Upcoming Webinars:
Tuesday, March 24, 2026
Register to attend 1, 2, or all 3 Free Webinars below.
If you are married, both spouses are encouraged to attend.
The Grandparent Win-Win:
Spend More, Leave More, and Let the IRS Foot the Bill
Strategic Planning for Grandparents with $1 Million+ in Retirement Assets
There are proven strategies that can help you coordinate three goals at once: confident spending, meaningful gifting, and a tax-savvy legacy. In particular, optimal distribution planning and spending the right buckets first, and whether, when, and how much to convert to a Roth IRA is a great start. The area often overlooked is the optimal beneficiary designation of your IRA which if done with the strategy we recommend, could dramatically impact how much your family keeps after taxes.
This three-part webinar series, designed specifically for grandparents, will show you practical ways to put these strategies to work for your family.
Session One: 10:00AM - Noon (Eastern)
Safe Withdrawal Rates:
How Much Can You Truly Afford to Spend?
Most grandparents that I work with spend way less than they can afford, primarily because they are relying on a depression-era mentality usually inherited from their parents and on outdated rule of thumb.
This session explains the latest safe withdrawal research from Bill Bengen, the originator of the 4% rule, how to apply it to your own planning horizon, and how to integrate portfolio withdrawal strategy into your broader retirement income and spending plan.
In this session you will learn:
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- The 4.7% Reality: Why Bill Bengen updated his traditional 4% guideline to 4.7% for a 30-year retirement, effectively giving retirees a 17.5% "raise."
- The Time Horizon Shift: How withdrawal guidance can dramatically change when your planning horizon is shorter, or longer, than 30 years.
- The Gift of Clarity: How a clearer withdrawal plan can support both lifestyle spending and gifting goals.
- All the Pieces of the Puzzle: How portfolio withdrawals fit together with gifting, Roth conversions, Social Security, pensions, and other retirement income sources as interdependent pieces of your larger spending and gifting strategy.
Session Two: 1:00 PM – 3:00 PM (Eastern)
Roth Conversions:
Protecting Your Purchasing Power
(and Your Legacy)
While Roth conversions can help secure your own lifestyle, the reality is you will likely never spend most of your Roth IRA. So, though it is often still great for you, many grandparents ultimately find that the greatest benefit of Roth planning is having created a massive, tax-free reservoir of funds for your children and/or grandchildren.
In this session, Jim will cover:
- The "SECRET":
Why measuring your wealth in "purchasing power," rather than total dollars, is the only reliable way to evaluate if a Roth conversion is right for you. - The OBBBA Impact:
How recent tax-law changes have reshaped the planning landscape and created a limited window for optimal conversions. - Reducing Lifetime "Tax Drag":
How to move money from "forever taxed" accounts to "never taxed" accounts at the lowest possible cost. - Advanced "Tax-Free" Techniques:
How to convert after-tax dollars in IRAs and other retirement plans to Roths at no cost. We also cover a strategy that allows your heirs to make a Roth conversion at their rates after you are gone.
Session Three: 3:30 – 5:00 PM (Eastern)
The Best Estate Plan for Grandparents:
The Cascading Beneficiary Strategy
Bonus: Includes a dedicated section on planning for a grandchild with a disability, drawing on strategies published on Forbes.com.
The "common default" estate plan, naming children as equal beneficiaries, can create avoidable income-tax acceleration. This session covers a "cascading" plan designed to add flexibility and improve after-tax outcomes to keep more of your wealth within the family.
You will learn:
- The Power of Disclaimers:
How disclaimers build flexibility into your estate plan and why they make so much sense for most families. - The $1 Million+ Benefit:
How disclaiming from a child to a grandchild will save the Lange family over $1.1 million in taxes. To be fair, this is likely far greater because Jim’s daughter has a disability. But, if your children are in a higher tax bracket than your grandchildren, there could still be enormous tax savings. - The Grandchild "Win-Win":
Utilizing trusts to provide for a grandchild’s future (including specialized planning for grandchildren with disabilities) while minimizing the tax bite for the entire family. - Who Gets What:
The high-impact move of directing specific assets to particular family members based on different attributes like tax status (spousal, child, grandchild) and/or their unique tax brackets.
About Your Presenter: James Lange, CPA/Attorney
Jim is the author of 10 best-selling financial books and has been quoted 37 times in The Wall Street Journal. He has published 21 articles for Forbes.com including the one just published, regarding strategies he will cover during the webinar.
Attend Jim Lange’s Webinars for FREE - Reserve Your Seats Today!
Tuesday, March 24, 2026
Register for one all three sessions now!
Yours FREE
4 Valuable Bonus Gifts
(When You Attend Any Session)
Yours FREE! Valuable Bonus Gifts When You Attend:
Bonus #1: Hardcover Book: Retire Secure for Professors and TIAA Participants or Retire Secure for Parents of a Child with a Disability.
Bonus #2: A laminated Safe Withdrawal Card.
Bonus #3: Jim’s article published on Forbes.com regarding the increased safe withdrawal rate.
Bonus #4: Jim’s new article published on Forbes.com for grandparents of a grandchild with a disability.
Disclaimer: Lange Accounting Group, LLC offers guidance on retirement plan distribution strategies, tax reduction, Roth IRA conversions, saving and spending strategies, optimized Social Security strategies, and gifting plans. Although we bring our knowledge and expertise in estate planning to our recommendations, all recommendations are offered in our capacity as CPAs. We will, however, potentially make recommendations that clients could have a licensed estate attorney implement.
Asset location, asset allocation, and low-cost enhanced index funds are provided by the investment firms with whom Lange Financial Group, LLC is affiliated. This would be offered in our role as an investment advisor representative and not as an attorney.
Lange Financial Group, LLC, is a registered investment advisory firm registered with the Commonwealth of Pennsylvania Department of Banking, Harrisburg, PA. In addition, the firm is registered as a registered investment advisory firm in the states of AZ, FL, NY, OH, and VA. Lange Financial Group, LLC may not provide investment advisory services to any residents of states in which the firm does not maintain an investment advisory registration. Past performance is no guarantee of future results. All investing involves risk, including the potential for loss of principal. There is no guarantee that any strategy will be successful. Indexes are not available for direct investment. If you qualify for a free consultation with Jim and attend a meeting, there are two services he and his firms have the potential to offer you. Lange Accounting Group, LLC could offer a one-time fee-for-service Financial Masterplan. Under the auspices of Lange Financial Group, LLC, you could potentially enter into an assets-under-management arrangement with one of Lange’s joint venture partners.
Please note that if you engage Lange Accounting Group, LLC and/or Lange Financial Group, LLC for either our Financial Masterplan service or our assets-under-management arrangement, there is no attorney/client relationship in this advisory context.
Although Jim will bring his knowledge and expertise in estate planning to this workshop and to the meetings, it will be conducted in his capacity as a financial planning professional and not as an attorney. This is not a solicitation for legal services.