Your IUL Strategy: One-Year
or Multi-Year Indexes?
pg. 28
The Big Mistake When
Saving for College
pg. 8
Read This Before Planning
Your Next Vacay
pg. 18
The No. 1 Value to Instill in Kids
pg. 16
The Stories That
MUST Be Told
Don’t Let Them Fade Away
pg. 4
LIVING
SUMMER 2025
about the magazine
3 Dimensional Wealth Living delivers essentials for leading, protecting, and uniting your family. We invite you to share in these insights,
many of which are penned by Doug, Emron, and Aaron Andrew, who are Indexed Universal Life experts, financial strategists, best selling
authors, and YouTube influencers dedicated to helping families create a lasting legacy in all 3 Dimensions of Authentic Wealth.
our team
Doug Andrew
Emron Andrew
Aaron Andrew
Sharee Andrew
contributor
contributor
contributor
contributor
Bud Heaton
™designs
Momentum Communications
editor in chief
essence designer
editor
Summer 2025 Issue | Stock Images: shutterstock.com | 3DimensionalWealth.com | Copyright 2025
by doug andrew
Stories to Share
4 Build your family’s legacy through the power of storytelling
The IUL LASER Fund is a proprietary term used in this magazine as a way to describe a properly structured, maximum-funded Indexed Universal Life (IUL) policy. With any men-
tion of IUL LASER Funds, properly structured, maximum-funded IUL policies, or related financial vehicle terms, let it be noted that any life insurance policy is not an investment
and, accordingly, should not be purchased as an investment. IUL policies have cash value that grows tax-deferred and can be accessed tax-free via loans to be used in many
ways, such as supplemental retirement income.
Contents
summer 25
18
20
for your finances
Avoid a College Savings Meltdown
Why a 529 College Savings Plan isn’t your best option
12
My IUL Story
They set money aside in IULs, and now
their son’s dreams are taking off
24
Trending on YouTube
Discover what the crowd gets wrong about IUL — and how
getting it right can propel your financial future
26
IUL Performance Watch
Compare some of the most popular indexes
28
Index Insights
Are one-year or multi-year strategies best for you?
for you & your family
14
Let’s Eat
Get Sharee’s recipe for can’t-resist Fried Rice
16
Kids & Values
Explore the most important value
you can teach your kids
18
From London to Park City
Wherever you go, make every getaway count
20
Grandparents: Do THIS With Your Grandkids
From fun to unforgettable,
make this your new tradition
22
Tool Spotlight
Doug shows you how to use the Grandparents’
Camp Planner for the best get-together ever
for your business
30
Turning Blue
Lean into what Doug calls “Blue Days” to refuel
for even more business success
for your 3 dimensional wealth
BACK COVER | Join the Community
Discover the membership that can change your family’s lives
s 4
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Sherm and I decided we needed to do something
to help, so we instituted Friday lunches,
dedicated time that ended up lifting his spirits
(and ours).
In anticipation of spending the day with his two
boys, he would greet us when we arrived on
the appointed morning, dressed in his white
cardigan sweater, ready to go. He was even
motivated to use a walker and lock his knees with
each step so he could be under his own power.
Creating Life Sketches
We had some unforgettable experiences chatting,
reminiscing, and eventually asking questions that
led to hearing stories we’d never known before.
I realized that these were golden moments
we needed to archive. My wife, Sharee, and I
took my dad to Hawaii to dedicate some time
away in a beautiful setting to gather more of
his experiences. We divided his life into seven
different categories, including early childhood,
courting years, professional life, etc.
We interviewed him both on camera and on tape
and eventually compiled a 130-page life history
for the family, titled “Glenn Andrew, A Man of
Steel,” because he was a superintendent at US Steel
Geneva Works during his career.
It’s been so powerful for our kids and grandkids
(some of whom never met him) to hear his voice,
watch him speak, and read his stories.
My experiences with my dad also became the
spark for an exercise I’ve often shared with our 3
Dimensional Wealth audience: I Remember When
stories.
Sharing Life Stories
I Remember When stories can become one of your
family’s favorite go-to activities. The concept is
simple: Have family members capture memorable
experiences — they can be uplifting, funny (even
embarrassing), life-defining, etc. — and share
them when you’re all together.
Whether it’s around the holiday dinner table, a
casual Sunday get-together, or at Grandparents’
Camp (learn more about this exciting concept on
pg. 20), setting aside time for I Remember When
stories can bring you closer.
The Stories You Should Be Telling
Bring Your Family Closer in All the Right Ways
I’ll never forget the time when hanging out with our aging father became a
regular thing for my brother, Sherm, and me.
It was a while after my mother passed away, and my dad was experiencing
severe loneliness. He had suffered setbacks from falls and surgeries and
unfortunately spent more time than average in bed.
STOCK IMAGE: shutterstock.com
BY DOUG ANDREW
s 6
In addition to telling these stories, you also want
to write them down and/or record them, then add
them to your family’s Legacy Bank.
Making Deposits & Withdrawals
In my book, “Entitlement Abolition,” I explain that
the Legacy Bank is a literal and virtual repository
for all of your cash, as well as your KASH. KASH
is an acronym that stands for Knowledge,
Attitudes, Skills, and Habits — the values that
empower your family to use your resources with
accountability and responsibility.
As you establish your Legacy Bank, you are
essentially making Financial, Intellectual, and
Foundational “deposits” that your family can
“withdraw” into perpetuity.
So when it comes to your Foundational
Dimension, making life story deposits can become
invaluable for future generations. To do this,
you can save the digital files in a shared cloud
drive and/or print the hard-copy documents and
compile them in three-ring binders. Then plan
time for the family to regularly return to these
stories and reinforce the memories and lessons
within them.
s 7
STOCK IMAGE: shutterstock.com
Capture your family stories with the same tools we
use with our own families. Begin your journey — join
the 3 Dimensional Wealth Community to
access the Complete Toolbox today!
Scan the QR code or click here.
