Chapter 1: 401(k)s Fall Short 0:00 IRA and 401k accounts will not cut it. 0:03 3 seconds Here’s the most latest stats I’m going to give you. I think it’s going to shock you. 0:12 12 seconds [music] 0:20 20 seconds So, I’m Doug Andrew and I’ve been a financial strategist and retirement planning specialist now for north of five decades, helping thousands of Americans prepare for a comfortable 0:29 29 seconds retirement. So, let’s get into these recent stats. And they were uh just reported here in 2026 from the 0:37 37 seconds Society of Actuaries and the 2024 mortality tables, which don’t come out in 2024, but uh they come out a year or 0:44 44 seconds two later. And then the Social Security uh period of life tables are updated. 0:50 50 seconds And uh then it shows the individual outcomes vary. So, here’s four shocking statistics that many Americans probably 0:59 59 seconds are not prepared uh to handle. One in four Americans today will live to age 90 1:06 1 minute, 6 seconds or longer. Okay? In fact, people living to age 100 are the fastest growing segment of American society today. Did 1:14 1 minute, 14 seconds you know that? So, among 65 year olds today, a one in four will live uh past age 90. For a married couple, the odds 1:23 1 minute, 23 seconds are nearly 5050 that one spouse reaches age 90. Well, okay. Now, think about 1:30 1 minute, 30 seconds that. Here’s the next statistic. 35 years. That is the potential retirement Chapter 2: 35-Year Retirement 1:36 1 minute, 36 seconds span. Okay. A couple retiring at age 62, where one spouse lives to age 97, faces 1:44 1 minute, 44 seconds a 35-year income requirement, the full length of many careers. Did you know uh back when social security was introduced 1:53 1 minute, 53 seconds the average retiree uh when they retired okay it used to be that people didn’t retire retirement is put out of use but uh when they retired 2:01 2 minutes, 1 second worn out equipment at the factories they said oh let’s retire worn out people the life expectancy was only 7 years. 2:10 2 minutes, 10 seconds Now we’re seeing people live 35 years. 2:14 2 minutes, 14 seconds [music] Uh is your retirement plan able to handle that? Uh probably not. Next plus eight years. The life expectancy 2:23 2 minutes, 23 seconds gain since 1970 has increased uh eight years. So Americans live nearly a decade 2:29 2 minutes, 29 seconds longer than the generation that built the foundational rules of retirement income planning. Okay. The last 2:37 2 minutes, 37 seconds statistic is 89. What’s that? That’s the median age for a female survivor. For married couples, the surviving spouse, 2:45 2 minutes, 45 seconds most often a woman, faces the most financially vulnerable years in retirement all alone. 2:54 2 minutes, 54 seconds Now, just digest those four recently released statistics here in 2026. What does that mean? Okay, the traditional 3:02 3 minutes, 2 seconds method to save for retirement in IRA and 401ks uh invested in a volatile market is not Chapter 3: The $1M Trap 3:11 3 minutes, 11 seconds going to cut it. In fact, even before 2026, many people who left their money in IRA or 401ks were out of money by age 3:19 3 minutes, 19 seconds 76. Okay? Why? [music] Well, it’s because even if they accumulated a million dollar nest egg, and uh even if 3:28 3 minutes, 28 seconds they were earning 10% uh rate of return, [music] uh 10% on a million is is is $100,000 3:36 3 minutes, 36 seconds that you could theoretically pull out of your million-doll nest egg and not deplete the principle, right? Well, no. 3:41 3 minutes, 41 seconds When people retire because of inflation and because of taxes, maybe they thought 3:49 3 minutes, 49 seconds 15 years earlier that they could get by on 50,000 a year of income, but in the last 15 years, inflation has doubled the 3:57 3 minutes, 57 seconds cost of living easily. So now they need $100,000 net after tax to buy the same gallons of 4:05 4 minutes, 5 seconds gas and loaves of bread that 50,000 bought, you know, 15 years ago or even 10 years ago. Okay? [music] So if