3 Dimensional Wealth Radio

For more than 48 years, Doug Andrew has been a financial strategist and retirement planning specialist. Many times, when he brings up the subject of life insurance at his educational events, people express confusion.

The cause of their confusion is that they don’t see life insurance as an investment. As Doug explains in today’s episode, this is because they’ve never been taught about a properly structured, properly funded life insurance contract can be a powerful savings vehicle for building authentic wealth.

CHECK OUT THIS PREVIEW OF SOME OF THE TOPICS COVERED:

* How does Doug’s preferred savings vehicle knock the socks off traditional accounts like IRAs and 401(k)s? Learn how a properly structured indexed Universal life insurance contract (IUL) provides better options.

* What are some of the ways that a max-funded insurance contract allows you enjoy living benefits as well as a death benefit at the end of your life? Doug explains the power of tax-free accumulation, access and distribution.

* Why is it so important to have liquid assets safely earning predictable rates of return? Doug describes the elements of his LASER test and why they beat traditional ways of accumulating money.

* How does a tax-free approach make more sense than the tax-deferred route? Doug reveals how putting off those taxes for some perceived later advantage can actually cost you dearly in the long run.

* What makes a properly structured and properly funded IUL an asset rather than a liability. Doug shares the possibilities that exist with the IUL that go far beyond a simple payout when you pass away.

* How is it possible to enjoy safety of principal without losing out on potential gains when the market is growing? Learn how the IUL provides protection of your nest egg when the market declines without giving up any potential upsides.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew has worked for more than 48 years as a financial strategist and retirement planning specialist. Each week he shares vital information on how to optimize your assets, minimize taxes and to empower your authentic wealth.

In today’s episode, you’ll learn why legal reserve insurance companies survived the Great Depression while so many banks did not. You’ll also discover why the max-funded Universal Life Insurance contract (IUL) is, hands down, Doug’s favorite savings vehicle.

HERE’S A SNAPSHOT OF WHAT DOUG COVERS TODAY:

* Why does Doug favor the IUL as a vehicle for tax-free accumulation of money? He explains the difference that a properly structured, max-funded IUL insurance contract can make.

* How does the IUL outshine tax-deferred vehicles like IRAs or 401(k)s? Doug shares the reasons why the IUL is protected under the IRS Code and has been for more than a century.

* What is meant by the LASER test? Discover how, properly structured, your IUL can provide liquid assets safely earning predictable rates of return.

* What are the 4 key elements of a prudent investment? Doug lays out what each of these elements are and why they’re essential to meeting the LASER test.

* How can a person borrow from their nest egg without triggering taxes and penalties in the process? Doug shares the key differences between tax-deferred vehicles and the tax-free IUL.

* Why is it so essential to have liquidity when building a nest egg? Learn how too many people find themselves between a rock and a hard place when they need to access their money quickly.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew has learned a lot in his more than 48 years as a financial strategist and retirement planning specialist. In this episode, Doug will share some things about borrowing vs. withdrawing funds from an IUL policy that may just blow your mind.

Today, you’ll learn about why loan proceeds are income tax-free and they can be at a zero net cost. Once you understand this strategy, you can effectively be your own bank while protecting your money from higher taxes, inflation and market volatility.

CHECK OUT THIS PREVIEW OF WHAT DOUG COVERS THIS WEEK:

* What is Doug’s favorite vehicles for tax-free accumulation of money? Learn about the difference that a properly structured, max-funded Indexed Universal Life insurance contract can make.

* Why is an IUL better, in most respects, than a tax-deferred vehicle like an IRA or 401(k)? Doug explains how a correctly structured IUL provides liquid assets safely earning predictable rates of return.

* How can a million dollar nest egg generate a 10% payout without depleting your principal? Doug shares the reasons why a max-funded, IUL is one way to enjoy tax-free income without conditions attached.

* What are the 3 ways that you can access your money in an insurance contract? Doug describes the sad way, the dumb way and the smart way and explains what makes them so.

* Why is it so important to have tax-free access to your money rather than going the tax-deferred route? Doug explains how understanding this difference may be the key to avoiding outliving your retirement savings.

* How is it possible to borrow money from an IUL without getting hit for taxes? Discover how the IRS differentiates between a loan and income and how that can work in your favor.

* And much, much more…

Start by visiting with a IUL Specialist today.

In more than 48 years as a financial strategist and retirement planning specialist for more than 48 years, Doug Andrew has paid close attention to where the greatest financial safety and stability is found. In this week’s episode, you’ll learn about why legal reserve insurance companies survive economic downturns, like the Great Depression, when many banks end up closing their doors.

Today, you’ll learn about the max-funded IUL or indexed universal life insurance contract. This is Doug’s favorite financial instrument in that allows you to accumulate and access your money tax-free, including whatever gains you’ve made. It’s a game-changer for anyone planning for a brighter future.

HERE IS A SNEAK PEEK AT WHAT IS COVERED IN THIS WEEK’S PROGRAM:

* How does the Internal Revenue Code allow for tax-free accumulation, growth and distribution of your savings? Doug explains the relevant sections of the IRS Code that have been around for over 100 years.