Make It Easy
We’ve developed two 3 Dimensional Wealth tools
that can help you do this: The Life Sketch Guide and
I Remember When.
The Life Sketch Guide walks you through six steps
that can help you gather meaningful life histories
from grandparents, parents, and other important
people in your family’s life.
The I Remember When tool helps jog your memory
in eight categories of experiences, making it easy
to jot down a story that you can share with your
family.
Looking at my own family’s experiences, I can
testify to the power of storytelling in bringing your
loved ones together.
To this day, we’ll be sitting around a Sunday get-
together, and my grandkids will pipe up, “Grandpa,
tell us again about the time you got kicked out of
the flint and steel fire-starting contest for using
gasoline!” or “Go back to the one about you stealing
100 brownies from the freezer!”
It doesn’t take great heroics or achievements
— stories of everyday struggles, joys, and even
light-hearted childhood mischief can enrich your
children and grandchildren’s lives. I encourage
you to bring your family closer through personal
stories, compounding the KASH your family so
greatly deserves.
It doesn’t take great heroics or achievements — stories of everyday struggles,
joys, and even light-hearted childhood mischief can enrich your family’s lives.
s 8
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Saving for School?
A CLOSER LOOK AT 529 PLANS
That happened to far too many Americans earlier
this year who have followed the crowd and used 529
plans for school savings.
In March, “Forbes” published an article, “After
the Market Drop: How to Protect Your 529 College
Savings,” where it pointed out, “If your 529 plan
is the cornerstone of your education funding
strategy, you may be worried….With over 16.8
million accounts according to the College Savings
Plans Network, 529 savings plans are currently
the most popular college savings vehicle. Given
over a half trillion in the plans, this recent market
crash demands a thoughtful response. Unlike
retirement accounts, where many families can wait
out a market downturn, college savings plans are
typically bound by a timeline of 18 years or less.”
Account value loss due to market volatility is just
one of the disadvantages of a 529 plan. While they
do have some benefits, like tax-free growth and tax-
free withdrawals for qualified education expenses,
529 plans also have serious strings attached.
THE DOWNSIDES
For you, 529 plans have annual contribution limits
and a potential gift tax if you contribute more than
the exclusion limit. For the student, there are even
more drawbacks.
Going back to our example, let’s say Olivia excels
in sports or academics (or both!) and earns
scholarships that cover tuition, fees, books, and
housing. Now she doesn’t need the 529 plan for
school.
So you think, “No worries, she can use the money
after school for a downpayment on her first home,
or to start a business.”
But there are some worries.
Imagine your child or grandchild (we’ll call her Olivia), has just graduated from
high school and is heading to college in a few months. You’ve set aside a hefty sum in a
529 College Savings Plan for her education, and you feel calm about covering tuition,
fees, books, housing, etc. for the next four to five years of her life.
Then the market drops — a lot. Because 529 plans are typically invested in the market,
you watch as the balance on Olivia’s 529 plan nosedives right along with the market.
You worry that the money might run out before she’s done with school, especially since
she got accepted into a top-tier (read: very expensive) university.
STOCK IMAGE: shutterstock.com
DON’T FOLLOW THE CROWD — DO THIS INSTEAD
STOCK IMAGE: shutterstock.com
“If your 529 plan is the
cornerstone of your education
funding strategy, you may be
worried….Given over a half
trillion in the plans, this recent
market crash demands a
thoughtful response.”
- Brian Boswell, Forbes
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s 11
Want to learn more about the IUL LASER Fund’s
flexibility for your financial future? Read “The
LASER Fund,” listen to our podcast, or watch our
YouTube channel — to access it all,
just scan the QR code or click here.
DETAILS
529 COLLEGE
SAVINGS PLAN
IUL
LASER FUND
After-tax contributions
Yes
Yes
Unlimited contributions
No
Yes
High income earners can participate
Yes
Yes
Tax-free growth
Yes
Yes
Tax-free access
Limited
(for qualified education
expenses only)
Yes
(for any purpose)
Penalty-free if using it for anything other
than qualified education expenses
No
(subject to penalties)
Yes
Protected from market downturns
No
(loses value due to
market downturns)
Yes
(protected with a 0% floor)
Death benefit that transfers
income-tax-free
No
Yes
over the responsibility to Zach, who is borrowing against his own policy
for the last portion of his training. He is paying back his loan and is
already looking ahead to what else he can use his policy for down the road,
like his first home.
Having IUL LASER Funds in place has given them a reliable strategy for
covering his education. Until recently, 529 plans couldn’t be used for flight
school, and they still can’t be used for non-education expenses, like future
real estate ventures, without penalties and taxes.
And when the market tanks, like it did this year, Carl and Theresa haven’t
been worried about their policies losing value due to market volatility.
With its liquidity, safety, predictable rates of return, and tax advantages,
it’s not hard to see why we’re proponents of IUL. It’s the Swiss Army Knife
of financial vehicles, allowing you to use it for just about anything you need
— like the education of the people you care about most.
When she uses the money from a 529 plan for
anything other than education, guess what?
Uncle Sam wants his take. She’ll typically end up
paying a 10% penalty and taxes on the earnings
portion of her withdrawals. In the end, she could
end up netting just 60% to 70% of the money in
the plan.
A BETTER WAY TO SAVE FOR SCHOOL
What if, instead, you had money set aside for
education in a properly structured, maximum-
funded Indexed Universal Life policy (what we
call an IUL LASER Fund)?
When Olivia goes to school, she can borrow
money tax-free (with the cash value in the policy
acting as collateral for the loan), not only for her
education expenses…but for anything else she
needs, like a car, groceries, clothing, etc.
If Olivia earns scholarships and doesn’t need to
use the policy for education, she can use it for
anything else, like that first home or a business
venture, without paying penalties and taxes.
And if there are any market downturns, the
policy is protected with a 0% floor, which means
at no time will you lose any cash value in the
policy due to market volatility.
