Introducing you to: Innovation-Knowledge-Confidence- A Team
A unique opportunity
The Way partnered with Ken Bojarski and Innovative Concept almost a decade ago. to deliver a tailored planning process for high-achieving individuals. We combine your current advisors, our specialists, and a vetted network of national financial firms to create plans that move beyond one-size-fits-all strategies
More than just a promise
Talk is cheap. Results matter. With a combined 150 years of industry experience, Innovative Concepts has guided high-achieving clients through complex financial events and toward measurable outcomes.
If you want a tailored blueprint that reflects your goals and values—backed by coordinated expertise and a history of success—we can help you achieve financial confidence and long-term stability.
Collaborative approach
We bring together multiple perspectives—personal advisors, our specialists, and national partners—to design a strategic, customized blueprint.
That coordination creates solutions that protect what matters now and opens opportunities for the future.
How do we achieve this?
We follow a transparent, client-centered five-step process:
- Listen — focused discovery of your goals, risks, and priorities.
- Analyze — a thorough review of assets, liabilities, tax considerations, and opportunities with input from your advisors.
- Design — a prioritized, actionable plan aligned with your values and timeline.
- Implement — coordinated execution with your trusted professionals and our partners.
- Review — regular monitoring and adjustments as circumstances change.
This process produces a practical roadmap that addresses immediate needs while positioning you for sustained success.
A process based on integrity.
We demonstrate our integrity by embracing a fresh perspective. When we say we are built on integrity, it goes beyond mere words.
- We prioritize our clients, putting their needs first and dedicating our time and resources to cater to their specific requirements.
- What sets us apart is our individualized approach. We view each client and partner as a unique individual, not just another case or document. By fostering genuine connections and understanding their distinct circumstances, we forge relationships that transcend the ordinary.
- We invest unparalleled time and thought into our clients, always prioritizing their success and well-being. We go the extra mile to ensure that every step we take aligns with our core values, reinforcing our commitment to integrity in every decision.
- By continuing to service the client year after year, we ensure their plan stays on course and is adapted to their ever-changing situation. It is this process that builds true integrity into a client-built solution.
With a combined 150 years of experience in the industry, Innovative Concepts has a deep pool of knowledge it offers with confidence on a very personal level.
A unique planning approach
- Our planning is practical and event-ready. Whether you face a significant liquidity event, an executive transition, or complex estate considerations, we build plans that anticipate critical moments and preserve optionality. We prioritize clear action steps, coordinated execution, and scheduled reviews so you can act confidently when circumstances change.
- Next step: contact us for a confidential conversation about your objectives and how we can help you achieve them.
Key advantages of an Indexed Universal Life (IUL)
✅ Tax-Free Death Benefit
- The payout to beneficiaries is generally income tax-free under IRS Code §101(a)
- This can provide a significant estate-planning advantage.
✅ Tax-Free Retirement Income
- With a 401(k), you pay taxes later when you withdraw.
- With an IUL, you can take loans or withdrawals tax-free (if structured properly).
✅Tax-Free Policy Loans
- You can borrow against your cash value without triggering taxable income, as long as the policy stays in force
- Loans are typically not reported as income, so you can access money for retirement or emergencies without taxes.
✅. No Market Losses
- A 401(k) is directly tied to the stock market, so if it drops, you lose money.
- An IUL protects your cash value with a floor (usually 0%) – you don’t lose money in down years, but you still earn interest when the market goes up (up to a cap).The cash value inside the IUL grows tax-deferred, meaning you don’t pay taxes each year on interest or index credits.
✅Access Before Age 59½
- 401(k): Big penalties if you take money out early.
- IUL: You can access your money at any age without penalties.
✅ No Contribution Limits
- 401(k): Strict yearly limits (around $23k in 2025).
- IUL: No hard limits – you can put in much more, depending on your income and the policy structure.
✅Life Insurance Benefit
- 401(k): Only savings, no protection.
- IUL: Comes with a death benefit that pays your family if you pass away. If owned by an irrevocable trust, the death benefit can be kept outside your taxable estate, reducing estate taxes for high-net-worth individuals.