you 4:12 4 minutes, 12 seconds need a h 100,000 net uh to buy gas, groceries, prescriptions, and golf green fees after paying tax, most retirees are in a 25 to 33% tax bracket. Okay? 4:24 4 minutes, 24 seconds [music] Now, most savers end up being in a a 33% bracket um sooner or later uh 4:32 4 minutes, 32 seconds because you have a federal tax and and 30, excuse me, 41 out of 50 states has a state income tax. And so, uh if you are 4:39 4 minutes, 39 seconds in a 33% bracket, that means you have to pull out 50% more money. Are you getting 4:45 4 minutes, 45 seconds it? See, you have to pull out 150,000, pay tax of a third, 50,000, to net a h 4:53 4 minutes, 53 seconds 100,000 to buy gas and groceries. Uh if you had to pull out 150 grand, even if you’re earning 10%, that million-doll 5:01 5 minutes, 1 second nest egg will be gone, drained dry in 11 years at age 76. Now, what I’m about to show you is if you you used my preferred Chapter 4: Tax-Free Income 5:10 5 minutes, 10 seconds vehicle and I a laser fund, you pull out only $100,000 a year tax-free to net 5:17 5 minutes, 17 seconds 100,000 because it’s taxree. Uh and so it keeps going. Uh in other words, when most Americans with IAS or 401ks outlive 5:25 5 minutes, 25 seconds their money by age 76, uh you still have your million-doll nest egg. In fact, it’s it’s grown in spite of you pulling out 10% a year. Uh for many of our 5:34 5 minutes, 34 seconds clients, they have been earning uh slightly higher than than 10%. And so uh you still have your million. You could 5:41 5 minutes, 41 seconds still pull out $100,000 a year for another 20 years uh to age 96 uh for your surviving spouse, let’s say. Okay, that’s a that’s an extra $2 million. 5:54 5 minutes, 54 seconds Okay. Uh and you still have your million. That’s a $3 million better retirement strategy uh than keeping your 6:01 6 minutes, 1 second money in IAS and 401ks and uh running out at age 76, 11 years into retirement 6:08 6 minutes, 8 seconds and then what? Having to rely on social security, charity, welfare, or your children for support. Is that what you 6:16 6 minutes, 16 seconds want? Is that what you save for? Well, that’s what’s going to happen to most Americans who are following the herd. We Chapter 5: Three Retirement Dangers 6:24 6 minutes, 24 seconds have to wake up. We have to rethink our thinking. So, what are the biggest dangers that cause most retirees to 6:31 6 minutes, 31 seconds outlive their money? I’ve already already sort of alluded to these. The first danger is taxes. And I’m here to tell you taxes are not going down 6:39 6 minutes, 39 seconds because of irresponsible government spending. Okay? Most Americans agree that taxes in the future will likely be 6:46 6 minutes, 46 seconds higher. So, uh, do you want to continue to postpone, defer, uh, procrastinate, uh, paying tax on those IAS or 401ks to 6:54 6 minutes, 54 seconds some future perceived unknown advantage and then withdraw your money later down the road when most Americans agree the taxes in the future will likely be 7:01 7 minutes, 1 second higher? No, that doesn’t make sense. You You should get the taxes over and done with sooner than later. This is why I’ve 7:09 7 minutes, 9 seconds never owned an IRA or 401k and never will, but I’ve never owned a Roth. Some people say, “Oh, maybe maybe a Wroth is better.” Yeah, Roth is a step in the 7:16 7 minutes, 16 seconds right direction. But I’ve never owned a Wroth uh because there’s still still too many strings attached. You can only put in a certain dollar amount, 7,500 a year 7:25 7 minutes, 25 seconds right now. Okay? Uh or a certain percent of your income. Uh if you can’t touch the the the growth on that money for 7:32 7 minutes, 32 seconds five years, only the principal. Uh or you have to wait till you’re age 59 and a half. Uh but usually Roths are invested in a volatile stock market and 7:40 7 minutes, 40 seconds so you can lose when the market goes down like many people do. Do you want to wait and time the market when you access money and hold off uh waiting for