93 Million with Doug Andrew

3 Dimensional Wealth
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There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for d...

  1. 2d ago

    Fiduciary Conflicts, Tax Strategy, and IUL Mistakes (Episode 67)

    Discover why the word fiduciary may not be enough to protect your retirement money. Doug Andrew, Greg Dukewitz, Emron Andrew, Aaron Andrew, and Brandon Johnson dive into fiduciary duty, hidden financial advisor conflicts, and the importance of becoming your own best fiduciary through education. Learn why properly structured Indexed Universal Life can help support tax-free retirement income, cash value growth, market-crash protection, and long-term wealth planning. This episode reveals: - Why fiduciary status does not always guarantee the right financial strategy. - How properly structured IUL policies can reduce fees and improve efficiency. - Why death benefit, funding schedule, and policy audits matter before moving forward. Whether you are researching Indexed Universal Life, tax-free retirement, financial advisor conflicts, or the LASER Fund strategy, this episode shows how education can help you protect your money and make smarter decisions. Timestamps: 00:00:00 – Introduction 00:01:04 – Fiduciary trust problem 00:02:36 – Fiduciary label challenged 00:06:49 – Become your own fiduciary 00:10:00 – Education-first IUL planning 00:13:50 – IUL protection strategy 00:19:30 – Million-dollar policy question 00:20:08 – Funding rules explained 00:22:18 – Oversized policy risks 00:25:00 – Audit illustrations first 00:26:13 – Death benefit versus bucket 00:27:40 – Five-story building analogy 00:31:14 – Final fiduciary reminder ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/start 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 ----------

    32 min

  2. Jun 3

    Retirement Income, IUL, Taxes, and Legacy Planning (Episode 66)

    Discover how tax-free retirement income, indexed universal life, and smarter legacy planning can help you avoid running out of money in retirement. Doug Andrew and the 93 Million team break down the real dangers retirees face—taxes, inflation, market volatility, and poor inheritance planning—and explain why traditional retirement strategies may not be enough. This episode reveals: - Why taxes, inflation, and market volatility threaten retirement security. - How IUL strategies may help protect income from market downturns. - Why a family bank can turn inheritance into responsibility. Whether you’re worried about the 4% rule, outliving your nest egg, or leaving wealth to children the wrong way, this episode shows how planning now can protect both your retirement and your legacy. Timestamps: 00:00:00 — Episode Overview 00:01:00 — Retirement Money Fears 00:02:01 — Inflation Destroys Purchasing Power 00:03:43 — The 4% Rule Problem 00:09:48 — Indexed Universal Life Basics 00:13:34 — IUL Loans Explained 00:20:07 — Inheritance Can Hurt Children 00:23:12 — Family Bank Strategy ---------- 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 ----------

    30 min

  3. May 28

    How To Protect Wealth From Stock Market Uncertainty

    Discover how market uncertainty, max-funded Indexed Universal Life, and the power of KASH can reshape the way you think about retirement planning and generational wealth. Doug Andrew and the 93 Million team dive into why stock market crashes are impossible to time, yet inevitable over the long run. Learn how properly structured IUL strategies are designed to participate in market upside, avoid direct market losses, and create tax-free retirement income through indexing, lock-in and reset strategies, and recovery opportunities. This episode reveals: - Why predicting the next stock market crash is less important than preparing for it. - How max-funded IUL strategies may help protect retirement income from market volatility. - Why KASH can help families avoid entitlement and preserve generational wealth. - How the three dimensions of authentic wealth go beyond money - Why properly structured IUL matters for cash accumulation and long-term efficiency Whether you are worried about market crashes, taxes, retirement income, or leaving wealth to your children and grandchildren, this episode shows how the L.A.S.E.R. Fund framework, family banking, and KASH principles can help create a more confident financial future. ---------- 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

    32 min

  4. May 21

    IUL Questions Answered: Fees, Taxes, Loans and Retirement (Episode 64)

    Discover how a properly structured Indexed Universal Life policy can support liquidity, safety, rate of return, and tax advantages. Doug Andrew and the team answer the most common IUL questions, including how a 1035 exchange can move whole life cash value into an IUL and why indexed crediting is different from investing directly in the stock market. This episode reveals: - How IUL indexing, options, and market protection really work - Why death benefits are generally income tax free - How proper funding can affect liquidity, premiums, and retirement income Whether you’re comparing IUL vs whole life, exploring tax-free retirement, or reviewing an existing policy, this episode shows what to watch for. Timestamps: 00:00:00 — IUL Questions Begin 00:02:09 — Whole Life to IUL 00:06:17 — Death Benefit Taxes 00:07:40 — IUL Retirement Benefits 00:08:45 — How Indexing Works 00:14:10 — Tax-Free Death Benefit 00:17:00 — Accessing IUL Cash 00:25:00 — Is IUL Investment? 00:31:20 — Stopping Premium Payments 00:34:26 — IUL Fees Explained ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/start 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 ----------

    47 min

  5. May 7

    How Max-Funded IUL Creates Tax-Free Retirement Income (Episode 63)