* Why is it so important that your IUL be properly structured in order to enjoy its benefits? Doug spells out the basic criteria for having liquid assets safely earning predictable rates of return.

* What is the LASER test and why is it such a valuable tool for structuring an IUL? Learn why it’s essential to have your savings vehicle hitting each of the points of the LASER test.

* What are the 4 key elements of a prudent investment? Doug describes each of these elements starting with liquidity or the ability to easily access your money without penalties or conditions.

* How does illiquidity complicate your financial plans and how can you avoid it? Discover a highly workable alternative to 401(k)s and IRAs that provides clear access to your savings without jumping through hoops.

* What can give you peace of mind during times of extreme market volatility? Doug explains his favored savings vehicle and explains how it protects your principal against loss while enjoying gains when the market grows.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew has been a financial strategist and retirement planning specialist for more than 48 years. This week’s episode is especially for anyone serious about optimizing their assets, minimizing their taxes and empowering their authentic wealth, this is an episode that will get you on your way.

Doug offers his take on inflation; something each of us is experiencing lately, every time we buy something. Doug has seen inflationary periods, throughout his lifetime, under a number of different presidential administrations. Today, he explains what the Biden administration is doing to the purchasing power of every dollar in the economy.

CHECK OUT THIS PREVIEW OF THIS WEEK’S PROGRAM:

* Why do government number crunchers change key inflation measuring standards like the consumer price index? Doug spells out why the official numbers are being manipulated to hide the true costs of inflation.

* How does shrinking purchasing power of every dollar you’ve saved impact your plans for a brighter future? This is a message of critical importance for anyone living on a fixed income.

* What is taking place that robs each dollar of a portion of its purchasing power? Doug explains the true costs of reckless government spending and its ongoing printing of trillions of new dollars.

* How do politicians bear responsibility for what’s happening to our currency? Doug calls out the politicians for their willingness to exploit crises to justify more out of control spending.

* Why are these politicians’ “solutions” making things worse for everyone? Learn how the political class has picked up a habit of borrowing money with the promise that future taxpayers will repay it.

* Should you be concerned about outliving your money during retirement? Doug shares his preferred savings vehicle and lays out how it protects against higher taxes, rising inflation and ongoing market volatility.

* And much, much more…

Start by visiting with a IUL Specialist today.

If you’re serious about optimizing your assets, minimizing your taxes and empowering your authentic wealth, this is an episode that will get you on your way. Each week on his 3 Dimensional Wealth YouTube channel, Doug Andrew draws upon his experiences as a financial strategist and retirement planning specialist for over 48 years.

This week, Doug tackles the topic of inflation; a subject in which all of us are receiving a somewhat painful first-hand lesson. Over his lifetime, Doug has seen inflationary periods under a number of different presidential administrations. Today, you’ll learn why we’re in another such period and what you can do about it.

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

* Why have inflation measuring standards like the consumer price index been changed by government number crunchers? Doug explains how the official numbers are manipulated to hide inflation’s real costs.

* How does the shrinking purchasing power of each dollar impact your future plans? Learn why people who are on fixed incomes need to plan accordingly for their rising cost of living.

* What is our government doing that is robbing each dollar of its purchasing power? Doug lays out the real costs of out of control government spending and the printing of trillions of newly created dollars.

* Why don’t most politicians understand that their unprecedented spending spree is having a negative effect on our currency? Discover how crisis equals opportunity for too many politicians who think they have to spend.

* How do all the government “solutions” for unemployment and failing businesses simply add fuel to the inflationary fire? Doug explains why throwing borrowed money at these problems is not a long term solution.

* What can you do to ensure that you don’t end up outliving your money at retirement? Learn about Doug’s preferred savings vehicle and how it protects against higher taxes, rising inflation and ongoing market volatility.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew has been a financial strategist and retirement planning specialist for over 48 years. Each week on his 3 Dimensional Wealth YouTube channel, he posts in-depth answers to financial questions he’s been asked.

Doug’s longtime students and clients know that one of his favorite financial vehicles is the properly structured, maximum funded, indexed Universal life insurance contract. In today’s broadcast, you’ll learn why Doug often refers to it as his dream solution.

CHECK OUT THIS QUICK PREVIEW OF WHAT DOUG REVEALS THIS WEEK:

* What is the LASER fund and why does Doug prefer it over other financial vehicles. Learn how you can enjoy liquid assets safely earning predictable rates of return.

* Why is a max-funded IUL useful as more than just a retirement planning tool? Doug explains how this savings vehicle can be a veritable Swiss Army knife that has all kinds of financial uses.

* What makes this instrument such a wise choice in a time when taxes are headed ever higher? Learn how the max-funded IUL has become a protected part of the Internal Revenue Code for generations.

* How does tax-free savings make more sense than by going the tax-deferred route? Doug shares the benefits of benefits of tax-free accumulation and access versus deferring those taxes to a later time.

