Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a 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, lock-in, and annual reset preserve what you’ve built from market downturns—then capture growth. See why sequence of returns devastates “average return” plans and how indexing reframes the math in your favor.
This episode reveals:
– The math behind drawdowns—and why zero can be a hero
– How IUL vs Whole Life compares on IRR, costs, and tax-free income
– Real-world rebound years after crashes and what “reset” really means
If you want tax advantages, compounding, and peace of mind, the L.A.S.E.R. Fund framework can transform your future.
Timestamps:
00:00:00 — The villainy of volatility and why zero can win
00:01:22 — 2008 crash truth: rebounds don’t erase drawdowns
00:03:28 — Losses need bigger gains: the compounding reality check
00:05:40 — Sequence of returns risk ruins “average return” plans
00:07:42 — Don’t lose money: protect first, then pursue gains
00:09:28 — Indexing 101: zero floor, caps, and annual reset
00:10:56 — Lock in gains, reset low, ride recoveries smarter
00:12:36 — Case study: COVID drop to 61% credited rebound
00:16:58 — Up 50, down 50: why indexing still wins
00:20:58 — Why IUL demand surged and whole life lagged
00:24:22 — Self-insure, shrink policy costs
00:31:24 — Side-by-side: whole life vs IUL income outcomes
00:34:28 — IRR reality: tiny fee drags compound into millions
00:39:22 — Owner’s view: predictable dividends vs indexed upside
00:41:18 — Parable of talents: burying money vs compounding
———-
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
———-