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Kai-Zen®
For Recruit Retain
Kai-Zen®
For Keyman Plan
Kai-Zen®
For Succession Plans
Kai-Zen®
For Partner Buy Out
Tri-Zen®
Pretax benefit for C Corps and not for profits.
CashStream
100% financing to fund employee benefits
Did You Know
Recruiting and retaining top talent is the number one concern of CEO’s in the US. 401(k), employee health coverage, and bonuses are simply not enough to have an advantage over your competition. If your benefit plan is offering 60-100% more in return than your competitors, recruiting and retaining just became a lot easier. These unique strategies offer additional financing. Giving you the ability to outspend your competitors on benefits for your core team. This strategy also complies with no increases to your budget.
Kai-Zen® For Recruit Retain
68% of employees stay less than 5 years, citing compensation as the primary reason. Without increasing your costs, Kai-Zen® helps make your compensation stand out above your competition.
Is it right for you?
- Substantially differentiate your benefits on plans that matter to your key employees.
- Exact known cost, 5 payments only.
- Almost zero administration or compliance requirements. (no ERISA , 409A or 457(f)).
- Absolutely no loan obligation on business or employee.
- Protected from business creditors.
- Highly compensated individuals below age 65.
- Earning $100,000+ per year.
- Standard or better health.
Kai-Zen® For Partner Buy Out
Partner buyouts should be easy. Which is why many business owners don't consider any planning that would be regarded as necessary. Very often we hear about situations where partners want to be bought out, but are skeptical of the practical implementations this requires. Such questions arise as, "Can I trust that the business will be generating revenue after my departure?"
Kai-Zen® is a way to fund a plan that is independent of the company. Our plans provide, independently acquired funds to the business, once the partner has left. The remaining partners don't have to worry about shackling the business with costs that are not producing revenue.
Is it right for you?
- Highly compensated individuals below age 65.
- Earning $100,000+ per year.
- Standard or better health.
Kai-Zen® For Succession Plans
In the dynamic of a family owned business, asset and equity distribtion can be complicated. Our plan is an agreed allotment of 5 payments that allows those working in the business to buy out family members, who are not working in the corporation. These 5 payments can equate to a value representing the share of the business. Allowing the original owners to leave the company to the second generation, without subjecting either party to business valuation risk. In order to get a fair and predictable income, Kai-Zen® capitalizes on business growth internally, by those family members contributing. Kai-Zen® solves this problem at approximately half the statistical cost of an out-of-pocket solution.
Is it right for you?
- Highly compensated individuals below age 65.
- Earning $200,000+ per year.
- Standard or better health.
Kai-Zen® For Future Liabilities
Many businesses offer deferred compensation plans, have ESOP’s, or offer post retirement benefits. All current solutions are funded by the business owner(s) and the employee. Kai-Zen® can dramatically reduce the cost to both.
Is it right for you?
- Highly compensated individuals below age 65.
- Earning $200,000+ per year.
- Standard or better health.
Tri-Zen®
Tri-Zen is one of the few pre-tax plans, that allows tax free distributions through policy loans. It is the only plan that adds additional capital to the spending already being allocated, with the aim of improving results. With Tri-Zen, all leverage is secured and repaid by the plan. Attractive to those who would otherwise pay substantial taxes on their compensation and benefits.
Is it right for you?
- Employer is a Not for Profit or C Corp (or LLC taxed as a C Corp).
- Group size of 15 or more potential participants.
- Earning more than $200,000 per year.
- Under the age of 65.
- Standard or better health.
CashStream
Cashstream is a way for an organization to fund liabilities through the use of financing and life insurance on employees. Applications would include retirement healthcare costs, deferred compensation, ESOP(Employee Stock Ownership Plan), repurchase obligations, and succession plans. Instead of using corporate cashflow, the corporation pledges collateral to help secure the loan. Cashstream is more efficient than funding via business revenue, and has the potential to save 70-80% of the obligation.
Is it right for you?
- Organization in good standing.
- Has the ability to post collateral or pay interest.
- Have future liabilities they are looking to cover.
- Employees are below the age of 65 and good health.