And what’s more…life insurance gives extra peace
of mind. If the worst were to happen and you
passed away while still funding the policy, if she’s
named the beneficiary, the money in the policy
would blossom in value and she would receive the
entire death benefit, completely income-tax-free.
Compare that to a 529 plan, which if you were
to pass away while still funding it, the current
balance is all she would be able to access —
nothing more.
A REAL-LIFE EXAMPLE
Carl and Theresa, who are featured in the “My
IUL Story” on pg. 12, are a great example of using
IUL LASER Funds for education. Their son, Zach,
is in flight school, training to become a pilot.
They have accessed tax-free money to pay for
much of his flight school — and recently turned
“IUL is the Swiss Army Knife of
financial vehicles, allowing you to use
it for just about anything you need —
like the education of the people
you care about most.”
STOCK IMAGE: shutterstock.com
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Helping Our Son Soar
Using Our IUL for Education
It was the radio program that changed everything. Carl would listen to
Doug Andrew’s show on his commute from their Bay Area home to his office.
As an oral and maxillofacial surgeon, Carl had already discovered the power of life
insurance. Over the years, he had opened several Whole Life policies and was utilizing “be
your own banker” strategies to access tax-free cash from his policies to use as working
capital for his business.
But everything he was hearing about Indexed Universal Life sounded intriguing. When
Doug announced he and the LASER Financial team were coming to Northern California for a
seminar, Carl and his wife, Theresa, decided to attend.
That was all it took. The advantages of IUL over Whole Life convinced them to do 1035
Exchanges and transition their Whole Life policies to properly structured, maximum-
funded IUL (what we call IUL LASER Funds). And they haven’t looked back since.
We sat down with Carl and Theresa to hear more about their IUL Story.
Want to open a new or additional IUL to pursue your fi-
nancial goals? Connect with a Certified IUL Professional
— just scan the QR code or click here to get started.
Carl, Theresa, and Zach,
LASER Financial clients
Personal policy performance and/or experiences in this article are
shared for educational use only and do not predict or guarantee
actual or future results.
3DW: What about IUL appealed to you?
Carl: I had read a book about Whole Life several
years ago that I thought was a pretty good
strategy — to cut out the middleman and be your
own banker. Especially with my own business,
funding things out of your policy and paying it
back — versus paying interest to banks and
credit card companies — just made sense.
3DW: What prompted you to work with
LASER Financial?
Carl: We met with Emron at the seminar, and it
just kind of went from there. With our previous
agent, it was like they sold me the policies, then
we were on our own.
But Emron, from the minute he started, he
has helped manage it for us. I’m not a financial
advisor. I’m not an insurance agent. I don’t
personally invest in the stock market. I don’t
know what the indices are, what allocations are
[likely] going to be best. That’s where Emron has
been spectacular. All we have to do is have our
annual meeting with him, and he’s already got a
plan. We really appreciate it, especially compared
to what we had before.
Theresa: Working with Emron has been night-
and-day, no comparison. Emron honors the gift
God has given us. He treats our blessing as if it
were his, and he’s done phenomenal things for us.
His philosophy is our philosophy.
3DW: Tell us more about what you mean
by that — the philosophies you share with
LASER Financial?
Theresa: It’s the values — I love their approach
to creating a family legacy. I love the idea that you
need to give a child an opportunity to have skin
in the game. That resonated with me. It pulled all
my thoughts about motherhood together, how I
wanted to raise our son, Zach: putting God first,
then our family, and then our wealth. Everything
we have is a gift, and I think you have to be
mindful of being a generational example of how to
be a good steward of your money.
Carl: We have Doug’s book, “Entitlement
Abolition.” And it’s funny — we had already set up
a Family Dynasty Trust, and now all our insurance
policies are in there, because it’s not just about
funding retirement and minimizing taxes. It’s
also so when Terry and I move on, what we leave
behind goes to more than just Zach. I want it
to go beyond — to Zach’s children and future
generations.
3DW: How have you used tax-free income
from your IUL LASER Fund so far?
Carl: We’ve done all kinds of things, but probably
the biggest are remodeling projects around the
house and helping fund Zach’s education. He’s
been in training to become a pilot. Flying lessons
are very expensive, and borrowing from our
policies has been easier than taking out bank
loans.
For this latest loan, we had Zach borrow from his
own policy to finish the last of his education. He’s
learning real quick what it’s like to take on that
kind of responsibility. And he’s paying the loan
back — that was one of our rules: You have to
pay it back.
Theresa: We could have paid it off for him, but
it was the right thing to do. It’s been hard for
him, but he hasn’t missed a payment yet, and he’s
learning how valuable it is to put money back
into his policy for his future, rather than having
to pay a bank for the loan. Once this loan is paid
off, he wants to borrow again from his policy for a
downpayment on a house.
3DW: What advice do you have about the
importance of annual reviews with your IUL
Professional?
Carl: Trust the system. Just going back to “The
LASER Fund” book with the apartment analogy,
you’ve got to max fund your policy — fill up
the apartment. When we meet every year with
Emron, he also helps us move our allocations
based on what he sees. You have to be disciplined,
and annual reviews help you stay the course.
F R O M O U R TA B L E TO YO U R S
The Andrew grandkids love this dish,
which Sharee typically cooks for the
entire family when they all get away
to Bear Lake or Lake Powell.
Let’s
Eat
STOCK IMAGE: shutterstock.com
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Sharee’s Tips
RICE - When he was younger, Doug served a two-year religious mission in South Korea, which eventually led to the entire Andrew
family falling in love with sticky rice. You can opt for long grain or basmati rice if you prefer, but if you like sticky rice, Sharee
recommends using short-grain/botan rice (her favorite brand: Nishiki). Sharee uses a rice cooker on the “plain rice” setting, but if
you’re cooking over a stove, put the rice and water into your pan, bring to a boil for 1 minute, then cover the pan and turn the heat
down to simmer for 20 minutes. (Since 1 c of uncooked rice yields about 3 c of cooked rice, you can use 2 c of uncooked rice and
2 ½ c of water to yield the 6 cups of cooked rice for this recipe.)
