In my 35+ years of financial advising, I’ve noticed something important: people rarely come to me asking about “products.”
What they really ask are the serious questions that keep them awake at night, the ones tied to their future, their family, their health, and their legacy.
They sound like this:
1. “How can I retire with enough income to maintain my lifestyle?”
– People worry about outliving their money. Kai-Zen is designed to help create
supplemental, tax-advantaged retirement income so you can enjoy the years you’ve
worked hard to reach.
2. “What happens if I get sick or disabled before retirement?”
– No one likes to imagine it, but it happens. Kai-Zen policies provide living benefits that
may be accessed for long-term care, chronic illness, or disability.
3. “How do I make my assets more tax-efficient?”
– With tax rates likely rising, having another pool of tax-advantaged assets can make all
the difference.
4. “How do I transfer meaningful wealth to my children or grandchildren without losing
control?”
– Families want to leave a legacy that lasts. Kai-Zen may help magnify wealth transfer
while keeping it structured.
5. “What if estate taxes shrink what I leave behind?”
– High-net-worth families in particular know this challenge. Kai-Zen can help position
resources to address estate taxation.
6. “How can I keep my best executives and employees loyal?”
– Business owners ask this constantly. Kai-Zen offers executive and employee benefit
options designed to attract and retain top talent.
7. “How do I protect my business if a partner leaves or passes away?”
– Succession planning is rarely urgent until it suddenly is. Kai-Zen can help fund buy-sell
agreements to create stability when it’s most needed.
8. “How can I get more benefits without taking on more risk?”
– The wealthiest individuals understand the power of leverage. Kai-Zen uses bank
funding paired with indexed strategies to help multiply outcomes conservatively.
Most traditional tools—401(k)s, IRAs, bonds—may answer part of these questions, but rarely all of them. Kai-Zen was designed to bring them together in a single, strategic solution.
It’s not just about finance—it’s about confidence. It’s about knowing your retirement, your family, and your business have layers of protection and growth potential.
That’s why I call myself The Alchemist of Leverage. My role is to help transform ordinary resources into extraordinary outcomes through smart, compliant, and carefully designed Strategies.
👉 If these are the questions on your mind—or on the minds of your executives, business
partners, or family—let’s connect.
👉 Learn more about Kai-Zen here
— Jim Barlow
The Alchemist of Leverage
OakTree Premium Finance – Smarter Leverage. Greater Outcomes.
#KaiZen #Legacy #RetirementPlanning #BusinessOwners #FinancialFreedom
Disclosure: Kai-Zen® is a life insurance strategy. Policy values and benefits are subject to the
claims-paying ability of the issuing insurance company. Leverage involves additional risks and
costs. Tax treatment of life insurance is subject to change and depends on individual
circumstances.