federal ITC?
Most homeowners will qualify for the Federal ITC, but not all. You must meet the following criteria to claim your 30% tax credit:
The Federal ITC will also cover the following expenses:
Homeowners save around $10,000 on average with the Federal ITC. But that number can be higher or lower depending on your total expenses.
How to claim the Federal ITC
Claiming your Federal ITC couldn’t be easier. All you have to do is fill out IRS form 5695 and submit it with your tax return. You can consult with a tax professional for more assistance.
Local solar incentives
Who’s eligible : Commercial
How to apply : Note: The Federal Infrastructure Investment and Jobs Act (IIJA) created the National Electric Vehicle Infrastructure (NEVI) Formula Grant Program with a total budget of $5 billion. Each state was allocated a share of that total to help build out a national network of electric vehicle charging stations along designated alternative fuel corridors (AFCs). With some limited exceptions, EV charging stations funded through the NEVI program should be spaced 50 miles apart and within one mile of the Interstate exit or highway. The Utah Department of Transportation’s (UDOT) NEVI plan includes achieving build out status along the state's AFCs including I-15, I-70, I-80, I-84, I-215, and portions of US-6 and US-191.The state also plans to identify and begin building high-priority corridors that provide access to Utah’s five National Parks, forty-two State Parks, and other places of interest. Utah plans to use a blend of contracting approaches to complete the projects. An updated plan was published in August 2023. Much of the plan remains the same with most of the updates being in response to the newly issued NEVI Standards and Requirements 23 CFR 680. In December 2023, UDOT published a list of recipients who have received conditional awards for the RFA -Phase 1.
Who’s eligible : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government, Agricultural, Institutional
How to apply : Utah requires the state's only investor-owned utility, Rocky Mountain Power (RMP), and most electric cooperatives* to offer net metering to customers who generate electricity using solar energy, wind energy, hydropower, hydrogen, biomass, landfill gas, geothermal energy, waste gas, or waste heat capture and recovery. The bill that established net metering also established some basic rules for interconnection. In April 2010, the Utah Public Service Commission (PSC) adopted final rules for interconnection. The rules described below took effect April 30, 2010. Utah’s interconnection rules are based on the Federal Energy Regulatory Commission’s (FERC) interconnection standards for small generators, adopted in May 2005 by FERC Order 2006. Utah's rules for interconnection include provisions for three levels of interconnection for systems up to 20 megawatts (MW) in capacity, based on system complexity. Interconnection requirements, standards and review procedures are divided into three levels: Level 1 Interconnection applies to inverter-based systems with a maximum capacity of 25 kilowatts (kW). These systems must comply with the IEEE 1547 and UL 1741 standards, and other applicable standards. An external disconnect switch is not required for inverter-based systems 10 kW or less. Level 2 Interconnection applies to systems with a maximum capacity between 25 kW and 2 MW, or that fail to qualify for Level 1 interconnection. These systems also must comply with the IEEE 1547 and UL 1741 standards, and must be connected to the distribution grid. An external disconnect switch may be required. There are specific limitations on a single system's potential impact and the aggregate potential impact on the grid under Level 2 interconnection, and the review process is more involved than the review process for Level 1 interconnection. Level 3 Interconnection applies to systems 20 MW or less that do not qualify for either Level 1 or Level 2 interconnection. Level 3 interconnection may require studies involving project scope, feasibility, and grid impact. Any study fees will be invoiced to the interconnection customer, but are not to exceed 125% of the utility's non-binding "good faith estimate" of the cost of the study. The interconnection rules for Rocky Mountain Power are available here. * Beginning in March 2008, electric cooperatives serving fewer than 1,000 customers in Utah may discontinue making net metering available to customers that are not already net metering. In addition, electric cooperatives not headquartered in Utah that serve fewer than 5,000 customers in Utah are authorized to offer net metering to their Utah customers in accordance with a tariff, schedule, or other requirement of the appropriate authority in the state in which the co-op's headquarters are located.
