93 Million with Doug Andrew

The LASER Fund Playbook: IUL Growth, Fees, and Protection (Episode 37)

Discover how true compounding—not simple averages—can protect your lifestyle in retirement. Doug Andrew and the 93 Million team reveal how to convert fear into confidence with indexed universal life (IUL), combining tax-free growth, downside protection, and smarter withdrawals.Uncover how IUL’s zero-percent floor and index crediting help you avoid sequence-of-returns risk while pursuing growth. See why small compounding gains (vs “12% average” hype) can double long-term outcomes, and how properly structured IUL fees stay low over time.This episode reveals:- The danger of sequence risk and why averages can mislead- How a max-funded IUL targets tax-free income with a zero floor- Real illustrations and statements that debunk “exuberant” IUL feesWhether you want predictable income, tax advantages, or peace of mind for your family, these insights show how The LASER Fund framework and IUL structure can help you avoid running out of money and retire with confidence.Timestamps:00:00:00 — Introduction00:01:41 — Outliving your money00:03:03 — Dignity, independence, and why financial self-reliance matters00:05:20 — Can I retire without returning to work later?00:11:29 — Average vs compounded returns: the 12 percent myth00:15:25 — How “12% average” still runs out of money00:18:10 — Why a 50% rebound can’t fix a 40% crash00:19:26 — Zero is your hero: IUL’s downside protection floor00:20:50 — The 93 Million principle00:22:23 — Safe withdrawals, taxes, and the 4 percent rule update00:28:20 — How to act: tax-free strategies with Laser Financial00:30:12 — Advisors: scale with the IUL Insiders Challenge00:30:21 — IUL fee myths vs reality: see the actual numbers00:35:12 — Real statements: low costs for young and older clients00:39:18 — Structure is everything: build IULs the right way----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Turning Market Crashes Into Gains (Episode 36)

Discover how to turn volatility into opportunity with Indexed Universal Life (IUL). Doug Andrew and team break down the annual reset, “zero is your hero,” and strategic no-cap indexing so you can sidestep losses and ride powerful rebounds with confidence. Learn how policy-loan arbitrage—borrowing at one rate while your cash value keeps compounding—can help supersize tax-free retirement income. Then apply the LASER test (Liquidity, Safety, Return) to your mortgage strategy and uncover the real cost of extra principal payments.Uncover how IUL’s floor, locked-in gains, and smarter index choices can help you preserve what you’ve built through downturns and recoveries alike. Discover why keeping liquidity in a compounding, tax-advantaged bucket may beat sending dollars to illiquid home equity.This episode reveals:- Annual reset & no-cap tactics to capture rebounds after crashes- Arbitrage with policy loans to potentially lift tax-free income- LASER-based mortgage decisions that prioritize liquidity and growthWhether you want downside protection, compounded growth, or a disciplined income plan, these insights show how a properly structured IUL can fortify your financial future.Timestamps:00:01:48 — IUL annual reset00:05:15 — Zero is hero00:06:52 — Lock gains, reset00:08:41 — No-cap index picks00:11:20 — COVID threshold surge00:12:49 — Fixed account option00:13:18 — IUL arbitrage basics00:15:24 — Zero-wash vs index00:18:58 — 50% income lift00:26:18 — Mortgage vs LASER----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com----------

From Whole Life to IUL: Tax-Free Income Strategy (Episode 35)

Discover how the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. 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 0% floor, smarter indexing, and optional multipliers preserve what you’ve built during market downturns—while capturing meaningful upside. See real-world credits from actual statements, the truth about compound vs average returns, and how to engineer predictable, tax-free income.This episode reveals:- Why “12%” is a myth for retirees—and what to target instead- How to structure IUL allocations (1-, 2-, 5-year) for durable results- The Family Bank method to end entitlement and build resilient heirsWhether you want tax advantages, compound growth, or a legacy that outlasts crises, these insights show how the LASER Fund framework can transform your future.00:00:00 — Introduction00:03:10 — Taxes, fees, volatility00:10:40 — How much income can I generate?00:12:06 — Do IULs underperform?00:16:05 — Multipliers explained00:20:00 — Real clients, real credits00:24:20 — Whole life vs IUL00:28:45 — How to get help00:35:57 — Build a Family Bank00:41:55 — Final takeaway----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Stop Losing To Taxes And Build Tax-Free Income (Episode 34)

