3 Dimensional Wealth Radio

When Doug Andrew is presenting at educational events all across the country, his goal is to educate people on the opportunities, strategies and concepts that have the greatest impact upon their financial and retirement planning. This is particularly true of his popular RBD or Retire By Design events.

As a financial strategist and retirement planning specialist for more than 48 years, Doug teaches those of us who are planning for a brighter future, including many financial and tax planning professionals. Today, you’ll learn 4 of the most common questions asked by his students.

CHECK OUT JUST A HANDFUL OF THE TRUTHS DOUG REVEALS IN THIS WEEK’S BROADCAST:

* Is there risk in simply parking your money in an IRA or 401(k) and leaving it there? Doug explains how these traditional savings vehicles can expose you to significant risks down the road.

* Can tax-deferred savings come back to bite you when you least expect it? Learn why the folks who are counting on automatically being in lower tax brackets at retirement are in for a nasty surprise.

* What are the three factors that can dramatically increase the chances of you outliving your money? Discover how higher taxes, rising inflation and ongoing market volatility can impact your financial future.

* Is it possible to not lose money while still making solid returns? Doug describes the LASER fund–his preferred savings vehicle to achieve liquid assets safely earning predictable rates of return.

* What did the past two recessions teach millions of Americans about their retirement plans and what can you learn from their experience? Doug spells out how the 40% losses of each recession were a major wake up call for all of us.

* How can you enjoy the upsides of market growth without putting your principal at risk? Doug explains the critical difference between indexed mutual funds and the strategy of indexing.

* And much, much more…

Start by visiting with a IUL Specialist today.

Almost daily, Doug Andrew posts answers to financial questions on his 3 Dimensional Wealth YouTube channel. Recently, he answered the question, “How liquid is money in your favorite financial instrument?”

Doug’s favorite financial instrument is a maximum-funded, indexed universal life insurance contract that has been structured correctly and properly funded. The burning question when it comes to liquidity is this: how easily can I access my money when I need to? As you listen to Doug’s answer, keep in mind that liquidity is one of the key elements of a prudent investment.

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

* Why do so many financial advisors place a lower priority on liquidity? Doug explains that these advisors tend to forget that life is unpredictable and that’s why you need the ability to access your money.

* What are some of the places where a great many Americans have their money saved that aren’t really liquid at all? Doug warns about what happens when those savings are primarily in IRAs, 401(k)s or in the market.

* How do many of these ways of saving for the future, keep you separated from your money unnecessarily? Learn why the strings that are attached to many of these vehicle make it difficult and costly to access them.

* Why are IRAs and 401(k)s a poor choice if liquidity is a high priority for you? Doug lays out the tax liabilities as well as the penalties that you’ll face if you take money out before age 59 and a half.

* How does having money in the market expose you to needless risk? Discover the difference between having your money at risk in a volatile market and having your money tied to the market via indexing.

* What does Doug recommend for those who wish to have liquid assets safely earning a predictable rate of return? Doug’s LASER fund offers all of these benefits while protecting against higher taxes, rising inflation and ongoing market volatility.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew speaks and teaches at educational events all around the country, including his RBD or Retire By Design events. His goal is to educate people on the opportunities, strategies and concepts that have the greatest impact upon their financial and retirement planning.

Doug has been a financial strategist and retirement planning specialist for more than 48 years. In today’s show, he’ll address 4 very common questions that are asked by his students in these courses. This includes financial and tax planning professionals as well as regular folks who are planning for their brighter future.

HERE IS A QUICK SUMMARY OF JUST A FEW OF THE POINTS DOUG SHARES IN THIS EPISODE:

* What is the danger of simply putting your money into an IRA or 401(k) and leaving it there? Learn why these traditional savings vehicles leave much to be desired and can expose you to significant risks as well.

* How can tax-deferred savings come back to bite you at the time you least expect it? Doug explains how those who believe they’ll automatically be in a lower tax bracket at retirement are in for a surprise.

* Why are higher taxes, rising inflation and ongoing market volatility an increasing concern for your financial future? Discover how these three factors can dramatically increase the odds of outliving your money.

* What can you do to not lose money and still make good returns? Doug shares his favorite savings vehicle for liquid assets safely earning predictable rates of return–the LASER fund.

* How did the past two recessions affect the retirement plans of millions of Americans and what can you learn from that? Doug points out how those 40% losses of each recession contained valuable lessons for those who are paying attention.

* Why is indexing a better way to enjoy market growth without putting your principal at risk? Doug explains the difference between indexed mutual funds and the strategy called indexing.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew is writing a book called “Wealthy, Healthy and Wise” that offers deep insight to why his approach is called 3 Dimensional Wealth. As a financial strategist and retirement planning specialist for more than 48 years, he understands that money is only one part of authentic wealth. There are other aspects that also deserve our attention.

Doug understands that far too many people spend their health in the years leading up to retirement and then end up spending their wealth trying to regain their lost health. There’s a better way to live and, in today’s episode, you’ll learn why it’s so important to understand this.

