Highview Wealth
Thomas Swenson, J.D.
Strategic. Comprehensive. Tactical.
This site is designed to have the best educational content available for those interested in a tax-free retirement nest egg, low-risk wealth building, asset protection, estate planning, and tax minimization.
- Juris Doctor, University of Colorado
- M.S.E. (Chemical Engineering), University of Michigan
- B.S.E. (Chemical Engineering), University of Michigan
- B.A., University of Michigan
Native of Huntington Bay, Long Island, NY. Resident of Boulder, Colorado, since 1991. Languages: English (native speaker), German (business proficient), Spanish
Twenty years ago, working as a patent attorney, I began to study tax laws and legal structures for building and protecting wealth. Gradually, asset protection and estate planning became the focus of my law practice. It became clear, however, that in order to provide clients informed and reliable service, a thorough understanding of financial planning techniques and investment vehicles was necessary. Now, as a state-registered Investment Adviser Representative, and as a licensed life insurance and annuity producer, I offer individuals, families and businesses a full range of investment advice and financial management services.
Teamwork divides the task and multiplies the success. – Author unknown
Highview Wealth is affiliated with Virtue Capital Management and has a network of honest and expert specialists in areas of investment products, financial management, law and taxation. Thus, clients of Highview Wealth get the benefits of a dedicated professional combined with the knowledge and resources of a big team.
“I’m not the smartest fellow in the world, but I sure can pick smart colleagues.” – Franklin D. Roosevelt. As applied to the network of specialists connected to Highview Wealth, add “diligent” and “honest”.
Fiduciary Duty. An Investment Adviser Representative, a so-called Series 65 adviser, always has the legal and ethical duty to act in the best interests of clients. That means collecting the information necessary to determine a client’s assets, needs and goals, and then using that information to recommend the financial structures, investment products and services best-suited to satisfy those needs and goals. An obvious violation of the fiduciary duty would be to recommend a first plan over a second plan because the first plan would increase fees or commissions.
In contrast, broker/dealers and some other financial professionals who are not Series 65 advisers, but who might call themselves “advisors”, are required to meet only a much lower “suitability” standard. Also, some so-called “advisors” are captive, that is, they are employees of a company that allows them to present and to sell to customers only the investment products (e.g., stocks, mutual funds) offered by the company. As a fiduciary Investment Adviser Representative, however, Highview Wealth has the freedom (and duty) to identify and to offer the best available investment advice, services and products to its clients.
At Highview Wealth, honesty and loyalty are the best policy. Whether a fiduciary duty exists or not, good business is always honest business. The philosophy here is that there is enough to be earned by acting in the best interests of the client – dishonest greed is not only wrong, but unnecessary for success and ultimately bad for business.
Co-Owned Service Providers:
Law Office of Thomas J. Swenson. Licensed to practice law in Colorado and New York, providing legal services globally in the areas of integrated estate planning (wealth building, wealth preservation, generational wealth transfer, asset protection), intellectual property and business planning.
Shoreview LLC. An independent broker of life insurance and annuities, including long-term care and disability riders, lifetime income, death benefit, and life settlement contracts. In contrast to “captive” agents of insurance companies, Shoreview LLC has the freedom to recommend and to offer the best available insurance and annuity products to its clients.