Discover how Three-Dimensional Wealth planning protects what matters most: income today, flexibility tomorrow, and a lasting legacy. Doug Andrew and his team dismantle the shrinking 4% rule and reveal how a properly structured, max-funded Indexed Universal Life (IUL) can deliver tax-free retirement income while preserving compounding with a 0% floor and modern indexing strategies.Uncover how taxes, inflation, and volatility quietly erode traditional portfolios—and how IUL’s loan-based income, downside protection, and design discipline keep more dollars in your pocket. Learn to avoid illustration “smoke & mirrors,” pick strong mutual carriers, and structure policies for efficient growth.This episode reveals:- Why the 4% rule is giving way to ~3.7% and what that means- How a max-funded IUL can model ~7–10% tax-free income rates- The Tax & Inflation Power Curve and the Rule of 72 in action- How carrier competition drives lower costs and better indexingThe role of sequence-of-returns risk and how IUL mitigates it.Whether you want tax advantages, downside protection, or lasting legacy benefits, these insights show how the LASER Fund framework can transform your retirement.00:00:00 – Introduction00:01:25 – Biggest dangers to retirement00:04:11 – Rule of 7200:10:00 – Is the 4% rule dead? The uncomfortable new math00:14:09 – RMDs vs. safety00:15:03 – IUL illustration00:21:34 – Recent credited returns and diversification00:26:10 – How to start00:29:56 – Choosing carriers00:38:52 – Final takeaways----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com----------

The Cost of IUL, Volatility, and Spending vs. Taxation (Episode 33)

Discover how indexing inside IUL can replace panic with a plan. Doug Andrew’s team unpacks zero floors, annual resets, and locked-in gains—so you avoid losses while still capturing rebounds. See why buy-and-hold often beats timers, and how IUL adds a disciplined, tax-advantaged engine to your retirement.Uncover how tax diversification—shifting from taxable and tax-deferred to tax-free—helps you prepare for potential higher future taxes. Then watch the numbers: real IUL costs, IRR, caps, and participation rates, plus a live client statement showing fees versus credited interest.This episode reveals:- Why timing fails and emotions hurt investor outcomes- How IUL’s zero floor and reset lock in prior gains- The mechanics of caps, participation, and multi-year strategies- What IUL really costs—and how design changes everythingWhether you want downside protection, tax-free income, or a retirement plan you can stick to, these insights show how properly structured IUL can steady your path.Timestamps:00:00:00 — Introduction00:01:26 — Market volatility 10100:02:47 — Miss the “best days,” crush your long-term returns00:05:53 — Emotion vs. logic: panic selling and FOMO buying00:07:24 — IUL indexing basics: zero floor, capped upside, tax-free growth00:08:40 — Locked-in gains and annual reset, explained with a ratchet00:14:39 — Spending vs. taxation: debt, deficits, reform implications00:17:19 — Tax diversification: taxable, tax-deferred, and truly tax-free buckets00:25:27 — IUL costs simplified: structure right vs. costly designs00:32:40 — Real client numbers: $95k credited interest vs. $3k fees----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Small Business Wealth: The BEST Alternative to 401(k)s and IRAs (Episode 32)

Discover how a max-funded Indexed Universal Life (IUL) can power tax-free growth, liquidity, and protection while avoiding common design mistakes. Doug Andrew and team break down the Laser-Ready Test, the Rule of 72, and the trade-offs of Term, Whole Life, and IUL so you can align coverage and cash value with your real goals.Uncover how a zero-percent floor and smarter indexing can shield your nest egg from market losses while still participating on the upside—and why riders and annual rebalancing matter.Now that you see the benefits of transparent, purpose-driven planning, this episode reveals:- When to use Term vs IUL (and where riders truly belong)- How to vet advisors with the 14-point Laser-Ready checklist and fee clarity- Small-business strategies: selective incentive plans, key-person coverage, and the four entrepreneurial freedomsWhether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your financial future.00:00:01 - Introduction00:03:01 - Understanding IUL00:07:03 - The Role of Financial Professionals00:10:28 - Can Someone Create a LASER Fund on Their Own?00:12:51 - The Importance of Regular Reviews00:14:49 - Term Life vs IUL00:25:24 - Advice for Small Business Owners00:30:37 - The Importance of Purpose in Small Businesses00:35:05 - The Four Freedoms and Business Growth00:36:23 - Closing Remarks and Call to Action----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

How Much Do You Really Need To Retire? (Episode 31)

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 flowWhether 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: taxes00:03:23 • Stop losses derailing retirements: sequence-of-returns risk explained00:04:47 • Why a 6% net payout targets lifestyle without taxes00:05:59 • 10–12× income fails—why the 4% rule breaks budgets00:07:21 • Behavior gap vs market return00:09:00 • Save 20% to maintain lifestyle—don’t wait for your 50s00:10:00 • Case study: IRA to IUL for higher, tax-free cash flow00:12:56 • The LASER Test: Liquidity, Safety, Return, Tax Advantages00:14:22 • Liquidity wins: access cash without triggering market or taxes00:16:40 • Safety first: why banks trust life insurers with reserves00:17:10 • Rate of return with zero floor and annual reset00:18:14 • Tax-free accumulation and access: the IUL advantage00:20:00 • Fixing IULs: 1035 exchange and proper max-funding00:24:18 • Life Sketch: capture defining moments your heirs will revisit00:30:00 • The legacy questions that matter more than your will----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Stop Taxing Your Harvest: Escape The IRA/401(k) Traps Now (Episode 30)