    Discover how the LASER Fund uses properly structured Indexed Universal Life to create tax-free retirement income, liquidity, market-loss protection, and long-term wealth transfer. Learn why indexing, rebalancing, policy loans, alternate loans, and the zero-percent floor can make IUL a powerful retirement income strategy. This episode also reveals: - What the LASER Fund is and why it is not a mutual fund or investment fund - How max-funded IUL can create tax-free income and living benefits - Why underfunded policies, oversized death benefits, and early loans can damage results. - How to identify red flags when working with a casual life insurance agent - Why policy audits and proper IUL design matter before and after purchase Whether you are planning for retirement income, tax-free wealth transfer, emergency liquidity, college funding, or business capital, this episode shows how the LASER Fund framework can help you evaluate whether your money is truly liquid, safe, growing efficiently, and tax-advantaged. Timestamps: 00:00:00 - LASER Fund Introduction 00:01:05 - IUL Strategy Explained 00:05:15 - The LASER Test 00:06:42 - Repositioning Retirement Assets 00:11:20 - Reducing Insurance Costs 00:19:30 - Indexed Growth Potential 00:23:05 - Tax-Free Policy Loans 00:27:14 - Casual Advisor Warning 00:30:00 - Failed IUL Audit 00:39:15 - Advisor Red Flags ---------- 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 ----------

    41 min

  6. Apr 30

    The Hidden Cost of 401k Fees, Taxes, and Lost Growth (Episode 62)

    Discover how opportunity cost can quietly reshape your retirement future. Doug Andrew and his team dive into the real cost of investment fees, 401(k) taxes, IRA withdrawals, taxable accounts, and lost compound growth. Uncover how a properly structured Indexed Universal Life policy can offer tax-free retirement income, market downside protection, policy loan access, and long-term cash value growth. This episode reveals: - What opportunity cost really means and why retirees often overlook it - How 401(k)s, IRAs, and taxable accounts can create hidden tax drag - Why market losses can destroy years of compound growth - How IUL policy loans may preserve compounding while creating tax-free income - Real examples showing IUL fees, death benefits, and long-term retirement cash flow Whether you’re worried about retirement taxes, outliving your money, market crashes, or losing wealth to hidden fees, this episode shows the framework can that help you think differently about protection, growth, and tax-free retirement income. Timestamps: 00:00:00 — Introduction 00:01:05 — Cost Versus Opportunity 00:03:41 — Real Estate Equity Strategy 00:06:16 — Visible Fees Mislead 00:09:46 — Retirement Tax Traps 00:11:44 — IUL Retirement Strategy 00:13:04 — IUL Cost Comparison 00:15:57 — Management Fees Compound 00:18:08 — Taxes Reduce Growth 00:21:52 — IUL Fees Explained 00:23:35 — Tax-Free Retirement Income 00:25:28 — Real IUL Statement 00:34:47 — Final Reminder ---------- 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 ----------

    36 min

  7. Apr 22

    How Valuable Is Tax-Free Income With Rising Taxes? (Episode 61)

    In this episode, Doug Andrew and the 93 Million panel explain how the national debt, rising taxes, and retirement planning are interconnected. They discuss the potential impact of increased tax rates on IRA and 401k withdrawals, the comparison between tax-free and taxable retirement income, and the benefits of Indexed Universal Life in reducing taxes, and more. The episode provides insights into tax-free retirement, IUL vs IRA, retirement income strategy, and the effects of higher taxes on your nest egg. This episode reveals: - Why national debt may lead to higher future taxes for retirees - How tax-free income can outperform taxable withdrawals in retirement - Why IRA, 401k, Medicare, and inheritance rules can create hidden stress - How IUL strategies are presented as a way to reduce taxes and volatility Timestamps: 00:00:00 - Tax-free retirement explained 00:01:02 - Taxes on retirement planning 00:03:17 - National debt threatens savers 00:06:04 - Escape the tax trap 00:10:29 - IUL strategy overview 00:11:43 - Why 100K needs more 00:16:00 - Taxes drain retirement faster 00:20:00 - Hidden Medicare and inheritance costs 00:23:00 - Pay taxes now 00:26:22 - Fund your IUL now ---------- 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 ----------

    32 min

  8. Apr 16

    Choose Your Financial Path: IUL vs IRA, Real Estate & More (Episode 60)

    Discover how a properly structured Indexed Universal Life (IUL) policy can create liquidity, reduce tax friction, and protect your financial plan when life gets unpredictable. In this episode, the team use a game-style format to compare IUL, IRA/401k plans, managed investments, bank savings, annuities, pensions, real estate, and business ownership across real-world scenarios like emergency surgery, expensive weddings, market crashes, unexpected death, and rising taxes. Learn how policy loans, accelerated death benefits, tax-free access, and downside protection are positioned against capital gains taxes, retirement plan penalties, illiquid real estate, and reduced retirement income. This episode reveals: - Why IUL is presented as the most flexible option for emergencies and opportunities - How IRA and 401k withdrawals can trigger taxes, penalties, and retirement setbacks - Why market crashes, death benefits, and future tax hikes can change your financial path Whether you care most about tax-free retirement income, wealth protection, legacy planning, or fast access to cash, this episode shows how different assets perform when timing, flexibility, and control matter most. Timestamps: 00:00:00 — Choose your financial path 00:03:49 — Emergency surgery scenario 00:12:46 — Expensive wedding scenario 00:23:52 — Market crash scenario 00:26:42 — Real estate scenario 00:31:20 — Unexpected death scenario 00:34:10 — Rising taxes 00:38:21 — Final lesson ---------- 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 ----------

    39 min
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About

There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for d...

Information

  • Creator
    3 Dimensional Wealth
  • Years Active
    2025 - 2026
  • Episodes
    66
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew

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