3 Dimensional Wealth Radio

The new year is bringing a lot of changes and, like you, Doug Andrew is seeing a fair amount of concern and trepidation about what those changes may bring. One of the questions he’s being asked is “What should I do with my 401(k) right now?”

Doug has some solid reasons for never having owned a 401(k) or IRA or even a Roth version of them. But that’s not the case for millions of people whose nest egg is accumulating in one.

In his 46 years as a financial strategist, Doug has helped a lot of people who have found themselves in this situation and want to know if there’s a better way. In today’s episode, you’ll learn how to roll your money out of a 401(k) and into a savings vehicle that allows tax-free accumulation and protects your principal.

CHECK OUT THIS SNAPSHOT OF JUST A HANDFUL OF THE ITEMS COVERED IN THIS WEEK’S BROADCAST:

* Can you safely count on being in a lower tax bracket upon reaching retirement? Doug explains why so many people are learning the hard way that this is no longer something that can be counted upon.

* Why is it a bad idea to make investments based upon which ones grow the most? Learn why you should instead be looking at investments that will generate the most income at the time in life you’ll need them the most.

* What is the critical difference between tax-deferred and tax-free accumulation? Those who don’t make this connection sooner rather than later will have a lot less income at retirement than they planned on having.

* What happens to the deductions that we’ve been counting on for most of our lives by the time we actually reach retirement. Discover where they go and why they disappear just when we need them the most.

* Are there better vehicles than a 401(k) when it comes to putting away money for the future? Doug reveals how you could be enjoying liquid assets safely earning a predictable rate of return with tax-free accumulation.

* What are the factors that must be taken into consideration before moving your money out of a 401(k) and into a tax-advantaged vehicle? Doug explains what the strategic rollout is and what it provides.

* 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.

Recently, on his 3 Dimensional Wealth YouTube channel, Doug Andrew was asked about the best strategy to reduce taxes. It’s the kind of question Doug sees on a regular basis, especially as it applies to people preparing for retirement.

Doug advises repositioning 40 to 60 percent of your retirement income to what he calls the “tax-free bucket” where it’s no longer subject to any further taxes. He’s referring to the four buckets from which people typically draw their retirement income.

Learn what these four buckets are and how, when it comes to retirement planning, that tax-free one may just be the most important, yet overlooked bucket of them all.

HERE’S A QUICK PREVIEW OF JUST A FEW OF THE IDEAS DOUG COVERS THIS WEEK:

* Why should you consider getting that retirement money out of your yet-to-be-taxed accounts and into one where your money can accumulate tax-free? Doug explains how the quicker this is done, the more secure your retirement will be.

* Why do so many people miss out on enjoying liquid assets safely earning predictable rates of return? Learn about the investment bucket and why so many people end up following the herd by saving for retirement in an IRA or 401(k).

* Why do so many people find themselves unprepared for retirement? Doug shares some of the greatest lessons gleaned from his more than four and a half decades as a financial strategist and retirement planning specialist.

* Can anyone be certain that they’ll have enough money at retirement that they won’t be in danger of outliving their savings? Doug explains why it makes sense to reposition a sizeable portion of those yet-to-be-taxed money to where it can grow tax-free.

* How do so many people end up in a higher tax bracket at retirement? Doug explains how the expectation of being in a lower tax bracket at retirement has given way to the reality that most of our biggest deductions are gone by the time we retire.

* How likely are taxes to go up as we move ahead? Doug points out that Congress still refuses to limit its out of control spending and what that could mean for any money you have that has yet to be taxed.

* 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.

A question that comes up regularly on the 3 Dimensional Wealth YouTube channel is one in which viewers are asking Doug Andrew for advice on what their options are when dealing with lump sum money. If this is a question that’s crossed your mind, you’ll appreciate the insights that Doug has to share.

Also in this week’s episode, Doug takes time to share a favorite holiday gift traditions that your family will find easy, fun and memorable.

If you’re serious about teaching your kids or grandchildren how to be wise stewards of their money, it’s idea you may find valuable. It’s also a thoughtful and effective way to give the kinds of gifts that will be cherished and that teach a valuable and lasting lesson.

CHECK OUT THIS SNAPSHOT OF JUST SOME OF THE CONCEPTS DOUG COVERS IN THIS EPISODE:

* What’s the most important thing to do when you receive a lump sum of money? Doug explains how the key to accumulating authentic wealth is found in learning how to set money aside and keep it set aside.

