3 Dimensional Wealth Radio

Each week, on his 3 Dimensional Wealth YouTube channel, Doug Andrew offers answers to commonly asked questions. Lately he’s been fielding a number of questions about 457 plans. This plan is similar to a 401(k) or 403(b) but it is a non-qualified plan.

457 plans are generally made available to police officers, firefighters, school teachers and so forth. These plans have some similarities to the 401(k) that most people are familiar with but Doug says there’s an even better choice than all of these to save for retirement.

HERE’S A SNAPSHOT OF SOME OF THE TOPICS COVERED THIS WEEK:

* What is the difference between qualified and non-qualified plans? Learn which plans are subject to federal ERISA guidelines and which aren’t.

* Why do most people choose the government-sponsored plan when offered the choice? Doug explains how participating in a 457 plan is like deferred compensation.

* How does a 457 plan protect the money that’s being deferred? Doug reveals how the money deferred under these plans is protected from your creditors’ claims in the case of bankruptcy, etc.

* What are the disadvantages of the 457 plan? Doug shares how getting a tax break on your seed money isn’t as important as getting one on your harvest money.

* Why is the expectation of being in a lower tax bracket at retirement an illusion? Learn how a shocking number of people find themselves with fewer deductions and paying more taxes when they reach retirement.

* How is putting your savings into a tax-deferred account like driving down the freeway with a foot on the gas and one on the brake? Doug explains the critical importance of getting those taxes over and done with and allowing your money accumulate tax-free.

* And much, much more…

Start by visiting with a IUL Specialist today.

Thanks to Covid, it’s been nearly a year and a half since Doug Andrew has been able to host a live educational event. But just such an event called Retire By Design is approaching and Doug is excited to invite clients and students to join him in the Bay Area near the end of September.

During this six hour event, he’ll be teaching some of his most sought after topics, including the Five Critical Steps a person should take before retiring. Whether your retirement is 10-15 years out or longer, this is information that will get you squared away for your golden years. Even if you’ve already retired, it’s not too late to become better prepared.

CHECK OUT THIS SNEAK PREVIEW OF JUST A FEW OF THE TOPICS DOUG COVERS THIS WEEK:

* Why is it so important to have clarity as you’re approaching retirement? Doug spells out what you need to know about the big picture.

* How can you put away those worries about outliving your money? Learn why becoming a couch potato is not an option upon reaching retirement.

* What are Doug’s 10 Key Principles that you must understand about the financial dimension? Discover the difference between how to plan for retirement versus how to plan when you’re at retirement.

* How can a person enjoy liquid assets safely earning a predictable rate of return regardless of market volatility? Doug shares the details on his LASER fund and how it checks off all the right boxes.

* Why is tax-free accumulation, access and distribution so essential to a worry-free retirement? Doug explains why those who understand the difference between tax-free and tax-deferred will have plenty of reason to celebrate.

* What are the 5 critical steps you need to take in order to truly be prepared to retire? Doug has some game changing information that will enable you to know where you are at as well as where you need to be.

* And much, much more…

Start by visiting with a IUL Specialist today.

Each week on Doug Andrew’s free 3 Dimensional Wealth YouTube channel, you can watch a new video answering a specific question that has been asked by his clients and students. It’s a great way to learn about the strategies that Doug has been using as a tax strategist and retirement planning specialist for more than four and a half decades.

In today’s broadcast, Doug tackles the question of insurance companies can afford to rates of return that other invests can only dream of. While an 8-10% or higher rate of return is worth celebrating, the fact that it can be done without risking your principal is what’s truly remarkable.

HERE IS A QUICK SYNOPSIS OF JUST A FEW OF THE TOPICS COVERED THIS WEEK:

* How can you protect your money from market losses? Doug lays out the strategy to avoid losing money due to market volatility while capturing the upside of market gains.

* What is indexing and why is it so poorly understood by many financial advisors? Learn the difference between indexed mutual funds and Doug’s preferred means of tying your money to the market without risking it in the market.

