Slash Your Taxes
Noted Retirement Planning Expert James Lange presents

Secrets for Protecting Your Retirement

• Learn how to keep more of the money you worked so hard to save.
  
  
• You "made it" on your own efforts — don’t just give it away now!
  
  
• Use perfectly legal tactics to keep more of your retirement nest egg out of wasteful government hands both now and after you are gone.

You worked hard all your life.

Even though you made a reasonable salary, money was tight. You were paying your mortgage, the expenses of raising your children, paying for college, and maintaining your household and other expenses that never seemed to end.

Despite all these obstacles, you still managed to accumulate a significant amount of money in your retirement plan at work, your IRAs, Roth IRAs, and perhaps funds outside of these plans. In fact, money is probably easier now than when you were working.

Now that you are retired (or perhaps approaching retirement), the question is how can you get the most out of what you’ve got? How can you make sure that you and your spouse can live comfortably for the rest of both your lives - without going back to work or having to rely on your kids.

The primary focus is making sure that you and your spouse are completely provided for. Then, you might want to consider the money that’s left after you are gone - so your family can get the biggest benefit from all your hard work and diligence in saving.

There’s one big problem:

The government wants an enormous slice of your hard-earned savings!

The fact that most of your money is in your IRAs and retirement plan could make the tax burden almost unbearable. Without proper planning, many unwary IRA and retirement plan owners pay 70% or more in taxes to the IRS.

If you believe, however, that there’s no way to avoid or at least reduce the “Uncle Sam Shakedown”…think again.

You can keep more of your money.

A lot more.

You can pay fewer taxes – or, in some cases, no taxes at all - and it’s perfectly legal.

If you are not familiar with my work or reputation, you might be wondering if I’m making statements that I can’t prove.

Actually, the solutions I propose are backed up with an overwhelming amount of rock solid proof.

For example, when you retire, the question of which assets to spend first is critical. The difference between spending the right assets first and spending the wrong assets first can literally be the difference between a having a million dollars or going broke. This is proven in my information kit, Secrets to Protecting Your Retirement. After calculating this information, I was so excited about it, I had it tested and subsequently published it in articles that have appeared in the top financial journals in the country.

What Others Have to Say About Jim's Workshop

Not only do I present solutions that the IRS doesn’t want you to know, I present solutions that many financial advisors don’t want you to know! Here are just several issues that could make an enormous difference in your finances:

• Perhaps the greatest opportunity you have is with Roth IRA conversions. In 2010, there will be no income limitation for Roth IRA conversions! So even if your income is over $100,000, this topic is for you. We examine the benefits and pitfalls of Roth IRA conversions in depth. That discussion alone could be easily be worth 1,000 times the price of the entire package if you consider the benefits to you and your family.
  
  
• How much extra purchasing power could a Roth IRA mean to you? View the video below to find out!

When speaking about the Roth IRA analysis in my book, Ed Slott said the following:

What Others Have to Say About Jim's Workshop 

• Do you know the disadvantage of doing a 401(k) to an IRA rollover? Most financial advisors are always pushing you to do an IRA rollover into an account they manage - but that might not be the best thing for you. This is especially true if you worked for a company that offers a GIC (Guaranteed Income Contract) or fixed income option for your retirement plan. You may also consider keeping money in a 401(k) plan if you think your children might want to make a Roth IRA conversion after you die. The new law states that your kids can make a Roth IRA conversion from an inherited 401(k), but not an inherited IRA. It’s unlikely a financial advisor will ever tell you that. But included in these materials is a new idea on how to respond to this situation and make your financial advisor work for you!
  
  
• Discover why and what money you should and should not consider rolling over.
  
  
• Learn the proper treatment of the after-tax dollars inside your retirement plan. Utilizing just one technique in the package could easily make a difference of $500,000 to your family even if you have as little as $50,000 of after-tax dollars inside your retirement plan. By the way, the same analysis applies to nondeductible IRAs. So, if you have either after-tax dollars in your retirement plan or nondeductible IRAs, you could enjoy great benefits from this material.
  
  
• If you have any company stock in your retirement plan, you need to know the appropriate treatment of NUA (net unrealized appreciation, also known as company stock.) Making the right move with NUA stock could save you tens of thousands of dollars - yet most employees and many advisors don’t know a thing about it.
  
  
• There are new laws regarding the potential acceleration of income if you die with money in a 401(k) plan. The advice I have given clients with money in 401(k)s has changed significantly - even in the past 2 years. Find out how the new law impacts your situation.
  
