Complete a lifetime of
retirement funding in
just 5 years.
You put in 25%. A commercial lender funds the rest — tripling your contribution into a privately held cash-accumulation policy with a 0% market floor. No personal guarantees. No personal loan underwriting. The same leverage model banks use to finance real estate, applied to your retirement.
Facilitated over billions in institutional lending since 2000.
Your income is high.
Your contribution limits
are not.
A high earner making $300K who wants to replace 70% of pre-retirement income needs to save roughly $60K–$80K per year. The IRS lets you put $23,000 into a 401(k). That covers a fraction.
To close the gap through traditional accounts, you'd need to save 33% or more of gross income every year for three decades — and hope the market cooperates the entire time.
The Cap Trap
401(k) and IRA limits cap tax-advantaged savings at a fraction of what high earners actually need to maintain lifestyle in retirement.
The Volatility Trap
Pure market exposure means your retirement hinges on sequence-of-returns risk. A downturn in the first five years of distribution can permanently impair your plan.
The Time Trap
30 years of disciplined saving is the conventional answer. Most high earners don't have 30 years of runway — and shouldn't need it.
Five years of contribution.
A lifetime of leverage.
The Kai-Zen® strategy uses commercial bank financing — the same leverage model behind every mortgage — to accelerate your retirement funding. You bring the equity. The bank brings the capital.
You contribute equity. The bank multiplies it.
You commit your annual contribution for five years. A commercial lender matches and triples your funding into a privately held cash-accumulation life insurance policy — a Nevada trust IUL with a 0% market floor. No personal guarantees. No personal loan underwriting. The policy itself is the sole collateral.
Your contributions stop. The bank keeps funding.
After year five, your out-of-pocket commitment is complete — $0 from you going forward. The lender continues funding the policy on your behalf, building cash value and death benefit while you redirect your cash flow elsewhere.
The loan is projected to repay itself.
Using internal policy loans, the bank's advance is projected to be repaid by the policy's own performance — not out of your pocket. You unlock tax-advantaged supplemental distributions designed to augment your retirement income for life.
Self-funded vs.
bank-leveraged.
Dimension
Self-Funded Traditional Plan
Kai-Zen® 5-Year Leveraged
Total Outlay
30+ years of contributions
5 years of contributions
Leverage Applied
None — 1:1 funding
Bank triples your contribution
Downside Floor
Exposed to full market losses
0% floor — no market downside
Personal Liability
N/A
None — non-recourse, no personal guarantee
Living Benefits
Not included
Included — access to cash for chronic illness
Bank Repayment
N/A
Projected via internal policy loans at year 15
Preferred Profile
Age 32 · $25K/yr × 5 years · $125K total outlay
$125K in.
$1.1M+ out the gate.
A 32-year-old preferred-eligible client contributed $25,000 per year for five years — $125,000 total out-of-pocket. The commercial lender tripled that funding into a privately held IUL policy with a 0% market floor.
Initial death benefit protection
$1,100,000+
Projected tax-advantaged distributions
$129,000+/yr
Distribution period
Age 65 through 90
Out-of-pocket commitment
5 years only
Figures shown are illustrative projections based on a preferred-eligible profile. Actual results depend on individual underwriting, market conditions, interest rates, and policy performance. Not guaranteed. Past performance does not indicate future results.
Built for a specific
kind of earner.
This Is For You If
Business owners, executives, and accredited investors earning $150K+
Ages 18–65 with $100K+ household income
Able to commit $22K+ per year for 5 years
Looking to accelerate retirement funding beyond traditional contribution limits
Seeking tax-advantaged supplemental income with a 0% market floor
Comfortable using institutional leverage as a strategic tool
This Is Not For You If
Those unable to commit $22K+ annually for five years
Investors seeking short-term liquidity or quick access to funds
Individuals outside the 18–65 age range at time of application
Those looking for guaranteed returns or risk-free outcomes
Anyone seeking to replace comprehensive financial or tax advice
The objections
worth answering.
Straight answers on downside, credit, repayment, and protection.
Request Your Custom
5-Year Leveraged Illustration
Four quick questions. If you qualify, you'll receive a personalized illustration showing how bank leverage could accelerate your retirement funding.
Step 1 of 4
Age & State
Must be between 18 and 65.
