“CPA and attorney Jim Lange (in his book Retire Secure!) provides a roadmap for tax-efficient retirement and estate planning.” — Charles R. Schwab
Action Required: FREE Briefing For Married IRA and Retirement Plan Owners With Retirement Monies In IRAs, 401(k)s, 403(b)s or Other Plans
Little-Known Tax Law Changes
(Snuck Into Law At The End Of 2019 By Congress)
Will Confiscate Hard-Earned Retirement Dollars
From Unprepared IRA Owners…
A photo from one of Jim’s February 2020 workshops.
NEW Briefing Shows You The Safe and Easy Ways
To Protect Your Hard-Earned Retirement Dollars
From Unnecessary Taxation And Confiscation
These workshops are especially valuable for married IRA and retirement plan owners aged 55-74 with IRAs of $750,000 or more.
Due to social distancing protocols enacted to protect against the novel COVID-19 virus, all workshops have been canceled.
Please join our mailing list to be contacted about future live stream webinars that can be attended from the privacy of your own home.
“CPA and Attorney Jim Lange provides a road map for tax-efficient retirement and estate planning.*
— Charles R. Schwab
» View Workshop Invitation (PDF)
The government has just put an end to the greatest tax break for retirement accounts in U.S. history by killing the “stretch IRA” and signing the SECURE Act into law. No longer will your heirs be able to defer tax on Inherited IRA benefits over their lifetime. The SECURE Act will require your children and grandchildren to pay taxes on your IRA and retirement plan within 10 years of your death, which is why I’ve long suggested that the Extreme Death-Tax for IRA and Retirement Plan Owners Act would be a more appropriate name for it.
The changes that the SECURE Act has made to the Tax Code could reduce your IRA and retirement plan by 1/3rd—or even more—after you die. Just think about how many years you worked and contributed to your IRA and 401(k), and now the IRS will dip into it heartily after you pass. Think of how much more earnings your next two generations of heirs could have accumulated with that extra 1/3 earning interest in an Inherited IRA of their own.
The good news is that I have known that the key components of this impending change in the law for years, and I have developed peer-reviewed and proven strategies that retirement plan owners can utilize in response.
Specifically, I have developed 6 wealth-protection strategies that could shield your financial legacy from these devastating changes in the tax laws. Some of these strategies could be implemented immediately—giving you an advantage over others who wait. Planning ahead will also give you the freedom to look carefully at your options and make the best decisions for your family calmly and judiciously. I will be sharing all my discoveries in the Session 2 workshop. I will also blend relevant SECURE Act provisions and accommodations into the Session 1 workshop on trusts and the Session 3 workshop on low-cost index investing. I am sure you will find these workshops interesting and profitable—some people have described them as “life-changing.”
Session 1 will cover the best estate plan for married couples, and trusts and estates for IRA and retirement plan owners after the NEW tax law changes. You will learn what you should do now and what you should be prepared to do regarding wills, trusts, and IRA and retirement plan beneficiary designations.
Session 2 will cover even more advanced strategies for reducing the tax bite on your IRAs, both while you are alive and after you are gone.
Session 3 will provide the solution to your biggest dilemma.
The Best Estate Plan for Married IRA Owners, Combined with Optimal Trust Planning for IRAs and Retirement Plans After the Secure Act: Our Fresh Thinking on Planning for IRAs and Retirement Plans in the Face of the SECURE Act
A Clear Explanation of the NEW Tax Law SECURE Act
- How do the required minimum distributions of inherited IRAs and retirement plans work under the old law versus the newly enacted SECURE Act?
- How will this change impact your family and your legacy?
Aggressive Action That Must Be Taken to Preserve your Estate
- How to ensure financial security for the surviving spouse, and potentially save hundreds of thousands to pass on to your heirs after the SECURE Act.
- Proven strategies you can take now and in the future to protect your family.
Trusts
- The SECURE Act has major implications for trusts: are you one of many Americans who need to redraft their trusts now that it has become the law of the land?
