3 Dimensional Wealth Radio

Doug Andrew’s free 3 Dimensional Wealth YouTube channel is a great way to pick up some of the best financial and retirement planning strategies that Doug has been teaching for four and a half decades. Each week Doug takes time to create educational videos that answer some of the questions he’s been asked.

A lot of those asking questions lately have been wondering exactly what president Biden has up his sleeve in regards to taxes. Doug has been following Biden’s proposed tax increases and changes to tax policy and offering alternatives that will protect your savings from higher taxes.

With Biden planning the first major federal tax hike in 30 years, this is information you must know.

HERE IS A PREVIEW OF JUST A FEW OF THE TOPICS DOUG SHARES IN THIS EPISODE:

* What can we learn from Biden’s past record on taxes? Doug reveals how a politician’s past performance can be a powerful indicator of what he or she will pursue in the future, especially in regard to tax policy.

* What should you be doing to position your retirement savings to protect against tax increases? Doug explains the different types of taxes as well as what you can do to protect your next egg.

* Will the proposed tax increases only affect those who make over $400,000 a year? Doug warns that middle and lower income earners will also be at risk of seeing their taxes go up.

* How does the history of tax cuts help a person understand what’s at stake with these proposed hikes? Learn what has happened under previous presidents, including those who cut and those who raised taxes.

* Why do so many people continue to count on being in a lower tax bracket at retirement when that hasn’t been axiomatic for nearly 25 years? Doug shares his thoughts on how people with tax-deferred savings are especially vulnerable to this misconception.

* Is there a way to get your taxes over and done with and to move your serious money into a savings vehicle where it can accumulate tax-free from now on? Doug explains what his favorite tax-free savings vehicle is and how you can enjoy liquid assets safely earning predictable rates of return.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

If you haven’t yet checked out Doug Andrew’s 3 Dimensional Wealth YouTube channel, just know that it costs you nothing to subscribe. Each week Doug takes time to answer some of the common questions he’s been asked and to educate people about financial strategies that can make a world of difference.

Interestingly, these strategies are often not talked about within the financial services industries. Doug’s job is to help you have epiphanies and enlightenment about opportunities that you may not have known existed.

Among the questions that Doug is often asked is: “What is the best retirement plan?”

Would it surprise you to learn that there are better ways to prepare for retirement than the traditional IRA or 401(k)? Better, as in plans that could produce up to 4 times more income than these tax-deferred approaches.

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

* What are some of the major downsides of retirement plans where the government requires you to withdraw a certain amount each year based on your life expectancy? Doug explains why it’s worth it to examine the alternatives to this.

* Why do so many people unwittingly partner with Uncle Sam in their retirement? Doug warns about how this partnership creates considerable unnecessary expense and what you can do about it.

* How does tax-free accumulation and distribution differ from tax-deferred? Those who don’t understand this difference are in for a rude awakening at retirement.

* Why is having money at risk in the market so different from simply having money tied to the market? This is some of the most useful information you can have during times of market volatility.

* How do so many financial professionals miss out on the strategies that protect you from higher taxes, rising inflation and ongoing market volatility? Doug explains how to have liquid assets safely enjoying predictable rates of return.

* What is the likelihood of being in a lower tax bracket when you reach retirement? Doug reveals the shocking truth of why most people will end up paying more taxes in retirement than they did during their working years.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Doug Andrew is passionate about financial and retirement planning education. That’s why he created a 3 Dimensional Wealth YouTube channel in order to answer common questions that people ask him on a regular basis.

Doug has fielded a number of questions about the difference between index funds and indexing. It’s something he talks about regularly and for good reason–there’s a world of difference between the two.

Believe it or not, a great many financial advisors mistakenly conflate the two. Once you’ve heard Doug’s explanation, you’ll understand better why indexing is a strategy that makes sense and can bring peace of mind to those who use it.

CHECK OUT THIS QUICK PREVIEW OF A FEW OF THE TOPICS COVERED IN THIS EPISODE:

* What is the difference between having money invested in the market versus having it indexed to the market? Learn how understanding this can give you peace even during times of market volatility.

