Eliminate these financial dangers.
In this episode, I am going to address tax increases inflation and market volatility
coming.
So, beware and I am going to show you how to make yourself immune from those 3 dangers
that cause most Americans especially in retirement to outlive their money.
How sad is that?
I don't want you to be one of them.
So, my name is Doug Andrew and I've been a financial strategist, a retirement planning
specialist for more than 4 and half decades.
And I have discovered that most retirees outlive their money because of 3 major dangers.
And so, I've spent a lot of my career helping people eliminate those dangers on their hard-earned
money especially at retirement.
And I am going to show you the opportunities that you can seize in order to do this.
So, when we understand taxes can take their impact on your hard-earned dollars to where
if you have a million-dollar nest egg and if you're earning 10%, you theoretically should
be able to pull out 100 grand a year, right?
Well, if you pull out 100,000 out of a million-dollar nest egg and you have to pay tax because it's
a tax-deferred IRA or 401k, between federal and state tax, because 41 out of 50 states
has a state tax.
You might only net 70,000 or 67,000 to buy gas and groceries.
People go, "Huh?
Well, we'll just tighten our belt and we'll try to get by on about 5 grand a month."
Well, what happens when we have government spending?
And the government spending money right now that they don't have by like double to triple.
We have government racing taxes and printing money that causes inflation.
So, retirees get hurt on a fixed income because pretty soon 60 or 70 thousand only buys half
of what it used to.
In other words, you're going to need double that to buy the same gallons of gas, loaves
of bread, prescription, and golf green fees in about 7 to 10 years, because inflation
is going to be between 7 to 10 percent or more because of the printing of money.
So, what happens is we have inflation --cutting the purchasing power of your dollar in half.
Or in other words, the cost of living is doubling.
You're going to need twice as much money every 7 to 10 years.
And every time you pull out 100,000, you're only netting 60 or 70 thousand.
So, pretty soon you'll go, "Hmmm, I need 100,000 net".
In a 33% tax bracket, you have to pull out 150,000 pay tax of a third, 50 to net 100.
A million-dollar nest egg even if it's earning 10% will be gone, drain dry in 11 years.
So, I want to empower you on how you can take out $100,000 a year out of a million-dollar
nest egg and it's tax-free.
You're immune from that.
And if inflation goes to 10, you'll be earning 15.
So, you will actually be earning 150,000 on a million.
And this is using an instrument called the Laser Fund.
So, let's review this because this is what I call tax and inflation power curve.
Now, before I go into these dangers and the opportunities that you ought to seize, if
this is intriguing you, as I continue to educate you, be sure and share with a friend who needs
to hear this.
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And then at the end of this episode, I want to give you a free gift, a copy of my most
recent best-selling book.
It retails for 20 bucks but I'll pay for the book.
You just contribute an amount towards the shipping and handling, okay?
So, here's the 3 dangers: Rising taxes.
If you can't see the writing on the wall, taxes are going to be going through the roof
under the Biden administration we're seeing, income tax, capital gain taxes, estate and
inheritance taxes, corporate taxes, all kinds of tax, tax, tax, tax.
This will affect everyone.
I have episodes on this channel that prove that point.
So, we have taxes going up that erodes away people's purchasing powers of indicated.
We also have inflation because the government has been printing money like crazy.
And when you do that, that causes inflation.
And when they start charging corporations, 33% more in tax, that means that they're going
to have to raise the cost of goods and services and so forth.
Inflation is going to be very serious and probably double-digit in the very near future.
So, that's the second danger.
The third is market volatility.
Because when you print money and you raise taxes and especially, you hurt corporations,
all of a sudden, they have to lay off people.
We heading to a recession, the market starts to whipsaw and we have market volatility.
Those are the 3 biggest dangers that really hurt people in retirement to where they cannot
get predictable income.
This is why the financial services industry came out with a 4% rule.
Because of market volatility, they cannot assure people who have money in IRAs and 401ks
in the market, they will not outlive their money unless they only pay you out 4%.
That means on a million-dollar nest egg, they only want you to take out $40,000 a year?
How pathetic is that?
You pull out 40,000, you pay tax.
Even at 25%, 10,000, you're only netting 3% on your money.
Most of these money managers are charging 1% in fees on the million.
That's another 10,000.
