Avier Wealth Advisors

Happy International Women’s Day! I am absurdly lucky to work beside, learn from, and build with an incredible group of female leaders at Avier Wealth Advisors! So much of the credit for what we continue to create belongs to Kaitlynn Burnett, FPQP?, Marisol Fung, CIMA?, Courtney Gerhmann, Saloni Gupta, CFP?, Lisa Harper, Tiffany Shafer, Tiff Stoner, CFP?, Aaren Strand, CFP?, Samantha Torres, CFP?, CLU?, and Katelynn Toth, CFP?!

A heartfelt thank you to all the incredible women on International Women’s Day - especially those who have influenced my life both personally and professionally - specifically the incredible team of women at Avier Wealth Advisors. My journey wouldn’t be the same without you. Katelynn Toth, Samantha Torres, CFP?, CLU?, Aaren Strand, CFP?, Tiff Stoner, CFP?, Tiffany Shafer, Lisa Harper, Saloni Gupta, CFP?, Courtney Gehrmann, CFP?, Marisol Fung, CIMA?, Kaitlynn Burnett, FPQP?

This year marks our 25th anniversary!?? ? It's been an incredible journey that started in a one-room office 25 years ago. Today, we can proudly say we serve over 500 families in 24 states while managing nearly 1 billion dollars of client assets.? ? There is so much ahead for our clients and for our team in 2025 and beyond, starting with this exciting news… ? This year Aaren Strand, CFP? will work alongside Dave Welty, CFP? as Co-Managing Partner and will fully assume the Managing Partner role in 2026. ? ??Congratulations, Aaren, on this well-deserved accomplishment!?? ? Aaren joined our team in 2021 as a Lead Advisor and Director of Financial Planning and became a partner in 2023. Her dedication to our clients, the financial planning industry, and our team is evident in all she does. ? And we’d be remiss to not acknowledge Dave Welty – whose vision will continue to guide Avier. ?He built a firm that is focused on doing what is best for our clients while creating a culture that allows the team to thrive. ? What’s next for Dave? He’s not going anywhere. He will continue to do what he loves at Avier – focusing on engaging with prospective and existing clients, mentoring members of our team, and continuing to help set the direction of the firm. ? Outside of Avier, he will have more time to spend on his passion for traveling and experiencing the world with family and friends. “Fish on, Dave!”?? ? The future is bright at Avier - we can’t wait to see what the next 25 years will bring!

What’s new for your HSA in 2025? An increase in HSA contribution limits means you have more opportunities to save for future medical expenses while reducing your 2025 taxable income. 2025 Federal Defined Contribution Limits: >>?Individuals up to $4,300 >>?Families up to $8,550 >>?If you’re 55 or older, you can make a catch-up contribution of $1,000 The triple-tax advantage of an HSA: >>?Contributions are tax deductible. >> The funds in your HSA grow tax free over time. >>?Tax-free withdrawals when used for qualified medical expenses. ? Another advantage of an HSA is the potential for investment growth. If you can pay your medical expenses out-of-pocket and avoid using HSA funds you can invest and grow your contributions over time.

The Mega Backdoor Roth is a big deal and should be on your radar for 2025! This benefit allows you to contribute after-tax dollars and convert those dollars to Roth. The beauty of converting dollars to Roth is that you may not have to pay taxes on those dollars when accessed in retirement. The 2025 401(k) Federal Defined Contribution Limits are: ??$70,000 if you’re under 50 ???$77,500 if you’re age 50-59 or 64 and older ??$81,250 If you are between the ages of 60-63 and still working (New for 2025!) Here are a few reasons why this is one of our favorite benefits. The Mega Backdoor Roth enables you to: ?? Contribute over $30,000 on an after-tax basis and convert it to Roth. ???Leverage the benefits of a Roth as a high-income earner. If you plan to max out your 401(k) – it’s a benefit worth considering. Even if you don’t contribute up to the federal limit, the ability to contribute any extra after-tax dollars towards retirement is a fantastic benefit. The Mega Backdoor Roth is a special provision within some 401(k) plans you’ll need to see if it’s available to you. For those of you working at companies like, Microsoft, Amazon, NVIDIA, and Meta – the Mega Backdoor Roth is a part of your 401(k) plan.?

The start of a new year is the best time to check in and make necessary adjustments on how much you’re contributing to some of your key employee benefits. Here are a few we encourage you to focus on: ?Your 401(k): Your pre-tax contributions will help you lower your 2025 taxable income while you save for retirement. ?Your HSA:??Take advantage of an HSA’s triple-tax advantage while saving for future healthcare expenses. >Contributions are tax deductible. >The funds in your HSA grow tax free over time. >Tax-free withdrawals when used for qualified medical expenses. ?The Mega Backdoor Roth: If available within your 401(k) contribute after-tax dollars and convert them to Roth. We think this is one of the best benefits available to employees and encourage people to take advantage of it, if it’s available to you. ??Good news for those of you who work at some of our large local tech companies like Microsoft, Amazon, Meta, NVIDIA, and Nike – you have access to this powerful benefit. Scroll through below to learn more about contribution limits for the benefits we listed. ?? We work with tech professionals at PNW companies like Microsoft, Meta, Amazon, Nike, and NVIDIA and can help answer questions. Reach out to our team and schedule time to talk through yours. ??https://lnkd.in/gX3WjrjP

?Happy Holidays from all of us at Avier!?

????Happy birthday Dave Welty, CFP????? We know you’re having a blast celebrating your special day. Cheers to you!

Here’s a year-end reminder for those of you who work at Microsoft.?? You can use the Microsoft Giving Program to help double your donation to your favorite charities. Microsoft will match your charitable donations up to $15k! And here’s an important tip… your December paystub will provide a summary of how much you donated through the MSFT Giving Program - make sure you share this information with your CPA. https://lnkd.in/dcFXGZEh

??Happy birthday Tiffany Shafer! ?? Wishing you a fun-filled day with your family!