Unlock the new 2021 L.A.S.E.R. fund advantage and future-proof your finances. Doug Andrew’s crew unpacks the three dimensions of Authentic Wealth, showing how a max-funded Indexed Universal Life (IUL) harnesses tax-free growth, a zero-percent floor, and Congress-proof grandfathering.

Feel the relief of compounding without IRS erosion, lower internal costs, and smarter indexing that captures upside—never downturns.

Now that you see the stakes, this episode reveals:

- The 33 % fee cut hidden in 2021’s 7702 revision

- How a policy audit grades your “bucket proficiency” in minutes

- Why the average earner surrenders $575k to taxes—and how to avoid it

Whether you want secure retirement income, tax diversification, or a dependable legacy, these insights show why the L.A.S.E.R. Fund framework can transform your future.

Timestamps:

00:00:00 - Introduction

00:02:06 - Will Congress strip life-insurance perks?

00:05:12 - 2021 rule slashes IUL fees 33 %—why timing matters now

00:10:29 - Cash value equals death benefit in 10 years: see the math

00:14:23 - Shocking lifetime tax bill

00:20:24 - Tax-free compounding: why 40–60 % of income should vanish from 1040s

00:24:34 - Case study: perfect vs. broken IUL—fees, growth, policy death spiral

00:32:00 - Audit tool demo

00:36:30 - Sleep-better wealth strategy

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