* Why should you be taking a closer look at maximum-funded universal life insurance contracts? Discover why this is one of Doug’s favorite vehicles for putting aside money for the future.

* When it comes to your retirement nest egg, what is the major difference between tax-deferred and tax-free accumulation? Doug explains why this distinction is crucial to anyone who doesn’t want to outlive their savings.

* How can you save up a million dollars for your retirement, even if you’re not swimming in cash? Doug shares the simple rules of consistently putting money into a tax-free vehicle that will make all the difference.

* Where can you enjoy liquid assets safely earning predictable rates of return? Doug’s LASER test is something that will put you on a path to a brighter financial future for which IRA and 401(k) owners can only dream.

* And much, much more…

Start by visiting with a IUL Specialist today.

Subscribers to Doug Andrew’s free 3 Dimensional Wealth YouTube channel get a steady supply of answers to commonly asked questions about money. Each week he posts a new video answering a question that has been asked by multiple individuals.

Recently, Doug was answering the question of how to legally avoid paying taxes. It’s essential that you understand that there are parts of the IRS Code which have been sacred cows for more than a century. Once you understand what those sections of the code allow, you can enjoy tax-free accumulation, access and even transfer of your nest egg.

CHECK OUT THIS SNEAK PEEK AT SOME OF THE TOPICS DOUG SHARES THIS WEEK:

* What’s the difference between tax evasion and tax avoidance? Doug reveals how the IRS has allowed for ways to avoid paying unnecessary taxes for more than a century.

* What are “social dollars” and how much should you feel obligated to give to the taxman each year? Learn how the government allocates your tax dollars which allocations carry a kind of social responsibility.

* Is there a savings vehicle that can provide you with protection from unnecessary taxes? Doug describes the LASER fund and how it’s possible to enjoy liquid assets safely earning predictable rates of return.

* Why is what you do at retirement different from what you did to prepare for retirement? Discover how people paint themselves into a corner, tax-wise and find themselves caught in what Doug calls “tax traps.”

* How can anyone with an IRA or 401(k) avoid the most notorious tax trap of them all? Doug explains the essential difference between tax-deferred and tax-free savings as well as which of them is the better bet for the future.

* What causes so many people to outlive their retirement savings? Doug lays out the facts on how people find themselves in a higher tax bracket and with fewer deductions at the time in life when they really need them.

* And much, much more…

Start by visiting with a IUL Specialist today.

When subscribe to Doug Andrew’s free 3 Dimensional Wealth YouTube channel, you get a steady supply of answers to commonly asked questions about money. One of the most common questions Doug hears is about how to not lose money when a market downturn occurs.

One of Doug’s favorite strategies is called indexing. It’s a way to enjoy the benefits of those times when the market grows while eliminating the risk of losing principal during market downturns. If you’ve been paying attention the past few years, you’ll understand why this is such an important concept.

HERE’S A SNAPSHOT OF JUST A FEW OF THE SUBJECTS COVERED THIS WEEK:

* What’s the difference between indexing and indexed mutual funds? Doug explains how these are totally different concepts and which one offers the greatest monetary security and peace of mind.

* How does indexing shield you from the ravages of market volatility? Learn how having your serious money tied to the market is very different from having it at risk in the market.

* Is there a savings vehicle that can provide you with protection from higher taxes, rising inflation and ongoing market unrest? Doug shares his thoughts on maximum-funded, tax-advantaged indexed universal life insurance contracts.

* What is the LASER test and why is it so important to the indexing strategy? Discover how it’s possible to enjoy liquid assets safely earning a predictable rate of return.

* How can you legally accumulate money tax-free and then access it tax-free at retirement? This is information that anyone with an IRA or 401(k) should know if they want to avoid outliving their retirement nest egg.

* Why is Doug’s preferred savings vehicle considered a sacred cow of sorts by the IRS? Doug explains the various sections of IRS code that have grandfathered in tax advantages for this vehicle for over 100 years.

* And much, much more…

Start by visiting with a IUL Specialist today.