* Is there a difference between having money invested in the market as opposed to having it indexed to the market? Understanding this difference can allow you to sleep soundly even during times of market volatility.

* What was the big lesson learned in the aftermath of 9/11? Doug explains what the market did and how this affected people who had their money in indexed funds saw their nest eggs dwindle.

* Can you take advantage of the upside of the years when the market makes gains while not losing money during those years when the market declines? Doug shows how this is absolutely possible with indexing.

* What is Doug’s favorite instrument to enjoy liquid assets safely earning predictable rates of return? Listen as Doug explains the maximum funded, tax-advantaged life insurance contract and how it works.

* What is the major challenge in making up lost ground after you’ve lost money during market volatility? Doug spells out how the need to make up the money lost plus new growth can seem like a nearly impossible task.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Doug Andrew’s free 3 Dimensional Wealth YouTube channel was created so he could answer common financial questions that his students ask on a regular basis. It’s a great way to pick up some of the best financial and retirement planning strategies that Doug has been teaching for four and a half decades.

Recently, Doug has been fielding questions from folks who are concerned about what might happen to their tax liabilities during a Biden presidential administration. They’re particularly interested in some of Biden’s proposed tax hikes and the likelihood that they’ll be passed by Congress.

Here’s a prime opportunity to learn about the different types of tax initiatives that could affect you, even though they’re not passed just yet.

CHECK OUT THIS SNAPSHOT OF JUST A FEW OF THE POINTS DOUG COVERS IN THIS EPISODE:

* What are Biden’s plans for the general income tax? Doug explains why you should be watching this one closely, especially if you earn more than the average American earns.

* How will the proposed tax hikes affect your 401(k) or IRA? Learn what the likely changes are and how they’ll impact your nest egg.

* Why will taxes go up dramatically for people who are already six feet under? Doug describes what Biden is proposing to do the estate tax and what it means for your financial future.

* What do Biden’s tax plans seek to do to the capital gains tax? Discover what’s likely to change and how could put the pinch on your retirement plans.

* Is it morally right to avoid paying too much in taxes? Doug explains how, after paying our fair share, we should be very careful to protect our savings from being plundered through higher taxes.

* How can a person enjoy authentic protection from higher taxes, rising inflation and ongoing market volatility? Learn about Doug’s favorite savings vehicle and how it can protect you from all threat of these threats.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Doug Andrew’s 3 Dimensional Wealth YouTube channel was created for the purpose of answering common financial questions that he’s asked on a regular basis. This is because he’s passionate about helping people optimize their assets while minimizing their tax liabilities.

Recently, Doug was asked, about the difference between index funds and indexing. It’s a subject Doug talks about regularly and for good reason–there’s a world of differnce between the two.

He points out that many financial advisors mistakenly conflate the two. Doug has an explanation that will help you understand better indexing and how it can bring peace of mind to the folks who use it.

HERE’S A QUICK SYNOPSIS OF JUST A FEW OF THE IDEAS DOUG SHARES THIS WEEK:

* What was one of the biggest lessons learned in the aftermath of 9/11? Doug spells out exactly what the market did and how this affected people who had their money in indexed funds.

* Is there a difference between having money invested in the market as opposed to having it indexed to the market? Understanding this difference can allow you to sleep soundly even during times of market volatility.

* How is it possible to lose with indexed funds yet not lose money with indexing? Doug explains the key differences between the two and illustrates why indexing is a useful tool.

* Can you take advantage of the upside of the years when the market makes gains while not losing money during those years when the market declines? Doug shows how this is absolutely possible with indexing.

* Does Doug have a favorite instrument to enjoy liquid assets that are safely earning predictable rates of return? Learn about the maximum funded, tax-advantaged life insurance contract and how it works.