Who’s eligible : Commercial, Industrial, Agricultural, Multifamily Residential
How to apply : Note: In 2010, the Federal Housing Finance Agency (FHFA), which has authority over mortgage underwriters Fannie Mae and Freddie Mac, directed these enterprises against purchasing mortgages of homes with a PACE lien due to its senior status above a mortgage. Most residential PACE activity subsided following this directive; however, some residential PACE programs are now operating with loan loss reserve funds, appropriate disclosures, or other protections meant to address FHFA's concerns. Commercial PACE programs were not directly affected by FHFA’s actions, as Fannie Mae and Freddie Mac do not underwrite commercial mortgages. Visit PACENation for more information about PACE financing and a comprehensive list of all PACE programs across the country. Senate Bill 221 of 2013 authorizes local governments to adopt Commercial* Property Assessed Clean Energy (C-PACE) financing programs. Senate Bill 273 of 2017 made several amendments to this program by expanding the scope of eligible projects and more clearly defining the process of developing and financing projects. C-PACE allows property owners to finance energy efficiency and clean energy improvements on their properties through a voluntary energy assessment lien that is levied against the owner’s property and repaid to the capital provider. The financing term is typically based on the useful life of the improvements and can extend up to 30 years. While the program includes a measure of involvement from the local government, Utah's C-PACE program is administered statewide by Sustainable Real Estate Solutions, Inc. (SRS). To qualify as an energy assessment area, the owner of the property must provide: The written consent of each person or institution holding a lien on the property Evidence that there are no delinquent taxes, special assessments, or water or sewer charges on the property Evidence that the property is not subject to a trust deed or other lien on which there is a recorded notice of default, foreclosure, or delinquency that has not been cured, and Evidence that there are no involuntary liens, including a lien on real property, or on the proceeds of a contract relating to real property, for services, labor, or materials furnished in connection with the construction or improvement of the property. Clean energy systems eligible for financing are limited to those up to 2 Megawatts (MW), and those above 2 MW serving load that the public utility does not already serve.
Who’s eligible : State Government
How to apply : On March 17, 2006, H.B. 80 was enacted in Utah, requiring the Division of Facilities Construction and Management to administer the State Building Energy Efficiency Program (SBEEP). SBEEP provides funding resources, tools, and cost-effective methods for efficient design, construction, and operation. The Division is responsible for developing guidelines and procedures to improve energy efficiency in the maintenance and management of state facilities, providing assistance to agencies in their efforts to improve energy efficiency, and identifying opportunities for improved energy efficiency. The Division is also tasked with establishing an advisory group to assist with development and implementation of the energy efficiency program. Each state entity must develop strategies for improving energy efficiency and reducing energy costs and provide energy consumption and cost information, as well as information regarding the agency’s energy efficiency and reduction strategies to the Division. Agencies may enter into a performance efficiency agreement for a term of up to 20 years.
Who’s eligible : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government
