Discover how the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the LASER Test—blending Liquidity, Safety, and Rate of Return with powerful tax advantages using a properly structured, max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes.
Uncover how IUL’s zero-percent floor and annual reset protect you from market downturns while compounding growth. Capture your values—and your family’s story—through a Life Sketch that preserves defining moments for generations.
Now that you see the benefits of a diversified, purpose-driven plan, this episode reveals:
– Why the 4% rule falls short and how to replace income tax-free
– How to avoid sequence-of-returns risk at retirement
– When a 1035 exchange can boost efficiency and cash flow
Whether you seek tax advantages, steady income, or a lasting legacy, the LASER Fund framework can transform your future.
Timestamps:
00:01:52 • The retirement number myth most calculators ignore: taxes
00:03:23 • Stop losses derailing retirements: sequence-of-returns risk explained
00:04:47 • Why a 6% net payout targets lifestyle without taxes
00:05:59 • 10–12× income fails—why the 4% rule breaks budgets
00:07:21 • Behavior gap vs market return
00:09:00 • Save 20% to maintain lifestyle—don’t wait for your 50s
00:10:00 • Case study: IRA to IUL for higher, tax-free cash flow
00:12:56 • The LASER Test: Liquidity, Safety, Return, Tax Advantages
00:14:22 • Liquidity wins: access cash without triggering market or taxes
00:16:40 • Safety first: why banks trust life insurers with reserves
00:17:10 • Rate of return with zero floor and annual reset
00:18:14 • Tax-free accumulation and access: the IUL advantage
00:20:00 • Fixing IULs: 1035 exchange and proper max-funding
00:24:18 • Life Sketch: capture defining moments your heirs will revisit
00:30:00 • The legacy questions that matter more than your will
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