Exclusive Retirement Strategy for Physicians
*Based on a 40-year-old participant
Stop contributing for 30 years and still coming up short. The Kai-Zen® strategy uses 3-to-1 bank leverage to put dramatically more capital to work—with tax-free growth and tax-free distributions.
You've spent your career in one of the highest tax brackets in the country. Most retirement accounts hand you a tax bill when you need the money most. Research shows 74% of financial success in retirement comes from how much capital is working for you—not your returns, not your fund selection. Your capital.
Most physicians spend decades optimizing the 26%. Kai-Zen® fixes the 74%.
The Process
Fund $250,000 over 5 years ($50,000/year) into your Kai-Zen trust account.
A commercial lender matches your contributions, tripling your capital at work.
Your money grows in an Indexed Universal Life policy with market upside and 0% floor protection.
After your 5-year contribution, the bank continues funding at no cost to you.
Access $3M+ in tax-free distributions starting at age 65 through age 90.
Ready to see what this looks like with your numbers?
The Difference
The Advantages
Bank matches your contributions, tripling your capital at work from day one.
Designed to participate in market-linked gains with a 0% floor that helps limit losses from market downturns.
Your money compounds without annual tax drag eating into your returns.
Access your retirement income without handing a chunk to the IRS.
Chronic and terminal illness riders provide protection if life takes an unexpected turn.
Enhanced death benefits pass tax-free to your beneficiaries.
Common Questions
When you contribute to your Kai-Zen trust, a commercial lender matches your contribution 3-to-1. So for every $1 you put in, $3 goes to work in your policy. This dramatically increases your capital at work without increasing your out-of-pocket cost.
After you complete your 5-year funding period, the bank continues to fund the policy for years 6-10 at no additional cost to you. No out-of-pocket interest, no personal guarantee required.
Kai-Zen uses an Indexed Universal Life (IUL) insurance policy structure. Growth inside the policy is tax-deferred, and distributions are taken as policy loans which are tax-free. You also receive tax-free death benefits for your beneficiaries.
Your policy is linked to market indexes like the S&P 500, so you can participate in upside growth. The policy is also structured with a 0% floor, which is designed so that index-linked credits don't drop below zero in a down year. Policy charges and other contractual provisions still apply, and specific limitations vary by carrier.
Kai-Zen is designed for high-income professionals earning $200K+ annually. The minimum contribution is $21,350/year (includes $1,350 annual trust fees). You must be insurable and a participant trust will be established as part of the strategy.
Kai-Zen includes living benefits. If you experience a chronic or terminal illness, you can access policy benefits. You can also access cash values for unexpected life events, though early access may impact your long-term retirement projections.
Get Started Today
Whether you're exploring Kai-Zen® or want a comprehensive retirement income plan, the first step is understanding your numbers. Fill out this quick form and we'll show you what's possible.
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