The LASER Fund: How to Diversify and Create the Foundation for a Tax-Free Retirement

How to Diversify and Create the Foundation for a TAX-FREE RETIREMENT. It’s been called a miracle, a game-changer, a lifesaver. It can provide unparalleled liquidity, safety, predictable rates of return, and tax advantages. It enables tax-free retirement income. And it makes income tax-free wealth transfer possible. This is NOT your average, run-of-the-mill financial book. It will not contain conventional advice about traditional retirement vehicles like 401(k)s and IRAs. Instead, you'll learn strategies to: - Reduce taxes legally (and permanently), increasing your Internal Rate of Return so you keep more of your gains - Lock in market gains year after year without taking any additional risk ​​- Multiply income, so even a catastrophic loss of capital in the stock market never affects your current or future standard of living AND: ​- Create lasting income and freedom only the wealthy enjoy THIS COULD BE YOUR BEST RETIREMENT VEHICLE … WHY IS IT TAX-FREE? What if you could use a retirement vehicle that freed you from the tax trap millions of Americans are in with their 401(k)s and IRAs? What if you could contribute after-tax dollars? What if your money could grow, or accumulate, tax-free? What if you could take money out for retirement, for your kids’ education, for business investments, or more―without early withdrawal penalties, completely tax-free? And when your time comes, what if your money could blossom in value and transfer to your heirs income tax-free? For over 45 years I’ve been dedicated to helping people minimize taxes and empower their financial futures. In that time I’ve learned how to utilize sections of the Internal Revenue Code―sections that have been around for over 100 years―to empower Americans to do all of the above. Technically, this financial vehicle is simply a properly structured max-funded tax-advantaged insurance policy. As you’ve probably heard, I call it The LASER Fund. The term is based on the LASER acronym I use that stands for “liquid assets safely earning returns.” These terms are significant, because when you’re looking for strong financial vehicles, you want those that score well on the LASER Test, meeting as much of the criteria as possible for: Liquidity – Liquidity is the ability to access your money when you need it―ideally, with an electronic funds transfer or a phone call. Safety – Safety refers to the safety of the institution your money is with, as well as the safety of your principal. Think of post-9/11 and the Great Recession―when the markets tanked, millions of Americans lost up to 40% of their money in traditional retirement vehicles, twice. With the latest market volatility stemming from the pandemic and an anticipated recession or depression on the way, we could see disastrous market losses again. Through strategies like indexing, your money could be protected from market losses. Whatever you set aside, and whatever you gain, you don’t want to lose. You want it to become newly protected principal. (Most advisors have no clue how to help their clients do this.) Rates of return that are predictable – While there are few guarantees when it comes to rates of return, ideally you want historically predictable rates of return, and if possible a 0% floor to protect you when the markets head south. Tax advantages – Uncle Sam can take a serious toll on your financial future, so ultimately you want to use financial vehicles that can minimize taxes and help you get the most out of your hard-earned money.

Doug Andrew established his financial practice in 1974 and quickly established a reputation as a trusted and passionate financial strategist. In 1982, Doug and his wife Sharee experienced a “defining moment” that changed their lives forever. They went from a six-figure income and owning their dream home, to financially losing their house and starting over again. This experience changed the way Doug and Sharee not only handled their own finances, but also the advice Doug gave to his clients. He no longer took all traditional financial advice as fact―he adamantly refused to “follow the crowd” with his money, just because everyone else was doing it. Instead he delved into extensive research to uncover sound financial principles and tools, what he now calls “The Swing and the Clubs”. This search led Doug to develop his unique and powerful financial philosophy of liquidity, safety, and rate of return. He teaches that financial liquidity (having access to your money when you need it) is paramount to surviving the storms of life. He contends that safety of principal (avoiding loss of financial principal due to market volatility) is absolutely necessary, no matter how undervalued it may be by “the crowd” of financial advisors. Doug is a New York Times and Wall Street Journal Best Selling Author. Doug wrote his original book, Missed Fortune and was quickly thrust on to the national stage with his Missed Fortune book series. This successful series includes Missed Fortune 101 (business best-seller), The Last Chance Millionaire (New York Times best-seller and Wall Street Journal #1), and Millionaire by Thirty (written with his two sons Emron and Aaron). He has since written Entitlement Abolition which focuses on helping families and businesses balance what Doug calls all 3 Dimensions of Authentic Wealth. Doug’s latest and best selling book The LASER Fund has quickly become the go-to-guide on max-funded universal life insurance contracts for both financial professionals and the general public alike. Not only has Doug become a pioneer in the field of max-funded, tax-advantaged insurance (The LASER Fund) he has become a nationally recognized consumer advocate for the benefits of utilizing and understanding max-funded insurance contracts. In 40 plus years of working with some of the nations wealthiest, Doug noticed some concerning symptoms. Families who were adept at accruing financial wealth were often bankrupt in other areas of life. Otherwise well-meaning parents were dumping vast stores of fish in their children’s laps, without teaching them How to fish. Others were allowing their children to crack the nest egg early, leaving everyone with less in the years they would need it most. The diagnosis: entitlement. The remedy: entitlement abolition. Through Doug’s multi-faceted prescription, he has helped families achieve greater balance with the Three Dimensions of Authentic Wealth. He has assisted them in establishing a Legacy Bank where they can deposit and distribute KASH (Knowledge, Attitudes, Skills and Habits). He has taught families to thrive through greater responsibility, accountability and ownership; he has empowered families and even workgroups to be united rather than divided; and he has helped people cultivate abundance not just today, but for generations to come. As a continual learner, Doug Andrew currently collaborates with some of the top entrepreneurial think tanks in the country.