- Should your heirs inherit your IRA directly, or would naming a trust to be safer?
- Trusts for minors, or children and grandchildren with special needs.
- Should you avoid probate?
- Are sprinkle trusts right for you and your family after the SECURE Act?
- Are charitable trusts appropriate for deferring income taxes even if you are not charitable?
- Do you need one of our classic trusts, like the “I don’t want my no-good son-in-law to inherit one red cent of my money trust?”
How to Stop the IRS From Taking Up to ONE-THIRD of Your IRAs and Retirement Plans
- How to avoid massive taxation of your retirement plans after the SECURE Act.
- How to use Roth conversions to minimize taxes on your IRA income for decades for both you and your heirs
- How to optimize Social Security strategies in light of the SECURE Act.
- Gifting strategies for maximizing IRA and retirement plan wealth after the SECURE Act.
- The numbers behind some of our favorite strategies and why they work.
Solving The Investor’s Biggest Dilemma: How To Stop Market Volatility from Crushing Your Retirement Nest Egg In the Next Stock Market Downturn
- Dilemma: I need to take advantage of higher rates of return on investments in a strong market but not fall victim to portfolio-crippling losses in the next market downturn.
- Mistakes: Common blunders that leave investors vulnerable to market downturns, and why to avoid commission and high-fee products.
- Solutions: Low-cost index investing, appropriate asset allocation, optimal tax planning, plus a critical component that will be revealed in the workshop. Register now.
All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
» Videos: Educational workshops can be fun!
Discover Peer-Reviewed Cutting-Edge Strategies to Retire Secure for Life and Maintain Your Present Lifestyle.
You and your spouse are cordially invited to attend any or all of our FREE workshops listed below:
In these FREE workshops, you will discover how to:
- Preserve your hard-earned money for your family instead of giving it to Uncle Sam.
- Optimize your Roth IRA conversion planning under the new tax laws.
- Dramatically reduce your risk of running out of money – Retire Secure for Life.
- Determine which assets you should spend first and which assets you should spend last. Please note the answer has changed since the SECURE Act.
- Maximize your Social Security benefits.
- Leverage an effective and easy-to-use investment strategy that has a history of outperforming active money managers.
- Develop the best estate plan for your
- And much more…
Act NOW! Stop the IRS from commandeering your hard-earned wealth and taking away hundreds of thousands of dollars you want to leave your heirs. Attend Jim’s FREE workshops in February. Discover his startlingly effective—and 100% legal—tax-saving strategies. Making these important changes to your estate plan today can stop the IRS from taking 1/3 or more of your IRA and retirement plan savings after you are gone!
Don’t let Washington’s planned tax-grab eviscerate your family’s wealth! If you miss out on these important wealth-protection workshops, your children could see your estate decimated. You don’t want that. Your kids and grandkids may never forgive you.
Past performance may not be indicative of future results. All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
Session 1: 9:30 – 11:30 AM
The Best Estate Plan for Married IRA Owners Combined with Optimal Trust Planning for IRAs and Retirement Plans After the Secure Act
The How, When, and Why to Naming Trusts as Beneficiaries of IRAs or Retirement Plans
This workshop will explore how to plan for the aftermath of the SECURE Act. We will delve into the nitty-gritty of what happens to your IRA and retirement plan at death both under the old law and under the SECURE Act.
We will explore different estate planning options that you should be considering right now.
You will be able to see the benefits of some of our strategies and decide if it is appropriate for you. The tax hit on your IRAs and retirement plans will be unprecedented unless you take aggressive action. This workshop will concentrate on what you could do to preserve your estate, especially in the area of wills, trusts and beneficiary designations of IRAs and retirement plans. We will combine our newest thinking with some of our classic strategies for protecting your children or grandchildren from themselves, but also creditors, possibly including their spouse. Please note that many existing trusts have language that could prove devastating to your family and most IRA and retirement plan owners don’t know anything about them.
