Kai-Zen is a financial strategy using “ leverage” in a very beneficial way. The Japanese phrase here simply means “change for the better”. This very unique process involves using a special banking arrangement and a specially designed cash accumulation life insurance policy to accommodate the added cash values that are generated.
The leverage element provides from 60% to 100% more retirement income than might otherwise be available for the same investment!! When set up properly, this vehicle provides tax free growth, safety for the invested funds, tax free disbursements, as well as added financial protection for your family or other beneficiaries, should you not make it to retirement!
Fixed-income security that guarantees a minimum return equal to the investor's initial investment (the principal amount), regardless of the performance of the underlying assets.
Refers to instances where a taxpayer can delay paying taxes to some future period. In theory, the net taxes paid should be the same. Taxes can sometimes be deferred indefinitely, or may be taxed at a lower rate in the future, particularly for deferral of income taxes.
Investment earnings are tied to a stock market index. The movement of this index each year determines the interest rate that will be credited in the account. This rate of return goes up or down with the market, or more accurately with the chosen index. However, it is important to know that the crediting rate will never be negative regardless of the possible downward movement of the index. Funds held in an indexed annuity are protected from losses because they are not actually invested in the market.
An income annuity is not an investment that provides you with a rate of return over a fixed period of time, like a CD. Rather, it's an income product that provides you with fixed monthly income that is guaranteed for life—no matter how long you live—and no matter how the markets perform.
Whatever your financial questions, concerns, or objectives may be we are here to help! As independent agents and advisors with a fiduciary responsibility to every client and not to any particular financial institution, we carefully research dozens of financial service companies to seek out the best alternatives for each client’s circumstances. This is the process regardless of if a client has a nest egg that they need to convert to a retirement income stream, or they still need to create that nest egg, or maybe some years have slipped past they need to play catch up in funding the nest egg, or they just need a place for their money to grow.
We would welcome an opportunity to discuss your financial questions and goals with you. There is no cost or obligation for such a discussion or meeting.
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We look forward to helping you find that “peace of mind".
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