VEGGIES & PROTEIN - This recipe is versatile, so use whichever ingredients your family likes! For veggies, Sharee always
includes carrots, celery, green onions, and a mix of red, yellow, and green peppers — then throws in any others she has on hand.
(And when picky eaters are around, she ditches the bean sprouts.) For protein, you can also substitute/add ham, cooked chicken,
cooked shrimp, etc.
COOKING FOR A LARGER GROUP - The recipe serves about 4 to 6. If you’re cooking for a bigger crew, Sharee recommends
upping the following ingredients: 10 c cooked rice, 1 gallon-size ziplock of diced celery and carrots, just under that amount for the
peppers, and 2 to 3 eggs.
MEAL PREP TO MAKE IT EASY - If you’re planning on serving the dish while on vacay (like Sharee does when her family heads
to the lake), she recommends cooking the rice and dicing the veggies ahead of time. Throw everything into ziplock bags, drop it
all in the cooler, and you’ve got a large chunk of the work already done, so you can relax and play. “Fried rice takes no time at all
when you have the preparations done beforehand!” said Sharee.
Sharee’s Fried Rice
6 c cooked sticky rice
1 lb bacon
1 c carrots, diced
1 c celery, diced
1 c peppers, diced
1 c bean sprouts
1 bunch green onions, diced
Soy sauce, to taste
Salt and pepper, to taste
1 to 2 eggs
Sauté the bacon until crispy (save the drippings), and crumble
when cooled. Sauté the veggies in the bacon drippings until just
slightly tender. Add the cooked rice. Season with soy sauce, salt,
and pepper to your liking. Crack the eggs into the rice and veggies
and cook to desired temperature. Enjoy with the whole family!
s 16
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In each phase of our kids’ lives, we wonder things like, “Am I
doing everything I can for their schooling?” “Am I paying enough attention to their worries?”
“Are they learning the value of hard work?”
Another question I’ve asked myself over the years is, “What’s the No. 1 thing I can teach them
to strengthen their Foundational Dimension?”
For a long time, my answer has been this: invest in yourself — develop your talents, study
and increase your knowledge, build your character, etc. Because as we invest in ourselves
we’re more capable of going on to contribute to others’ lives, strengthen our relationships,
and make the world a better place.
The Best Investment
But lately I’ve been rethinking things, and now I would definitely say the better answer is:
invest in God. If Ethan, Taylor, and Emily can make God their top priority, I believe the rest
of their lives will fall into place.
I’ve seen it in my own life: When we invest in God, the return on investment is so much
greater. The Bible states that the “windows of heaven will be opened up to you,” and I want
my kids to take that lesson to heart.
This is why my wife, Harmony, and I have made things like family prayer, family scripture
study, and church worship a priority in our family. Even when the kids beg to skip early-
morning scripture study, they inevitably come ready to share their thoughts on a specific
passage. Their teenage moods melt away, and we end up having deep discussions that help
them take these lessons into their lives.
BY EMRON ANDREW
Help Them Help Themselves
I think God is a loving parent, and I’m guessing He feels
the same way that we do. We don’t want to just hand
our kids everything we have — we want to help them
develop their own skills, abilities, and faith so they can
go on to achieve even more than we have, creating 3
Dimensional Wealth in their own lives.
If you think about it, letting God come into life is
essentially just letting Him bless you. He’s not going
to force His blessings on any of us. He’s also not going
to necessarily shield us from the challenges of life —
setbacks, illness, loss.
When we put ourselves on a path where we can become
the best version of ourselves, God is going to help us
along the way. He’s going to help us turn those hard
times into opportunities for growth. And He’s going to
make the happy times even more joyful.
So as you look to help your own family develop their
Foundational Dimension, I’d recommend starting at the
top, with a focus on God, spirituality, or whatever that
belief in a Higher Power is for you. I’m grateful a strong
legacy of faith has been passed down to me, and that I
can “pay it forward,” instilling it in my own children.
The No. 1 Thing to Teach Our Kids
HELPING THEM BUILD A STRONG FOUNDATIONAL DIMENSION
From left: Ethan, Taylor, Harmony, Emily, and Emron Andrew
As parents, we ask ourselves a lot of questions.
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Y O U R V A C A T I O N S W I L L N E V E R B E T H E S A M E
Scott and Adrea Reynolds and their four kids
headed to Park City, Utah. While in the resort
town, one of their kids’ favorite activities was
drawing mystery envelopes — and having to
prepare a meal for the entire family on the dollar
amount inside (which ranged from $10 to $30).
More than just a cooking activity, this was a fun
Financial Dimension experience in learning how
to stretch dollars (especially in a time of high
food prices!). As a side note, the owner of Nosh
restaurant — who noticed the envelope activity
— was so impressed, she contributed a large bag
of pancake mix to the enterprise, which the kids
used for the next day’s breakfast (pancakes) and
lunch (biscuits and gravy).
Emron and Harmony Andrew and their three
children treated Harmony’s mother (now in her
late 80s) to her first-ever cruise. The Caribbean
islands became the setting for strengthening the
family’s Foundational Dimension, with time to
learn more about their grandmother’s life and
make memories they’ll always cherish.
Aaron and Heather Andrew took their two girls
to Great Britain — a first for the entire family to
cross the Atlantic. The Intellectual Dimension came
to life for their teenagers as the family explored
the nation’s rich culture, architecture, and history.
They also carved out time to work through the
10 Relationship BREAKthroughs tool, setting
goals to strengthen key Foundational Dimension
relationships.
Get Away to Come Together
Sharee and Mailee Andrew stole away to Sedona,
Ariz., where the mother-daughter duo delved into
art classes. Expanding their talents and deepening
their bond were just some of the Foundational
Dimension perks of the trip.