If you took out taxes and fees, you're only netting 2% or 20 grand.
Even if you just say, "Well, I am netting 3%" Folks, my favorite instrument which I
call the Laser Fund, I've earned average rates of return of 9.62% for over 40 years.
How much more is 9 than 3?
Don't say 6.
It's 3 times as much money.
A million-dollar nest egg, I can get 90,000 a year of tax-free income.
Versus 30,000 of IRA, 401k net after-tax income.
300% more.
We eliminate these dangers.
How do we do this?
With these dangers of taxes, inflation, and market volatility; we eliminate these by using
max-funded indexed universal life insurance, here's why?
You have 3 great opportunities.
The Laser Fund, the max-funded indexed universal life allows you to accumulate your money totally
tax-free.
And when you take money out, you create income, it's tax-free.
You can learn why and how in the book that I am going to gift you.
You link your returns to the things that inflate.
I don't like inflation anymore than you do.
But it doesn't hurt me.
If inflation goes to 10, I earn 15.
If it goes to 15, I earn 20.
Back in the 180s, when inflation was double-digit at 10, I was earning 15.5% on my universal
life policies.
Folks, you link your returns to the things that inflate.
The goods and services that go up in price.
That's called indexing.
But when the market goes down, you don't lose which is the third thing is called indexing
for safety.
You participate when the market goes up.
You do not lose when the market goes down because your money is not at risk in the market.
It's safely tucked in an insurance company.
And you're allowing them to link your returns to an index by taking the interest on your
money and allocating that to an options budget.
And that's how they can afford to pay you 8%, 12%.
We've had clients earned as much as 25% and even 61.33% in one year.
From March of 2020 to March of 2021.
People actually locked in gains of 61.33% net using indexing, okay?
So, folks, the greatest is liquidity.
See, the Laser Fund, you have the ability to access your money with an electronic funds
transfer or phone call.
You have safety of principal so that when the markets go down, which they do, you don't
lose.
And in any year that you make money, that becomes newly protected principal.
I don't want to lose money that I've made in the past in the future when the market
goes down.
Most advisors don't know how to do that.
And then you want to earn a predictable rate of return in that.
You know, 6, 7, 8, 9, 10 percent range tax-free.
Some years, you'll earn way more than that.
But on the average, I have episodes on this very channel that show actual statements from
clients, numerous ones where they averaged over 10%.
Now, I can't guarantee that but it's been the actual results because of indexing and
rebalancing.
And you can learn what that is in those episodes.
This is liquidity, safety, rate of return.
It's spells and acronym LSRR.
And so, I just created an extended acronym, Liquid Assets Safely Earning Returns.
That's why I call my favorite vehicle the Laser Fund.
So, how can you learn more about this and empower yourself?
I'll show you how you can claim your free copy.
I've been so blessed to have written 11 books.
Actually, a 12th book is about to be released.
But book number 11 has been flying off of our warehouse shelves.
It's our 8th printing.
Third edition.
It's called the Laser Fund.
I'm sending out about a thousand of these a week.
Now, it's actually 2 books in one, 300 pages.
But 200 pages is for the left-brain thinker, learner.
This has all kinds of charts and graphs and explanations.
But if you learn better by stories, you flip in over and read this one.
This is 100 pages, 12 chapters with all kinds of stories and examples of people who have
eliminated the dangers of taxes, inflation, and market volatility by doing what?
--Switching to tax-free in the Laser Fund and being able to have safety of principal.
And when the markets whipsaw, you don't lose and you are able to have liquidity, safety,
and predictable rates of return.
Those are the 4 pillars that are on this book.
This is the L, liquidity, safety, rate of return and tax benefits.
And we actually score investments on a scale of 1 to 10.
The Laser Fund scores between 32 and 35.
Nothing else comes close to it.
Most places where people have their money only score about 18 to 22 points out of a
possible 40.
You'll understand that scoring system when you read this book.
So, go to Laser Fund, LASER.fund.com.
Click on the link.
And you contribute a nominal amount towards the shipping and handling and I'll cover the
rest of that.
And I'll pay for the book and fire out a copy to you.
There's options there if you like to listen and learn and watch and learn.
And then I can point you to a financial specialist to understand how to develop and design this
correctly and fund it properly to benefit you the most.
To be able to create and diversify.
And have that foundation for a tax-free retirement.