facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause



Upside Potential Growth with Downside Protection

*Investing involves risk, including the potential loss of principal. Any reference to protection benefits, safety or security generally refer to fixed insurance products, never securities or investment products.  Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.  Not FDIC insured.  No bank guarantee.

Gain control of your financial future

Most Americans top financial fears stem from the lack of a clear, confident and protected financial plan for their retirement.

The issues of outliving savings, medical expenses, taxes, and market decline are all obstacles we could be facing going into our retirement years. What if there was a strategy that reduces or could potentially eliminate these risks of not being able to retire comfortably or protect your heirs from a catastrophic event?

Clark Financial Partners focuses on helping our clients maintain the lifestyle they work so hard for in retirement while utilizing the power of leverage.



The KaiZen plan is a unique strategy that utilizes bank money to leverage retirement dollars 3 to your 1 and allows you to potentially fund your retirement faster.

           

This powerful planning approach can help a qualified candidate retire with MORE INCOME, TAX-FREE while enabling one to avoid the risk of the stock market while providing comparable returns.

Attract and Retain Employees by Offering Better Benefits

Are you currently offering your key employees a retirement package that includes more income with more protection?

The KaiZen strategy can be utilized not only for the benefit of one individual but for employee benefits in a group plan.

Key employees are the lifeblood of any company, and it is always crucial to be more attractive than the competition. Benefits are necessary to recruit and retain the best employees, but most companies offer essentially the same benefits as everyone else. How does one offer more to set themselves apart from the competition?

This unique strategy allows a company to achieve a competitive advantage by offering some of the best benefits, help provide more protection, and potentially save more for its employees' retirement. Simply put, the Bank Funded Retirement strategy can provide the extra funding to set any company apart without having to increase their budget.

To Attract the Best, You Need to Offer the Best

Key executives leave for a variety of reasons which can leave a business scrambling to cover their loss.

They can become disabled, develop a chronic illness, retire, pass away, or simply leave. Most companies use their cash to grow their business and not to fund contingent business liabilities. Kai-Zen helps provide the funding needed to protect your business in a wider variety of circumstances.

More Cost Effective than Traditional Plans

The real reason businesses are not offering additional benefits to their key employees is cost. The KaiZen Plan uses leverage to help cover the costs of the additional benefits needed to attract top talent. A unique feature of this strategy is that there are no loan qualifications or loan documents signed by the employer or employee. The contributions made to the strategy act to fully secure the loan. Utilizing this strategy allows companies to spend less on something that would otherwise be a substantial expense. This will ultimately improve their cash flow and decrease costs while offering the differentiation needed to compete for the best employees.

In addition, due to the high cost of benefits, businesses also find it difficult to provide adequate coverage for other business liabilities such as Key Person, Buy-Sell Agreements, Succession Planning, etc. These events can typically be funded at half the cost of traditional options with KaiZen Plan.

A Better Way to Informally Fund Deferred Compensation

Kai-Zen is a superior way to informally fund Non-Qualified Deferred Compensation. By financing a life insurance policy as opposed to traditional investment alternatives, you get the added advantage of additional cash through the use of leverage, potential tax-deferred growth, protection benefits should something happen to the employee all without downside market risk.

How much money should you be saving for retirement?

Contact us today to see if you or your company qualifies for this strategy.