In this episode, Doug Andrew breaks down investment return vs investor return, exposes the limits of the 4% rule, and shows how strategic rollouts and properly structured IUL (LASER Funds) can deliver tax-free income without depleting principal. Learn how to avoid buy-high/sell-low mistakes, manage taxes, and turn volatility into predictable retirement cash flow.
00:00 – Investment vs Investor Return
01:07 – Why Averages Mislead Retirees
02:27 – Sequence of Returns & Taxes
04:59 – Dalbar: The Behavioral Gap
06:40 – The 4% Rule Problem
08:42 – IUL/Laser Fund Alternative
10:00 – Case Study: From 4% to 10% Payout
12:22 – Strategic Rollout & Tax Play
14:44 – How to Vet IUL Specialists
15:53 – What’s Next
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What To Watch Next
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How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer
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