Recently Doug Andrew spent some time explaining some of the most common mistakes that people make when planning for retirement. In today’s episode, he summarizes the 8 that he covered previously and will also cover the two remaining mistakes.

If you’re serious about learning how to make the right types of investments so you don’t outlive your money, you’ll appreciate this subject.

CHECK OUT THIS PREVIEW OF JUST A FEW OF THE TOPICS DOUG COVERS THIS WEEK:

* What is the difference between how you plan for retirement vs how you plan at retirement? Learn the critical distinction between these concepts and how it will benefit you upon reaching retirement.

* Is market volatility a threat to your financial peace of mind? Doug shares his 45+ years of experience and shows you how to position your money to alleviate this threat.

* Why is it so unlikely that you’ll be in a lower tax bracket upon reaching retirement? What was once axiomatic is no longer so and Doug explains why this is the case and what you should do about it.

* How do you stay ahead of inflation, higher taxes and ongoing market volatility? Doug spells out the risks of each and how they can be countered.

* Does deferring taxes save you money, in the long run? Doug says, no way, and his explanation of why this is so may be the most important information you’ll hear today.

* Is it possible to enjoy liquid assets safely earning a predictable rate of return? Doug reveals his favorite savings vehicle and explains why it delivers on all counts.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew recently posted a video on his 3 Dimensional Wealth YouTube channel about the 4 pillars you must understand to ensure that you don’t outlive your retirement money. He’s drawing upon his experience helping thousands of people as a retirement planning specialist and financial strategist for more than 47 years.

If you’ve ever wondered about the key elements of a prudent investment, this is an episode that you’ll want to hear.

Doug will share those key elements as well as a handy test that you can use to score potential investments so that you can move toward your brighter future with confidence.

CHECK OUT THIS SNEAK PEEK OF JUST A HANDFUL OF THE TOPICS DOUG COVERS IN THIS EPISODE:

* Why do so many people get their priorities in the wrong order when analyzing an investment? Doug explains how the liquidity is the number one key element of a prudent investment and why you should settle for nothing less.

* What causes so many people to hyper-fixate on rate of return when investing? Doug shares what he’s discovered over the past 4 and half decades that will illustrate the necessity for having these priorities in order.

* Is there a reason that so many banks have their tier 1 assets held in legal reserve insurance companies? Learn why insurance companies have historically survived market volatility that many banks did not survive.

* How does safety factor into being a key element of a prudent investment? Doug spells out what AAA and BBB ratings mean for financial institutions and why this is an essential consideration for long term financial goals.

* How can you determine what is an acceptable vs. unacceptable rate of return for your investment? Discover how this 3 key element of a prudent investment must be approached and what Doug recommends.

* What are the necessary tax benefits of a prudent investment? Doug explains how understanding the difference between tax-free and tax-deferred accumulation will give you greater financial security and peace of mind in the long run.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew has been a retirement planning specialist and financial strategist for more than 47 years. In that time, Doug has helped thousands of his clients, students and listeners to optimize their assets, minimize taxes and empower their authentic wealth.

He’s also taught them how to make the right types of investments so they don’t outlive their money. In today’s broadcast, Doug will share 10 of the most common mistakes that people make when saving for retirement.

Understanding these mistakes now will give you an undeniable edge in preparing for your brighter future. You’ll understand what these mistakes are, why people make them and how to avoid making them yourself.

HERE’S A SNAPSHOT OF JUST A FEW OF THE TOPICS DOUG COVERS THIS WEEK:

* Are the mistakes Doug describes unique to the Baby Boomer generation alone? Learn how other generations are falling into the same patterns and making many of the same missteps as the Baby Boomers have done.

* How does having your retirement nest egg invested directly in the stock market put you at risk? Doug explains how having your money in the market subjects you to the ongoing market volatility–especially at retirement.

* Why do so many people have their serious savings in yet-to-be-taxed accounts like IRAs and 401(k) when there are better alternatives? Doug shares the vital difference between tax-deferred and tax-free accumulation.

* Is there a difference between what you should be doing for retirement vs. what you should be doing at retirement? Discover why these two different life periods require a very different approach.

