Like most high-income earners, I understand that my social security benefits and 401(k) contributions will not be sufficient to fund my personal retirement needs. I am also aware that 70% of my retirement income will need to come from what I am able to accumulate and save on my own. With two of my three kids in college, I have been advised by every financial planner that at a minimum I need protection that would replace my income if I became ill, needed long term care, or passed away prematurely. In addition, I would need to save 30% of what I earn to maintain my current lifestyle throughout retirement, and invest it in the market to keep up with inflation. As if that wasn’t enough, I was told that I need to defer even more of my salary into pre-tax investments, and that I would need to pay for all of these benefits out of pocket at a time my expenses were the highest they had ever been. In my search to find solutions, it was frustrating and disappointing to find that every financial advisor I reached out to for a solution was offering the same traditional plans that didn’t offer any cost efficiency.
I needed a way to change the status quo. Determined to solve this issue, my partners and I did our research, developed relationships, and created our own strategy we call Kai-Zen. Kai-Zen changed they status quo by offering the one thing no one else was offering, leverage. Kai-Zen offered me the only real opportunity to get the extra cash I needed to fund a strategy sufficiently. With the additional money added to my contributions, I was able to participate in a strategy that provided everything I needed. It provides me with death benefit coverage, protections against critical illness, supplemental retirement income, the potential for upside market capture without market losses, growth compounding tax deferred, access to income tax free loans, and the leverage to add three times more money to my strategy. That’s tough to beat.
I admit I am biased, but I am also a cynic. I looked at my own situation, how much money I could afford to set aside, and what could go wrong. I’ve run thousands of simulations and comparisons and I can’t find another strategy that comes close to providing what I can get with the Kai-Zen strategy.