CHECK OUT THIS QUICK PREVIEW OF JUST A FEW OF THE TOPICS COVERED THIS WEEK:

* How do small mistakes, made over time, add up into serious problems down the road? Learn how the bad habits and indulgences we embrace today can come back to bite us many years later.

* What is the LASER fund and how can it help you save for retirement? Doug explains why liquid assets safely earning predictable rates of return is a goal each of us should have.

* Why do so many financial advisors get the order of the key elements of a prudent investment out of order? Discover what these elements are and why they must be given proper priority.

* How do tax hikes, rising inflation and ongoing market volatility threaten your retirement nest egg? Doug lays out the dangers as well as the solutions to these factors that can cause you to outlive your money.

* Why is liquidity such an essential element of any investment you consider? Doug reveals how many retirement plans keep your money off limits and difficult to access–before and sometimes during retirement.

* What is the downside of accumulating your retirement savings in an IRA or a 401(k)? Doug points out how just because a lot of people utilize these methods, doesn’t make them the best way to save for the future.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew’s “Retire By Design” courses are life-changing for his students in that they provide retirement planning information that many people simply don’t know. As a financial strategist and retirement planning specialist for more than 48 years, Doug has a lot to share with people from every walk of life.

Whether you’re actively preparing for retirement or you are at retirement, this information is extremely relevant. Doug also introduces the 3 dimensions of authentic wealth to help his students gain clarity regarding where they are at and where they would like to go.

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

* Why should you be concerned with higher taxes, rising inflation and ongoing market volatility? Learn how these three dangers can combine to drain a person’s life savings and cause them to outlive their money.

* What’s the purpose of a scorecard to help people understand exactly where they are financially? Doug explains how his simple exercises can help you understand exactly you he are in relation to where you’re headed.

* What should you know in order to enjoy your golden years with confidence? Doug shares the 10 game-changer principles that will help ensure that you don’t end up outliving your money.

* Why is having access to your money more important than you think? Doug explains how liquidity figures into a solid retirement plan and explains why traditional savings plans can be cumbersome.

* How you can know that your nest egg won’t be eaten up by rising inflation? Discover why safety of principal is vitally important to your retirement planning.

* What is the LASER fund and how it can benefit you and your retirement plans? Doug reveals his favorite savings vehicle and how it’s possible to enjoy liquid assets safely earning predictable rates of return.

* 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. During that time, he’s taught a lot of educational sessions for students of all types. His “Retire By Design” courses are life-changing in that they provide retirement planning information that many people simply don’t know.

This information is of crucial importance for those who are actively preparing for retirement as well as for those who are at retirement. In these courses, one of the things Doug helps his students gain is clarity as to where they are at and as to where they would like to go. This includes understanding the 3 dimensions of authentic wealth.

HERE’S A QUICK PREVIEW OF JUST A FEW OF THE SUBJECTS DOUG COVERS IN THIS EPISODE:

* What are the biggest dangers that cause people to outlive their money? Doug spells out the risks of higher taxes, rising inflation and ongoing market volatility as well as how to eliminate these dangers.

* Why does Doug use a scorecard to help his students better understand where they are financially? Learn how these simple exercises help a person understand exactly where he stands in relation to where he’s going.

* What are the 10 game-changer principles that you must know to enjoy your golden years with confidence? Doug shares the key things that add up to the calm assurance that your savings will be more than enough.

* How does liquidity figure into a rock solid retirement plan? Doug explains how the ability to access your money is a lot more important than many people think and why traditional savings plans can be overly complicated.

* Why is safety of principal so important to your retirement planning? Discover how you can know that your nest egg is not going to be eaten up by the ravages of inflation.

* Is it possible to enjoy liquid assets safely earning predictable rates of return? Doug describes his favorite savings vehicle–the LASER fund and how it can benefit you and your retirement plans.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew posts answers each week on his 3 Dimensional Wealth YouTube channel to various financial questions he’s been asked. Doug is not a pessimist yet, at the same time, he is a realist.

He thinks that life is going to change from the way we’ve known it and much of this change will have to do with policies that are being passed by the current administration. Many of these changes seem to come no matter which party is in charge and Doug has seen many presidents come and go–each with their different approaches to fiscal and monetary policy. With this in mind, here are a few things you should know.

HERE IS A SNAPSHOT OF A HANDFUL OF THE CONCEPTS DOUG COVERS THIS WEEK:

* Why should we pay close attention to the seemly small changes? Doug reminds us that the Gutenberg printing press didn’t seem like a huge deal, yet it opened the door for people to learn on their own.

* How does separation of the state and the economy make sense like the separation of church and state? Learn why government interference in the economy, including government spending, can cause much larger problems.

* Why is the practice of infusing the economy with newly printed money such a dangerous thing to do? Doug explains how inflation waters down the purchasing power of every dollar, including those you’ve saved for the future.

* What makes political interference in economics so dangerous to all of us? Discover how, no matter how well-intended, most politicians simply don’t understand economics or how to run a business.

