Lange Report November 2023
James Lange

We put our best thinking into our most recent 500+ page book, Retire Secure for Professors and TIAA Participants. It is bursting with tax saving strategies that have the potential to save IRA and retirement plan owners and their families thousands, if not hundreds of thousands of dollars. Word to the wise, this book is not just for professors; as most of our Amazon reviewers noted, it provides great guidance and recommendations that will benefit most IRA and retirement plan owners. And our detailed Table of Contents will simplify the task of finding the exact information you need to make your life better.

If you are a client of ours or of our associated law firm, you should have already received your complimentary hardcover book. I hope you benefit from the information, as so many of our Amazon reviewers have.

Are You Willing to Champion our Cause?

If you are willing to champion our cause, we could use your help to get our new book into the hands of as many IRA and retirement plan owners, as well as professors and TIAA participants as possible. We also look forward to being referred to new contacts for organizations that might be looking for a speaker. As many of you know, Jim ‘s presentations are dynamic, full of great information, and even funny!

Here is how you can help:

  • Refer our book to a friend, colleague, or acquaintance and let them know that our office will be happy to provide any further referrals with a free digital or hardcover book as well as a Book Synopsis. We will even pay the postage! Anyone should feel free to call my Executive Assistant, Erin Einwag, at our offices at 412-521-2732 or visit this website, to request additional copies of the book. 
  • If you are affiliated with a professional or civic organization, retiree group, or club, and you think Jim would provide a great presentation for your members, would you kindly provide an email introduction to your colleague or the Activities Director who schedules events? Also, please feel free to share this request with any colleague or acquaintance who you know is affiliated with an organization. Once again, either send an email to or give a quick call to Erin at 412-521-2732, and she will set the ball in motion.

I can’t stress enough how much we appreciate these referrals.

Amazon Book Reviews Have Been Life/Work Affirming

The overwhelming consensus is that the public loves the strategies in our book! Not only have I found the excellent reviews very gratifying, but it has been incredibly rewarding to learn just how many readers have been following my articles and books for more than 25 years. Many of the reviews read like personal thank you notes. And it turns out, the strategies have worked out quite well for so many readers. I certainly hope, that in the next 10 to 15 years, people new to my writing, or people acting on our current advice, have a similar experience. I look forward to hearing how our strategies made a huge difference in your and your families’ lives.

Retire Secure for Parents of a Child with a Disability

Our Next Big Thing: Coming January 2024

Retire Secure for Parents of a Child with a Disability:

How You Can Get a Copy Now

by James Lange, CPA/Attorney

Our next book, Retire Secure for Parents of a Child with a Disability, is at the printers! In terms of impact, we hope and expect this will be our most important book and initiative of my life. We know this book could be financially life-changing for parents of a child with a disability and their child. With the help of our esteemed co-authors, Deborah McFadden and Julieanne Steinbacher as well as the rest of our team and endless hours by me and my wife, Cindy, this book is―by far―the most comprehensive single financial/information resource available for parents of a child with a disability.

Much of the content is like the book referenced above—the basics and some advanced strategies do not change—but this book includes multiple new chapters covering information and strategies critical for parents who, as Cindy, and I do, have a child with a disability.

Please Join our Book Launch Team

As with previous books, if you or a colleague is interested in receiving a free digital pre-release copy of Retire Secure for Parents of a Child with a Disability now, you are welcome to join our book launch team. Please go to for details.

A Personal Win on Many Fronts

After what seemed like endless debate, all the authors agreed that having a photo of me, Cindy, and our daughter, Erica, on the book cover would reflect our personal and professional commitment to our recommendations and advice.

But a photo shoot had to be arranged―much to our delight―with my acclaimed photographer cousin, George Lange. And this also gave me a great excuse to fly Erica in for a visit. The timing was excellent because my brother, Jon, was visiting from Oregon. It was a great reminder of the importance of family.

I hope all is well with you and yours.

Retire Secure For Professors and TIAA Participants James Lange

Retire Secure for Professors

Get the most out of your TIAA, IRAs, and other retirement plans.
Learn how by attending out FREE December webinars.

Live Webinars

Tuesday, December 5th, 2023

Webinar One:  9:30 – 11:30 AM (Eastern)

Optimal Distribution and Estate Planning for Your TIAA and Other Retirement Accounts

This webinar combines our newest thinking with some of our classic strategies for protecting you and your family. In this session, you’ll discover:

  • How Required Minimum Distributions (RMDs) of Inherited IRAs and retirement plans were so advantageous under the old law in sharp contrast to the onerous rules in the SECURE Act.

  • How SECURE Act and SECURE Act 2.0 changes could impact your family and your legacy.

  • 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.

  • The details of the best (and most flexible) estate plan for married professors known as Lange’s Cascading Beneficiary Plan™.

  • We’ll solve one of the great mysteries of academic life: What is the most advantageous way to get your money out of TIAA and CREF when you retire?

  • You’ll learn about the distribution rules and options at retirement for Traditional TIAA, and what, if anything, you should do about it now.

We’ll also dive into Trust planning strategies, including…

  • The pros and cons of having your heirs inherit your TIAA, IRA, and other retirement assets directly versus through a trust.

