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January 2021 Newsletter


Happy New Year from all of us at Swenson Wealth Management! 

The year 2020 will undoubtedly go down in the history books as unprecedented.  Looking back, one unexpected upside of the pandemic was it caused people to want to get their financial houses in order.  For us, our firm received more inquiries about planning and investing than ever before.  As advisors, we are certainly ready and want to be here to help our clients.

We expect the new year is going to be equal parts Covid-19 continuation and post-pandemic recovery.  We hope, as we look to 2021, our financial planning includes being ready to travel, attend concerts and do all the things necessary as we build back our economy. 

2021 tax laws continue to offer ample opportunities for investors. Individuals with 401(k) plans can contribute up to $19,500 to their plan from their salary, and for those age 50 or older, an additional $6,500 catch up contribution is available. Eligible individuals can save up to $6,000 in a traditional or Roth individual retirement account (IRA) with a $1,000 additional catch-up contribution for those age 50 or older. Expanded income tax brackets coupled with low tax rates provides opportunity to convert pre-tax retirement accounts to tax-free Roth IRA accounts and manage future taxes and retirement costs such as Medicare premiums.

Warmest Wishes,

Swenson Wealth Management Team
Travis, Mark, Brady, Zach, Kathy, Suzie, Wendy and Makayla


If you are looking for a good new year’s resolution:

Resolve to make the simple step of increasing your retirement plan contribution by 1%-2%. This can be quite potent in strengthening your retirement plan. Do the math – if you make $70,000 per year and get paid every two weeks, increasing your retirement plan contribution by 1% only subtracts a mere $26 per paycheck.

Evaluate the risk you have in your investment accounts.  If you are young, you can embrace more risk, and as you age, slowly back off on risk.  We always encourage you to look at the risk/reward tradeoffs of your investments and visit with your financial adviser.   



What To Do When Retirement Is Right Around The Corner

If you’re like many people, the majority of your retirement strategy has been in planning and doing over decades. But what about when you’re almost ready to retire? Your strategy is likely to change.​

Continue Reading Here



The Berner Street Hoax¹

At around 5am there was a knock on the door of 54 Berners Street, London. It was a chimney sweep, but the maid suggested he had the wrong house. A few moments later another sweep arrived, then another until the exasperated maid had sent away 12 in total. Next came the cake makers carrying wedding cakes. Vicars and priests arrived to minister last rites. By now the streets were clogged, aided by the arrival of fishmongers, boot-makers, shoemakers, haberdashers, hat makers, butchers’ boys and a queue of pianos.

Opposite 54 Berners Street stood Theodore Edward Hook. Hook had just won a bet: that, within a week, he could transform any house in London into the most talked-about in the city. He had sent out 4,000 orders or requests, to tradesmen, professionals and dignitaries, requiring them to present themselves at Mrs. Tottenham’s. In the process he brought a large part of London to a stand-still and triumphantly won his wager.


Why Family Business Should Have Succession Plans

The family drama surrounding an aging media mogul and his unresolved succession plans are at the center of a hit television show.

In fact, only 18% of family businesses have a documented and communicated succession plan in place.² Much like the fictional billionaire in “Succession,” some leaders avoid the issue because they love running their businesses and don’t want to stop any time soon.

Read More Here



Almond Flour Brownies

A Gluten Free Treat.

Get Cooking!


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​2 US Family Business Survey, PwC, 2019

Investment advisory services offered through Alternative Investment Advisors, LLC, an SEC Registered Investment Advisor. Alternative Investment Advisors, LLC and its advisors do not render tax, legal or accounting advice. Fixed insurance products and services are offered through Swenson Wealth Management.

Swenson Wealth Management and their individually licensed and appointed insurance agents, and Alternative Investment Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.


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