OPTIMAL WEALTH STRATEGY GROUP
The Kai-Zen Strategy
Tax-Free Retirement income using Leverage strategy
The success of your retirement depends on the amount you save, not on your rate of return. A unique cash accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines, while providing you and your family protection.
Why using leverage is smart
Kai-Zen is the ONLY strategy that uses leverage to help you acquire more of the benefits you need to financially protect you and your family. Its unique fusion of financing and life insurance offers you more protections and the potential to earn more for retirement than you could obtain without leverage.
Kai-Zen is a strategy that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement. Protecting your earnings is critical to insuring your ability to save for retirement. Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.
- Potential for more accumulation.
- Maintain current lifestyle.
- More protection for you and your family.
- Diversify your assets.
THE KAI-ZEN® STRATEGY - Don't Simply Retire. Have Something to Retire to.
Kai-Zen® offers you up to an additional 3 times more money to fund a unique cash-accumulating life insurance policy using leverage(3:1 match). The success of your retirement depends on the amount you save, not just on your rate of return. A unique cash-accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines (Asset protected) while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.
Benefits of the KaiZen program :
* Alternative asset class
* Unlimited contributions
* Matching contributions without 3rd party obligations
* Design optimization Plus 3:1 leverage
* No loan docs | No credit check | No personal guarantees | No interest payments
* Growth indexed to the market without downside interest rate risk
* Not subject to ERISA
* Safe, tax-deferred growth with no loss of principal
* Cash benefits in the event of a chronic illness or terminal illness
* Diversification from qualified plans
* Asset protection from creditors (state specific)
* Sheltered from corporate creditors and bankruptcy-remote
* Low admin cost
And the most IMPORTANT benefit?
Substantial, Tax-Favored, Supplemental Income!
How it Works
The Kai-Zen strategy is simple. Premiums are jointly funded by bank financing and the participant or employer. The bank financing provides the majority of the total contribution to the plan, and the life insurance policy itself is the full security for the loan.
This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign any loan documents. As an additional protection, Kai-Zen’s structure is also set up to protect your benefits in the event of employer bankruptcy.
Business Applications
The departure or premature loss of a key executive can significantly affect a company’s bottom line.
The Kai-Zen Strategy helps provide the additional funding required to address the following business situations effectively:
- Executive Bonuses
- Buy/Sell
- Key Man
- Partner Buyout
- Succession Planning
- Highly Compensated Employee Incentives
How can we help you?
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. Most people would prefer to have a cushion of cash for extreme medical conditions, should anything happen, while also looking out for loved ones. The cost to do this is high.
Tri-Zen®
Tri-Zen is one of the few pre-tax plans, that allows tax free distributions through policy loans. It is the only plan that adds additional capital to the spending already being allocated, with the aim of improving results. With Tri-Zen, all leverage is secured and repaid by the plan.
Testimonials
Hear from Our Clients
Kai-Zen has received an overwhelmingly positive reception from a broad range of senior level executives including CEOs, Vice Presidents, CPAs, lawyers, bankers, and brokers. It has been especially rewarding to witness the enthusiastic response from individuals who really understand the unique value delivered by Kai-Zen, which is exactly why all of the executives at NIW participate in Kai-Zen.
I personally use this product for my family and I. Kai-Zen gives me access to tax-free retirement income and tax-free line of credit.
Carey Finn
Real Estate Agent
David Bistritz
Dentist
Contact Us
Learn more about Premium Finance.
You can also reach me at 405-213-4817 & samvadakekut@gmail.com to get more details.
Premium Finance
The Kai-Zen and Tri-Zen strategies have many diverse applications, but the best way to learn more about how they might suit your needs is to simply fill out the form and let us know a bit more about your specific interests.
Disclaimer
Last updated June 19, 2023
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