  • Why, under certain circumstances, naming a charitable trust as the beneficiary of TIAA, IRAs, and retirement assets might be an excellent strategy for altruistic professors.

  • The growing popularity of the “I don’t want my no-good son-in-law to inherit one red cent of my money” trust.

  • A rarely discussed strategy―Who Gets What? evaluates the tax consequences of leaving different asset types to children who are in differing tax brackets. We will cover a similar strategy for charitable giving. By optimizing your strategies using who gets what analysis, you could save hundreds of thousands of dollars in taxes.

Session Two: 12:30 – 2:30 PM

Roth IRA and Roth 403(b) Contributions and Conversions for Professors

In this session, we will cover foundational Roth conversion techniques…

  • The peer-reviewed math and optimal timing for Roth IRA conversions.

  • The back-door Roth IRA.

  • How professors born between 1951 and 1959 can profit from SECURE Act 2.0.

  • How to move a portion of your taxable investments (TIAA, IRAs, and other retirement plans) to the tax-free investing environment (529 plans, your children’s Roth IRAs, Roth 403(b)s, and more). This shift could potentially be more valuable to your children than making Roth IRA conversions in your own accounts.

  • Capitalizing on Roth IRA conversions through 2025 while favorable income tax rates remain and before the 2017 Tax Cut and Jobs Act’s Sunset Provisions take effect in 2026 and tax rates go up substantially.

  • How you could benefit from the new rules allowing employers to contribute to an employee’s Roth retirement plan. (Previously, employers were only allowed to contribute to tax-exempt Traditional plans.)

  • We will also examine the timing synergy between when you begin taking Social Security and making Roth conversions.

And we’ll also cover advanced concepts for Roth IRA conversions including…

  • How to transition after-tax dollars in retirement plans to a Roth IRA at no cost—potentially saving hundreds of thousands of dollars in taxes down the road.

  • How to convert an Inherited retirement plan to a Roth at your beneficiary’s tax rate, not your own, after you die. (This is a little-known strategy with big tax savings for those who qualify.)

Session Three:  3 – 4 PM

A Live Q&A with Jim Lange: Your Questions Answered on Roth IRAs, Tax Minimization, Estate Planning and More

Jim will answer attendees’ questions submitted in advance of webinars as well as those submitted during the webinar. Take advantage of this opportunity to have your financial questions answered.


6 Valuable Bonus Gifts: Yours FREE When You Attend Any Workshop!

Bonus #1: Register today and you will receive a free hardcover copy of Jim’s magnum opus, Retire Secure for Professors and TIAA Participants, the best book Jim and his team have ever written.

Bonus #2: Your next gift is a digital copy of Jim’s best-selling book, Retirement Plan Owner’s Guide to Beating the New Death Tax, detailing how to respond to the SECURE Act.

Bonus #3: You will receive a digital copy of Jim’s 276-page best-seller, The Roth Revolution: Pay Taxes Once and Never Again. Jim shows how to use a series of Roth IRA conversions to grow income from your IRAs tax-free.

Bonus #4: You will receive a digital copy of Jim’s book on Social Security, The $214,000 Mistake: How to Double Your Social Security & Maximize Your IRAs.

Bonus #5: Attendees also receive a pre-release digital copy of Jim’s brand-new book, Retire Secure for Parents of a Child with a Disability. This book will be available to the public in January 2024.

Bonus #6: Qualified attendees are eligible for a FREE Retire Secure Initial Consultation with Jim Lange and one of his number-crunching CPAs.

Attend Jim Lange’s Retirement and Estate Planning Webinars for FREE!

Tuesday, December 5, 2023

Register to attend 1, 2, or all 3 Free Webinars at:

Disclaimer: Please note that if you engage Lange Accounting Group, LLC for our Financial Masterplan service or receive Financial Masterplan services as part of our assets under management arrangement, there is no attorney/client relationship in this advisory context. 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. There is no solicitation being made for legal services by James Lange nor by Lange Legal Group, LLC. Although we will bring our knowledge and expertise in estate planning to meetings with clients, all recommendations are offered in our capacity as a financial planning professional and not as an attorney. We will, however, potentially make recommendations that clients could have a licensed estate attorney implement.

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, TX, and VA. Lange Financial Group may not provide investment advisory services to any residents of states in which the firm does not maintain an investment advisory registration. This does not in any way imply that Lange Financial Group is failing to preserve its rights under the respective states’ de minimis rule. The presence of Jim’s book shall not in any direct or indirect fashion, be construed, or interpreted to suggest that the firm is offering to sell or soliciting to provide investment advisory services to residents of any state or states in which the firm is not maintaining an investment advisory registration. Again, Lange Financial Group preserves all rights under each state’s de minimis rule but wishes to emphasize that it is not directly or indirectly soliciting investment advisory clients in states where it has no legal right to do so. All investing involves risk, including the potential for loss of principal. There is never any guarantee extended that any investment plan or strategy will be successful. Asset location, asset allocation, and low-cost enhanced index funds are provided by the Lange Financial Group, LLC’s affiliated investment firms. This referral is offered in our role as an investment advisor representative and not as an attorney.