Upcoming Workshops – James Lange, CPA/Attorney

“CPA and attorney Jim Lange (in his book Retire Secure!) provides a roadmap for tax-efficient retirement and estate planning.”Charles R. Schwab

2019 Tax Rates Make Roth Conversions Advantageous
for More IRA Owners Than Ever Before

Make the Most of this Window of Opportunity

POP QUIZ: What Do You Get When You Combine Optimal Roth IRA Conversion and Social Security Strategies + Appropriate Trusts + The Best Estate Plan for Married Couples + The Solution to Investor’s Greatest Dilemma?

ANSWER: Potentially Hundreds of Thousands of More Dollars in Your Pocket!

These workshops are especially valuable for married IRA and retirement plan owners aged 55-74 with IRAs of $750,000 or more. 


Saturday, April 27th, 2019 – Hilton Garden Inn Pittsburgh/Cranberry

2000 Garden View Lane
Cranberry Township, PA 16066
RSVP Today!

Reserve your place at our FREE workshops by calling 412-521-2732, or fill out the form below. Attend any or all, the choice is yours. Seats fill fast. BOTH spouses are encouraged to attend. FREE refreshments will be served.
» View Workshop Invitation (PDF)

Saturday, May 4th, 2019 – Wildwood Golf Club

2195 Sample Road
Allison Park, PA 15101
RSVP Today!

Reserve your place at our FREE workshops by calling 412-521-2732, or fill out the form below. Attend any or all, the choice is yours. Seats fill fast. BOTH spouses are encouraged to attend. FREE refreshments will be served.
» View Workshop Invitation (PDF)

Discover Tested Strategies to Retire Secure for Life While Maintaining Your Present Lifestyle!

You and your spouse are cordially invited to attend any or all of our FREE workshops listed below:

Years ago, I wrote a best-selling book on how to retire secure for life through strategically timed Roth IRA conversions – as well as other proven retirement and estate planning methods. But now, the new Trump tax laws have put the tax-saving power of Roth IRA conversions on steroids. As a result, by following the strategies you’ll discover in my new free workshops, you and your family could be hundreds of thousands of dollars better off – with legacy wealth that will last for generations. The new historically low tax rates, combined with the inevitable tax raises in the near future, create a mathematically compelling case for married couples to closely look at Roth IRA conversions – before its too late.

Here’s the First Step to Building Your Wealth Under the New Trump Tax Law

Traditionally, the best time to do a Roth IRA conversion is after you no longer have an income from your job or business, but before you turn 70, when required minimum distribution and Social Security benefits boost your income again. The ideal time for a Roth IRA conversion is the short window while you are in your lowest tax bracket. But now, the new tax laws open that window for a much broader group of taxpayers.

Even more exciting, multiple years at lower tax rates, which the new tax law may give us, could present a golden opportunity to gain long-term protection from inevitable tax increases. The new lower tax rates are set to expire December 31, 2025. Which means the time to lock in those savings is now.

But, that doesn’t mean everyone should be doing large Roth conversions right now, because each person’s situation is different. You also have to factor in additional premiums on Medicare Part B, the impact on qualified dividend exclusion, capital gains rates, as well as investment income tax rates.

Solving Investor’s Biggest Dilemma

The stock market is volatile. When it is up, we win, when it is down, we lose – and it is the losing that we all worry about. Learn how you can build a retirement portfolio that takes advantage of the high return on investment offered by a strong market while simultaneously protecting your assets in the event of a market slump. These workshops will provide you with the strategies and information you need to get the most out of what you’ve got.

These information-packed free workshops also cover our “time-tested and proven worthy” strategies that have not lost their luster despite the tax law changes. You’ll discover the best estate plan for married IRA and retirement plan owners. We will provide you with our guidelines on managing required minimum distributions (RMDs) from retirement accounts, including recommendations for your heirs. We will also cover smart trust-planning, the Lange Cascading Beneficiary Plan, the advantages of low-cost index investing and so much more.

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

Lange’s Cascading Beneficiary Plan (LCBP):

  • Our favorite estate plan for over 20 years: 2,500+ plans drafted and hundreds administered. We have saved clients so much.
  • You will think “This should be the norm…I’m on the inside track!”
  • Providing financial security for the surviving spouse, and potentially saving hundreds of thousands to pass on to your heirs.