* Why should you focus on earning a predictable rate of return on your money? Learn how a solid, predictable rate of return, combined with compound interest pays off in major ways down the road.

* Is tax-free accumulation an essential part of any serious planning for a brighter future? Doug explains his favorite savings vehicle–the LASER fund and spells out what this acronym means.

* What mistake do widows and other recipients of life insurance death benefits make at the recommendation of well-intended financial planners? Doug describes the most common mistakes people make and what they could do differently.

* Is there an advantage to not paying off your mortgage upon receiving a lump sum of money? Doug explains out why this may be a mistake and describes some of the alternatives worth considering.

* What advantage is there in establishing credit in your own name rather than simply paying off everything all at once? Discover how this approach can provide you with greater liquidity for those times when you need to access your money and cannot afford to wait.

* 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 has spent the past 4 and a half decades teaching people ways to stack up at least a million bucks or more. Those who have read Doug’s books or listened to him on 3 Dimensional Wealth Radio, know all about one of his favorite financial vehicles.

It’s a savings vehicle that allows the accumulation of tax-free savings under section 72e of the Internal Revenue Code–a protected part of tax law for over 107 years. If done correctly, this particular vehicle provides the ability to access your money tax-free under section 7702. Best of all, when your life is over, it blossoms in value and the money transfers to your heirs, income tax-free.

There’s nothing else in the Internal Revenue Code that does this, as far as Doug is aware. Stay tuned if you’d like to know more about this remarkable savings vehicle.

HERE’S A SNAPSHOT OF SOME OF THE IDEAS YOU’LL HEAR THIS WEEK:

* Have you ever heard of the LASER fund and what this acronym stands for? Listen on to learn how to enjoy liquid assets safely earning a predictable rate of return throughout your retirement.

* Is it possible to build a million dollar nest egg by saving just $1,000 a month? Doug explains the proven system he has used for decades and explains why it will also work for you today.

* Is there a difference between having your money at risk in the market versus having your money tied to the market? Doug shares essential information on how to enjoy all the benefits of market growth while avoiding losing money during times of market volatility.

* What’s the reason that so many people will come up short on cash once they reach retirement? Doug spells out the difference between tax-deferred and tax-free accumulation and what this means for your nest egg.

* How would you like to create your own cash cow as you prepare for your golden years? Doug reveals how a properly structured, max-funded, indexed universal life insurance policy is the savings vehicle of choice.

* Ever heard of a life insurance policy that becomes more affordable, as you get older? Get the lowdown on the far better ways to sock away money and accumulate value than by putting your money into IRAs and 401(k)s.

* 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 times a week, Doug Andrew posts answers to your questions on the 3 Dimensional Wealth YouTube channel. One the questions that comes up frequently is from individuals wondering what they should do with lump sum money.

In this week’s episode, Doug not only answers this question but also takes time to reveal one of his favorite holiday gift traditions that is easy, fun and memorable.

If you’re interested in teaching your children or grandchildren how to be stewards of their money, you’re going to love this idea. It’s a thoughtful and effective way to give gifts that will be remembered and that also teach a valuable and lasting lesson.

HERE ARE JUST A FEW OF THE TIMELY TOPICS DOUG COVERS IN THIS WEEK’S EPISODE:

* How can you know what do when you receive a lump sum of money? Doug explains how to how the key to accumulating wealth is found in setting money aside and keeping it set aside.

* What is the importance of earning a predictable rate of return on your money? Learn how a solid, predictable rate of return, combined with compound interest pays off in big ways down the road.

* Why is tax-free accumulation such an essential part of planning for a brighter financial future? Doug describes his favorite savings vehicle–the LASER fund and explains what this acronym means.

* How are widows and other recipients of life insurance death benefits steered wrong by well-intended financial planners and what could they do differently? Doug describes the most common mistakes people make.

* Why should you consider not paying off your mortgage when you receive a lump sum of money? Doug spells out why this can be a mistake and some of the alternatives you might consider.

* Is there an advantage in establishing credit in one’s own name rather than paying off everything all at once? Learn why this approach can provide greater liquidity for times when you need to access your money sooner rather than later.

* 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 on the 3 Dimensional Wealth YouTube channel, Doug Andrew posts in-depth answers to questions he’s asked about money and retirement. Recently he was asked about the best strategy to reduce taxes.

