Thomas Swenson, JD

YOUR SUCCESS

The success of your retirement depends on the amount you save, not on your rate of return.

LONG TERM WEALTH

INVESTMENTS
THAT WORK

WE WORK TO MAKE YOUR MONEY WORK FOR YOU.

A unique cash accumulating life insurance policy using leverage multiplies wealth building and protection, while avoiding the risk of market declines.

YOUR MONEY MATTERS

At Shoreview LLC, we build wealth and peace of mind through risk-managed life insurance and annuity strategies.

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Life Insurance

Cash-value life insurance is a valuable tool for building and preserving wealth, while substantially eliminating market risk. This creates a peace of mind no other investment vehicle can provide. Life insurance is not the only good investment class, but it should at least be considered every time a financial plan is designed or reviewed. For example, even people of modest wealth can use cash-value life insurance to build a family financial dynasty that lasts for generations.

An annuity provides tax-deferred growth and fixed periodic income. It can be designed to cover basic monthly costs, without the risk associated with market fluctuations, so it is a useful tool in any retirement plan. Modern annuities typically have a minimum death benefit and are, therefore, no longer only "use it or lose it" products. An annuity can be funded with after-tax money, in which case only a portion of a distribution (representing gains) is taxed as ordinary income. An annuity can also be funded with pre-tax money (e.g., within an IRA or a 401(k) plan), in which case all of the distribution is taxed as income. Only an annuity can provide the peace of mind that comes with guaranteed lifetime income.

Annuities for Fixed Income in Retirement Strategies

Roughly 70% of people aged 65 today will need some form of long term care (LTC) during their lifetime. Insurance for LTC planning includes policies designed specifically for long term care, and also certain policies designed primarily to provide life insurance or an annuity. Many life insurance and annuity policies include “living benefit” riders for LTC or chronic/serious/terminal care of the insured while still living. LTC planning not only secures financial resources for proper care, independence and dignity for individuals and couples; it also protects the financial legacy that many would like to leave to their children.

Long Term Care

Long Term Care

Insurance for LTC (long term care) planning includes policies designed specifically for long term care, and also certain insurance policies designed primarily to provide life insurance or an annuity. Many life insurance and annuity policies include “living benefit” riders for LTC or chronic/serious/terminal care of the insured while still living. A living benefit rider is automatically included (i.e., free) in some of these policies, while in some policies, such rider is available for additional cost.

USING LEVERAGE TO BUY LIFE INSURANCE IS SMART

A uniquely-designed life insurance plan called Kai-Zen® uses leverage to enhance your saving, providing more wealth and better protection.

Potential for more accumulation.

Maintain current lifestyle.

More protection for you and your family.

Diversify your assets.

Download free Ebook

Estate planning often focused on minimizing estate taxes, which were viewed as potentially confiscating 50% + of what wealth you accumulated. For most taxpayers this is no longer the case (so long as tax law does not change again).

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