Keep More For Retirement

For high-income earners who want protection and accumulation to last a lifetime.

Through hard work and determination, you are considered within the top 10% of all wage earners in the United States. Your income provides you a better lifestyle than most, but this has its disadvantages and restrictions from saving enough to maintain your lifestyle throughout your retirement.

Our Strategy have the potential to provide you…

Up to an additional three times more money added to your strategy. Tax advantages when you are ready to take distributions in retirement. Growth and protection, that will give you and your family options.

Kai-Zen®Everyone wants to maintain the same quality of life in retirement, congruent with a steady cash flow that allows you to continue living out your dreams and look after loved ones while maintaining a cushion of cash for extreme medical conditions, should anything happen.

This comes at high cost. People like yourself struggle to save the 30-35% of income needed.  Kai-Zen® gives you additional cash in the form of leverage, to help you bridge the funding gap.

What makes this strategy unique is you don’t have to qualify, be bound by a loan, pay interest or incur personal liability.

Is it right for you?

• Highly compensated individuals below age 65.
• Earning $100,000+ per year.
• Standard or better health.

The problem with fixed income today is that you don’t get any return and you don’t have protection when interest rates rise. Kai-Zen uses a life insurance product where costs are minimalized. It is over funded to the point where insurance costs become minimal, so you have a massive surplus of cash value. This grows tax deferred and can be accessed through policy loans, which are generally not taxable. It is incredibly tax efficient. However, what’s different is that your payments are just the seed capital. Kai-Zen then leverages up your contribution, up to three times! Because the policy is so safe, the lender does not need to underwrite you for the loan at all. No contracts, no interest payments no personal guarantees. It truly is a safer loan, in comparison to the one you probably used to mortgage your house. The combined premium is put into an Index Universal Life policy (IUL). IUL’s are used because, based on industry data, they have the potential to grow over time, on average 2% more than fixed income. This is not guaranteed, it is risk premium, but not as risky as a stocks. Because in any year the index is negative you record zero return not a loss. From an asset risk perspective, it is midway between a bond and a stock.

This 2% risk premium gives you extra yield, but what really makes the difference is the extra cash put in by the lender. Statistically you will get an additional +2.25% on the lender’s money. So, let’s look at a hypothetical math example… If the bond portfolio is yielding 2%, you would expect an IUL to average 4% over time (2%+2%). With Kai-Zen you have the potential for 60-100% more. Using this hypothetical example, you would achieve 6.4% to 8% given the assumptions stated. This cannot be guaranteed. This strategy is driven by standard industry economics that has been in place since 1930. In addition, the designs have been stress tested through Great Depression and high interest rate scenarios. It is critical to remember these are life insurance policies, and so include the protections associated with them. Such as, death benefit and living benefits. They also include substantial tax advantages. If your money is invested but you are looking for an alternative to medium to long term bonds then Kai-Zen it likely to be very attractive.

Value Provided

• Potential for more accumulation
• Maintain current lifestyle
• More protection for you and your family
• Diversify your assets

Required Qualifications

• Your combined household income is at least 100k per year
• You are between the ages of 18 – 70
• You are in average or good health
• You can contribute a minimum of $22k per year

We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.

Value Provided

• Potential for more accumulation
• Maintain current lifestyle
• protection for you and your family
• Diversify your assets

Required Qualifications

• Your combined household income is at least 100k per year
• You are between the ages of 18 – 70
• You are in average or good health
• You can contribute a minimum of $22k per year

The number one concern of CEO’s when surveyed in the U.S. is recruit / retain quality talent due to the loss ratio of new hires. Kai-Zen ®  is a great tool for recruiting and retaining employees by providing superior employee benefits from your competitors without a hit to your bottom line.

Value Provided

• 60-100% more supplemental income for employees
• Increased lifestyle protections for employees
• More protection for employees and their family
• Allow employees to diversify assets

Required Qualifications

• Employees combined household income is at least 100k per year
• Employee is between the ages of 18 – 70
• Employee is in average or good health
• Employee contribute a minimum of $22k per year

An alternative to traditional term solutions used for Keyman plans, Kai-Zen ®  covers the risk of death but also creates a pool of cash to fund living scenarios as well.

Value Provided

• Creates a pool of revenue for living keyman for when key persons leave, get sick, retire, or die
• Potential for more accumulation for key employees
• Employees can maintain current lifestyle
• More protection for your key employees and their families
• Employees can diversify their assets

Required Qualifications

• Your combined household income is at least 100k per year
• You are between the ages of 18 – 70
• You are in average or good health
• You can contribute a minimum of $22k per year

Kai-Zen ®  is a great way to fund a succession plan and is unique because it is independent of the company and can provide the agreed funds independently of the business once the partner has left. The ex-partner is comfortable they will get their money and the remaining partners don’t have to worry about shackling the business with cost that is not producing revenue.

Value Provided

• Buy outs that don’t rely on the remaining partner funding a buy out from operational revenue
• Good for partners that don’t see eye to eye on a buy out plan
• Doesn’t negatively affect the business costs

Required Qualifications

• Partners household income is at least 100k per year
• Partner is between the ages of 18 – 70
• Partner is in average or good healthPartner can contribute a minimum of $22k per year

Kai-Zen ®  in 5 payments can be used to fund future liabilities and most of the cashflow needed comes from leverage that does not require the business to be underwritten or responsible for the loan in anyway. There is no impact on the business balance sheet at all, and the result future capital needs are funded at approximately 50% of the cost.

Value Provided

• Business is not required to be underwritten or responsible for the loan in anyway
• Only requires 5 payments
• No impact on the balance sheet
• Future capital needs are funded at approximately 50% of the cost

Required Qualifications

• Employees combined household income is at least 100k per year
• Employees are between the ages of 18 – 70
• Employees are in average or good health
• Employees can contribute a minimum of $22k per year