the 7:48 7 minutes, 48 seconds market to bounce back? I don’t have to worry about that with an IU laser fund because I don’t lose when the market goes down and I make money uh as soon as 7:56 7 minutes, 56 seconds it turns around without losing when it goes down. Okay? That’s called indexing which you can learn about in my book. 8:02 8 minutes, 2 seconds Okay? And so I’m immune from taxes because my vehicle is totally taxree in the Internal Revenue Code. You can learn 8:09 8 minutes, 9 seconds in my book, your money accumulates tax-free and it’s been that way for over 120 years in the Internal Revenue Code 8:16 8 minutes, 16 seconds under section 72E. You can access that money anytime, even before the age of 59 and a half tax-free under section 7702. 8:24 8 minutes, 24 seconds And when you ultimately die, anything left there blossoms and transfers taxree under section 1018. I’ve taught advanced continuing education to CPAs and tax 8:33 8 minutes, 33 seconds attorneys for years and I always ask them, “Show me any other vehicle that does that in the Internal Revenue Code.” They’ve yet to show me any other financial instrument that does that. 8:43 8 minutes, 43 seconds Now, the second danger is inflation, which I’ve alluded to. [music] You have to have a strategy or a financial 8:49 8 minutes, 49 seconds vehicle that uh outpaces inflation. You have to link your returns to the things that inflate. I don’t like inflation any 8:57 8 minutes, 57 seconds more than anybody, but it doesn’t hurt me. that helps me. If inflation goes to five, I I usually earn 10. If inflation 9:04 9 minutes, 4 seconds goes to 10, I usually earn 15 because I link my returns to the things that inflate. Okay. Uh number three is market 9:11 9 minutes, 11 seconds volatility. And this is why many retirees um in the year 2000 either had to put off retirement 7 years till 2008 9:19 9 minutes, 19 seconds and then they had to put off retirement another 5 years. Is that what you want to do is put off retirement 7 or 12 years because the market is going down? 9:28 9 minutes, 28 seconds No. Well, this is what causes many people to outlive their money is having to time the market. No, Wall Street was 9:35 9 minutes, 35 seconds not designed to create predictable income. You can’t have your money at risk in the market and thinking by 9:42 9 minutes, 42 seconds postponing paying tax. You’re saving tax. No, you’re not. You’re compounding the tax. So, what I’ve been doing for uh 9:49 9 minutes, 49 seconds now over five decades is helping many many Americans [music] uh eliminate these dangers, making them immune from taxes, inflation, and market volatility. Chapter 6: Three Better Moves 9:58 9 minutes, 58 seconds Now, you may ask how. Okay, you’ll read in my book that I want to gift you uh by seizing three opportunities. Okay, 10:05 10 minutes, 5 seconds [music] the first is to convert uh to tax-free vehicles. My favorite by far is a properly structured maxf funed IL. And 10:14 10 minutes, 14 seconds uh it’s totally taxree. It’s been that way for over 120 years in the Internal Revenue Code. Now, I recommend maybe not a 100% of your money be taxfree, even 10:23 10 minutes, 23 seconds though I have some clients that that choose that, but I would recommend that 40 to 60% of your retirement income 10:30 10 minutes, 30 seconds should not even show up on the front page of your 1040 tax return. The IRS will know you’re receiving that money, and they know everything, but it’s not 10:37 10 minutes, 37 seconds even worth auditing because it’s been tax-free for over a century. Okay. 10:43 10 minutes, 43 seconds Number two is you link your returns to the things that inflate, like I just mentioned. Okay. So when uh inflation hit double digits back in the 80s when 10:52 10 minutes, 52 seconds it hit double digits during co 19 uh I was able to earn rates of return 5% or higher than the inflation rate and 11:00 11 minutes during co 19 when inflation hit double digits many of our clients locked in gains that year of 61.33% 11:07 11 minutes, 7 seconds taxree okay and