What Doug recommends is converting 40 to 60 percent of your retirement income to the “tax-free bucket” where it’s no longer subject to any further taxes. This refers to the four buckets from which people typically draw their retirement income.

Doug describes the four buckets, what they are and why the tax-free bucket may be the most important, yet overlooked one when it comes to most people’s retirement planning.

CHECK OUT THIS SNEAK PEEK OF SOME OF THE IDEAS DOUG REVEALS DURING THIS EPISODE:

* What is the investment bucket and where do an astonishing number of people miss out on a chance to enjoy liquid assets safely earning predictable rates of return? Learn why the vast majority of people follow the herd and saving for retirement in an IRA or 401(k) and what they’re missing out on.

* Why is it so essential to get that retirement money out of those yet-to-be-taxed accounts and into one where it can accumulate tax-free? Doug explains how the sooner this is done, the more secure your retirement will be.

* What causes the greatest amount of dis-ease in the lives of people who are unprepared for retirement? Doug shares the biggest lessons of his more than four and a half decades as a financial strategist and retirement planning specialist.

* How can you know for certain that you’ll have enough money at retirement that you’re not in danger of outliving your saving? Doug explains the critical importance of getting a good portion of your yet-to-be-taxed money moved to where it can grow tax-free.

* Why do so many people find themselves in a higher tax bracket at retirement than they anticipated? Doug identifies how the notion that they’d be in a lower tax bracket at retirement has given way to the reality that most of their biggest deductions will be gone.

* What is the likelihood that taxes will continue to go up as we move ahead? Doug spells out how Congress is refusing to limit its spending and what that will mean for any money you have that has yet to be taxed.

* 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.

Though we still don’t know for certain who will be in the White House come January 20th, there are a few things we should be considering. At the top of Doug Andrew’s list is what a Biden administration would likely mean for taxes.

We’ve seen recently how Biden is considering some individuals for administration who have some strongly held ideas about things like the redistribution of wealth, the minimum wage, free college tuition and medicare. We’d all be wise to consider the tax implications that such policies might entail.

If you’re serious about positioning yourself to protect against higher taxes, Doug has a message that you need to hear and consider implementing.

HERE’S A SNAPSHOT OF JUST A FEW OF THE TOPICS DOUG GOES OVER IN THIS WEEK’S BROADCAST:

* What was Doug’s warning back in 2009 if Obama were to be elected to a second term? Doug points out the warnings he issued at that time and how Obama’s policies ended up affecting the American taxpayer.

* How did Obama succeed in flipping the percentage of taxpayers vs tax “consumers” and what can we learn from it? Doug explains the shift that placed a substantially higher tax burden on the shoulders of those who are productive while simultaneously creating more consumers of tax revenue.

* What can we expect if Joe Biden ends up becoming president and how might it affect taxpayers? Learn how Biden has already threatened to repeal the Trump tax cuts and promises to spend at higher levels than before.

* What will happen to middle income American taxpayers under a Biden Administration? Doug outlines the greatest risks that they’ll face if the Trump tax cuts are replaced with significant tax hikes.

* What makes the estate tax a battleground in regards to Biden’s possible presidency? Doug shares the reasons why government revenuers love the estate tax and why you must protect yourself against it.

* Is there a way to protect your hard-earned money from the triple threat of higher taxes, rising inflation and ongoing market volatility? Learn about Doug’s favorite savings vehicle and how it allows you to 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.

For many decades, Doug Andrew has been explaining to his listeners, students and clients a couple of different ways to stack up at least a million bucks or more. If you’ve ready any of Doug’s books or listened to him for any length of time on 3 Dimensional Wealth Radio, you know about one of his favorite financial vehicles.

This savings vehicle allows you to accumulate your savings tax-free under section 72e of the Internal Revenue Code–which has been a sacred cow for over 107 years. This vehicle also allows you to access your money tax-free under section 7702, if you do it the smart way. And when you ultimately pass on, it blossoms in value and transfers to your heirs, income tax-free.

As far as Doug knows, there’s nothing else in the Internal Revenue Code that does this. If you’d like to learn more about Doug’s preferred savings vehicle, just keep listening.