  
• Find out the best way to plan your estate, with an emphasis on the beneficiary designation of your retirement plan and IRAs. The most critical element of our estate plan, disclaimers, is examined in depth in Secrets. Disclaimers are at the heart of the estate plan examined, Lange’s Cascading Beneficiary Plan™ (LCBP), and they are becoming wildly popular throughout the country. I first proposed the LCBP plan in 1998 in The Tax Adviser, The Official Magazine of the tax division of the American Institute of Certified Public Accountants. I originated this plan – focusing on how you and your family can achieve enormous flexibility and enormous benefits. As an attorney, I have drafted over 1,000 estate plans with major elements of the plan, and it has worked out beautifully in practice. This plan was featured in The Wall Street Journal in 2004, and it was attributed to me. In 2008, The Wall Street Journal ran another story talking about the enormous increase in attention to the key element of the plan — disclaimers. Kiplinger’s Retirement Reports, The New York Times, Newsweek and dozens of other magazines and journals have featured this plan.

What Others Have to Say About Jim's Workshop

I charge $10,000 a day to present a portion of my insider information to private groups of financial advisors, teaching them some of the same secrets that are in the Secrets package. But you will be getting much, much more than the attendees of these paid workshops. There is so much more video, audio and print material.

But you still might be asking yourself, “Who is Jim Lange, and why should I listen to him?” Here are a few of my credentials:

• Quoted 29 times in The Wall Street Journal
  
  
• In the first six months of 2008, I have presented to over 1,000 financial advisors all over the country, earning over six figures in speaking fees.
  
  
• Author of Retire Secure! -- #1 bestselling book for retirement planning on Amazon.com. The book sold out and my publisher, Wiley, had to print thousands more books to satisfy demand. The book will go into a second edition, which will be available in February, 2009.
  
  
• 29 years in practice as a CPA and 24 years as an estate attorney with an emphasis of helping clients with IRAs and retirement plans.
  
  
• Wrote the first major Roth IRA article published in the peer-reviewed The Tax Adviser, the American Institute of CPAs tax journal back in 1998.
  
  
• My articles and quotes have appeared in The New York Times, MSNBC, Dow Jones Newswire, Forbes.com, Newsweek and hundreds more.

What Others Have to Say About Jim's Workshop

Many others have acclaimed Jim’s retirement and tax strategies in Retire Secure! including:

What Others Have to Say About Jim's Workshop

Use Jim’s “Legal Insider” Tactics To Keep More of Your Money!

Accept this private invitation to profit from these financial and tax strategies at your own pace in a special eight-part course, Secrets for Protecting Your Retirement. I am so convinced that Secrets to Protecting Your Retirement will make such a big difference in your life that I am offering a no obligation, money-back guarantee! No kidding.

Plus, I’ll give you a year to return it if you are not delighted. If for any reason, you are not fully satisfied with the information that the package provides, I’ll buy it back from you at full price! That’s a full 365 day, 100% money-back guarantee! There is no way you can lose!

Here is what the course contains:

1. Three DVD collection. A complete recording of Jim’s financial workshop. Every single tax-saving strategy and loophole presented at Jim’s workshop is in this collection. Jim shares wealth-building advice for those still working but looking ahead to retirement, the newly retired and those already taking distributions for their retirement.

If you’re still working, here’s what you will learn:

• The differences between a regular IRA and a Roth IRA and a regular 401(k) and a Roth 401(k), plus the advantages, disadvantages and tax consequences of each. View the video below to see why Jim is so excited about Roth IRAs.
  
  
  
  
• Contribution limits for various plans, to maximize your retirement savings and the one thing that qualifies you for a “catch-up” contribution.
  
  
• The first thing you must always, always do – even if you have to borrow money from your mother to do it!
  
  
• What to do after you’ve contributed the maximum amount to all your retirement options –yes, you can still contribute more!
  
  
• The best order to invest your retirement funds for maximum spending power later.
  
  
• How to protect your family and heirs now, so they’ll stay secure later.

If you’re retired with significant IRA or retirement plan accumulations, you’ll discover:

• What spending order to use during retirement to ensure your security – what money you should spend first and what money you should save for later years. The difference between spending the right money first and the wrong money first can be huge. View the video below to see this real-life example.
  
  
  
  
• How to enjoy tax-free growth with a Roth IRA conversion
  
  
• When it’s advantageous to convert some of your IRA to a Roth IRA and when it’s not.
  
  
• How to make a partial conversion of your IRA to a Roth IRA without having to pay additional taxes. This is an amazing technique that almost magically transforms investments whose growth is subject to income tax into assets that grow tax-free. Even financial professionals are in awe of this little known technique.
  
  
• The incredible impact on your finances if you spend your regular IRA money before your Roth IRA money.
  
  
• When you might want to spend your regular IRA money first and pay taxes on it before you actually have to. This exception involves Jim’s “favorite tax years.” Click here to find out what he means.
  