  • Should your heirs inherit your IRA directly, or would naming a trust be safer?
  • “I-don’t-want-my-no-good-son-in-law-to-inherit-one-red-cent-of-my-money” trust.
  • Trusts for minors, or children and grandchildren with special needs.
  • Protecting adult children from bad judgment and creditors.
  • Should I avoid probate?

The Concept and the Details of the Best Estate Plan for Married Couples with the Same Children 

This workshop will explore the best estate plan for married couples, Lange’s Cascading Beneficiary Plan. You will be able to see the benefits of this plan and decide if it is appropriate for you. (It probably is). 

We will combine the best estate plan for a detailed examination of trusts that can ensure your hard-earned money is handled responsibly, long after you are gone. This will not only protect your children or grandchildren from themselves and their spouses but also creditors.

You don’t want young beneficiaries getting too much money too early in a way that negatively impacts their lives. You certainly don’t want younger beneficiaries spending your money irresponsibly.

On the other hand, trusts for adult children, however, are frequently inappropriate — and this workshop will help you distinguish when you should and should not have a trust.

Trust can also cause massive income tax acceleration after your death if they don’t meet five specific conditions. Yet the vast majority of attorneys don’t include those provisions in their Trusts. This tax acceleration could cost your children or grandchildren hundreds of thousands, maybe millions of dollars.

Also covered: Is the extra time, effort, and expense of avoiding probate worth it?

SESSION 2: 1:00 – 3:00 PM

2019 Tax Rates Make Roth Conversions Advantageous for MOre IRA Owners Than Ever Before: Make the Most of this Window of Opportunity

  • 2019 Roth IRA Conversion Opportunity: why now might be the best time ever for Roth conversions.
  • Peer-reviewed Roth conversion strategies that could put hundreds of thousands, even millions, of extra dollars in your pocket.
  • The best plan for taking distributions from your retirement accounts.
  • The single decision that can et you bigger Social Security checks.
  • The synergy between Social Security planning and Roth IRA conversions.

As demonstrated by the adjoining graph, optimizing your Roth IRA conversion and Social Security planning can make a difference of as much as two million dollars.

Cut Taxes on Your IRA Withdrawals with new Trump Tax Laws. February 2, 2019 James Lange Retirement Workshop paytaxeslater.com

Chart Assumptions:

  • There are two couples with the same investments, the same earnings record for Social Security, and tax rates. But, there are significant differences in their Roth IRA conversion and Social Security strategies. Please note: the new tax law is likely to increase the difference between the two outcomes
  • Couple #1 (represented by the solid line) takes their Social Security as soon as they can, at age 62. They do not make any Roth IRA conversions.
  • Couple #2 (represented by the dashed line) optimizes Social Security and Roth IRA conversions. They wait until age 70 to file for Social Security benefits, and they make annual $50,000 Roth IRA conversions from the age of 62 to age 70.

Question: Why would you pay taxes up-front and convert a portion of your traditional IRA or retirement plan to a Roth IRA?

Answer: To buy out your partner in your IRA, Uncle Sam, at today’s low rates. A Roth IRA could grow income tax-free for the rest of your life, your spouse’s life, your kid’s lives, and even your grandkid’s lives.

The benefit to future generations is impressive…but, the real eye-opener is that Roth IRA conversions are great for older IRA owners during their lifetime. For married couples, Roth IRA conversions protect the surviving spouse who will be faced with higher tax brackets as a widow or widower.

And now even more Americans than ever before can reap the financial benefits that a Roth IRA conversion has to offer. Tax rates are at a historical low. This means that many taxpayers who are still working, or who are over age 70, and who previously sat in a high tax bracket making a Roth IRA conversion unprofitable, may now be good candidates for a Roth conversion.

This information-packed workshop, with Roth IRA analysis, peer-reviewed and vetted by the American Institute of CPAs’ most prestigious tax journal, can help you get more tax benefits from your IRA and more security for your family.

SESSION 3: 3:15 – 4:00 PM

Solving the Investor’s Biggest Dilemma: How to Stop the Current Market Volatility from Crushing Your Retirement Nest Egg When You Need It Most.