I don’t have to worry about inflation or taxes because mine’s taxree and it’s in inflation proof so to speak 11:16 11 minutes, 16 seconds Okay. Uh uh it doesn’t eliminate inflation. It’s just I outpace it. Okay. 11:21 11 minutes, 21 seconds And the third opportunity is to use indexing. I’m not talking about an index mutual fund. You would have lost up to 40% twice if you had your money in an 11:30 11 minutes, 30 seconds S&P 500 index fund during the Great Recession. Okay? Now, our clients didn’t lose during that period. Many of them doubled or tripled their money. Indexing 11:39 11 minutes, 39 seconds is a strategy where uh your money is linked to the market, but your money is not at risk in the market. So then when the market crashes, which it does, you 11:47 11 minutes, 47 seconds know, 30% of of the years in a 10-year period, there’s usually three years the market goes down. The other seven years the market is up. But you don’t lose 11:56 11 minutes, 56 seconds when the market goes down. You may not make anything, but you don’t lose. And if you eliminate those loss years, you only need 25% of the upside gain years 12:05 12 minutes, 5 seconds to actually outperform the market where people lose money. That was a study done by Cresmont. Well, I’ve done better than 12:13 12 minutes, 13 seconds that. So, you make money when the market goes up, but you don’t lose when it goes down. That’s indexing. It would behoove you to study this or you’re going to Chapter 7: Liquidity and Safety 12:20 12 minutes, 20 seconds kick yourself. You’re missing out. Those are three opportunities that eliminate those three dangers. Um, wouldn’t you 12:28 12 minutes, 28 seconds want to study how to do that? Well, that’s why I want you to study the mechanics in my book I want to gift you here in just a moment. Now, uh, why is 12:37 12 minutes, 37 seconds this my favorite vehicle? Here’s why. Uh there the the key elements of a prudent 12:43 12 minutes, 43 seconds investment are uh number one uh you you want to have liquidity the ability to access your money when you need it. Uh 12:52 12 minutes, 52 seconds money in IAS and 401ks uh that’s not liquid. In other words, could can you access the money? Yeah, but you’re going to trigger tax and and a 10% penalty if if you’re under age 59 and a half. 13:02 13 minutes, 2 seconds That’s not liquidity. Okay. In my laser fund, I can access money with an electronic funds transfer phone call anytime before age 59 and a half. uh 13:10 13 minutes, 10 seconds without triggering any tax or penalty. I want liquidity, the ability to access my money. [music] Uh number two, I have safety of principle like I’ve mentioned. 13:19 13 minutes, 19 seconds Uh when I have a million dollars in there and the market crashes and drops 20, 30, 40%, I can sleep because I don’t lose. I may not make anything that year, 13:28 13 minutes, 28 seconds but I don’t lose. And Will Rogers once said, people get more concerned about the return of their money instead of the return on their money when things go down. Okay? 13:37 13 minutes, 37 seconds uh and when the market goes up, I get to participate when the market goes up and uh I have earned way more than 25% of 13:45 13 minutes, 45 seconds the upside gain in order to outperform uh the actual market. I’ve done that for decades. Okay? So, you have safety of 13:52 13 minutes, 52 seconds principle, but in a year that I make money uh that becomes newly protected principle. Most financial adviserss don’t know how to protect the money. I 14:01 14 minutes, 1 second don’t want to lose in future years money I made in previous years. That’s safety of principle. Now, the third strength of an IL laser fund is it’s totally 14:08 14 minutes, 8 seconds tax-free. And uh I would prefer to have none of my retirement income show up on the front page of my 1040 tax return. Uh 14:18 14 minutes, 18 seconds but at least 40 to 60% of your retirement income. I’ve had many retirees that uh they were going to have 14:25 14 minutes, 25 seconds maybe 160,000 or 200,000 a year of income come out of their IRA or 401k portfolio that’s worth 2 or 3 million 14:33 14 minutes, 33 seconds bucks. and it’s all showing up on the front page of their 1040 tax return. 