  
  

If you’re already taking distributions from retirement accounts and if you’re planning your estate (regardless of age), you’ll learn:

• How one document can make – or break – your entire estate plan and ruin the security you’ve been planning for your family!
  
  
• When you need to let the surviving spouse make all the decisions on beneficiaries.
  
  
• The appropriate reaction to all the uncertainty in the estate tax exemptions that will greatly impact the majority of Americans and their estates.
  
  
• How to leave hundreds of thousands of dollars more in your estate – benefitting the next two or even three generations!
  
  
• Pay taxes later – even after you die! That’s the power of the stretch IRA! However, the wrong beneficiary on a stretch IRA can leave your heirs broke!
  
  
  

The three DVD collection also includes a special BONUS SESSION on Lange’s Cascading Beneficiary Plan™:

View the video below for Jim's explanation of what this plan is all about.

• The Wall Street Journal recently reported on the boom in estate attorneys and financial planners across the nation recommending key elements of Lange’s Cascading Beneficiary Plan™.
  
  
• Discover how the beneficiary of your IRA and retirement plans governs your assets at your death – not your will or living trust.
  
  
• Give your surviving spouse the ultimate flexibility to make decisions.
  
  
• The Cascading Beneficiary Plan™ has been receiving national accolades for years. Just listen to these reviews!
  
  
  

There’s so much more! This course also includes:

2. Complete set of audio CDs. Listen as often as you like while driving in your car. Turn your dull drive time into profit by listening to one of my recent financial workshops. They cover many tax-saving strategies and loopholes for those still working, the newly retired, and those already taking distributions and planning their estates.

3. Complete book of financial workshop transcripts. Why try to jot down all that’s presented in Jim’s workshop? These “cheat sheets” have all the information written down for you, so you don’t miss a nugget of advice!

4. CD-ROM of financial workshop transcript to share with your family and to use to print out an extra transcript if the original becomes lost or damaged.

5. CD-ROM of Jim’s Powerpoint presentation used in the financial workshop. Show this to friends and family members to make an impression!

6. Complete 38-page printout of Jim’s Powerpoint presentation. That’s every slide, every chart, and every list of legal contribution limits for retirement investments and estate-planning strategies.

7. Autographed copy of Jim Lange’s Retire Secure! This is the book that systematically proves that you can save tens of thousands of dollars or even much, much more by paying taxes later. It’s filled with in-depth analysis, insights, tips, and actual mini case studies. Easy to understand, this book points the way to legally keeping the money you worked so hard to save!

8. Seven special reports to assist in your retirement planning:

• Comparing the Traditional 401(k) to the Roth 401(k)
  
  
• Tax-Free Growth with IRA Conversions: The Hidden Gem for High-Income Baby Boomers
  
  
• Costly Mistakes That Advisors Make in the 401(k) to IRA Transfer Market
  
  
• How Advisors Should Handle the IRA and Retirement Plan Beneficiary Designation Form (This form can either leave your family a wealthy legacy or nothing at all!)
  
  
• How to Plan for After-Tax Assets in Qualified Retirement Plans or IRAs
  
  
• Timing Mistakes are Taxing: Distribution Planning for the New Roth 401(k)
  
  
• Retirement Plan Transitions: Make Your Money Last When Changing Jobs or Retiring

What Others Have to Say About Jim's Workshop

The sleeper bonus!

And, as a bonus to the first 30 ordering the course—a FREE, no-obligation, 60-minute consultation with Jim Lange or one of his top two associates! You will be scheduled for either a private phone appointment or a face-to-face meeting in Jim’s office (if you can travel to Pittsburgh) and receive an evaluation of your financial future. Each one-hour session is conservatively valued at $400, but the true value is much more considering the knowledge and experience Jim Lange and his team offer to you and your family.

This product launch is in the early stages and frankly, I doubt we will retain this bonus for long. My honest feeling is the benefit to you in receiving a consultation with me or my staff would be worth far more than the cost of the entire course.

It is hard to put a value on the information in the course, the autographed copy of Retire Secure!, the seven special reports, and the 60-minute consultation by Jim Lange or a member of this team. One advisor recommended that I only sell this information to financial advisors and to charge them $20,000. (To be fair, that would give them the right to teach this information to their clients, which is one of my projects). But you can learn how to save thousands of dollars in taxes for the rest of your life—and save your children and heirs a fortune—for only $597. On top of all that, you have the 365-day, 100% money-back guarantee if you’re not satisfied.

Make the investment now in your financial future and learn Secrets for Protecting Your Retirement. Choose from three easy ways to order the course:

1. Call 1-800-387-1129
2. Click on the Order button below
3. Visit http://www.paytaxeslater.com/jl_tele_order.htm

Here’s to your prosperous retirement!