Discover why putting all your money into IUL is a mistake—and how to truly diversify your retirement for maximum tax-free income. Doug Andrew shares his proven 40–60% strategy for optimizing returns and minimizing taxes. 00:00:00 – Why You Shouldn’t Go All-In on IUL 00:01:05 – What Real Diversification Looks Like 00:02:09 – 4 Retirement Income…