14:36 14 minutes, 36 seconds [music] In 5 years, I was able to get uh 60% of that off of their 1040 tax return. They still have over 200,000 a 14:44 14 minutes, 44 seconds year of income, but now they only pay tax on 80,000 instead of 200,000. We save them 32,000 or more every year the 14:52 14 minutes, 52 seconds rest of their lives, over a million bucks over their lifetime in unnecessary tax. Now, [clears throat] I’m confident 14:59 14 minutes, 59 seconds I can probably do that for you, too. So here’s uh what I recommend uh if you want to learn uh the mechanics of this 15:07 15 minutes, 7 seconds and uh what I’ve been referring to a strategic roll out and uh people are living longer okay and uh if they keep Chapter 8: The LASER Fund 15:15 15 minutes, 15 seconds following the herd putting money in IAS or 401ks they will outlive their money you’ve got to do something better you’ve 15:24 15 minutes, 24 seconds got to rethink your thinking because of these recent statistics I just mentioned so I would recommend you study uh my most recent bestseller ing book. Uh, 15:32 15 minutes, 32 seconds it’s been flying off of our warehouse shelves. It’s called the laser fund. How to diversify and create the foundation for a taxfree retirement. Okay, this is 15:41 15 minutes, 41 seconds actually two books in one. Uh, if you’re a leftbrain learner, you like the charts and graphs and the numbers and so forth, uh, you’re analytical, uh, you can read 15:50 15 minutes, 50 seconds this white side. It’s about 200 pages, 14 chapters. If you’re more of a rightbrain learner, you learn more by the stories. You can flip it over to the 15:57 15 minutes, 57 seconds orange one. This is about a 100 pages, 12 chapters with 62 actual client stories about how we have helped many 16:05 16 minutes, 5 seconds people not outlive their money by using a property structure maxf funed I laser fund. Okay, if you want to use your right brain and your left brain, you can 16:12 16 minutes, 12 seconds you can use your whole brain. Okay, but uh you simply go to laserfund.com or click on the link below. You contribute a nominal amount towards the shipping 16:20 16 minutes, 20 seconds and handling. I require a little skin in the game. I’ll cover the rest of that cost and I’ll pay for the book. I will fire out a hard copy to you via priority 16:29 16 minutes, 29 seconds mail. Now, while you’re claiming your free copy, uh if you like to listen and learn or watch and learn, there’s also those educational formats available for 16:37 16 minutes, 37 seconds a nominal investment. Uh you can schedule to attend a free educational webinar that we do every week. No, no cost, no obligation. You can even 16:46 16 minutes, 46 seconds schedule an appointment to talk to an IL professional that I’ve trained, that I oversee, and they will uh create illustrations for you on how a property 16:54 16 minutes, 54 seconds structured maxf funed IL may work in your particular set of circumstances and uh how you could do a strategic roll 17:01 17 minutes, 1 second out, not a rollover, from your IAS or 401ks and get the taxes over and done with sooner than later and reposition it 17:09 17 minutes, 9 seconds into a plan where you will not outlive your money. And you’re going to be shocked. You may end up with double, 17:16 17 minutes, 16 seconds triple, or quadruple the net spendable income over what you’re currently headed for with your money and your IAS and 401ks. [music] So, this is not about me. 17:26 17 minutes, 26 seconds This is about you and your brighter future. Claim your free copy now. I’ll see you on the other side of your brighter future and your golden years.
The No. 1 concern for most retirees is outliving their money.
You can turn the three biggest dangers into your three great opportunities with properly structured, maximum-funded Indexed Universal Life insurance, or what I call an IUL LASER Fund.
