When every concern is a priority – you need a principled approach to creating financial peace of mind.
Having your Worry In Order® means organizing life’s competing priorities with the financial planning system thoughtfully researched and presented by
Financial Advisor Shaun N. Christiansen, MPA.
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Shaun Nima Christiansen
Shaun Nima Christiansen is a Financial Advisor & Founder of Worry In Order financial planning.
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Shaun, a lifetime Oregonian, is a graduate of Western Oregon University & The University of Oregon. Shaun is a former Congressional Intern and the current President of the Board of Directors of the Portland Festival Symphony.
Shaun has been licensed to provide life/health line insurance since 2011, became a mutual fund broker in 2012 and currently holds FINRA Series 6, 63 & 65 exam qualifications.
Shaun is a resident of Lake Oswego and has two teenagers.
Term life insurance is the simplest and often most affordable form of life insurance. Simply called "term" this form of life insurance offers temporary coverage for a specific period of time (the "term") such as 10, 20 or 30 years. As long as the premium payments are paid on time, the chosen insurance company will pay the "face amount" of the policy to the policies beneficiaries if the insured dies during the term. Many term life insurance policies allow the insured to convert all or a portion of their policy to permanent life insurance at a future date with no medical questions.
Term life insurance is often used to provide affordable financial coverage for temporary financial needs such as a mortage, raising children or protecting income during working years.
Whether it is called permanent, cash value or whole life, this form of life insurance provides lifelong insurance coverage with a guaranteed death benefit and includes an equity cash value component that grows tax deferred over time. Cash value “inside” a life insurance policy can be used as a flexible financial instrument that can create tax-free income in retirement, maximize 401(k) income and even efficiently settle an estate and leave a legacy.
Permanent life insurance is best designed efficient outcomes for unavoidable financial obligations such as tax and estate planning or a sophisticated retirement income strategy.
Disability income insurance protects your biggest financial asset - your income – if you become sick or disabled and cannot earn.
“DI” insurance stabilizes income in the face of unforeseen circumstances so that you do not need to empty emergency savings, tap into retirement accounts or worse – borrow money - when physically unable to work. Instead of returning to work having to repair the damage by paying off debt or rebuilding savings repurpose those those same funds for retirement or other desires.
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