Discover how retirement account fees and taxes drain millions from your savings — and how the L.A.S.E.R. Fund can change your future. Doug Andrew and his team unpack why a properly structured Indexed Universal Life (IUL) beats traditional accounts, offering tax-free growth, zero-loss market protection, and minimal fees.
Uncover why most retirees unknowingly pay fees on Uncle Sam’s share, how to avoid the $1M+ lifetime fee trap, and why correct IUL structuring flips the script on Dave Ramsey’s misconceptions.
In this episode you’ll learn:
– How traditional accounts can lose over $3M to fees and taxes
– Why IUL costs less than 0.5% over time while providing a death benefit
– How to structure policies for long-term tax-free income
– The benefits of “Vacations with a Purpose” for family unity and tax deductions
Whether you want tax advantages, security, or a lasting legacy, this strategy protects what you’ve built.
Timestamps:
00:01:35 – The shocking lifetime cost of retirement account fees revealed
00:03:23 – How 1% annual fees can drain nearly $1M from savings
00:06:32 – Why advisors still profit when your portfolio loses value
00:09:27 – Comparing IUL vs traditional accounts: who wins after 55 years
00:13:19 – How taxes and fees cut a $6M nest egg in half
00:15:56 – Real IUL statement proves Dave Ramsey wrong on policy costs
00:17:36 – The right way vs wrong way to structure an IUL
00:20:08 – Why you can’t fully self-insure from day one
00:26:33 – How “Vacations with a Purpose” build family unity and wealth
00:33:23 – Finding certified IUL advisors to protect your retirement
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