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Imagine… A ROTH IRA with

  • No Contribution Deadline
  • Tax Free Withdrawals Anytime
  • No contribution Limits
  • No Income Restrictions
  • Fully Funded in Only Five Years
  • Creditor and Lawsuit Protected
  • Bank Loan of $3 for Every $1 Contributed
  • Interest Rate as Low as LIBOR + 1.75%
  • No Personal Liability on the Loan
  • No Annual Loan Payments
  • Money in the Event of Critical or Chronic Illness
  • Death Benefit in Excess of Account Balance

Market Participation with Principal Protection

(market gains locked in and won’t be lost)


While Congress has not made this possible with a ROTH IRA, The Kai-Zen 162 Executive Benefit PlanTM can provide these advantages and many more. Similar to a ROTH IRA, contributions to The Kai-Zen PlanTM are made with after-tax dollars, so like the ROTH, individuals do not receive a tax deduction for their contributions. Also, similar to a ROTH, contributions to The Kai-Zen PlanTM grow on a tax-free basis. But that is where the similarity ends and The Kai-Zen PlanTM truly excels past a ROTH.

How is This Possible?

The Kai-Zen 162 Executive Benefit PlanTM is a leveraged Section 162 Bonus Plan that allows participating owners and executives to significantly increase their Retirement savings while providing valuable death benefit coverage to protect against life's uncertainties. Through the use of specially designed insurance policies and arrangements with financial institutions, borrowed funds are used to provide increased death benefits with a funding model that creates cash reserves which can be accessed to supplement retirement income. The Kai-Zen PlanTM showcases the combined IBG/NIW core competencies of utilizing aggregation and leverage to create a powerful financial benefit for

  • Business Owners
  • Management & Executives
  • Professionals
  • Franchisees
  • Independent Contractors
  • Sales Executives and Many Others
A Whole New Way of Thinking...

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    The Health Options PlusTM Health Assurance Plan is a new approach to self funded health plans - going beyond mere insurance to keep employees and their families healthy and keep employer costs low. Employees and Employers typically save 10-30% from fully insured plans.

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  • The Kai-Zen PlanTM

    The Kai-Zen PlanTM takes advantage of the power of leverage (other people's money) to allow business owners, professionals, key employees and others to significantly increase their retirement savings while at the same time providing a significant death benefit in the event their career is prematurely cut short.

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  • The ARC TrustTM

    The ARC TrustTM is an employee benefit trust designed to assist public and private sector employers meet their pension and OPEB funding obligations under FASB and GASB rules. Unlike pension and OPEB bonds, the ARC Trust eliminates the risk of losing principal as a result of negative financial market performance.

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  • The 401Rx Plan®

    The 401Rx Plan® is a turn-key defined contribution retiree health plan designed specifically for small to mid-size businesses and governments. Business owners can contribute and deduct up to $500,000 or more in a single year. Governments can significantly reduce and eliminate their OPEB liability.

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  • The ABIL PlanTM

    The ABIL PlanTM is a wealth accumulation and estate transfer plan designed for businesses owners and other high income & high net worth individuals.

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