Empowering Businesses to Save, Secure, Innovate, and Thrive
Section 125 savings. Living benefits. R&D tax credits. Executive retention—all infused with purpose and clarity.
At Kaizen Group Intl., we help businesses protect, grow, and fund their purpose with a Section 125 Cafeteria Plan, R&D Tax Credit Incentives, and Income Insurance with Living Benefits, IUL, and annuities—building security today, fueling innovation, and creating legacy tomorrow.
– Kuya William Peetoom, CEO & President | Kaizen Group Intl.
About Kaizen Group International
About US
Meet the Founder, CEO & President Kuya William Peetoom
Kuya William Peetoom is the Founder & Wealth Architect of Kaizen Group International, Commissioner of Senior Affairs for the City of San Diego, and a master connector dedicated to helping people and organizations unlock wealth they didn’t know was possible. Born to a Dutch father and Filipino mother, William blends the discipline and vision of his European heritage with the spirit of service from his Filipino roots. His mission is to align values with financial outcomes so entrepreneurs, nonprofits, and community leaders can keep more of their own money and reinvest it into the impact they were born to make.
William is a passionate advocate for zentrepreneurism—a philosophy that merges Buddhist mindfulness with modern business strategy. He believes that when leaders cultivate clarity, presence, and compassion, their ventures not only grow but create lasting, positive ripples in the world. With decades of experience in business leadership, coaching, and spiritual practice, William bridges practical strategy with purpose-driven vision. Kaizen—meaning “continuous improvement” is more than the name of his company; it’s his life philosophy. Whether securing six-figure tax credits for nonprofits, boosting healthcare centers’ cash flow by 45%, or helping business owners design tax-free retirement strategies, his work is focused on legacy-building, not just profit. Guided by the principles of integrity before income, relationships over transactions, and impact over ego, William believes true wealth is what you empower others to create.
Payroll Tax Savings Through Section 125 Wellness
Overwhelmed by Payroll Taxes? See How Wellness Strategy Became Their Secret Weapon
- The Challenge: “A Post Acute Hospital Rehabilitation Center was losing out on payroll tax savings, threatening its wellness program funding.”
- Our Approach: “We mapped overlooked savings and created a step-by-step recovery plan.”
- Results: “With reclaimed funds, the hospital expanded staffing by 40%—transforming uncertainty into strategic confidence.”
Wellness & Payroll Tax Savings Section 125
Patriot Preventive Care (PPC) — a federally backed, IRS-approved Section 125 Wellness Program lets you provide eligible employees with a pre-tax preventive care benefit while cutting your payroll taxes (FICA, FUTA, etc.) by about 7.65% per dollar contributed.
Employers save an average of $650 per employee annually at no-net-cost, while employees gain cash incentives for screenings, coaching, and preventive visits. PPC boosts morale, supports DEI and public health goals, and delivers measurable wellness outcomes.
A smarter, compliant way to save money, elevate care, and create a healthier, more engaged workforce—without adding to your benefits budget.
LINK: Explore Section 125 - Benefits for Owner →
Here’s How It Works
Your employees are given the choice to join the program—it’s completely voluntary. When they opt in, a set amount is deducted from their paycheck before taxes are calculated. This single change does something powerful: it lowers taxable income for both you and your employees, meaning you both pay less in payroll taxes.
For you as the employer, that translates into about $650 in annual tax savings per enrolled employee. Instead of those dollars going to the IRS, they’re redirected to pay for meaningful benefits—such as preventive care, telemedicine, and wellness services—that directly improve your team’s health and well-being. In short, the program funds itself.
Here’s where it gets interesting: the money never disappears; it’s simply rerouted from tax payments into valuable, tangible services that your employees will thank you for. They see real, everyday value—access to better care, fewer out-of-pocket expenses, and peace of mind knowing they’re covered. You, in turn, see higher morale, better retention, and a healthier, more productive team.
This isn’t just a tax strategy—it’s a win-win system that keeps more money in your business, provides better care for your people, and strengthens your bottom line without adding to your expenses.
