Discover how strategic tax planning and modern life insurance design can fortify your retirement. Doug Andrew and team demystify the “seed vs harvest” tax choice and show how a properly structured IUL (LASER Fund) turns compounding into tax-free income. Learn how TEFRA/DEFRA/TAMRA and Section 7702 enable efficient designs that protect growth and legacy.

Uncover how smart policy loans keep money compounding, why indexed loans can create positive arbitrage, and how to avoid the tax drag that drains IRAs and 401(k)s.

Now that you see the cost of harvest-taxed savings, this episode reveals:

- The Rule of 72 and “93 million miles” compounding advantage

- No-vacancy funding to maximize cash value and reduce costs

- How 7702’s update made compliant IULs more efficient than ever

Whether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your retirement.

Timestamps:

00:00:00 — Optimize assets, minimize taxes, master tax-free retirement strategies

00:02:23 — Seed vs harvest: Why deferring taxes backfires in retirement

00:06:17 — TEFRA, DEFRA, TAMRA: Rules that unlock IUL tax advantages

00:08:58 — “No vacancy” funding: Fill your LASER Fund to the max

00:12:43 — Loans vs withdrawals: Keep compounding and tap cash tax-free

00:16:20 — Ready for a plan? How to implement a LASER Fund

00:18:19 — Compound interest power: Why small rates become big outcomes

00:22:08 — 93 million miles: The fold that doubles your future

00:27:58 — Rule of 72: Time, rate, and your doubling schedule

00:29:34 — Tax drag showdown: Tax-free vs taxed-as-earned vs deferred

00:31:20 — Retirement math: Why IRAs often run dry in 11 years

00:32:59 — Final takeaways: Stay tax-free, keep compounding, protect legacy

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