Minimizing Unnecessary Taxes Makes a Bigger Difference Than You Think

Minimizing unnecessary taxes makes a bigger difference than you may think. This is one of the key insights that has guided Doug Andrew over his four and half decades as a financial strategist and retirement planning specialist.

Doug’s entry into the financial planning world so many years ago was originally for the purpose of becoming a tax and estate planning attorney. However, the more he got involved in helping people minimize unnecessary taxes and plan for their brighter future, the more joy he found as a tax and financial specialist.

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For many years, the conventional wisdom of the industry was to simply hang in there during times of market volatility. Historically, the time it takes to recover from a market downturn can vary from just a few years to nearly 25 years. This can cost a person saving for retirement many valuable years that are instead spent trying to make up lost ground. This requires a more broad approach to protecting and growing your nest egg.


  • How does inflation take a bite out of every dollar that you’ve saved? Learn how to position your money so it grows faster than the rate of inflation.
  • Why is it foolish to count on being in a lower tax bracket at retirement? Doug explains how minimizing unnecessary taxes makes a bigger difference than you think.
  • Are you able to accumulate your money tax-free, access it tax-free–at any point in time, and transfer the money to your heirs tax-free? It all comes down to which instrument you’re using to save money.
  • How does tax-free saving differ from tax-deferred saving? Knowing this difference will spare you a lot of fear and uncertainty.
  • Should you feel bad for avoiding having to pay unnecessary taxes? Doug explains how to ethically reduced your tax liabilities and how to increase your net spendable income in retirement.
  • Why is trying to time the market such a bad idea? Doug spells out where predictable rates of return can be found and how minimizing those unnecessary taxes makes a real difference.
  • And much, much more…

Start by visiting with a wealth architect today.

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*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.