3 Dimensional Wealth Radio

One of the big questions that people are asking Doug Andrew whether it’s time to get money out of their IRAs and 401(k)s. This question comes amid the anxiety that all of us are experiencing over social distancing due to the Covid-19 outbreak and what is being done to try to prevent its spread.

They’re also anxious about the ongoing market volatility we’re seeing where the stock market is being whipsawed back and forth and people losing as much as third in their retirement accounts if they’re in the market. This is particularly a concern for those who have been accumulating their retirement cash in IRAs and 401(k)s.

Maybe you’ve heard the phrase “If you don’t use it–you’ll lose it”?

This is true when it relates to opportunities to get taxes over and done with at today’s lower tax rates because taxes will be going in the future thanks to the incredible amount of government spending that’s taking place.

Now may be a good time to take care of those taxes while account values are lower.

CHECK OUT THIS PREVIEW OF SOME OF THE TOPICS DOUG COVERS IN THIS EPISODE:

* Why might you want to consider paying taxes now rather than later on those IRAs and 401(k)s? Doug makes the case that this may be the lowest tax bracket you’ll ever be in.

* What is the likelihood that taxes will be going not just higher but much higher? Doug explains how that $6 trillion in new federal stimulus spending is likely to affect everyone who pays taxes in the days ahead.

* How likely is it that taxes may be headed toward 50, 60 or even 70% rates? This is a question everyone saving money in a tax-deferred account should be asking themselves.

* Will the prospect of Medicare for all or forgiveness of student loan debt or free college being enacted in the near future? Keep in mind that it’s an election year and each of these items will result in higher taxes.

* Would you rather pay tax on a lower valued IRA or 401(k) or wait and pay it on a higher valued one? Doug spells out how it’s possible to get those taxes over and done with at today’s tax rates and accumulate tax-free from then on.

* What is Doug’s favorite tax-advantaged vehicle to accumulate your retirement nest egg? Learn what the LASER fund is and how doing a strategic rollout into one will 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.

There’s hardly anyone around the world who isn’t feeling a little anxious right now. We’re dealing with social distancing measures to avoid Covid-19 and the stock market is experiencing volatility.

Yet there’s a silver lining for those who are willing to look for it.

With all the shifts and changes going on around us, now may be the best time to get the taxes over and done with on IRAs and 401(k)s. If you have money that’s been disappearing because it’s at risk in the market, Doug Andrew has a message of hope.

Where there’s anxiety, there’s opportunity.

Even if you’ve felt the sting of seeing your 401(k) or IRA decrease in value, now may be the time to get those taxes over and done with once and for all.

Doug spells out 5 things you can do for a brighter financial future starting today.

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

* Is now the best time to roll out some or all of your IRAs or 401(k)accounts? Doug explains how their current lower value could mean significant tax savings.

* Where is the best place to reposition the after-tax roll out money? There’s never been a better time to understand the difference between tax-deferred and tax-free accumulation than right now.

* What is the LASER fund and how might it be a viable alternative to traditional tax-deferred savings vehicles? If you’re looking for superior liquidity, safety and predictable rates of return that are also tax-free, this is worth a look.

* How can a LASER fund indexing strategy allow you to ride the market back up, tax-free while not losing money to market volatility? Doug explains how indexing allows your money to be linked to the market without being directly at risk in the market.

* Is there a way to limit the dangers of rising taxes, outliving your money due to inflation and losing money to market volatility? Doug has definitive answers to each of these concerns.

* Why is it so important to learn how to overcome the paralysis that is affecting so many due to the current crises? Doug explains how to chart a decisive course to your brighter future that isn’t driven by fear.

* 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.

People who have money in the market in an IRA or a 401(k) are likely experiencing a pretty bumpy ride at the moment. In the worst cases, some of them are feeling paralyzed with fear over what may happen next in the whipsaw market.

Times like this may bring anxiety but they also represent a remarkable opportunity to position yourself and your money for a more positive future.

This is particularly true for those who have been accumulating savings in a tax-deferred vehicle as they move toward their retirement. What if you could get those future taxes over and done with sooner than later in likely the lowest bracket you’ll ever be in?

Doug Andrew explains how now may be the ultimate opportunity to get these taxes over and done with and how to protect your retirement nest egg from the kind of market fluctuations we’ve been seeing. Learn which actions could bring you the greatest peace of mind now and in the future.

HERE ARE JUST A FEW OF THE CONCEPTS DOUG SHARES IN THIS WEEK’S EPISODE:

* Why do so many people continue to save in tax-deferred vehicles like IRAs and 401(k)s when they don’t believe future taxes will likely be lower? Doug explains what they’re missing and why we should seriously consider better alternatives.