HERE ARE JUST A FEW OF THE TIDBITS OF FINANCIAL EMPOWERMENT YOU FIND IN THIS WEEK’S EPISODE:

* Are you familiar with what Doug calls the LASER fund? Learn how you could enjoy liquid assets safely earning a predictable rate of return and what that could mean for your retirement.

* How is it possible to build a million dollar nest egg by socking away just $1,000 a month? Doug lays out the system he has used for decades and explains why it will work for you today.

* What’s the difference between having your money at risk in the market versus having your money tied to the market? Learn how to enjoy the benefits of market growth while avoiding losing principal during market downturns.

* Why will so many people find themselves coming up short on money once they’ve reached retirement? Doug explains the crucial difference between tax-deferred and tax-free accumulation and how it affects your nest egg.

* Is it possible to create your own cash cow as you prepare for your brighter future? Doug explains how a properly structured, max-funded, indexed universal life insurance policy can make this possible.

* Have you ever heard of a life insurance policy that becomes more affordable, the older you get? Doug shares the lowdown on how there are far better ways to sock away money and accumulate value than IRAs and 401(k)s.

* 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.

We may not know for a little while just who is going to be in the White House come January 20th. It’s time to consider some of the implications of what Joe Biden being president for the next four years might mean for the nation.

It’s very clear that many of the people that Biden is considering for positions within his potential administration have some interesting ideas on the redistribution of wealth, the minimum wage, free college tuition and medicare. Now is a good time to consider some the tax implications of these proposed changes might include.

If you’re likewise concerned about these possibilities, Doug has some timely advice on what you could and should be doing right now.

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

* Do you recall what Doug predicted back in 2009 if Obama were elected to a second term as president? Doug refreshes his listeners’ memories and points out how Obama’s policies affected the American taxpayer.

* Why was Obama successful in flipping the percentage of taxpayers vs tax “eaters” and what does it mean for you today? Learn about the shift that has placed a higher tax burden on the shoulders of the productive while making more people consumers of the tax revenues raised.

* What is Doug’s prediction today if Joe Biden becomes president and how will it affect taxpayers? Doug explains how Biden has already promised to repeal the Trump tax cuts and to spend at even higher levels than before.

* How will middle income Americans be affected under a Biden Administration. Discover the greatest risks that will materialize if the Trump tax cuts are replaced with significant tax hikes.

* Why is the estate tax such a crucial issue in regards to a possible Biden presidency? Doug points out why government revenuers love this tax and why you need to protect yourself against it.

* How can you protect your hard-earned money from the threat of much higher taxes, rising inflation and ongoing market volatility? Doug shares his thoughts on the best savings vehicle to allow you to 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.

Each week, Doug Andrew posts new videos to his 3 Dimensional Wealth YouTube channel. Recently, he spent some time answering questions about real estate and how to get out of debt.

Many people believe that, when it comes to getting out of debt, sending extra principal payments to the mortgage company is a sound strategy. In fact, it’s a question that comes up whenever people are trying to determine how long it will take them to pay off their house.

While there are several different methods people might employ to pay off their mortgage more quickly, Doug has an explanation of a better alternative than those methods.

HERE’S A SNEAK PEEK AT JUST A FEW OF THE STRATEGIES DOUG COVERS IN THIS EPISODE:

* Is it possible to pay down your mortgage quickly and what methods actually work? Doug explains how many of these methods provide the illusion of a quicker payoff but come with a corresponding loss of opportunity.

* What benefit is there in taking out a 15 year amortized mortgage and then socking away what you would have paid following the payoff into a tax-deferred IRA or 401(k)? Doug outlines the options of what’s good, what’s better and what’s best.

* For those who save the money they’re no longer paying toward their mortgage, what makes tax-free accumulation so much more desirable than tax-deferred accumulation? Doug describes the power of tax-free saving combined with compound interest and how it can make major difference in your results.

* Would you benefit from a LASER fund? Doug explains the clear advantages of liquid assets safely earning predictable rates of return to help you prepare for your brighter future.

* What is the benefit of keeping the mortgage interest tax deduction rather than simply paying your mortgage off as quickly as you can? Learn how the tax money you’re saving can instead be put to work growing tax-free.

* How does accumulating money tax-free combined with compound interest enable you to pay your home off even faster than a 15 year amortized mortgage? Wait until you hear Doug’s simple but powerful explanation of how to get out of debt two and a half years faster without handing all that extra money to the mortgage company in the form of interest.

* 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.