I am writing this letter to thank you for creating the Kai-Zen program. I am a cusp member of Generation X, having missed the Baby Boom by one year. I have grave concerns about how I can protect my family and myself in retirement. Typical to my generation – I have little faith in Social Security – I have maxed out my 401K year over year, and of course do not have a pension. The Kai-Zen program is the most compelling option I have seen in my search for a solution. Kai-Zen literally takes a strategy that has been used for years and makes it better. NIW has found a new way to bring new money to the table to improve a solution that has been used in the large corporate world for decades and make it relevant in the personal market.
Kai-Zen takes advantage of the equity option trade within a tax deferred growth wrapper that affords me upside opportunity with downside protection. Essentially, I have a trade that gives me asymmetric risk that inures to my personal benefit. All programs, strategies, investment come with risk – there would not be the opportunity for return without risk. The annual review and monitoring provides me with the tools I need to evaluate the strategy annually. I am writing this letter not from a professional perspective, but as a personal participant. Thank you for all that you have taught me.