How to apply : Utah's solar easement provision is similar to easement provisions in many other states. Parties may voluntarily enter into written solar easement contracts that are enforceable by law. An easement must be created in writing and filed, duly recorded, and indexed in the office of the recorder of the county in which the easement is granted. A solar easement, once created, runs with the land and does not terminate unless specified by conditions of the easement. Any deed, will or other instrument that creates a solar easement must include: A description of the affected properties A spatial description of the solar skyspace in question. Any terms or conditions under which the solar easement is granted or may be terminated. Any provisions compensating the burdened party or, in the event of interference, the benefitted party. Any other provisions necessary to execute the instrument. Note: A solar easement may be enforced by injunction or proceedings in injunction or other civil action. Solar Access: Under Utah's solar rights law, enacted in 2017, community association governing documents other than declarations and association rules may not prohibit or restrict owners of detached or attached dwellings from installing solar energy systems. The solar rights law does not apply to dwellings where the association has an ownership interest in or maintenance obligations for the roof. The law also does not apply to express prohibitions or restrictions on solar energy systems recorded in declarations or created by official association action before January 1, 2017. An association declaration may prohibit the installation of solar energy systems. Declarations, as well as association rules, may impose a restriction based on system size, location, and placement on owners of lots with detached dwellings from installing solar energy systems if the restriction (1) decreases the solar energy system's production by 5% or less and (2) increases the solar energy system's cost of installation by 5% or less. Declarations and association rules may require solar energy systems to meet healthy, safety, building, and performance standards. Associations may also require roof-mounted systems to not extend above the roof line or to use a color or texture similar to the roofing material for the panel frame support bracket, or visible piping or wiring. For ground-mounted systems, associations may require that the system not be visible from the street. If a declaration does not expressly prohibit the installation of solar energy systems, the association may not amend the declaration to impose a prohibition unless the association approves the prohibition by a vote of more than 67% of the allocated voting interests. Associations may amend existing declarations including prohibitions on solar energy installations if a vote of more than 67% of voting interests is achieved. If litigation occurs to enforce these rules, the court may award the prevailing party an amount equal to its costs and reasonable attorney fees. Zoning State law also stipulates that local zoning authorities may adopt regulations that mandate solar access and specifically grants governing bodies the right to refuse any plat or subdivision plan if deed restrictions, covenants, or other agreements running with the land prohibit or have the effect of prohibiting reasonably sited and designed solar collectors or other renewable resource devices, including clotheslines.
Can you claim multiple tax incentives in Utah?
Yes. You are allowed to claim multiple solar incentives for the same installation. However, you can only claim each incentive once. For more guidance on how to claim your solar tax incentives, talk to your installer or consult with a licensed tax professional before submitting your tax forms.
Does Utah offer tax exemptions?
Net Metering
Category : Regulatory Policy
Website : https://sgcityutah.gov/departments/energy_services/net_metering_information.php
Applicable Sectors : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government, Agricultural, Multifamily Residential, Low Income Residential
Incentive Amount :
Implementing Sector : Utility
Category : Regulatory Policy
Website : https://www.murray.utah.gov/77/Net-Metering-Program
Applicable Sectors : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government, Agricultural, Multifamily Residential, Low Income Residential, Institutional
Incentive Amount :
Implementing Sector : Utility
Category : Regulatory Policy
Website : https://adminrules.utah.gov/public/rule/R746-312/Current%20Rules?searchText=net%20metering
Applicable Sectors : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government, Agricultural, Multifamily Residential, Low Income Residential, Institutional
Incentive Amount :
Implementing Sector : State
Rebate Program
Category : Financial Incentive