Doug Andrew joined their youngest daughter Ashley,
her husband, Justin, and their three children at
Lake Powell, where one of the highlights was their
traditional foil dinners on the beach. Doug also
treated one of the grandkids, James, to a special
one-on-one outing for an outdoor Piano Guys
concert, expanding their Foundational Dimension
together.
More Than a Vacation
These getaways are among the recent Family
Retreats With a Purpose taken by 3 Dimensional
Wealth and LASER Financial team members.
If the term is new to you, Family Retreats With a
Purpose are essentially family vacations with a twist
— you add intentional, expansive 3 Dimensional
Wealth experiences to the itinerary.
Going beyond merely encouraging team members
to plan Family Retreats With a Purpose, Emron
recently developed a plan to incentivize the entire
company to make retreats happen for their families.
Bon Voyage Bonus
Here’s how it worked: Toward the end of 2024,
Doug taught the group about the Family Retreat
With a Purpose
approach. Each
team member
was challenged
to meet with
their families,
fill out a Family
Retreats With a
Purpose Planner,
and schedule
their getaway
between January and June 2025. After
returning, they would also be asked to share their
experience with the team.
Everyone who met the requirements was given a
net $1500 bonus to apply toward their getaway.
Needless to say, the program was incredibly well-
received, with team members enjoying everything
from local staycations to far-flung adventures.
“I’m not a fan of people accruing weeks and weeks of
PTO, only to cash them in before retirement. I think
the goal of PTO should be to take time to regenerate,
rejuvenate, and spend time with your loved ones,”
said Emron. “We saw this as an opportunity to
offer our employees PTO on steroids, and it’s been
rewarding to hear how much all the families loved
their time together.”
Wherever your family heads next, we likewise
encourage you to make it an even better experience
by adding values-based activities to the mix!
Emron, Harmony, and their family (including
Harmony’s mother) in the Bahamas
Scott, Adrea, and their kids in
Park City, eating a meal made
on less than $15
s Sharee on her mother-daughter artist
adventure in Sedona
Doug and his grandkids at Lake Powell
Want to plan your own meaningful getaway?
Download the free Family Retreats With a Purpose
Planner from the 3 Dimensional Wealth Toolkit by
scanning the QR code or clicking here!
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A TRADITION IS BORN
Doug and Sharee Andrew started the tradition
several years ago, when the oldest Andrew
grandkids (who are now high school- and
college-aged) were young.
They called it Grandpa’s Camp (versus
Grandparent’s Camp) early on, because the
small grandkids always gravitated toward
Sharee, saying, “Let’s go to Grandma’s” — so
the family wanted to name this once-a-year
event after Grandpa. The name has stuck.
CAMP ESSENTIALS
Establishing your own Grandparents’ Camp
can be invaluable. The idea is simple: Gather
the grandkids (over age 4) for a few days of
meaningful lessons, craft time, games, and
— depending on where you go — hiking,
fishing, ATVing, zip lining, and more (the
Andrews even went hot air ballooning on two
occasions!).
Parents are typically only allowed the last
night, when they can bring along any of the
younger children for a final sleepover.
You can give each year’s camp a theme and
create a logo, which you can have older kids
put on a poster, and even print on T-shirts (or
caps). For the Andrews, these T-shirts have
become collectibles for the kids, many of them
wearing the shirts for as many years as they
could squeeze into them.
The Andrews also share I Remember When
stories around the campfire, and meal
times include lessons on everything from
“dealing above the line” in responsibility and
accountability, to building financial discipline,
nurturing spiritual faith, and more.
IDEAS TO CONSIDER
Doug and Sharee go a step further and give
their grandkids assignments before camp.
One year, for example, they had to research one
of their ancestors and come ready to tell a story.
Another time they had to visit their parents’
place of work and recount what their parents
do for a living and how that helps the family’s
Financial Dimension.
The Andrew family just celebrated their 13th
annual Grandpa’s Camp this year, with the
theme “bearing fruit,” which relates to The
Bible’s John 15: 1 - 2. Throughout the camp, the
group talked about the importance of bearing
fruit, adding value, and being in motion in life.
Another highlight? Working together ahead
of time to build a new 1,000-square-foot
veranda — complete with outdoor kitchen,
seating for 60, hammocks, and a fire pit. Their
current, ongoing project is now an in-ground
swimming pool.
The idea was hatched last summer, when the
grandkids helped Grandpa turn a dump trailer
lined with visqueen into a 14-foot x 8-foot
“pool.” “The grandkids could take about two
strokes before they had to turn around and go
back, but they had a riot because it gets really
hot, and they’d jump in to cool off and play
games,” said Doug.
LESSONS FOR A LIFETIME
All fun aside, both Emron and Aaron Andrew
credit the annual summer camp as one of the
biggest catalysts for building important values
that have guided some of their teenagers’ big life
decisions over the past few years. And for Doug
and Sharee? The time and money invested in
hosting the camp every summer is priceless.
“It’s been one of my greatest joys in life—and
highest recommendations for you to consider
adopting in your own family,” said Doug.
Whether you have 20 grandkids like the
Andrews or just a few, we encourage you to
make Grandparents’ Camp a tradition in your
own family. For tips on how to put your own
camp together, see the Tool Spotlight on pg. 22.
Make the memories and magic happen with your own
Grandparents’ Camp! Download the Grandparents’
Camp Planner from the Complete Toolbox — available to
all 3 Dimensional Wealth Community members. Learn
more about joining the 3 Dimensional Wealth Community
today by scanning the QR code or clicking here.
Throwback to Grandpa’s Camp when the oldest grandkids were young, ca. 2015
If You Only Do 1 Thing
This Summer
MAKE IT GRANDPARENTS’ CAMP
Imagine a place where grandchildren and grandparents come together every year.
A time where only fun, imagination, and unforgettable lessons exist. Where there’s laughter,
adventure, and bonding.
That’s Grandparents’ Camp, and it can become one of the most anticipated events your family
looks forward to every year.