* What is it that makes higher taxes virtually a certainty in the future? If you haven’t been paying attention to the spending habits of politicians, it’s time to start.

* How has recent market volatility provided a unique opportunity for those saving in IRAs and 401(k)s to get their taxes over with now? Doug shares the silver lining in the 30-40% hit that many of these people just took.

* What is the advantage of positioning your money in a tax-free vehicle rather than leaving in a tax-deferred one? Learn what the LASER fund is and why it’s Doug’s preferred vehicle.

* Is time of the essence when it comes to taking action with your money that’s sitting at risk in the market? Doug has answers you need to hear.

* What is a strategic rollout and how can it benefit you today? Doug spells out the advantages of getting those taxes over and done with and then watching your money accumulate tax-free from that day forward.

* 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 a short math quiz that imparts some very important lessons. It’s only 3 questions long but a surprising number of professionals like CPAs or tax attorneys will still miss one or more of the answers.

It’s not that they are lacking brainpower. More often than not, they simply don’t know what they don’t know.

How will you do?

1. If it take 5 machines 5 minutes to make 5 widgets, how long would it take 100 machines to make 100 widgets?

2. In a pond there is a patch of lilies. Every day the patch doubles in size. If it takes 48 days for the patch to cover the entire lake, how long would it take for the patch to cover half the lake?

3. A bat and a ball cost $1.10. The bat costs one dollar more than the ball. How much does the ball cost?

Listen to Doug’s answers and you’ll be surprised how easy it is for our minds to reach a false conclusion.

This kind of thinking can have real and lasting impact on how we invest and save for the future. Buckle in and get ready for some timely wisdom drawn from Doug’s 46 years of experience as a financial strategist.

CHECK OUT THIS SNEAK PEEK OF SOME OF THE TOPICS COVERED THIS WEEK:

* Why do savvy people who work with numbers all day long manage to miss the correct answers on Doug’s quiz? It’s a perfect illustration of how even professionals can be limited by what they don’t know.

* When is it okay to break with the herd and go in a different direction? If you’re currently saving in an IRA or 401(k), you need to hear this answer.

* Will you be able to count on being in a lower tax bracket than you’re in right now? Doug’s answer may surprise you.

* If your money is currently accumulating in an IRA or 401(k), is there a way to get the taxes over and done with so it can accumulate tax-free from now on? Doug explains the tax advantages of the strategic rollout.

* Why is tax-free savings a better bet than tax-deferred? If you have any concern whatsoever about outliving your nest egg, you need to hear Doug’s explanation.

* Can you answer the riddle that befuddles even financial professionals like CPAs and tax attorneys? See how you do in answering it.

* 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.

One question that Doug Andrew is often asked on a regular basis is about what critical planning a person should do as they are approaching retirement. Strangely enough, these are the kinds of things that too many people don’t really consider until they are right on the cusp of retiring

It’s far more wise to start taking a hard, strategic look at these things no less than five years before you plan on retiring. Unfortunately, a surprising number of people wait until about 30 days before retiring before tackling these issues.

There are critical decisions that must be made and, even more importantly, people with defined contribution plans fail to realize the impact of taxes, inflation and market volatility on their 401(k).

There’s a huge difference in net spendable income for those who plan ahead and incorporate the right tax strategies before they reach retirement.

HERE’S A SNAPSHOT OF JUST A FEW OF THE IDEAS DOUG ANDREW COVERS IN THIS EPISODE:

* Ever heard of a strategic rollout? If you currently have money in an IRA or 401(k), you need to know about this option for getting those taxes over and done with for good.

* Why is so important to think about your potential tax liabilities in the long run rather than just in a single year? Doug explains why so many accountants and tax attorneys tend to get this wrong.

* How is Uncle Sam your partner depending upon where you’re saving for retirement? Learn why tax-deferred savings give the government a kind of permanent lien on your retirement nest egg.

* What’s the prospect of taxes going higher in the future? If you’re keeping an eye on government spending, you already know the answer to this question.

* Is there a way to protect your retirement savings from the ravages of future tax hikes? Doug spells out the necessity of tax-advantaged saving and how it can keep you from outliving your nest egg.

* What are the best tax-free vehicles for accumulating your serious cash for the future? If you’ve never considered the alternatives to an IRA or 401(k), this is incredibly empowering information.

* 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.

In his more than 45 years as a tax minimization specialist, Doug Andrew has been approached numerous times by people who have discovered that their money is trapped in an IRA or 401(k) and are looking for solutions. Most of these folks simply did what others around them were doing when they began participating in their company 401(k) or socking away savings in an IRA.

But following the herd doesn’t always mean you’ve found the best plan.