Website : https://www.rockymountainpower.net/savings-energy-choices/business.html
Applicable Sectors : Commercial, Construction, Industrial, Federal Government, Agricultural, Multifamily Residential
Incentive Amount : See incentive catalog for full details Lighting: varies widely by type Lighting Controls/Sensors: Varies widely Evaporative Cooling: $0.06/cubic feet per minute Indirect-Direct Evaporative Cooling: $0.15/kWh annual energy savings Evaporative Pre-cooler: $75/ton of attached cooling capacity Chillers: $0.15/kWh annual energy savings Air Conditioners: $25-$75/ton Advanced Rooftop Controls: $2,800-$4,500 Electronically Commutated Motors: $1/watt or $100/horsepower, depending on which application is filled out Variable-Frequency Drives: $200/horsepower Green Motor Rewinds: $1/horsepower Building Envelope: Varies Food Service Equipment: Varies Widely by Type Clothes Washer: $100 Heat Pump Water Heater: Not specified Smart Plug Strip: $5/qualifying unit Compressed Air: Varies Agricultural Equipment: Varies widely by type Oil and Gas Pump-off Controller: $1,500/Unit Adaptive Refrigeration Control: $0.15/kWh annual energy savings Fast Acting Door: $0.15/kWh annual energy savings Wastewater-Low Power Mixer: $0.15/kWh annual energy savings
Implementing Sector : Utility
Category : Financial Incentive
Website : https://www.rockymountainpower.net/savings-energy-choices/electric-vehicles.html
Applicable Sectors : Commercial, Residential
Incentive Amount : Non-Residential rebates Single port AC Level 2 Charger: $1,000 per charger up to 75% of total charger cost Multi-port AC Level 2 Charger: $1,500 per charger up to 75% of total charger cost Single port DC Fast Charger: $30,000 per charger up to 75% of total charger and installation costs Multi-Port DC Fast Charger: $42,000 per charger up to 75% of total charger and installation costs Residential Rebates AC Level 2 Charger: 75% of cost up to $200
Implementing Sector : Utility
Category : Financial Incentive
Website : https://www.thermwise.com/appliance-applications/
Applicable Sectors : Construction, Residential, Multifamily Residential
Incentive Amount : 750
Implementing Sector : Utility
Category : Financial Incentive
Website : https://wattsmarthomes.com/
Applicable Sectors : Residential, Installers/Contractors, Multifamily Residential
Incentive Amount : Appliances Clothes Washers: up to $25 Dishwashers: $20 Refrigerators: up to $25 Freezers: up to $25 Heat Pump Clothes Dryers: $150 Heat Pump Water Heater: $350 Room Air Cleaners: $25 Heating and Cooling Dual Fuel Heat Pumps: up to $1800 Ductless Heat Pumps: up to $1700 Air Source Heat Pumps: up to $1600 Ground Source Heat Pumps: up to $2000 Smart Thermostats: up to $75 Electronically commutated Motors: up to $100 Duct Sealing and Insulation: up to $400 Evaporative Coolers: up to $125 Rooftop Heat Tape Timer: up to $100 Room Air Conditioners: $20 Whole House Ventilation Fans: $75 Bathroom Exhaust Fans: $10 Weatherization Air Sealing: up to $0.10/sq. ft. Insulation: up to $0.65/sq. ft. Windows: up to $3.00/sq. ft. Accessories Engine Block Heater Controls: $125 Lighting Occupancy Sensors: $10 Smart Plugs: $5 Smart Switches: $10 Multifamily Rebates Market Rate Rebate per kWh saved New Construction: $0.23/kWh saved HVAC: $0.39/kWh saved Lighting: $0.11/kWh saved Appliances: $0.20/kWh saved Building Shell: $0.23/kWh saved Windows: $0.39/kWh saved Domestic Hot Water: $0.20/kWh saved HP Water Heater: $0.39/kWh saved Low Income Rebate per kWh saved New Construction: $0.28/kWh saved HVAC: $0.47/kWh saved Lighting: $0.13/kWh saved Appliances: $0.23/kWh saved Building Shell: $0.27/kWh saved Windows: $0.47/kWh saved Domestic Hot Water: $0.23/kWh saved HP Water Heater: $0.47/kWh saved
Implementing Sector : Utility
Category : Financial Incentive
Website : https://www.thermwise.com/business-rebates/
Applicable Sectors : Commercial, Local Government, Nonprofit, State Government, Federal Government
