Kai-Zen Plan

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Kai-Zen Plan

Traditional savings and retirement options like 401(k)s and IRAs severely limit your ability to accumulate wealth if you are highly compensated and/or a high net worth individual.  401(k)s cap your annual contributions, and IRA contribution limits are even lower. If you expect to maintain your current standard of living in retirement, these contribution limits will not allow you to accumulate enough savings to achieve your retirement goals.

A Kai-Zen plan not only enables you to contribute significantly more to your retirement savings, it also provides the following benefits:

  • $3 for every $1 contributed to the plan
  • You only contribute for five years, and a lender matches your contributions; the lender then makes all contributions for the next five years
  • Tax-deferred growth
  • Tax-free withdrawals
  • Chronic, critical, and terminal illness coverage and critical injury protection
  • Tax-free death benefit for loved ones