* Is it possible to build a predictable income stream without strictly using Wall Street? Doug explains how you can utilize his favorite savings vehicle to provide liquid assets safely earning predictable rates of return.

* Why do so many people with money in the market tend to sell and buy at exactly the wrong times? Doug lays out how the ongoing market volatility creates panic that leads people to do irrational things out of fear.

* And much, much more…

Start by visiting with a IUL Specialist today.

If you’re serious about optimizing your assets, minimizing your taxes and empower your authentic wealth, Doug Andrew’s 3 Dimensional Wealth YouTube Channel is a powerful resource. Each week Doug answers questions that his clients, students and listeners have been asking.

A lot of those questions lately have centered around inflation. In this episode, Doug explains the causes of inflation as well as what you can do protect yourself. Understanding these things now can not only protect your money but you may actually profit during the coming recession and probable market crash.

Talking about inflation isn’t giving in to doom and gloom. It’s about facing reality squarely and then putting proven strategies to work protecting your serious money from the triple threat of higher taxes, rising inflation and ongoing market volatility.

CHECK OUT JUST A FEW OF THE TIMELY SUBJECTS COVERED IN THIS WEEK’S PROGRAM:

* How is inflation a hidden tax that affects each of us and why do many fail to recognize it for what it is? Doug defines inflation and spells out exactly how it robs every dollar we’ve saved of its buying power.

* What exactly is causing inflation to rise now? Learn why the ignorance of politicians regarding economics results in their policies often having serious unintended consequences.

* Why does government spending more than it takes in impact your pocketbook? Doug describes the spending crisis created by lawmakers and how they’re setting the stage for inflation of the money supply and higher taxes.

* Is current government spending unsustainable and, if so, why should you be watching for what comes next? Doug shares why current out of control spending will end and how politicians are being tempted by your nest egg.

* How does government paint itself into a corner when it outspends what it takes in? Doug explains why politicians choose to see printing more money or raising taxes as their only viable choices.

* Is there a way to protect your nest egg from the ravages of higher taxes including the hidden tax of inflation? Doug offers a proven solution to enjoying liquid assets safely earning a predictable rate of return.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew’s 3 Dimensional Wealth YouTube channel is a powerful tool for helping to teach people and organizations how to optimize their assets, minimize taxes and empower their authentic wealth. It’s free to subscribe and it’s where Doug provides answers to commonly asked questions regarding money.

Lately, he’s been hearing a lot of questions about cryptocurrency. Specifically, people are asking whether or not they should invest in it. In today’s episode, Doug offers his take on a topic that is increasingly on people’s minds.

Doug has been a financial strategist and retirement planning specialist for more than 47 years and the first thing he would say is don’t rely on or invest in cryptocurrency for a stable retirement income.

CHECK OUT THIS PREVIEW OF JUST A FEW OF THE CONCEPTS COVERED IN THIS WEEK’S BROADCAST:

* Is cryptocurrency just a fad or does it have a viable future? Doug shares his thoughts on when he first encountered Bitcoin and what he has observed since that time.

* Should you be concerned that cryptocurrency is not backed by something tangible that holds value? Doug walks us through the history of fiat currency vs. currency that’s backed by something of value like gold or silver.

* Why is cryptocurrency so volatile and what does that mean for your long-term financial stability? Doug lays out the reasons you should question whether you’d be willing to rely on something like that for your retirement income.

* Are there better vehicles to rely on for predictable cash flow or income and what might they look like? Learn about Doug’s preferred savings vehicles and what they can do that cryptocurrency cannot.

* How does cryptocurrency compare to the stock market in terms of market volatility? As Doug explains, the stock market can certainly fluctuate but there are ways to protect yourself from its ongoing volatility.

* Why should you differentiate between the money you’re counting on for retirement income and money you’re willing to use for more speculative purposes? Doug recommends that you approach putting money into cryptocurrency as you would real estate with the understanding that you’ll need somewhere safe to park your profits.

* And much, much more…

Start by visiting with a IUL Specialist today.