Trust is vitally important to any business relationship. However, if we've never met this can be difficult to accomplish. To begin this process, please read this page to gain a better understanding of who we are and what we do.

 

Upon completion, please click on this Web Link to view a short 3-minute introductory video. You will also be able to enter several bits of personal information to receive an idea as to the type of benefits you could receive from our program, including tax-free retirement income. You can also view additional videos and other information by reviewing the menu tabs above.

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Supplemental Retirement Program:

 

We specialize in a supplemental retirement program for high-income executives and professionals. Unfortunately, statistics show that 70% of these folks will suffer a decline in their standard of living during retirement because of a lack of savings during their working years.  

 

We can help you prevent this outcome.

 

As a CFP for many years, we have learned that many of our client's have the same concerns. They want to know:

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(1)  Am I saving enough for retirement to maintain my standard of living (probably not, as 70% of high-income earners aren't) and how can I save more, without sacrificing my current lifestyle  (Would a 3:1 contribution match help?)

(2)  How to avoid the potential to pay much higher taxes on income in retirement (Would substantial non-taxable income be of interest?)

(3)  How to incorporate an alternative asset class into their portfolio which will create retirement safety and avoid a major drop in asset value (such as stocks) just prior to or right after retirement? 

(4)  How to pay for an eventual long-term care event that could have a devastating effect on their savings, without purchasing a LTC insurance policy?

(5)  How to protect a portion of their assets from creditors or a major lawsuit?

(6)  How to best increase their eventual retirement income? (We can provide 60-100% more retirement income for the same dollar contribution.)

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We provide solutions to each of these concerns and look forward to "bringing you a more confident retirement".

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Group Plans:

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If you have a number of executives or professionals in your organization we offer plans for groups as well. One type of plan is either for C-corps, LLC's who are taxed as a C-corp, or for non-profits. These plans are either called ESD or Tri-Zen, depending on the number of employees enrolled. Contributions are pre-tax and should result in 100-200% more income during retirement (depending on age) than other retirement programs with the same dollar contribution. All other entities are called a Kai-Zen Group Plan. Contributions are after-tax resulting in 60-100% more retirement income.

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The plan could be used as part or all of an acquisition fee, or as an improvement or addition to existing supplemental retirement plans like deferred comp, cash balance plans, SERP’s, or bonus plans.

 

These selective plans offer significant design flexibility as the contributions for 5 years can be funded totally by the organization, totally by the employee as a voluntary benefit, or by a combination of both which seems to be ideal. In a group plan the minimum income level is $100,000 a year, reduced down from $200,000 for an individual.

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Wealth Transfer:

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Many high net worth individuals would like to transfer some wealth to their children and/or grandchildren during their lifetime. In addition, there are people who want to leave a meaningful financial legacy to a ministry or charity to experience the value and joy from the gift while they are alive. There are 4 primary techniques which could be used to accomplish this.

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(1) Annual gifting program

(2) Irrevocable grantor trust

(3) Direct payments

(4) Intra-family lending)

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Others may also have a desire to transfer some wealth at their death. Techniques used could be:

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(1) A bequest

(2) Beneficiary designation

(3) Titling

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However, there are many people who do not feel comfortable leaving large sums of money with no control
on how it will be spent. Instead, they would prefer to have a plan that allows their gift to provide long term meaningful benefits, over the course of their children’s or grandchildren's lifetime. Our program can help achieve this objective.

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Why would now be an excellent time to consider implementing a wealth transfer program?

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Because of possible changes which could occur in the near future:

 

• Increased Income Taxes

• Increased Capital Gains

• Net Investment Income Tax

• Increased Estate Tax

• Reduced Estate Exemption

• Reduced Annual Gift Exemption

• Reduced Lifetime Gift Exemptions

 

There are certainly lots of options to consider when developing a plan for a wealth transfer. However, we believe there is no better program to accomplish your objectives than the Kai-Zen program from NIW. 

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