For physicians earning $300k+
Build a tax-free retirement income that matches the lifestyle you've earned.
Most physicians max out every qualified plan and still fall short. The book that changed the math for more than 500,000 readers shows you a different path — one with bank-backed leverage, a 0% floor, and tax-free distributions.
The problem
Most physicians max out their plans and still come up short.
The top 10% of income earners save an average of 9–12% of income. Most physicians need a savings rate of 30–35% to maintain their standard of living in retirement. That is an income gap traditional retirement accounts — capped, taxed, and contribution-limited — simply cannot bridge.
A staggering 74% of financial success is due to the amount of capital you have at work.
90%
of $200k+ households are under-saving
30–35%
savings rate needed to keep your lifestyle
9–12%
what top earners actually save
The vehicle
Not another retirement account. A different way to fund your lifestyle.
Kai-Zen® is an intelligently designed strategy that uses bank-backed leverage to help you frontload your savings and maximize the capital working for you from day one. It is built on an Indexed Universal Life (IUL) policy: principal protection with a 0% floor, growth credited on the performance of indexes like the S&P 500, and the potential for tax-deferred growth plus tax-free supplemental income.
More capital at work
Bank-backed leverage puts up to 3x the funding to work for you from day one — without out-of-pocket interest, personal guarantees, or credit checks.
Built-in protection
High death benefit plus chronic, terminal, and living benefit riders — protection designed around the risks a physician's career actually faces.
Confidence in any market
A 0% floor means your account is positioned to be protected from market losses while still tracking index growth.
Why Kai-Zen® is different
Frictionless financing
- No credit checks
- No personal guarantees
- No loan documents to sign
- No out-of-pocket interest expense
Comprehensive security
- High death benefits
- Living benefit riders
- Chronic illness riders
- Terminal illness riders
Accelerated, tax-free growth
- More capital at work
- Tax-efficient growth
- Tax-free distributions
- Zero market loss
How it works
Five payments from you. A decade of funding.
Kai-Zen® pairs your contributions with bank financing on a fixed timeline. No credit check, no personal guarantee, no out-of-pocket interest — the loan is repaid by the policy itself.
Step 1
Fund policy
You make five annual payments. The lender funds the policy for a full decade, covering every payment after year five.
Step 2
Grow value
Policy values can grow over time on a tax-advantaged basis, shielded from annual taxation.
Step 3
Repay loan
The bank loan and its interest are repaid in year 15 from the policy's compounding cash value — not from your pocket.
Step 4
Take income
What remains keeps growing tax-deferred and can fund a flexible, tax-efficient income stream.
Case study
Same $250,000. Two very different retirements.
Two 45-year-olds each contribute $50,000 a year for five years. One funds a traditional IUL. The other uses leveraged Kai-Zen®.
Traditional IUL
Leveraged Kai-Zen®
Total contributions
$250,000
$250,000
Strategy
Traditional IUL
Leveraged Kai-Zen®
Potential retirement income
$70,000/yr
$113,000/yr
Total potential distributions
$1,680,000
$2,712,000
Death benefit at age 90
$480,723
$1,258,635
Hypothetical case study: 45-year-old male, Preferred Plus Nontobacco. Kai-Zen® assumes five annual payments of $50,000 with a lender funding the remaining five years of the first decade. All illustrated values are non-guaranteed and based on a hypothetical 6.65% annual growth rate; actual performance may be lower. In a guaranteed scenario (0.10% interest) the policy would not support these distributions and could lapse. Cash value is accessed via indexed loans carrying a 5.00% annual charge; if loan charges exceed credited interest, cash value and death benefit decrease and additional out-of-pocket premiums may be required. Ask for a full illustration.
Proof of concept
See what this could mean for your numbers.
In about 30 seconds you can estimate your potential tax-free distributions, death benefit, and the bank leverage that makes Kai-Zen® different from funding the same policy on your own.
- Adjust age, gender, and annual contribution
- See annual and total tax-free distributions
- Compare the leveraged vs. non-leveraged outcome
No personal information required to run the estimate.
Run your numbersSocial proof
What physicians say after running their numbers.
“I found the Kai-Zen Plan to be a great way to catch up on my retirement savings plan. Kai-Zen provides 3x the money! I'm glad I went with Tom and I know you will too.”
“I've been in the Kai-Zen Plan for seven years and it's performed just as projected. I'm also implementing Kai-Zen for my children. Working with Tom has been a pleasure. I recommend the Kai-Zen Plan.”
You didn’t train for a decade to run out of options at 65.
The point of the strategy isn’t the strategy. It’s the years afterward — the time, the travel, and the security you leave behind for the people who waited through every call shift.
Get the book that explains how it works.
Request your complimentary copy of Tax-Free Retirement and Tom Ashbaugh will include a Kai-Zen® benefit estimate built around your income, specialty, and timeline.
Questions
Frequently asked questions
Is the book really free?
Yes. We mail a complimentary hardcopy of Patrick Kelly's Tax-Free Retirement to your practice or home at no cost and with no obligation.
Do I have to talk to a salesperson?
No. Requesting the book does not trigger a sales pitch. Tom Ashbaugh may follow up to confirm your mailing address and, if you like, run a personalized Kai-Zen® illustration.
How is this different from my 401(k)?
Traditional qualified plans have contribution caps, required distributions, and taxable withdrawals. Kai-Zen® uses bank-backed leverage inside a permanent life insurance structure to put more capital to work and create the potential for tax-free supplemental income.
What happens after I request the book?
We ship your copy within a few business days. If you included your specialty and state, we'll also prepare a personalized Kai-Zen® benefit estimate for your income and timeline.
Is Kai-Zen® only for physicians?
Kai-Zen® works best for high-income professionals with strong, stable cash flow. We focus on physicians because the strategy is particularly effective for your income trajectory and retirement gap.