Introducing you to: Innovation-Knowledge-Confidence- A Team
A unique opportunity
The Way partnered with Ken Bojarski and Innovative Concept almost a decade ago. We did so because his team offers a unique, tailored planning process for high-achieving individuals. We recognized the need to go beyond generic strategies. We wanted to create a collaborative environment that brings together your current advisors, our select team, and a deep pool of national financial firms.
More than just a promise
We know talk is cheap, and we know you need more than just promises. That’s why we pride ourselves on our track record of success.
We have helped numerous high-achieving individuals navigate complex financial landscapes and achieve their goals. So, if you’re looking for more than a run-of-the-mill holistic planning service, if you want a tailored blueprint that reflects your unique aspirations and values, then consider Innovative Concepts.
Our collaborative approach, proven success, and dedication to safeguarding your future sets us apart. Let us help you achieve financial peace of mind and unlock the doors to your future success.
Collaborative approach
Our collaborative approach has proven to be a game-changer for our clients. By combining the expertise of multiple perspectives, we have crafted unparalleled financial solutions for those eager to safeguard their futures.
But what sets us apart is not just the service we provide – it's the strategic blueprint we create, customized to realize your unique financial aspirations and ensure a secure future.
How do we achieve this?
Through our tailored planning process, we delve deep into your financial goals, aspirations, and concerns. We analyze and assess your current financial situation, leveraging our network of top professionals and financial institutions, to develop a plan that is truly personal to you.
We aim to provide you with a comprehensive road-map that addresses your immediate needs while positioning you for long-term success.
What is 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. Our unwavering commitment extends to vetting our partners diligently, ensuring that their values align with our own.
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. Now, you might wonder how Innovative Concepts stands apart from other firms that make similar claims.
The answer lies in our incomparable dedication. 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 we make.
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
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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.
