Kaizen Wealth Advisors

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Kaizen Wealth Advisors Retirement | Investments | Insurance Investments and/or investment strategies involve risk including the possible loss of principal.

Our goals for our clients are:

* Tax Free Retirement
* 401K & IRA Rollovers
* Customizes financial strategies
* Asset Optimization
* Safety of assets
* Tax favored status
* Liquidity
* Better than average returns
* Protection for nursing home care
* By-passing probate

*The content of this page is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. There is no assurance that any investment strategy will achieve its objectives. Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered
investment advisor. BCM and Financial Wealth Alliance are independent of each other. Insurance products
and services are not offered through BCM but are offered and sold through individually licensed and
appointed agents

Did you know that after 50, the government lets you save more for retirement than younger people?It's one of the few sit...
10/21/2026

Did you know that after 50, the government lets you save more for retirement than younger people?

It's one of the few situations where age gives you a financial advantage - and yet half of those eligible never use it. Mostly because they don't know it exists.

It's called catch-up contributions. Once you turn 50, your contribution limits grow: in 2026, you can add an extra $8,000 to your 401(k) and an extra $1,100 to your IRA - above the standard limits.

And there's a bonus very few people know about: those aged 60-63 now have an enhanced 401(k) catch-up - a full $11,250 per year extra. Four years of a special window right before retirement.

The system is telling you something important: the final years of your career are not the endgame. They're the moment when you can genuinely catch up - and use the highest earnings of your life to build a cushion for the decades ahead.

The only question is whether you're using that window.

Want to check how much more you can add this year? Let's run the numbers together.

📞 847-312-3454

Which account will your first retirement dollar come from?If you don't know the answer - you're in the majority. And thi...
10/19/2026

Which account will your first retirement dollar come from?

If you don't know the answer - you're in the majority. And this question can be worth tens of thousands of dollars.

National Retirement Security Week begins today - a week the U.S. Senate established to promote retirement security. We want to dedicate it to the topic discussed least often: withdrawal order.

Because for decades, most people ask themselves one question: how much to save. And in retirement, a second one appears, just as important: where to draw from - and in what order.

Taxable accounts, tax-deferred accounts, tax-free accounts - each plays by different rules. The order in which you reach for them affects your annual tax bracket, the tax on your Social Security, and - from age 73 - the size of your required minimum distributions.

Two people with identical wealth can pay completely different taxes over twenty years of retirement. The difference lies in the sequence.

There is no single right order for everyone. There is a right order for you - and it can be built.

📞 847-312-3454

Do you know how much more you can still contribute to your retirement account this year?Most people don't know the answe...
10/12/2026

Do you know how much more you can still contribute to your retirement account this year?

Most people don't know the answer. And it's one of those numbers truly worth knowing - especially in October, with three months left in the year.

In 2026, the contribution limit for a 401(k) is $24,500. For an IRA - $7,500. And if you're 50 or older, both limits come with additional catch-up amounts, which we'll cover in detail next week.

Why does this matter right now? Because limits work on a use-it-or-lose-it basis. Unused space from 2026 does not carry over to 2027. Every year has its own allowance - and its own expiration date.

Not everyone can, and not everyone should, contribute the maximum. But everyone should know how much space they have left - and make a conscious decision about what to do with it.

Three months is enough time to plan contributions calmly, instead of chasing December.

Want to check how much space you have left? Let's talk.

📞 847-312-3454

Do you know what people most often regret after retiring?Not working too little. And not earning too little.Research amo...
10/05/2026

Do you know what people most often regret after retiring?

Not working too little. And not earning too little.

Research among American retirees has shown the same picture for years. At the top of the regret list are three things: starting to plan too late, knowing too little about taxes in retirement, and Social Security decisions made without the full picture.

Notice the common denominator. None of these regrets are about what happened. All of them are about what wasn't known - at the moment when decisions could still have been made differently.

And that's the most comforting part of this research. Because knowledge, unlike time, can be recovered at any moment.

If retirement is still ahead of you - these three topics are worth learning now, while every decision is still open. If you're already there - decisions remain that can still be made better.

The best time for a planning conversation was ten years ago. The second best is today.

📞 847-312-3454

You have savings, accounts, policies. But do you have a plan?It's not the same question - even though at first glance it...
10/02/2026

You have savings, accounts, policies. But do you have a plan?

It's not the same question - even though at first glance it sounds similar.

Accounts are places where money sits. A plan is knowing why it sits there, what it's supposed to do, and when. Accounts answer the question "how much do I have." A plan answers the questions that come later: what will I live on, in what order do I withdraw, what happens when life changes the script.

October is National Financial Planning Month - the month America is reminded of the difference between owning financial products and owning a plan.

Many people we talk to have years of solid saving behind them. The accounts grow, the policies are paid, everything looks orderly. And yet when asked "how does it all work together?" - silence.

Because nobody has ever looked at the whole situation.

A plan is not another product. It's the map that connects what you already have with where you want to go. And that map is the right place to start this month.