* What is the difference between life insurance that provides a death benefit compared to life insurance that also provides a living benefit? Doug explains the ways that properly structured life insurance can be utilized for life goals as well as a payout when your life is over.

* Why should you be working now to counter the dangers of higher taxes, rising inflation and ongoing market volatility? Doug warns that people who fail to do this run a very real risk of outliving their savings.

* And much, much more…

Start by visiting with a IUL Specialist today.

Each week on his 3 Dimensional Wealth YouTube channel, Doug Andrew shares in-depth educational insights on what he’s learned as a financial strategist and retirement planning specialist for over 48 years. Recently he shared a series of 5 videos he’s created on the subject of how to stack up an extra million bucks.

This information is invaluable to anyone who is serious about becoming learning how to optimize their assets, minimize taxes and to empower their authentic wealth.

HERE’S A SNAPSHOT OF SOME OF THE TOPICS DOUG COVERS IN THIS EPISODE:

* What is meant by ‘infinite rates of return’? Doug explains this term and also lays out the reasons that so many people, including bank and credit union employees don’t understand what it means.

* Do you know the 4 things that you can do with money? Learn what those things are and you’re on your way to a better understanding of how money works.

* How do banks, credit unions and insurance companies use the money you save with them? Doug shares a few of the ways that these institutions use the money you lend them to make more money.

* Why are insurance companies a lower risk in how they use your money than banks or credit unions? Doug explains the rationale behind their caution and why insurance companies have survived downturns that banks didn’t.

* What makes liquidity such an important consideration in choosing a long term savings vehicle? Discover why having the ability to access your money without incurring taxes or penalties is the smarter choice.

* How can you become your own banker and what would that mean for your financial future? Doug shares the advantages of safe positive leverage and how a lot of people make impressive returns without actually owning the asset that generates that income.

* And much, much more…

Start by visiting with a IUL Specialist today.

Each week on this program, Doug Andrew answers questions as a financial strategist and retirement planning specialist , just like he’s done for over 48 years. Typically, there is no political or other agenda at play, except to educate you on how certain things happen, including taxes and inflation and how to best deal with them.

The goal is always to help you plan for your brighter future in such a way that you are not at risk of outliving your money. When Doug asks the audience at his teaching events whether they’d like him to be gentle or honest, the answer is always overwhelmingly in favor of honesty. Today’s show will honestly address some difficult facts that must be faced.

CHECK OUT THIS PREVIEW OF THE TOPICS COVERED THIS WEEK:

* What is the agenda that the Biden administration seems to be pursuing? Doug explains how the policies being pursued at the national level will put both Republicans and Democrats alike at significant financial risk.

* How does Biden-nomics differ from its predecessors including Reagan-nomics? Learn the difference between how Reagan and Biden pursued tax and economic policies and how they affect the taxpayers.

* What are the two basic philosophies regarding how government should be that could have direct impact on your ability to save for the future? Doug lays out the differences between a government that provides what it thinks you need versus one that gets out of your way and allows you to provide your own solutions.

* How is it possible to raise tax revenues by lowering taxes? Discover how lower taxes incentivize people to produce and create which, in turn, generates even higher tax revenues.

* Why are taxes poised to rocket even higher under the current administration? Doug provides the low down on how massive government spending is creating calls for ever-higher taxation.

* How can you protect your retirement nest egg from the threats of higher taxes, rising inflation and ongoing market volatility? Doug reveals his preferred savings vehicle and how it covers all of these bases.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew’s 3 Dimensional Wealth YouTube channel is a remarkable, and free, resource for getting highly informative answers to your financial questions. As a financial strategist and retirement planning specialist for over 48 years, Doug has a very deep well of knowledge from which to draw.

One of the questions he’s been asked regularly, is this: How does Indexed Universal Life (IUL) provide tax-free income? That’s a question Doug is more than happy to answer since IUL is one of his favorite savings vehicles for long term goals such as retirement.

HERE’S A SNAPSHOT OF WHAT DOUG COVERS THIS WEEK:

* Why is liquidity so important when it comes to choosing how you’ll save your serious money for the future? Doug explains why having real access to your money, without fines or penalties, is the way to go.

* What is meant by safety of principal regarding your long term savings? Learn how the right savings vehicle will protect your money from market volatility without losing the benefits of market growth.

* Is there a ‘dream solution’ to enjoying liquid assets, safely earning predictable rates of return? Doug shares his preferences for the max-funded IUL as a means of building a nest egg for multiple financial goals.

* Why is the IUL so well-suited to be a savings vehicle for your brighter future? Discover how it’s possible to not only accumulate your money tax-free but also to access it later without triggering taxes.

* How do people with money in IRAs and 401(k)s miss out on the advantages of tax-free accumulation and distribution? Doug reveals the true costs of tax-deferred savings and the disadvantage that comes with it.

* What makes the goal of tax-free income at retirement so attractive? Doug explains how getting those taxes over and done with is a much safer move than deferring them to a future time and hoping for lower taxes.

* And much, much more…

Start by visiting with a IUL Specialist today.