Incentive Amount : Food Service Equipment: Varies by type Clothes Washer/Dryer: $75 Dryer Moisture Sensor: $25 Storage Gas Water Heater: $100 or $2/kBtu/hour input Tankless Gas Water Heater: $2-$3/kBtu Hybrid Gas Water Heater: $350 Combined Space/Water Heater: $450 Direct-Contact Gas Water Heater: $1.10/kBtu Condensing Gas Storage Water Heater: $350 Solar Assisted Pool Water Heating: $750 Dual-Fuel Heating System: $1,000-$1,200 Furnace: $300-$350 Gas Boiler (hot water): $2.00 - $3.50 per kBtu/hr input Gas Boiler (steam): $2.00/kBtu Unit Heater: $1.25-$6/kBtu Infrared Heating System: $5.00/kBtu Modulating Gas Infrared Heating System: $2.50 - $7.50 per kBtu/Hr Input Boiler Outside-Air Reset Control: $250 Boiler Tune-up: up to $300 Condensing Indirect Fired RTU (rooftop unit): $5.00 per kBtu/Hr Input Direct Fired Heaters: $6.00 per kBtu/Hr Green Certified New Building: $0.05/square foot Demand Control Ventilation System: $400 or $0.05 per AHU/RTU/MAU design supply CFM up to 50% of DCV controls and sensor cost Roof Insulation: $0.08/sq. ft. Wall Insulation: $0.12/sq. ft. Pipe Insulation: $1.50 - $4.00/sq. ft. Smart Thermostat: $0.07/sq. ft. or 50% of thermostat cost, capped at $100
Implementing Sector : Utility
Category : Financial Incentive
Website : https://www.thermwise.com/rebates/
Applicable Sectors : Residential, Multifamily Residential, Low Income Residential
Incentive Amount : Smart Thermostat: $50-$75 Smart Water Heater Controller: $50 Dual-Fuel Heating System: $1,000-$1,200 Energy Recovery Ventilation: $300 Storage Water Heater: $100-$350 Tankless Water Heater: $300 Hybrid Water Heater: $350 Solar Assisted Water Heating: $750 Combined Space and Water Heater: $750 Smart Water Heater Controller: $50 Furnace: $300-$350 Boiler: $400-$600 Boiler Reset Control: $100 Fireplace: $200
Implementing Sector : Utility
Category : Financial Incentive
Website : https://www.thermwise.com/builder-rebates/
Applicable Sectors : Construction, Residential, Multifamily Residential
Incentive Amount : Windows: $2.50/sq. ft. Exterior Wall: $150 Exterior Insulation: $200 High Efficiency Gas Furnace: $300 - $350 HVAC Monitoring System: $50 Dual-Fuel Heating System: $1,000-$1,200 High Efficiency Gas Storage Water Heater: $100 Water Heater: $100 - $750 Energy Recovery Ventilation: $300 Tankless Water Heater: $300 Water Heater Controller: $50 Solar Assisted Water Heating: $750 Boiler: $400 - $600 Smart Thermostat: $50-$75 New Construction Homes: Varies
Implementing Sector : Utility
Grant Program
Category : Financial Incentive
Website : https://udotinput.utah.gov/evplan?HTTPSRedirected=true
Applicable Sectors : Commercial
Incentive Amount : Varies, grants are awarded competitively
Implementing Sector : State
Category : Financial Incentive
Website : https://deq.utah.gov/air-quality/workplace-electric-vehicle-charging-funding-assistance-program
Applicable Sectors : Commercial, Local Government, Nonprofit
Incentive Amount : Up to 50% of cost
Implementing Sector : State
Category : Financial Incentive
Website : https://air.utah.gov/altfuel/index.php
Applicable Sectors : Commercial
Incentive Amount : 50% of the cost of conversion system and associated labor up to $2,500
Implementing Sector : State
Energy Standards for Public Buildings
Category : Regulatory Policy
Website :
Applicable Sectors : Commercial, Local Government, Multifamily Residential
Incentive Amount :
Implementing Sector : Local
Category : Regulatory Policy
Website : https://dfcm.utah.gov/energy-efficiency-program/
Applicable Sectors : State Government
Incentive Amount :
Implementing Sector : State
Interconnection
Category : Regulatory Policy
Website :
Applicable Sectors : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government, Agricultural, Institutional
Incentive Amount :
Implementing Sector : State
PACE Financing
Category : Financial Incentive
Website : https://utahcpace.com/
Applicable Sectors : Commercial, Industrial, Agricultural, Multifamily Residential
Incentive Amount :
Implementing Sector : State
Solar/Wind Access Policy
Category : Regulatory Policy
Website :
Applicable Sectors : Commercial, Industrial, Local Government, Nonprofit, Residential, Schools, State Government, Federal Government
Incentive Amount :
Implementing Sector : State
Sales Tax Incentive
Category : Financial Incentive
Website :
Applicable Sectors : Commercial, Industrial, Investor-Owned Utility, Municipal Utilities, Cooperative Utilities
Incentive Amount : 1
Implementing Sector : State
Renewables Portfolio Standard
Category : Regulatory Policy
Website :
Applicable Sectors : Investor-Owned Utility, Municipal Utilities, Cooperative Utilities
Incentive Amount :