Facing Life’s Uncertainties?
See How Living Benefits Became Their Shield
Living Life Defender
Your Shield for Life’s Unexpected Storms
What it is:
Living Life Defender is a financial protection strategy built on the power of living benefits. Unlike traditional life insurance that pays out only after death, this program gives you immediate access to funds while you’re still alive—when you need them most.
What it does:
If you face a critical, chronic, or terminal illness, Living Life Defender steps in to provide quick, tax-advantaged funds. This means you can cover medical expenses, maintain your income, and protect your business operations without draining your savings, going into debt, or compromising your future goals. It safeguards your health, your livelihood, and your legacy—allowing you to keep building your dreams even during life’s toughest challenges.
Who it’s for:
- Business owners & entrepreneurs who want to protect their company, employees, and income.
- Families & individuals who want financial security and peace of mind for themselves and their loved ones.
- Healthcare professionals & essential workers who can’t afford long downtime due to illness.
- Executives & key employees whose role is critical to an organization’s stability.
Why it matters:
With Living Life Defender, you’re not just buying a policy—you’re investing in the freedom to live fully, the confidence to plan boldly, and the assurance that your future is protected, no matter what life brings.
Transform Your Business. Elevate Your Legacy.
Cashflow Alignment – Reclaim Hidden Income and Reinvest in Growth.
Purpose Driven Recovery – Turn Overlooked Tax Credit Incentives into Mission Fuel.
Cashflow Alignment – Reclaim Hidden Income and Reinvest in Growth.
Unlock Hidden Cash and Expand Your Legacy
Uncovers tax credits and hidden deductions.
Reclaims missed income for mission impact.
One client lifted income by 45% within six months—through purpose-led clarity.
Learn How We Amplify Cash Flow →
Wellness Strategy – Expand Wellbeing and Invest in Retention
Purpose Driven Recovery – Turn Overlooked Tax Credit Incentives into Mission Fuel.
Cashflow Alignment – Reclaim Hidden Income and Reinvest in Growth.
Turn Overlooked Savings into Lasting Workforce Health
Empower your organization with transforming pre-tax savings into strategic wellness investments.
Boost employee engagement, reduce turnover, and foster a culture where health and productivity thrive together.
Frees time and energy for transformative work.
Discover the Wellness Advantage →
Purpose Driven Recovery – Turn Overlooked Tax Credit Incentives into Mission Fuel.
Purpose Driven Recovery – Turn Overlooked Tax Credit Incentives into Mission Fuel.
Purpose Driven Recovery – Turn Overlooked Tax Credit Incentives into Mission Fuel.
Expand Influence—From Local Roots to Regional Reach
Implements pre-tax wellness benefits for staff.Reduces payroll tax burden and boosts wellbeing.
Explore Transformation Stories →
Living Benefits Insurance
Living Benefits Insurance
Living Benefits Insurance
A transformational insurance offering that delivers financial resilience when life evolves—through accelerated living benefits, cash-value access, and wisdom-infused protection, aligned with your pursuit of wellness, legacy, and financial freedom.
Discover the Wholeness Approach →
Key Employee Insurance
Living Benefits Insurance
Living Benefits Insurance
Safeguard your mission-critical team with insurance solutions that honor your leadership vision—ensuring their protection supports your collective legacy and operational flow.
Protect Your Pillars” →
Executive Bonus
Living Benefits Insurance
Executive Bonus
Elevate rewards for your leaders with tax-advantaged bonus strategies—tailored to nurture loyalty, recognize excellence, and reflect your Kaizen-driven values of growth, reflection, and flow.
Honor Your Leaders” →
Strategic Alliances
KAIZEN GROUP INSURANCE APPOINTED PARTNERS
Unlock Your Potential. Prosper with Purpose.
Together, we reclaim what’s yours—strength, purpose, prosperity. We walk your journey: restoring, refining, rising. You deserve recognition, resilience, and reward.