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4 STEPS TO PLAN IT
There are so many ways to make Grandparents’
Camp work for you, and this tool is designed to
help you customize your get-together for your
family’s unique dynamic.
This tool walks you through the four key steps of
planning — considering your options, getting an
idea of what a sample agenda looks like, outlining
the elements you want to include, and time-
blocking your camp agenda.
SO MANY WAYS TO MAKE IT MEMORABLE
The great thing is, Grandparents’ Camp is wide
open with possibilities. If you’re an outdoorsy
family like us, you can plan fun adventures like
hiking or ATVing. If you’re hosting your camp
closer to home — or even at your home — you can
swap out fishing for backyard games and board
games.
There are some elements I’d say are a must, like
deciding on a theme each year and creating a
logo that you put on a poster and/or T-shirts or
caps. You can go all in on graphic design for the
logo (free apps like Canva make it easy), or you
can hand-draw it, which could be something fun to
assign a grandkid each year.
I’d also make sure to blend in values-based
lessons. You can guide some of these
discussions, and you can ask the older kids
to come ready to share, as well. We’ve found
there’s nothing better than giving grandkids the
opportunity to work with their parents ahead of
time to prepare a lesson, then gain confidence
through teaching their siblings and cousins, all
while getting support and encouragement from
their family.
We often add a service experience to the agenda,
as well. Sometimes it’s helping with a charity,
other times it’s putting in some sweat equity on
improvements to the family cabin (last year the
older grandkids helped build a new veranda for
the cabin, and the younger kids repainted the
campfire benches).
And remember, fun food makes for a fun
gathering. Whether it’s fresh-caught fish and
s’mores over the campfire or homemade pizza
and cookies from your oven, be intentional about
the way food adds to the experience.
However you do it, just be sure to do it.
Grandparents’ Camp can become one of the
highest impact things you’ll ever do to pass along
your 3 Dimensional Wealth legacy.
Want to experience breakthroughs and make critical changes? 3 Dimensional
Wealth tools can help transform your future and build your family’s legacy. Here,
Doug Andrew walks you through a select tool to help make the most of it in your life.
Download the Grandparents’ Camp Planner from
the Complete Toolbox — available to all
3 Dimensional Wealth Community members. Join
us in the 3 Dimensional Wealth Community today by
scanning the QR code or clicking here.
BY DOUG ANDREW
From Service to S’mores
If you’re a grandparent, this tool is for you. It’s your guide to hosting what will likely become one
of your family’s favorite traditions: Grandparents’ Camp.
In the article on pg. 20, we explain what Grandparents’ Camp is, and why this dedicated time with
your grandkids, exploring values and sharing in fun activities, is an absolute must for your family.
To organize your own camp, you can use an all-new tool we’ve developed — the Grandparents’
Camp Planner.
STEP 1
First, you’ll take a
look at each of the
elements to consider
for your camp.
STEP 3
Then, you’ll have
space to brainstorm
the elements you
want to include in
your camp.
STEP 2
Next, you’ll see a
sample agenda to
get an idea of how
things might flow.
STEP 4
Finally, you can use this
space to time-block your
camp. From here, you’ll be
ready to get the fun started!
Grandparents’
Camp can
become one
of the highest
impact things
you’ll ever do to
pass along your
3 Dimensional
Wealth legacy.
s 25
With close to 200,000 subscribers, the 3 Dimensional Wealth YouTube
channel is your go-to for videos and podcasts that can help you improve
your Financial Dimension. Here’s a look at content you won’t want to miss.
s 24
They have huge followings. But they follow the herd.
They speak like they understand it all, but they don’t
know what they don’t know.
Some of today’s biggest financial influencers, like
Dave Ramsey and Suze Orman, deliver plenty of great
advice to Americans — but they’re not experts in
everything.
And they’re dead wrong about IUL.
In one of our most popular podcast episodes, the 93
Million With Doug Andrew podcast crew takes on one
of the biggest misconceptions these influencers have
regurgitated about IUL…
MYTH: IUL gets more expensive as you get older
The reality?
Properly structured, maximum-funded Indexed
Universal Life (what we call IUL LASER Funds) gets
cheaper as you get older.
TRENDING ON YOUTUBE
Video: Busting Myths About IUL
THE TRUTH: YOUR IUL IS NOT INVESTED IN AN INDEXED MUTUAL FUND
LEARN MORE
Catch the podcast and videos that can help you build a financial legacy that lasts. Subscribe
to the 3 Dimensional Wealth YouTube channel today! Scan the QR code or click here.
SUBSCRIBE NOW
Get the knowledge you need from the
podcast you can trust. Sign up to watch
the podcast on YouTube (and get notified
when new episodes are released!) —
scan the QR code or click here.
The 93 Million With Doug Andrew podcast crew, recorded live on YouTube
Critics of IUL (most of whom have never seen
a properly structured, maximum-funded IUL
policy) often repeat another myth about IUL. They
mistakenly say: Indexed Universal Life is merely a
permanent life insurance policy wherein the cash
values are invested in an indexed mutual fund.
But these folks are not Certified IUL Professionals,
and they don’t know what they’re talking about.
On his YouTube channel, Doug Andrew sets the
record straight in a video tackling common IUL
myths — a video that’s attracted over 238,000 views
and counting.
Here’s how Doug breaks down this particular
misconception.
If the myth were true, IUL policyholders would have
suffered up to 40% losses during the 2008 downturn
that kicked off the Great Recession.
But the reality is: IUL policyholders did not lose one
dime due to market volatility. They may not have
made anything that year, but they didn’t lose (thanks
to the 0% guaranteed floor on their policies).
What’s more, many of our clients locked in 16% gains
in the first 90 days of 2009.
The truth is that IUL is LINKED TO an index (or
multiple indexes); it’s not invested IN the market.
The bottom line: IUL is NOT invested in an indexed
mutual fund. This is why IUL is so beneficial — you
earn when the market goes up, and you’re protected
when the market goes down.