Implementing Sector : State
Bond Program
Category : Financial Incentive
Website : https://le.utah.gov/xcode/Title11/Chapter17/11-17.html
Applicable Sectors : Commercial, Industrial, Institutional
Incentive Amount : Locally Determined
Implementing Sector : State
Building Energy Code
Category : Regulatory Policy
Website : https://www.energycodes.gov/status/states/utah
Applicable Sectors : Commercial, Residential
Incentive Amount :
Implementing Sector : State
Personal Tax Credit
Category : Financial Incentive
Website : https://energy.utah.gov/tax-credits/renewable-energy-systems-tax-credit/
Applicable Sectors : Commercial, Residential, Multifamily Residential, Low Income Residential
Incentive Amount : Residential systems: 25% of installed cost Commercial wind, solar, geothermal electric, and biomass systems smaller than 600 kW, and solar smaller than 2 MW: 10% of installed cost Commercial systems 660 kW or greater: 0.35¢/kWh ($0.0035/kWh) Hydrogen systems: $0.12/kg of hydrogen
Implementing Sector : State
Category : Financial Incentive
Website : https://energy.utah.gov/tax-credits/aedi/
Applicable Sectors : Commercial, Industrial
Incentive Amount : 75% of new state tax revenues (including, state, corporate, sales and withholding taxes) over the life of the project or 20 years, whichever is less.
Implementing Sector : State
Corporate Tax Credit
Category : Financial Incentive
Website : https://energy.utah.gov/tax-credits/renewable-energy-systems-tax-credit/
Applicable Sectors : Commercial, Residential, Multifamily Residential, Low Income Residential
Incentive Amount : Residential systems: 25% of installed cost Commercial wind, solar, geothermal electric, and biomass systems smaller than 600 kW, and solar smaller than 2 MW: 10% of installed cost Commercial systems 660 kW or greater: 0.35¢/kWh ($0.0035/kWh) Hydrogen systems: $0.12/kg of hydrogen
Implementing Sector : State
Category : Financial Incentive
Website : https://deq.utah.gov/air-quality/incentive-programs-aq/alternative-fuel-heavy-duty-vehicle-tax-credit-program
Applicable Sectors : Commercial
Incentive Amount : 2021: $15,000 (credit reduces each year to $1,500 in 2030 before expiring)
Implementing Sector : State
Category : Financial Incentive
Website : https://energy.utah.gov/tax-credits/aedi/
Applicable Sectors : Commercial, Industrial
Incentive Amount : 75% of new state tax revenues (including, state, corporate, sales and withholding taxes) over the life of the project or 20 years, whichever is less.
Implementing Sector : State
Solar/Wind Contractor Licensing
Category : Regulatory Policy
Website : http://www.dopl.utah.gov/licensing/contracting.html
Applicable Sectors : Installers/Contractors
Incentive Amount :
Implementing Sector : State
What is the best way to pay for solar?
Cash payments
Paying cash upfront is easily the simplest and most cost-effective route — if you can afford it. It lets you maximize your total savings by avoiding interest rates and other fees. You also don’t have to worry about making monthly payments. But the downside is you have to spend a lot of cash at once which isn’t an option for everyone.
Pros
Cons
Financing
Financing solar panels is probably the most common payment method. You get to own the system — as opposed to leasing — but you don’t have to spend all your cash at once. And although you do have to pay interest, you can secure a fairly low interest rate as long you have good credit.
Pros
Cons
Solar leases and PPA agreements
If purchasing solar equipment isn’t an option for you, a lease or a PPA may be worth exploring. This is where you are essentially “renting” the equipment for a fixed rate each month. And although you don’t have ownership of your system, there are other benefits such as maintenance and servicing agreements.
Pros
Cons
Going solar doesn’t have to break the bank
Going solar is becoming more affordable than ever. And thanks to a variety of solar incentives in Utah, you can save thousands more on your investment.
Want to get an idea for what it will cost you to go solar? You can use our solar cost calculator to generate a customized estimate instantly. We take into consideration a wide range of criteria including location, electric bill, roof size, and other factors. Try it out today and start planning for your future.
