This past week, the final deadlines passed for those who filed a tax extension. For higher income executives, this moment is a painful reminder: The IRS always gets its share.

You've successfully sprinted through Q3, you're finalizing year-end bonuses, and your company is generating profits. All that success translates into one certainty: a massive, unavoidable future tax liability on every dollar you plan to withdraw from your traditional retirement accounts.

You are capped out of your 401(k). Every new dollar of wealth faces a full tax rate. But the clock is ticking on the most strategic move you can make to fix this.

October is the final, critical window to initiate a Kai-Zen strategy that leverages Other People's Money (OPM) to build a massive, tax-free retirement plan—effectively insulating a substantial portion of your future wealth starting in Q1 2026.

The Executive’s Core Q4 Problem: Taxable Growth

Higher earners operate with a paradox: you have the capital and the opportunity for massive wealth creation, yet the traditional financial system punishes your success with taxes.

• The Inefficiency of Savings: To grow your qualified plan, most often, you must participate in contributions of money yourself, and every distribution is taxed later.

• The Bonus Trap: That big year-end bonus? A significant percentage is immediately reduced by tax, devastating its long-term wealth potential.

Kai-Zen solves this by introducing leverage—an executive tool you use every day in your business—to your personal retirement strategy. It uses institutional financing to super-fund an Indexed Universal Life (IUL) policy, creating a vehicle where:

1. Bank Leverage Multiplies Your Capital: The bank contributes up to $3 for every $1 you contribute.

2. Growth is Tax-Deferred: Your multiplied capital grows protected from annual taxes.

3. Distributions are Tax-Free: You can access the cash value using policy loans tax-free in retirement.

The Urgent Q4 Checklist: Why You Cannot Delay Past October

The process of structuring and underwriting a leveraged IUL plan is not an instantaneous transaction—it's a sophisticated financial maneuver that requires time. Initiating this process in the 3rd week of October makes it possible to hit key milestones that dramatically accelerate your tax-free growth.

1. Secure Your Position Before the Year-End Bonus Cycle

Many executives receive their largest compensation, stock options, and bonuses in December or January. This is the most dangerous money from a tax perspective.

• The Advantage: By starting Kai-Zen now, you ensure the underlying structure is fully established and ready. This positions you to direct your highly-taxed year-end compensation into the most tax-efficient vehicle possible at the earliest moment in Q1, maximizing the percentage you keep.

2. Maximize the Power of OPM Compounding

In a leveraged strategy, time is your most valuable asset. The longer the bank's portion of the capital grows for you, the greater the final tax-free payout.

• The Critical Delay: If you wait until January, you lose the crucial administrative lead time needed for underwriting and approval, potentially pushing your first leveraged contribution into Q2 or Q3 of 2026. This delay can potentially cost you an entire year of leveraged, tax-deferred growth.

3. Navigate End-of-Year Administrative Friction

As Q4 winds down, financial firms, lenders, and administrative partners become jammed with year-end requests.

• Proactive Executive Move: Starting your initial application and underwriting now allows you to bypass the inevitable Q4/Q1 logjam, ensuring your personal plan is prioritized and approved before the corporate world shuts down for the holidays.
  
  

  

  
  
  
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  The Strength of Gentleness

In the talk, John emphasizes that true strength isn’t shown through force or loudness, but through humility, gentleness, and patience. He encourages listeners to walk in a way worthy of their calling—meaning to live in integrity and character—by showing kindness and tolerance even in difficult times.

He also points out that gentleness doesn’t mean weakness. Rather, it’s a powerful virtue that can transform relationships and influence others positively. It’s in being gentle in speech and action that one can reflect true inner strength and inspire change.

May God Bless You!