100% financing for those companies that have assets but do not wish to liquidate them to fund contingent liabilities.

Designs are stress tested for vulnerability.

An innovative approach to creating funding for long-term employee incentive plans without draining cash flow from the corporation. These proprietary solutions allow the employer to informally fund the executive supplemental retirement, key man, buy sell, and succession planning market in the US.

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60-100% more supplemental income for employees

Increased lifestyle protections for employees

More protection for employees and their family

Employees combined household income is at least 100k per year

Employee 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#R is a great tool for recruiting and retaining employees by providing superior employee benefits from your competitors without a hit to your bottom line.

Your combined household income is at least 100k per year

You can contribute a minimum of $22k per year

The problem with fixed income today is that you don’t get any return and you don’t have protection if interest rates rise, , which is highly likely over the next fifteen years.? 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 lenders ?money.  So lets look at a hypothetical maths 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 scenario’s. Why? Because we designed this plan for ourselves, and they are working exactly as expected.  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.

Business is not required to be underwritten or responsible for the loan in anyway

Future capital needs are funded at approximately 50% of the cost

Employees are between the ages of 18 - 70

Employees can contribute a minimum of $22k per year

Kai-Zen#R 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.

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

More protection for your key employees and their families

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

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.

We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen#R 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.

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

Partners household income is at least 100k per year

Partner can contribute a minimum of $22k per year

Kai-Zen#R 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.

Keep control of your assets; therefore, assets can grow with minimal opportunity cost

Significantly more effective than paying premiums

Stress tested against the harshest economic conditions

You need insurance needed to cover estate tax

You have the ability to pledge collateral

This estate planning strategy allow you to keep control of and grow your assets while potentially leaving more for future generations. Life Strategies allow families more options and flexibility for succession planning, buy-sell agreement, and key man applications. Life Strategies is one of the most well-designed and comprehensive solutions on the market for high net worth families.

MultiGen is a multi-generational estate planning strategy for high net worth individuals with a "rated" or uninsurable status. Unfortunately, this status typically makes it hard to use traditional estate planning methods.

Protects the estate plan over multiple generations

Client maintains control of their assets and their earnings

Using financing has the potential to reduce your taxable estate

Able to obtain insurance on the children or grandchildren who are in good health

Children or grandchildren have estate tax exposure

If you are unsure about what strategy is best for your needs you can always contact us to speak with an NIW specialist.

Based on what you told us we think the below NIW strategy would be a great option for you. The next step is to set up a time to speak to a licenced professional to learn more.

Great News! We've Found a Good Strategy for You.

You have unique requirements that need some clarification for us to find the right strategy for you. Let’s get you in touch with a NIW specialist to find the perfect fit for your needs.

Tri-Zen#R and Enhanced Split Dollar are pre-tax benefit strategy that uses employer contributions and bank leverage to triple premiums into your cash accumulation life insurance policy (IUL), using the policy as the sole collateral for the bank loan.

Truly one of the best and most tax-efficient incentive plans on the market

3x leverage increases the amount of cash available

Money invested on the plan becomes an asset for the employer

Typically 90% – 110% better return versus self-funded strategies

Standard or better health if premium is paid by employer, $100,000 per year will be considered on a case by case basis

Trust Revitalization is designed for wealthy families whose legacy trusts have become diluted by an increasing number of family members. This strategy replenishes trusts so that funds do not become depleted.

Prolong the ability for the trust to provide benefits to future generations

Increasing the yield on the assets of the trust - fixed income assets in particular

Little to no opprotunity cost or asset reallocation required

A concern that the beneficiaries are taking too many distributions for the trust to continue

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