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 indexing



The 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 – Introduction

00:01:25 – Biggest dangers to retirement

00:04:11 – Rule of 72

00:10:00 – Is the 4% rule dead? The uncomfortable new math

00:14:09 – RMDs vs. safety

00:15:03 – IUL illustration

00:21:34 – Recent credited returns and diversification

00:26:10 – How to start

00:29:56 – Choosing carriers

00:38:52 – Final takeaways



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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:

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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



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