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
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.”
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.