Kaizen Wealth Advisors

01/09/2026

Are you looking at the big picture? Resolutions don't just have to be about habits; they can include your financial goals too. This year, follow through by checking in on your savings, spending habits, and upcoming expenses. If you’d like help aligning your financial resolutions with your plan, contact us at 847-312-3454!

At the end of 2024, 52% of Americans planned to make finance-related New Year’s resolutions, according to a WalletHub survey.

01/07/2026

⚠️ Retirement without a tax plan? That’s a risky move.

Many people assume taxes become less important once they retire.
The reality is very different - IRA and 401(k) withdrawals, Social Security, Medicare premiums, and RMDs can significantly reduce your retirement income if you don’t have a strategy in place.

📉 Retirement withdrawals increase taxable income
📈 Higher income can mean higher taxes and Medicare premiums
⏰ Required Minimum Distributions begin at age 73 and are fully taxable

💡 The key is strategic planning and income diversification, including options like Roth IRAs, which can provide tax-free income in retirement.

📞 Contact Kaizen Wealth Advisors at 847-312-3454
🌐 Learn more at ZaplanujFinanse.com

Plan ahead today, so taxes don’t control your retirement tomorrow.

01/05/2026

January is officially considered “Get Organized Month.” Whether you’re setting goals, organizing your financial documents, or considering updates to your plan, starting the year with a little organization can set you up for the future, and we’re always here to
help! 847-312-3454.

01/02/2026

If you’re taking money out of the stock market for retirement income during market downturns, withdrawals combined with losses can devastate a nest egg quickly. We know this as sequence of returns risk, and it all comes down to timing. In this conversation, Dariusz explains what it is, why it’s so dangerous, and how you can build a plan that helps protect you from it. Watch Dariusz Godlewski on Retirement News

In poor market years early in retirement, when you’re taking income, withdrawals combined with losses can devastate a nest egg quickly. We know this as seque...

01/01/2026

Happy New Year! We look forward to helping you on your financial journey throughout the year ahead. Here’s to progress and making your goals a reality!

12/31/2025

Here’s to 2026 and wishing you a wonderful New Year’s Eve - whether you’re watching the ball drop or turning in early for a cozy night in. ✨🥂

Our office will be closed tomorrow as we celebrate the start of an exciting new year ahead.

Wishing you health, happiness, and success in 2026!

12/29/2025

Let’s finish 2025 strong and step into 2026 with confidence.

Simple, proactive moves - like using your FSA funds before year-end, planning charitable giving, contributing to tax-advantaged accounts, or scheduling your tax-prep appointment early - can make a meaningful difference in the future of your finances.

Looking for ideas to get started? Here’s a helpful list of 16 smart ways to prepare for the months ahead:
👉 https://www.fidelity.com/learning-center/smart-money/financial-planning-checklist-for-winter

If you’d like guidance and support with financial planning throughout the year, contact us today at 847-312-3454.

12/24/2025

Merry Christmas to all who celebrate! We hope you get to enjoy the holiday time filled
with the magic of the season and the joy of your family!

12/23/2025

🎄✨ Happy Holidays from Kaizen Wealth Advisors ✨🎄

We would like to express our sincere appreciation for the trust you have placed in us.
It is truly an honor to work with you.

May this holiday season be filled with love, peace, and joy, and may the New Year bring you health, happiness, and continued success.

Warmest wishes for a wonderful holiday season and a bright year ahead. 🤍

12/22/2025

Many retirees are surprised to learn that taxes don’t disappear in retirement - in fact, they can remain one of your largest ongoing expenses.

It’s a common assumption that retirement automatically means a lower tax bracket. But when Social Security benefits, pensions, and retirement account withdrawals are added together, taxes can add up faster than expected.

In this interview, we discuss why tax planning is such a critical part of retirement and how smart, proactive strategies can help you keep more of what you’ve worked so hard to save - while also improving your cash flow throughout retirement.

🎙️ Let’s learn more with Dariusz Godlewski of Kaizen Wealth Advisors:
https://youtu.be/bXhZIGMkBAo?si=TticTjnuq66gYbL6

If you want to move into retirement with confidence and clarity, we’re here to help.

📞 847-312-3454
🌐 www.KaizenWealthAdvisors.com

Retirees are often surprised to learn that taxes can still be one of their largest expenses in retirement. Many retirees think they’ll be in a lower tax brac...

12/21/2025

Happy first day of winter! In the Northern Hemisphere, it is marked by the winter solstice, which means it is the shortest day and longest night of the year! What activities do you have planned?

12/18/2025

Retirement isn’t just about investing.
It’s about having a complete strategy for life.

At Kaizen Wealth Advisors, we take a holistic approach to retirement planning - considering taxes, inflation, rising healthcare costs, longevity risk, and estate planning.

We help with practical, real-life steps such as:
✔ rolling over 401(k) plans after a job change or retirement
✔ opening and managing IRA and investment accounts
✔ setting up investment accounts for businesses
✔ implementing protection strategies, including life insurance and guaranteed income solutions

Our goal isn’t a one-time transaction.
It’s protecting your wealth and maximizing lifetime income.

If you want to move into retirement with confidence and clarity, we’re here to help.

📞 847-312-3454
🌐 www.KaizenWealthAdvisors.com