You don’t want young beneficiaries getting too much money too early in a way that would negatively impact their lives. And you don’t want younger beneficiaries spending your money irresponsibly. On the other hand, trusts for adult children are frequently inappropriate—and this workshop will help you distinguish when you should and should not have a trust.
Trusts could also cause massive income tax acceleration after your death, especially under the SECURE Act. Do you have an existing trust? Changes must be made to avoid unnecessary massive taxation! What should trusts look like after the SECURE Act?
Session 2: 1:00 – 3:00 PM
How to Stop Pending Changes in Tax Laws from Enabling the IRS to Legally Take Up to 1/3 or More of Your IRAs and Retirement Plans After Your Death
EPSON MFP image
While the morning workshop will concentrate on wills, trusts and IRA and retirement plan beneficiary designations, this session will cover strategies that are also geared toward lifetime planning, though frankly, in reality, we look at retirement and estate planning as one continuum. By combining Strategic Roth IRA Conversions, Social Security Optimization, and Gifting Strategies, You Can Help Keep Your Wealth in Your Family…and Out of Uncle Sam’s Hands!
For years we have stressed that most of our clients desperately need to be concerned with income taxes, including the income tax that will be due when your IRAs and retirement plans are distributed. Now, that income tax problem is on steroids.
There are a lot of pro-active steps you could take now that will enhance your financial security as well as that of your children. We will explore a variety of strategies that will reduce the impact of the SECURE Act for you and your family.
- Roth IRA Conversions—though we have recommended Roth IRA conversions for many years, Roth IRA conversions and now Roth 401(k) and Roth 403(b) conversions are going remain to remain a critical tool to cut taxes for you and your children.
- Getting Social Security Right is going to be more important than ever.
- Gifting Strategies will come to the forefront with this new tax environment, we’ll explore different forms of gifting and the best timing for gifting.
Session 3: 3:15 – 4:00 PM
Solving the Investor’s Biggest Dilemma: How to Stop Volatility from Crushing Your Retirement Nest Egg In the Next Downturn
Market ups and downs are a fact of life. Most of us have already weathered a couple of downturns prior to reaching retirement. But, as a retiree or as someone nearing retirement, a sudden downturn can be catastrophic. There is always the risk that by the time the market rebounds (as, historically, it has done), it may be too late to salvage your life savings. How can you better protect yourself from life-altering losses when the market takes a dive?
We know that historically, long-term market returns have far outpaced returns on fixed income streams. The appeal of fixed income streams, however, is their apparent safety. But remember, investing exclusively in fixed income virtually guarantees you lose purchasing power to inflation and taxes. The “safe” route can have you pinching pennies and cutting coupons instead of enjoying life in your golden years. In contrast, investing exclusively in the market leaves you open to financial ruin in the event of a significant downturn. So, what should you do?
- Here are some non-solutions: market timing, commercial annuities (more on those as a component of the SECURE Act) and other high commission and high-fee products.
- Here are some elements of the solution you’ll discover at the workshop: low-cost index investing, appropriate asset allocation, and optimal tax planning.
- To discover the last element that we think is the real key, you’ll have to attend the workshop.
The Lange-edge provides a customized mix of these important strategies and instruments.
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.
About James Lange, CPA, Attorney, and Financial Advisor
Author of 7 best-selling books
Jim’s estate and tax planning strategies have been endorsed by The Wall Street Journal (36 times), Newsweek, Money Magazine, Smart Money, Reader’s Digest, Bottom Line, and Kiplinger’s and most recently, Forbes Magazine. Jim has authored five peer-reviewed articles in Trust & Estates. Jim is a regular columnist for Forbes.com, and his expertise on Roth IRA conversions was solicited for an article in the February 2019 issue of Forbes magazine.
With 35 years of retirement and estate planning experience, James Lange and his team have drafted 2,665 wills and trusts, as well as sophisticated beneficiary designations for IRAs and other retirement plans using Lange’s Cascading Beneficiary Plan. They have also administered hundreds of estates whose families have benefitted from these plans.