This is just one example of thousands of videos on
the 3 Dimensional Wealth YouTube channel that can
help you make the most of your Financial Dimension.
In fact, if done right, within about 10 to 15 years,
your IUL LASER Fund is essentially self-insured.
Why? Typically at that point, your cash value
is very close to your death benefit, causing the
net amount at risk to be negligible. (See Figure
9.1 on pg. 135 in Side 1 of our book, “The LASER
Fund,” for an illustration.)
What’s more, the cost of insurance is relatively
low from that point forward, even until age 120.
The IUL myths that are out there will only keep
you from the financial future you deserve.
Bust the myths with us.
Hit play on the financial podcast you need to
follow. Listen and subscribe to 93 Million With
Doug Andrew today!
Podcast: Don’t Let Them Keep You
From the Future You Deserve
s 26
s 27
Samples are not guarantees of future performance.
IUL Performance Watch provided by LASER Financial. www.laserfinancial.com
To help you stay abreast of market conditions, here we provide a snapshot of trending
indexes, as well as a resource to monitor your individual IUL performance.
INDEX
BEGINNING
INDEX VALUE
ENDING INDEX
VALUE
INDEX
CHANGE RATE
SAMPLE IUL
RETURN
S&P 500
5061.82
5396.63
6.61%
6.61%
S&P 500
Two-Year Uncapped
4137.64
5396.63
30.43%
25.18%
S&P 500
Five-Year Uncapped
2,386.13
5,675.01
135.8%
149.38%
S&P 500
Five-Year Uncapped
w/Multiplier
2,386.13
5,675.01
135.8%
352.54%
BlackRock
Endura
131.28
137.04
4.39%
13.22%
Index Details:
•
S&P 500 one-year point-to-point with a participation rate of 100% and a cap of 10%. Maturity Date: 4/15/25.
•
S&P 500 two-year uncapped point-to-point with a 5.25% spread, a participation rate of 100%, and no cap.
Maturity Date: 4/15/25.
•
S&P 500 five-year uncapped point-to-point, a participation rate of 110%, and no cap. Maturity Date: 3/15/25.
•
S&P 500 five-year uncapped point-to-point, a participation rate of 110%, no cap, with a multiplier of 2.36. Net
return after multiplier fee: 315.04%. Maturity Date: 3/15/25.
•
BlackRock Endura (available through Pacific Life) one-year point-to-point with a participation rate of 200%, no
cap, and an additional multiplier of 2.36 times (for an extra cost of 7.5%). Maturity Date: 3/15/25.
How Is Your IUL LASER Fund Performing?
Curious about your policy’s recent performance?
You can check it out by accessing our free IUL Performance Calculator, an online tool
we’ve created to help you stay on top of things.
STEP 1 - Scan the QR code or click here to go to the IUL Performance Calculator.
Step 2 - On the calculator, enter your information, answering simple questions like:
Does your index have a cap? What’s your index participation rate? What are your
beginning and ending index segment dates?
Step 3 - Get a quick snapshot of your own IUL LASER Fund performance!
Step 4 - While you’re there, you can also scroll down to see examples of actual recent
returns on other available indexes (like the one below)! This can give you an idea of index
strategies you might want to discuss with your Certified IUL Professional when your
current segments come up for maturity.
WHY USE A MULTI-YEAR STRATEGY?
When weighing index strategy choices for your
properly structured, maximum-funded Indexed
Universal Life policy (what we call an IUL LASER
Fund), you may want to consider a multi-year
strategy.
You’ll notice on pg. 26 that we included returns for
a few multi-year strategies. Each of the multi-year
indexes featured is uncapped, meaning there’s no
limit on the rate of return — whatever the market
does in that period, you would get the full gain (and
if the market drops, you’re protected with a 0%
floor). Here are some differences between
the strategies:
With the two-year uncapped index, to cover the
insurance company’s risk, there’s a threshold/
spread of 5.25%. So with the two-year period’s
30.43% gross return, the net return was 25.18%.
With the five-year uncapped indexes, the longer
time period minimizes the risk to the carrier, so in
this case, the carrier doesn’t charge a threshold/
spread.
The five-year strategy with a 110%
participation rate gave a 10% boost
to the 135.8% gross return, yielding a
net return of 149.38%.
The five-year strategy with a 110%
participation rate and a multiplier
of 2.36 saw even bigger gains, with a 352.54%
return. Keep in mind, multipliers come with a fee, so
the net return for this index was 315.04%.
Since IUL LASER Funds are long-term vehicles,
a five-year index strategy can be extremely
attractive. It’s important to remember, however,
that it’s best to leave any money allocated to a
multi-year index alone during its maturity period.
In other words, you want to avoid borrowing
against that money, as doing so removes it from
the index, and you immediately forfeit any gains for
that segment.
This is why we recommend diversifying your index
strategies, so you have a mix of one-year and multi-
year strategies.
s 28
Policyholders who don’t anticipate accessing
much from their policy in the near future (for things
like tax-free income or working capital) may want
to allocate as much as 60% to 75% in a five-year
strategy.
On the other hand, policyholders who are likely to
borrow against their policy (for tax-free working
capital, retirement income, or other needs) may
want to put more of their money in one-year indexes.
And remember, some carriers offer multipliers,
which can be especially beneficial in an up market.
However, if the market drops, you’ll be protected by
a 0% floor but still incur the multiplier fee.
WHY USE A ONE-YEAR STRATEGY?
Despite the advantages of multi-year strategies,
one-year strategies have their benefits, as well. In
fact, many of our clients allocate a good portion of
their policies to one-year strategies (ranging from
capped to uncapped, with and without multipliers).
We have one client, for example, who stuck
with one-year indexes over the last six years,
but changed up the specific type of one-year
strategies, moving from no cap, to high par, to
capped, etc. — all based on what was currently
happening in the market. Over the last six years?
He saw a cumulative gain of $1.3 million.