Want to see your whole picture? Let's talk.

📞 847-312-3454

Did you know that who inherits your retirement account is decided not by your will - but by one form you filled out year...
09/30/2026

Did you know that who inherits your retirement account is decided not by your will - but by one form you filled out years ago?

That sentence surprises nearly everyone who hears it for the first time. And yet that's exactly how American law works: the beneficiary designation on a retirement account, insurance policy, or investment account takes precedence over your will.

You can have the most carefully prepared will in the world. If the beneficiary form says otherwise - the form wins.

And this is where the stories begin that estate attorneys know all too well. The account that goes to an ex-spouse, because a form from the nineties was never updated. Children left out, because they were born after the document was signed. Wealth flowing exactly where nobody wanted it to flow anymore.

The worst part of these stories: every one of them was preventable - with five minutes of attention.

Check your beneficiary designations. On your retirement account, your insurance policy, everywhere. Make sure a document from years ago says the same thing you would say today.

And if you'd like to review everything calmly, with support - we're here.

📞 847-312-3454

Did you know that after age 73, the government makes you withdraw money from your account - whether you want to or not?I...
09/28/2026

Did you know that after age 73, the government makes you withdraw money from your account - whether you want to or not?

It's called RMD - Required Minimum Distributions. And for many people, it's the most surprising news in all of retirement planning.

For decades, the system encouraged you to save: contribute, deduct, build. But that generosity came with fine print. The IRS deferred its tax - it never gave it up. And at age 73, it comes to collect.

From that moment, every year, you must withdraw a specified minimum amount from your traditional retirement accounts - calculated from tables - and pay income tax on it. Don't want to withdraw? The penalty runs up to 25% of the amount you failed to take.

But here's the good news: RMDs can be planned for. Spreading withdrawals earlier, Roth conversions in the right years, a considered sequence of accounts - all of it can meaningfully reduce that decade's tax bill.

There's one condition: you have to start before the clock reaches 73.

How many years do you have left?

📞 847-312-3454

Did you know your Roth IRA clock only starts ticking with your first contribution?It's one of the least-known rules in t...
09/24/2026

Did you know your Roth IRA clock only starts ticking with your first contribution?

It's one of the least-known rules in the entire retirement system - and it can surprise you at the worst possible moment.

It's called the five-year rule. It says that for your Roth IRA earnings to be withdrawn completely tax-free, at least five tax years must pass from the year of your first contribution - regardless of your age.

What does that mean in practice? Even if you're 60 and open a Roth IRA today, fully tax-free withdrawals of earnings wait until you're 65. The clock doesn't ask your age. It counts from the first contribution.

And here's the takeaway that matters most: that clock is worth starting as early as possible. Even with a symbolic amount. Even a hundred dollars. Because the first contribution - however small - starts a timer that then works entirely in your favor.

Five years will pass either way. The only question is whether your clock will already be ticking.

Want to see how this works in your case? Let's talk.

📞 847-312-3454

Two retirement accounts. Two completely different tax paths. Which one is right for you?The Traditional IRA is the road ...
09/21/2026

Two retirement accounts. Two completely different tax paths. Which one is right for you?
The Traditional IRA is the road most people know: you contribute money before taxes, lower today's tax bill, and the account grows for years. The IRS waits patiently — and claims its share with every withdrawal in retirement.
The Roth IRA reverses that order. You pay the tax right away, on the amount you contribute. In return, everything the account earns over the years — and everything you withdraw in retirement - remains entirely yours.
Which one is better? That depends on a single question: are your taxes higher today, or will they be higher tomorrow?
If you pay less today than you're likely to pay in retirement — Roth tends to come out ahead. If it's the other way around — Traditional may win. And here's the most interesting part: you don't have to choose just one path. Many of our clients hold both accounts side by side — and it's the proportions between them that make the biggest difference.
This choice deserves a calculation, not a coin flip.
Want to see how the numbers look for you? Let's talk.
📞 847-312-3454

What if there were an account whose retirement withdrawals are completely tax-free?No, this is not a marketing trick. It...
09/16/2026

What if there were an account whose retirement withdrawals are completely tax-free?

No, this is not a marketing trick. It's the Roth IRA - a retirement account that works in reverse of everything you're used to.

In a traditional retirement account, you contribute money before taxes, and the IRS waits patiently for its share - claiming it with every withdrawal in retirement.

The Roth IRA flips this. You pay tax today, on the amount you contribute. And then - done. Everything the account earns over the years, and everything you withdraw in retirement, is yours. Entirely. The IRS has nothing left to add.

No taxes on growth. No taxes on withdrawals. And - surprising to many - no forced withdrawals for as long as you live.

Sounds too good? That's exactly why the details matter - the limits, the rules, the conditions. We'll be covering them all September long.

And if you want to check whether a Roth IRA makes sense in your situation - let's talk.

📞 847-312-3454

Address

650 Dundee Road STE 270
Northbrook, IL
60062

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

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