Mr. Lange is the author of seven best-selling books, including three editions of Retire Secure!, endorsed by Charles Schwab, Larry King, Ed Slott, Jane Bryant Quinn, and Roger Ibbotson and 50 other experts; The Roth Revolution, endorsed by Ed Slott, Natalie Choate, and Bob Keebler; The $214,000 Mistake, How to Double Your Social Security and Maximize Your IRAs endorsed by Larry Kotlikoff, Jonathan Clements, Paul Merriman, and Elaine Floyd; and Retirement Owner’s Guide to Beating the New Death Tax endorsed by Burton Malkiel, Jack Tatar, Bill Losey, and Stephan Leimberg.
Jim created The Roth IRA Institute–offering professionals in the industry advice and recommendations. His proof of the tax and estate planning advantages of Roth IRA conversions has been peer-reviewed by the top tax journal of the American Institute of CPAs. Further, all 15 IRA experts interviewed on his radio show have indicated that most taxpayers, at some point, will benefit from a Roth IRA conversion–and that was before today’s favorable new tax brackets made Roth IRAs even more advantageous.
4 Bonus Gifts: Yours FREE When You Attend Our FREE Workshop!
To claim your 4 bonus gifts worth over $575, call 412-521-2732 today. Investment advisory services offered by Lange Financial Group, LLC.
Free Bonus #1
Register today and you will get a copy of James Lange’s new book, Retirement Plan Owner’s Guide to Beatin the New Death Tax, detailing how to respond to the SECURE Act.
Free Bonus #2
Attendees also receive a copy of James Lange’s 276-page best-seller,The Roth Revolution: Pay Taxes Once and Never Again, in which Jim shows how to use a series of Roth IRA conversions to grow income from your IRAs tax-free not only for the rest of your life but for your children and grandchildren after you are gone. (Cover Price: $18.99)
Free Bonus #3
Attendees will receive my new book on Social Security, The $214,000 Mistake: How to Double Your Social Security and Maximize Your IRAs. (Cover Price: $9.95)
Free Bonus #4
Attendees Interested in having wills and trusts prepared, retirement and estate advice, or investment advisory services may be eligible for a FREE Retire Secure Initial Consultation with Jim Lange. (Value: $600.00)
Experts Praise Jim Lange’s Book, Retire Secure!
Charles R. Schwab calls Retire Secure! “an invaluable resource for investors.” In its pages, you will get the facts on funding your retirement plans, traditional vs. Roth IRAs and 401(k)s, optimal spending strategies for retirees, withdrawing retirement plans funded with company stock, Trusts, estate planning, maximizing Social Security, IRA strategies, and much more.
“Think of Retire Secure! as a GPS for your money,” raves Larry King (Larry King Now).“You may know where you are and where you want to go, but you don’t know how to get there. Jim offers the best route.”*
“James Lange’s book, Retire Secure!, covers two areas particularly well—Roth IRA conversions and estate planning for IRA owners.”*
— Jane Bryant Quinn, Newsweek, AARP, Bloomberg.com
“Retire Secure! is a very practical investment guide on how to defer taxes and efficiently plan for retirement and your estate.”*
— Roger B.Ibbotson, Professor, Yale School of Management
“Keeping your investment expenses low and following Jim Lange’s tax savings strategies are the surest routes to a comfortable retirement.”*
— Burton G.Malkiel, Professor of Economics, Princeton University, Author, A Random Walk Down Wall Street
“James Lange is a genius at making the most difficult subject of estate and retirement planning easy to understand.”*
— Eleanor Schano, Host, LifeQuest, WQED Multimedia
“In today’s volatile market, the peril of building wealth on short-term growth strategies has never been more evident. James does a great job of explaining the how and why of a long-term view with an eye to building money and protecting it when you are ready to spend it.”*
— Peter M. Vessenes, RFC, CEO, Vestment Advisors, Inc.
“Jim Lange is a clear and concise communicator. He takes the complicated and makes it simple.”*
— Diane L.McCurdy, CFP, Author, How Much is Enough?
*All reviews are for Jim’s books, not his services.