As you can see, your index strategy choices
can have a significant impact on your policy
performance. As with all things IUL, be sure to
consult with your Certified IUL Professional for
guidance in making any desired changes when
your current segments come up for maturity.
Your next annual review is a perfect time to make changes with your index strategy allocations. Talk to
your Certified IUL Professional about indexes that interest you! Just scan the QR code or click here.
Recommendations are not guarantees of future performance. Index Insights provided by LASER Financial. www.laserfinancial.com
s 29
STOCK IMAGE: shutterstock.com
Empower your family with financial strategies that can add to your abundance.
To help you optimize your IUL LASER Fund, it’s important to stay abreast of
index strategy choices, especially in light of current market conditions.
To do that, let’s take a closer look at a few of the indexes highlighted in the
“IUL Performance Watch” article on p. 26.
s 30
Most financial professionals sell IUL. But the top 1%? They master it.
If you’re tired of generic, surface-level training that leaves you
with more questions than answers, it’s time to change the game.
The Truth About IUL: Are You Just Selling It—
Or Actually Mastering It?
iulchallenge.com/living
Join the IUL Secrets Unveiled Challenge and Discover:
✔ How to design, market, and sell IUL with complete confidence
✔ The #1 mistake agents make that costs clients thousands
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✔ A proven marketing system that keeps clients coming to YOU
COMING SOON – Scan the QR code to see the next date
ONLINE – Learn from anywhere
Spots are limited—reserve yours now.
Scan the QR code or click here
If you’re serious about elevating your practice and becoming
a trusted IUL authority, this challenge is for you.
It’s Not What You Think… And It’s Exactly What You Should Be Doing!
There was a week this spring when the entire Andrew family
was spread around the globe. From Great Britain and the
Caribbean to Lake Powell, Park City, and Sedona, the extended
family was focused on nothing but recreation, holding Family
Retreats With a Purpose (read more about their meaningful
adventures on pg. 18).
If you know anything about the
Andrews, you know they take “work
hard, play hard” very seriously.
They’ve long held to the tenet that
investing time in family and fun leads
to greater ROI at work. And as noted in
his books, “Entitlement Abolition” and
“The 10 Keys Transformation,” this is
something Doug strongly encourages
you to do in your own life.
Color Code For Success
In fact, when Doug plans his year using
his color-coded Life Balance System™
— a powerful framework you can
use to optimize your work and home life — he STARTS by
dropping in his Blue Days, which are reserved for recreation
(or re-creating, as Doug puts it, emphasizing that you come
away feeling both rejuvenated and more creative).
Generally speaking, Doug recommends blocking out at least a
total of one to two weeks’ worth of days a month for
re-creating time. The other days of the year? Doug
recommends giving the lion’s share to Earning, with the rest
divided among Learning, Strategizing, and Organizing.
Make Your Blue Days Count
You can start time-blocking your
Blue Days by reserving Saturdays
and Sundays for work-free activities
— that’s 104 re-creation days alone
(because on Sundays you can “re-
create” and rejuvenate yourself
spiritually). Then add additional time
for getaways and experiences that
restore your mind, body, and soul and
bring you closer to the people who
matter most.
When it comes to those Blue Days,
some might assume that allocating
over 100 days a year to fun and
renewal seems a little lazy, but it’s
actually the opposite.
Re-creating can become your most impactful days, refilling
your mental and emotional cup so you can return, ready to
innovate business strategies, launch new products, structure
your work flow, and learn new concepts. These days also
strengthen your relationships, so it’s a 3 Dimensional win all
the way around!
Feeling Blue?
As entrepreneurs, we’re often asked how professionals can find greater success
by implementing key business strategies — many of which are captured in Doug’s book,
“The 10 Keys Transformation.” Here we share some of those insights.
Looking ahead to the rest of your year? Download The Life Balance System Guide from
our 3 Dimensional Wealth Toolkit and color code your calendar for a more well-rounded
life (and be sure to start with those Blue Days)! Just scan the QR code or click here.
Your IUL Checklist
Your IUL LASER Fund can be an invaluable
catalyst for your family’s 3 Dimensional Wealth—
not only today and tomorrow—but for generations to come.
Are you doing everything you can to optimize your IUL?
Are you ready for another IUL policy? Here’s a quick checklist:
P.O. Box 17957
Holladay, UT 84117
3DimensionalWealth.com
ACTION
DETAILS
DONE
✓
New or
Add’l IUL
Have you had a recent windfall? Do you have IRAs, 401(k)s,
taxable investments, or Roths that could do more for you if you
transitioned them into an IUL? Connect with your Certified IUL
Professional to explore your options.
Annual
Review
Schedule your next annual review
Use the IUL Auditor to check your policy’s max-funding progress
— are you on track? Need to discuss any adjustments?
Decide whether you want to change your index strategies for
the upcoming maturing segments (scan the QR code on this
page for more on index strategy choices).
Come ready to discuss any life event (family/finance) changes
in the past year.
Before arriving, review “The LASER Fund,” Chapters 5 - 9 (scan
the QR code on this page to order the book).
Before arriving, watch the Annual Review Playlist (scan the QR
code on this page for the YouTube playlist).
IUL
Auditor
Whether you have an Annual Review coming up or are just
maintaining your momentum, use the IUL Auditor regularly to
gauge your policy’s max-funding progress.
To access the IUL Auditor, start
an IUL LASER Fund, and use the other
resources on the checklist, scan
the QR code or click here.
Transform Your Family’s Future
THE COMMUNITY THAT CAN CHANGE EVERYTHING
Imagine creating your own Legacy Bank: becoming your own banker and enriching
your family values, education, skills, experiences, and personal growth.
Get access to everything you need to establish your Legacy Bank by joining the
3 Dimensional Wealth Community!
Just $99/year ($2,997 value)
Check out all the 3 Dimensional Wealth Community membership
benefits by scanning the QR code or clicking here.
Build a lasting legacy for your family —
join the 3 Dimensional Wealth Community today!
Doug Andrew