  • The Investor’s 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.
  • Investor Mistakes: Common mistakes that leave investors vulnerable to market downturns, and why to avoid commission and high-fee products.
  • Investor Solutions: Low-cost index investing, appropriate asset allocation, optimal tax planning, plus an additional critical component. Want to find out what it is? Register for this workshop!

Market ups and downs are a fact of life. Most of us will have weathered a couple of downturns prior to reaching retirement. But, as a retiree or as someone nearing retirement, weathering the storm can be more problematic. 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 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 puts you at risk of losing purchasing power to inflation and taxes and potentially wiping out your financial legacy. In contrast, investing exclusively in the market leaves you optn to financial ruin in the event of a significant downturn. So, what should you do?

  • Here are some non-solutions: market timing, commercial annuities, and other high commission and high-fee products include life insurance.
  • 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 have to attend the workshop.

The Lange-edge is a customized mix of these important strategies and instruments. Hundreds of previous attendees are sleeping like babies, knowing their portfolios are constructed to grow, but also to weather future market downturns. Why not you?

* 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.

» Videos: Educational workshops can be fun!


The new Trump tax laws are going to create opportunities and minefields for IRA and retirement plan owners. In these FREE workshops, you will discover how to use cutting-edge, peer-reviewed, tax-reduction strategies. You’ll discover how to maximize Roth IRA conversions… Social Security benefits… Trusts… index investing… and many other strategies designed to significantly bolster your retirement savings and estate.

These workshops are designed to help you:

  • Dramatically reduce your risk of running out of money and help you retire secure for life.
  • Determine which assets should you spend first and which assets should you spend last?
  • Optimize your Roth IRA conversion planning under the new Trump tax law.
  • Maximize your Social Security benefits.
  • Understand an effective and easy-to-use investment strategy that has a history of outperforming active money managers.
    (Note: Past performance is no guarantee of future results).
  • And much more…

Discover how you can use the new tax legislation to your advantage. Attend Jim’s FREE workshops in February, where he will reveal the latest improvements to his effective-and 100% legal-tax-saving strategies.

About James Lange, CPA, Attorney, and Financial Advisor

With more than one-third of a century of estate and retirement planning experience, James Lange and his team have drafted 2,581 Wills and Trusts.

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. His articles have appeared in Bottom Line, Financial Planning, The Tax Adviser, Journal of Retirement Planning, and he has authored five peer-reviewed articles in Trust & Estates. Jim is a regular columnist for Forbes.com.

Mr. Lange is the author of six best-selling books, including three editions of Retire Secure!, endorsed by Charles Schwab, Larry King, Ed Slott, Jane Bryant Quinn, Roger Ibbotson, and 50 other experts; The Roth Revolution, endorsed by Ed Slott, Natalie Choate, Bob Keebler; The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA, endorsed by Bill Flanagan, Paul Merriman, and Burton Malkiel; and The $214,000 Mistake, How to Double Your Social Security and Maximize Your IRAs endorsed by Larry Kotlikoff, Jonathan Clements, Paul Merriman, and Elain Floyd.

Jim is the creator of Lange’s Cascading Beneficiary Plan and The Roth IRA Institute. His analysis of the advantages and tax savings for Roth IRA conversions has been peer-reviewed by the top tax journal of the American Institute of CPAs. In addition, Jim has interviewed 15 IRA experts on his radio show, all of whom believe that most taxpayers, at some point, will benefit from a Roth IRA conversion-and that was before today’s favorable new tax environment 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.

Retire Secure! Book The Roth Revolution by James Lange paytaxeslater.comThe-214,000-Mistake-How-to-Double-Your-Social-Security-&-Maximize-Your-IRAs-Proven-Strategies-for-Couples-Ages-62-to-70-James-Lange-CPA-Attorney


Free Bonus #1

Register today and you will get a copy of James Lange’s 420-page hardcover book, Retire Secure! Third Edition, our gift to you. (Cover Price: $24.95)

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 the preparation of Wills and Trusts, retirement and estate advice, or other financial services may be eligible for a FREE Second Opinion Consultation with Matt Schwartz, our top experienced estate attorney. Attendees with $750,000 or more and interested in integrated financial services are eligible for a FREE Second Opinion Consultation with the speaker, James Lange. (Value: $525.00)

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.