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Our Process

Our Process

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... no copy here ...
... no copy here ...

... no copy here ...

... no copy here ...

... no copy here ...
Continual Growth

Continual Growth

David Bayarena, CFP®, AIF®, MBA has been serving clients in the local area for decades, and Kaizen Wealth Planning are proud to be a part of this vibrant community. While our office is based in Victoria, Texas, we offer online virtual services to clients outside of our area. 

At Kaizen Wealth Planning, we believe that discipline, sacrifice, freedom, and efficiency are crucial values that guide us in our services.

How We Serve
Committed To You

Committed To You

David and his team at Kaizen Wealth Planning want to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation. We understand that personal finance challenges can be overwhelming – from managing debt to saving for college to retirement. Our commitment is to utilize all of our resources to to benefit the well-being of our clients.

  • Retirement

    Where will your retirement money come from? If you’re like most people, qualified retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement income sources.

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  • Investment Planning

    Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snarl some investors.

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  • Tax Planning

    We have developed our expertise in tax-optimized financial planning accordingly. Our approach to financial planning is unique, as we believe that true ownership over your estate leads to optimizing your scarcest asset, which is time. When you own your assets, and your assets do not own you, you begin to live more freely and purposefully with your time.

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  • Insurance

    Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance.

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Educational Insights

Kaizen Wealth Planning leads with a philosophy of total responsibility and embrace continual growth without ever giving up.

Acres of Diamonds

Acres of Diamonds

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Women and Wealth: A Pivot Towards Retirement

Women and Wealth: A Pivot Towards Retirement

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Investment Challenges of the Affluent Investor

Investment Challenges of the Affluent Investor

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Global and International Funds

Global and International Funds

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Saving for College

Saving for College

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The A, B, C, & D of Medicare

The A, B, C, & D of Medicare

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David Bayarena

David Bayarena, CFP®, AIF®, MBA

Founder & Director of Wealth Planning

(361) 412-4226

Investing & Preserving Wealth

We believe in thinking outside the box, and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment, and efforts are focused on you, the client, and your satisfaction. To Kaizen Wealth Planning, the only wrong questions are the ones that remain unasked, and we assure you that we will answer each of those questions with proactive solutions and advice.

Meet The Team

How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investing IQ."

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