Discover how strategic tax planning and modern life insurance design can fortify your retirement. Doug Andrew and team demystify the “seed vs harvest” tax choice and show how a properly structured IUL (LASER Fund) turns compounding into tax-free income. Learn how TEFRA/DEFRA/TAMRA and Section 7702 enable efficient designs that protect growth and legacy.Uncover how smart policy loans keep money compounding, why indexed loans can create positive arbitrage, and how to avoid the tax drag that drains IRAs and 401(k)s.Now that you see the cost of harvest-taxed savings, this episode reveals:- The Rule of 72 and “93 million miles” compounding advantage- No-vacancy funding to maximize cash value and reduce costs- How 7702’s update made compliant IULs more efficient than everWhether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your retirement.Timestamps:00:00:00 — Optimize assets, minimize taxes, master tax-free retirement strategies00:02:23 — Seed vs harvest: Why deferring taxes backfires in retirement00:06:17 — TEFRA, DEFRA, TAMRA: Rules that unlock IUL tax advantages00:08:58 — “No vacancy” funding: Fill your LASER Fund to the max00:12:43 — Loans vs withdrawals: Keep compounding and tap cash tax-free00:16:20 — Ready for a plan? How to implement a LASER Fund00:18:19 — Compound interest power: Why small rates become big outcomes00:22:08 — 93 million miles: The fold that doubles your future00:27:58 — Rule of 72: Time, rate, and your doubling schedule00:29:34 — Tax drag showdown: Tax-free vs taxed-as-earned vs deferred00:31:20 — Retirement math: Why IRAs often run dry in 11 years00:32:59 — Final takeaways: Stay tax-free, keep compounding, protect legacy----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com----------

IUL vs Whole Life, Sequence of Returns, Sequence of Returns, And Indexing 101 (Episode 29)

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 meansIf 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 win00:01:22 — 2008 crash truth: rebounds don’t erase drawdowns00:03:28 — Losses need bigger gains: the compounding reality check00:05:40 — Sequence of returns risk ruins “average return” plans00:07:42 — Don’t lose money: protect first, then pursue gains00:09:28 — Indexing 101: zero floor, caps, and annual reset00:10:56 — Lock in gains, reset low, ride recoveries smarter00:12:36 — Case study: COVID drop to 61% credited rebound00:16:58 — Up 50, down 50: why indexing still wins00:20:58 — Why IUL demand surged and whole life lagged00:24:22 — Self-insure, shrink policy costs00:31:24 — Side-by-side: whole life vs IUL income outcomes00:34:28 — IRR reality: tiny fee drags compound into millions00:39:22 — Owner’s view: predictable dividends vs indexed upside00:41:18 — Parable of talents: burying money vs compounding----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com----------

Family Bank, IRA & 401(k) Tax Traps, And IUL for SMBs (Episode 28)

Discover how Indexed Universal Life (IUL) can transform your small business and retirement. Doug Andrew and his team dive into the power of a properly structured IUL, blending liquidity, safety, and tax-free growth with the discipline of a family bank. Learn why a working capital account in an IUL can earn a higher rate of return than a traditional bank.Uncover the truth about the IRA and 401(k) tax trap and why deferring taxes is really just a form of tax procrastination that can cost you dearly in retirement. Discover how to avoid Required Minimum Distributions (RMDs) and prevent your kids from inheriting a tax nightmare.This episode reveals: • The hidden dangers of traditional retirement accounts and how to escape the tax trap. • Why a family bank is about more than just money—it's a system for passing on Knowledge, Attitude, Skills, and Habits (K-A-S-H) to future generations. • How a properly funded IUL can provide tax-free income, protect against market volatility, and serve as a powerful financial tool for your business.Whether you're an entrepreneur, a retiree, or a financial professional, these insights will show you how to build, grow, and protect your wealth for life.Timestamps:00:01:20: Discover how an IUL helps your small business grow.00:03:38: Learn how a working capital account generates tax-free wealth.00:07:00: Stop lazy, idle money from driving entrepreneurs crazy.00:11:28: Exposing the IRA and 401k tax trap.00:13:59: How deferring taxes hands over your future to the government.00:17:01: Why IRAs make your Social Security and Medicare taxable.00:22:07: The worst retirement advice is just taking RMDs.00:26:51: What's a family bank and should you have one?00:32:00: Learn the three dimensions of authentic wealth.00:34:40: The difference between financial cash and intellectual KASH.----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com