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Listen "The Cost of IUL, Volatility, and Spending vs. Taxation (Episode 33)"
Episode Synopsis
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 everything
Whether 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 — Introduction
00:01:26 — Market volatility 101
00:02:47 — Miss the “best days,” crush your long-term returns
00:05:53 — Emotion vs. logic: panic selling and FOMO buying
00:07:24 — IUL indexing basics: zero floor, capped upside, tax-free growth
00:08:40 — Locked-in gains and annual reset, explained with a ratchet
00:14:39 — Spending vs. taxation: debt, deficits, reform implications
00:17:19 — Tax diversification: taxable, tax-deferred, and truly tax-free buckets
00:25:27 — IUL costs simplified: structure right vs. costly designs
00:32:40 — Real client numbers: $95k credited interest vs. $3k fees
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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:
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
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 everything
Whether 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 — Introduction
00:01:26 — Market volatility 101
00:02:47 — Miss the “best days,” crush your long-term returns
00:05:53 — Emotion vs. logic: panic selling and FOMO buying
00:07:24 — IUL indexing basics: zero floor, capped upside, tax-free growth
00:08:40 — Locked-in gains and annual reset, explained with a ratchet
00:14:39 — Spending vs. taxation: debt, deficits, reform implications
00:17:19 — Tax diversification: taxable, tax-deferred, and truly tax-free buckets
00:25:27 — IUL costs simplified: structure right vs. costly designs
00:32:40 — Real client numbers: $95k credited interest vs. $3k fees
----------
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/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
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