They believed that they would be in a lower tax bracket when they retired and chose to accumulate their savings tax-deferred rather than tax-free. As Doug explains, this is a premise that far too many people learn is no longer axiomatic.

Paying the necessary taxes on the seed money rather than the harvest money is a far wiser move and Doug has some timely solutions for those who’ve recognized their predicament.

HERE’S A SNEAK PREVIEW OF SOME OF THE EMPOWERING CONCEPTS DOUG TEACHES IN THIS BROADCAST:

* Why do so many people find that they’re not in the anticipated lower tax bracket they thought they’d be in at retirement? Doug lays out the reasons why this happens and how to avoid making this mistake.

* Why are tax-free savings a safer vehicle than tax-deferred savings? Doug explains how critical it is to understand the difference between these two approaches.

* Why is saving in a tax-deferred account like driving down the highway with one foot on brake and one on the gas? Doug spells out the ways that people in retirement end up killing the deductions they’re counting on to keep their taxes low.

* Does the thought of outliving your savings cause you uneasiness? Learn how to build a nest egg that is safe from rising taxes, inflation and market volatility.

* How are taxes like a cancer that is waiting to erode your retirement nest egg? Doug has a solution for getting those taxes over and done with now so your money can continue to accumulate tax-free.

* How does every person with an IRA or 401(k) stand to lose roughly a third of what they’ve saved to taxes? Learn what a strategic rollout is and how it can protect your savings as you move forward.

* 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.

Every week, Doug Andrew is approached by people who have been viewing his 3 Dimensional Wealth YouTube channel. More often than not, they come to him with questions about the best way to save for their long term goals.

Doug defines long term goals as any financial goal where you are setting aside money for a need or a want that’s five years or longer down the road. This would definitely include saving for retirement or a major purpose such as a home or college funding for your children or grandchildren.

One of the biggest mistakes that people make is they choose short term investments for long range goals. As Doug explains in this episode, that’s not the way to go.

HERE IS A SNEAK PREVIEW OF A FEW OF THE IDEAS DOUG SHARES IN THIS BROADCAST:

* Is putting your long term money in a savings account in a bank or credit union a losing strategy? Learn why time and interest aren’t on your side as well as better alternatives to grow your money.

* Why are tax-free savings a safer vehicle than tax-deferred savings? Doug spells out the advantages of paying those taxes on your seed money and being done with those taxes forever..

* Why should you take care not to choose your long term investments as if they were for a short term goal? Anyone who struggles with resisting the urge to dip into their savings needs to hear Doug’s explanation.

* How can you know that you’re making a prudent investment? Doug spells out some of his favorite time tested strategies that he’s used over the past 45 years.

* What is the LASER fund and why should you consider one for your long term goals. If having liquid assets safely earning predictable rates of return sound appealing to you, you’ll want to hear Doug’s take.

* Are there investments that would allow you access to your money, when you need it, without undue taxes or penalties to pay? As Doug explains, such investments definitely exist and are worth your consideration.

* 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.

Tax-free accumulation of money is not only possible but highly desirable if you want to see your retirement nest egg last. In today’s episode, Doug Andrew will explain how to convert your tax-deferred IRA or 401(k) with a strategic rollout.

As a tax minimization specialist for more than 45 years, Doug Andrew has a lifetime of personal experience in this subject. If you’ve discovered that your money is currently trapped in an IRA or 401(k), Doug has some powerful information for you.

One reason so many people find themselves in this situation is the perception that this is how most people are saving for retirement, therefore, it must be a sound way to save. What they will likely realize too late, is that saving for retirement in a tax-deferred account may very well lead to them outliving their nest egg.

It doesn’t have to be that way.

CHECK OUT THIS SNAPSHOT OF SOME OF THE IDEAS DOUG SHARES IN THIS WEEK’S BROADCAST:

* Can you really count on being in a lower tax bracket when you retire? Doug explains how this hasn’t been axiomatic for nearly 25 years now and why it could prove frustrating to those who are counting on it.

* Why are tax-free savings a safer vehicle than tax-deferred savings? Doug spells out the advantages of paying those taxes on your seed money and being done with those taxes forever..

* Why is saving in a tax-deferred account like driving down the highway with one foot on brake and one on the gas? Doug shares the reasons why deferring those taxes to a later date seldom brings the desired advantage.

* Are taxes likely to continue going up in the days ahead? Learn why this is not only likely but also why the deductions we’ve come to count on are almost never there upon reaching retirement.

* How can you be sure that you won’t outlive your money? If you don’t have an answer to this question, Doug has vital information that you need to hear.

* What’s a better saving vehicle than a 401(k) or an IRA? Doug has some proven recommendations of savings vehicles that will allow you to accumulate, grow and access your retirement nest egg tax-free.

* 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.