* Why does the ratio of people who pay taxes compared to those who consume those taxes matter so much? Doug shares the hard reality of what other presidential administrations have done to shift that ratio toward the consumers and away from the producers.

* How can you protect your hard-earned money from the threats of higher taxes, rising inflation and ongoing market volatility? Learn about Doug’s favored savings vehicle and how to enjoy liquid assets safely earning predictable rates of return.

* And much, much more…

Start by visiting with a IUL Specialist today.

Each week, Doug Andrew posts answers to financial questions he’s been asked on his 3 Dimensional Wealth YouTube channel. Recently, he recorded a video answering questions he’s been asked about long term care expenses.

These are the types of expenses that, oftimes, elderly people incur when they have a long term illness or must spend time in a long term care facility or nursing home. Obviously, this is something that can get very expensive very quickly. And there is real danger in draining your financial resources in a remarkably short period of time.

CHECK OUT THIS SNEAK PREVIEW OF A HANDFUL OF THE TOPICS COVERED IN THIS EPISODE:

* Who should consider insuring for long term care expenses and what is the best way? Doug explains who is at risk and how to prepare for the long term care contingency.

* What is traditional long term care insurance and why does Doug recommend against it? Learn about the downsides of this type of insurance and why it’s worth looking at other alternatives.

* What are some of the other ways that you can fund long term care? Discover what the maximum-funded, indexed universal life insurance contract is and what advantages it offers.

* Why is tax-free accumulation so important when it comes to growing and protecting your nest egg? Doug shares how this method protects you from increasing taxes while you’re saving and even when accessing your money.

* How does the maximum-funded, indexed universal life insurance contract knock the socks off of traditional IRAs and 401(k)? Doug spells out how this savings vehicle protects against increasing taxes, rising inflation and market volatility.

* What is the LASER fund and how does it position you for peace of mind as you move forward? Doug explains how to enjoy liquid assets safely earning a predictable rate of return regardless of what the market is doing.

* And much, much more…

Start by visiting with a IUL Specialist today.

Doug Andrew tackles questions from people like you, each week on his 3 Dimensional Wealth YouTube channel. This week he’s taking on the question of how the truly wealthy think and act differently from the rest of society.

He starts with a metaphor that perfectly illustrates the question at hand. Doug asks, what is the most important piece of information when you are setting out for a particular destination? The answer, which many people miss, is to know exactly the place from which you will start your journey.

HERE ARE JUST A FEW OF THE POINTS DOUG COVERS IN THIS EPISODE:

* Why is it impossible to reach a particular destination, financially or otherwise, if you don’t know your starting point? Doug explains how essential it is to first take an unflinching look at where you’re starting.

* What makes it so difficult for people to be perfectly honest with themselves about their finances? Learn why the truth of how we’re doing financially can be frightening for those who don’t know what they don’t know.

* How does clarity free us from fear of the unknown? Doug points out that once a person has real clarity as to where they are at, the path to where they wish to go becomes much more clear.

* What are the three dimensions of authentic wealth and why do they matter? Discover why the financial dimension, the foundational dimension and the intellectual dimension all play into understanding where you are.

* Why is authentic wealth a function of much more than simply how much money you have? Doug lays out the reasons why wealth is but a tiny part of the equation which also includes family, health and other factors.

* What is the benefit of knowing that you will not outlive your savings? Doug shares some of the observations he has gleaned over more than four and a half decades as a tax strategist and retirement planning specialist.

* And much, much more…

Start by visiting with a IUL Specialist today.

One of the questions that Doug Andrew answers each week on his 3 Dimensional Wealth YouTube channel is from individuals who wonder why more people don’t become wealthy. If this is something you’ve wondered about, Doug has some answers for you.

Years ago, he wrote a newspaper article explaining this very topic. Doug says part of the reason so many people don’t become wealthy is because of an essential missing structure in their financial planning. As a financial strategist and retirement planning specialist for more than 48 years, Doug has some solutions that he’s willing to share.

CHECK OUT THIS PREVIEW OF JUST A FEW OF THE ANSWERS DOUG HAS FOUND:

* Is there danger in simply following the herd when planning for retirement? Doug explains why the masses tend to miss out on better and more productive ways to save because they have locked themselves into less productive habits.

* Is there a reason why people end up outliving their savings after they reach retirement? Learn the mistake that many people are making by using traditional accounts like IRAs and 401(k)s as a means of building their nest egg.

* What is the biggest difference between those who find themselves enjoying financial peace and abundance and those who don’t? Doug reveals how financial freedom can require breaking with the crowd and heading in a more productive direction.

* What is the reason so many Americans find themselves in financial captivity? Doug shares some of the common mistakes that people make and what they must do about freeing themselves.

* Are sound there alternatives to traditional savings vehicles like IRAs and 401(k)s? Doug describes favorite savings vehicle as well as how it’s entirely possible to enjoy liquid assets safely earning a predictable rate of return.

* What is danger of having what’s known as the “striver” mentality? Discover why many people have yet to learn the critical lesson on how to live on less than what they earn.

* And much, much more…

Start by visiting with a IUL Specialist today.