Services
Investments
personalized approach to investing
At Swenson Wealth we believe no two investors are alike. In order to help each client pursue their financial goals, we use a personalized approach to investing. Our advice and recommendations are tailored to our clients’ investment goals, desired return objectives, risk tolerance, time horizon and income needs. The investment strategies that we select are designed based on your investment goals.
RETIREMENT planning
manage and structure your income sources
Income planning for retirement can be a daunting task for many retirees because there is a lot to learn. We are here to help you navigate through each of the three income planning phases – accumulation, distribution, and preservation or transfer – and to help you make sense of the tax advantaged vehicles used to accomplish your retirement income goals.
life insurance
secure your loved ones’ future
Although some people view life insurance as a way to replace lost income or pay off debt after a loved one passes, it also offers other potential benefits that may make it a valuable tool to help accomplish different financial goals in retirement.
Life insurance may provide some degree of comfort for the policyholder (the insured) because their loved ones (the beneficiaries) will receive a death benefit when they pass away.
estate planning
organize your assets, wishes, and legal directives
Estate planning is one key element of any retirement strategy and helps ensure that you leave a legacy of family harmony, regardless of the size of your estate. Whether your priorities are preserving assets for future use or transferring your wealth to beneficiaries, we can help you build a plan that fits your needs and seeks to help maintain family harmony after you’re gone.
tax planning
take advantage of all strategies
Determining your current and future tax liability and developing a strategy that minimizes how much you pay during retirement is one part of building a retirement strategy. Taxes can impact your legacy and the assets you’ll be able to transfer to your heirs and beneficiaries. We recommend taking steps to help ensure that you’re taking advantage of any possible tax minimization strategies to help maintain the retirement you’ve worked hard to build.
Medicare
help to maximize this benefit in retirement
While there is no shortage of things to prepare for in retirement, it’s critical to also address your health needs and concerns by crafting a comprehensive health care strategy. There are various ways to accomplish this, with Medicare being the most important for many Americans.
Medicare generally provides health insurance for most people age 65 and older, and others who have received Social Security disability benefits for at least 24 months. Medicare is similar to Social Security, since it is a federal program that you have paid into throughout your career. Just like Social Security, you want to maximize this benefit in retirement.
social security
understanding your benefit
If you’re like many retirees, your Social Security benefit represents years of savings and hard work and may be the foundation upon which you plan to build and grow your retirement income. Though most Americans have some basic familiarity and knowledge on the topic, far less are able to determine — on their own — the optimal way to file so they can maximize their benefit and carefully integrate it into the rest of their retirement strategy. We help our valued clients develop an understanding of their Social Security benefit, and both educate and inform them on the optimal time to start accepting their benefit.