* What is the major challenging in making up lost ground after you’ve lost money during market volatility? Doug spells out how the need to make up the money lost plus new growth can seem like a nearly impossible task.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

At least 5 days a week, Doug Andrew posts answers to questions he’s been receiving on his 3 Dimensional Wealth YouTube channel. Among the questions he’s been asked repeatedly, is this one: What to do with extra money in the bank?

One of the first things Doug would ask a person in this situation is whether the money is intended for something 6 months or more down the road. If it is, he recommends getting it out of there sooner than later.

Doug reminds his listeners that a bank or credit union account is a short term vehicle for short range goals. The problem is that money that sits in these accounts isn’t always liquid and it’s not earning anything near a decent rate of return. This means not all of that money is doing you any good by staying there. There are more productive places to put it.

HERE IS A SNAPSHOT OF JUST A FEW OF THE TOPICS COVERED IN THIS EPISODE:

* How important is it to have liquidity, safety, a predictable rate of return and tax-benefits on your savings? Doug explains what his LASER test is and why it works.

* Why does it matter whether you have your money in a short-term type of depository versus a long-term one? Learn the difference between these vehicles and which one makes more sense for a particular situation.

* What makes it so difficult to get a good rate of return on money that you’re keeping in a bank or credit union account? Doug reveals how these institutions use money to make money and what you can learn from them.

* What is the rule of 72 and why is it so important to understand? Doug shares this powerful tool to help you calculate how long it will take your money to double at a particular interest rate.

* How can the way that your money is taxed determine how useful it will be at a future date? Learn the difference between taxed-as-earned, tax-deferred and tax-free accumulation.

* Where can you safely accumulate money without worrying about higher taxes, rising inflation and ongoing market volatility? Learn about Doug’s favorite savings vehicles and how they could work for you.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Doug Andrew is passionate about education. That’s why he has a 3 Dimensional Wealth YouTube channel for the purpose of answering common questions that he’s asked on a regular basis.

He was recently asked, what’s the difference between index funds and indexing? Doug talks about both of these things often and there is a huge difference between them.

Even a lot of financial advisors can make the mistake of conflating the two. Once you’ve heard Doug’s explanation, you’ll understand better why indexing is a strategy that makes sense and can bring peace of mind to those who use it.

CHECK OUT THESE STRATEGIES TO OPTIMIZE YOUR ASSETS AND MINIMIZE YOUR TAXES:

* How is it possible to lose with indexed funds yet with indexing, you don’t lose money? Doug lays out the key differences between the two and why indexing is a useful tool.

* What is the difference between having money invested in the market versus having it indexed to the market? Learn how understanding this can give you peace even during times of market volatility.

* What was the big lesson learned in the aftermath of 9/11? Doug explains what the market did and how this affected people who had their money in indexed funds saw their nest eggs dwindle.

* Why is it so difficult to make up lost ground after losing money during market volatility? Doug spells out how the need to make up the money lost plus new growth can seem like a nearly impossible task.

* Is it possible to enjoy the upside of those years when the market makes gains without losing money in those years when it declines? Doug explains how this is not only desirable but also very possible with indexing.

* What is Doug’s favorite instrument to enjoy liquid assets safely earning predictable rates of return? Listen as Doug explains the maximum funded, tax-advantaged life insurance contract and how it works.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Each week, Doug Andrew takes time to answer questions on his 3 Dimensional Wealth YouTube channel for his subscribers. These are questions that come up on a regular basis.

Recently, the question was posed: What is the truth about a 401(k) that no one tells you? For years now, Doug has been writing editorials and warning people about how Congress has been peddling IRA and 401(k) snake oil.

The original premise of tax-deferred accounts like the IRA or 401(k) is that you put in pre-tax dollars and then, after retirement, you’ll pay taxes on what you harvest from those accumulated dollars. In theory it sounds pretty straightforward. However, in practice, there are some downsides that few recognize until it’s too late.

HERE’S A QUICK PREVIEW OF JUST A FEW OF THE CONCEPTS COVERED IN THIS EPISODE:

* What is the farmer and the seed metaphor and what can it teach you about tax-deferred vs. tax-free accumulation?

Doug explains the crucial difference between paying taxes on your seeds and paying taxes on the much bigger harvest.

* Why is the assumption that you’ll be in a lower tax bracket at retirement no longer something that can be counted on? Doug warns that this has not been axiomatic for more than 25 years.

* How do so many people find themselves cruising down the highway of life with one foot on the gas and the other foot on the brake pedal? Learn what their simple mistake is and how you can avoid it.

* Why are so many people in danger of outliving their retirement savings? Doug shares the hard truth that people saving in IRAs and 401(k) have already agreed to give roughly 1/3 of it to Uncle Sam.

* What are the three major factors that can eat up a nest egg in record time? Learn how higher taxes, rising inflation and ongoing market volatility could take a bite out of your financial wellbeing.

* What are the best strategies to convert your savings from tax-deferred to tax-free vehicles? Doug lays out the best options for getting those taxes over and done with for good.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

As you may be aware, Doug Andrew has a free 3 Dimensional Wealth YouTube channel for his subscribers. Each week he answers a different question that he’s been asked over the past few weeks.

A common question that he’s asked is how to find a good advisor that can help a person save in term of how many taxes they must pay. Finding a proactive accountant, CPA or tax lawyer is good, but it’s not enough to get you and your savings positioned for safety against future tax hikes.

A lot of times, people tend to focus on what they can do, at the end of the year, to lighten their tax burden. In today’s episode, Doug covers the bigger picture of what a person should also be doing.

CHECK OUT THIS SNAPSHOT OF JUST A FEW OF THE CONCEPTS DOUG SHARES IN THIS BROADCAST:

* Why are so many CPAs and tax attorneys short-sighted when it comes to how they advise their clients? Doug spells out why being proactive is so important and what they tend to miss.

* What will most bookkeepers and accountants tell you when you ask what you should be doing with your 401(k) or IRA? Doug shares their most common answer and offers a better one in its place.

* How does having your tax advisor look at the full picture, rather than a single tax year provide you with better options. Learn why your advisor’s tunnel vision can cost you dearly down the road.

* Why is tax-free accumulation a better way to approach the future than leaving it in tax-deferred accounts? Doug explains the crucial difference and why getting it into a tax-free account is crucial.

* What makes a good tax advisor worth your time? Learn how finding one who is proactive, who takes in the big picture and who understands the power of tax-free accumulation is so essential.

* How likely are taxes to be lower as we move forward? Doug explains how very few people have any confidence that taxes won’t be headed much higher in the future.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Each week, Doug Andrew posts an answer to a specific question that he’s been asked on his 3 Dimensional Wealth YouTube channel. Recently, the question was posed: How can I protect my money from a stock market crash?

Anyone who has witnessed the market volatility over the past few decades should understand that it’s not a matter of “if” so much as a matter of “when” the market will crash. Doug likens the market to a person using a yo-yo as they’re walking up a flight of stairs.

Have you noticed how those who experience a significant loss during those market downturns, can take a surprisingly long time to make up that lost ground as they move forward. As Doug explains, with strategies like indexing, this doesn’t have to be the case.

HERE’S A SNEAK PEEK AT JUST A FEW OF THE TOPICS DOUG COVERS THIS WEEK:

* What’s the difference between having money that’s exposed in the market versus having money that’s tied to the market? Doug explains how indexing works and why it’s a proven protector of people’s money.

* Is it possible to experience the upsides of market growth without the risks of losing what you’ve gained during market downturns? Learn how to get the best out of whatever the market is doing without losing principal.

* Why is it essential to learn how to optimize assets while minimizing taxes as you prepare for your brighter future? Doug shares some of his favorite tools and vehicles for making this happen.

* How does tax-free accumulation leave you better prepared for the future than tax-deferred? Doug explains the crucial difference and how some learn about it the hard way.

* What is the max-funded tax-advantaged universal life insurance contract and how does it allow people to enjoy liquid assets safely earning predictable rates of return.

* How likely are you to outlive your retirement savings? Doug warns that it could happen to a lot of folks who never see it coming.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.