Roth IRA Conversions During Periods of a Down Market and Inflation and
The Best and Most Flexible Estate Plan for Retirement Plan Owners

Tuesday, December 6, 2022

Registration to Attend 1, 2, or all 3 FREE Webinars coming soon! 

Would you like to know the objective answer behind whether you should make a Roth conversion in a down market and in the midst of high inflation? If so, how much should you convert and when?

Roth IRA conversions and the transfer of funds from the taxable to the tax-free world could be the most important strategy you implement to protect yourself and your family from massive tax acceleration.

Even if you get the Roth conversion right, are your wills, trusts, and beneficiary designations in place to maximize the value of your estate for your heirs? Probably not.

And that’s why we have made it the mission of these December webinars to educate our clients and readers on the best strategies to preserve your IRA and retirement wealth for yourself and your family. The best strategies usually involve the appropriate Roth IRA conversion plan as well as the appropriate estate plan.

As you will learn by attending our webinars (described below), we believe there are things you can do to protect your families’ financial security during a market downturn and in times of inflation.

We’ve helped thousands of our clients implement retirement, tax, and estate planning strategies that help slash taxes and build wealth. Now we want to share that knowledge, expertise, and experience with you. We want you to get the most out of what you’ve got.

Don’t underestimate the importance of getting your retirement decisions right the first time—mistakes can be very costly and difficult, if not impossible, to recover from.

We invite you to discover our proven methods for improving and protecting your retirement finances.


Click here to register

Session 1: Tuesday, December 6th (11 am – 1 pm Eastern)

Roth IRA Conversions Before Year End:

Strategies to Combat a Down Market and Inflation

In this Roth IRA-focused session, you’ll discover:

  • The relationship between inflation and Roth IRA conversions: How does inflation impact your Roth conversion planning?
  • Should you make a Roth IRA conversion before the year’s end?
  • Advanced Roth conversion techniques: 1) Impact on Medicare premiums; 2) Mega back-door Roth IRA conversions; 3) Making Inherited Roth 401(k) conversions after you are dead.
  • The tax-minimizing benefits & strategic synergy of making well-timed Roth IRA conversions during a market downturn.
  • The tax-accelerating impact the SECURE Act will have on your retirement plans and your financial legacy if you do not take action.
  • How SECURE Act 2.0 impacts Roth IRA conversion planning.
  • The peer-reviewed math & optimal timing for Roth IRA conversions.
  • The one single financial decision that can get you bigger Social Security checks.
  • The implications of the back-door Roth and what to do about it in 2022.


Click here to register

Session 2: Tuesday, December 6th (1:30 – 3:30 pm Eastern)

The Most Flexible & Best Estate Plan for IRA & Retirement Plan Owners

In this session, we will explore an estate planning system based on a series of disclaimers. Disclaimers allow enormous flexibility for planning for your estate, and one important feature of that flexibility is that it allows you to create a plan that can be adapted based on the economic climate at the time of your death.

We believe flexible estate plans should be used routinely, but in practice, they rarely are.

This kind of flexibility is particularly crucial after the passage of the SECURE Act which has up-ended pre-existing laws governing the distribution and tax treatment of monies from inherited IRAs and retirement plans. We will delve into the nitty gritty of those changes and our recommendations for how IRA owners should respond via their estate planning. 

For many $1M+ IRA or retirement plan owners, unless you take aggressive action, your loved ones will likely take a massive income tax hit on the monies in those plans…

So, this workshop will concentrate on what you could do to preserve your estate, especially around wills, trusts, and beneficiary designations of your IRAs and other retirement plans.

We’ve combined our newest thinking with some of our classic strategies for protecting your children or grandchildren from themselves, but also creditors, possibly including their current spouse.

We will also dive into:

  • The details of the best estate plan for married retirement plan owners know as Lange’s Cascading Beneficiary Plan.
  • Should your heirs inherit your IRA and other retirement assets directly, or would naming a trust be wiser?
  • Charitable trusts as beneficiaries of your IRAs and retirement assets.
  • Do you need the ever more popular “I don’t want my no-good son-in-law to inherit one red cent of my money trust?”
  • 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 spouses.


Click here to register

Session 3: Tuesday, December 6th (4 – 5 pm Eastern)

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

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

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.

Prepare Yourself for the Best Retirement and Estate Planning Information

Wouldn’t it be great to know you were taking the right steps to protect your and your family’s financial security? These online workshops will provide the roadmap you need to navigate the retirement and estate planning pitfalls and opportunities that you now face. 

Why listen to me? In a nutshell:

  • Author, Retire Secure for Professors, which has received glowing testimonials from your peers.
  • Author of multiple relevant peer-reviewed articles.
  • Author of eight best-selling financial books focusing on IRAs and retirement plans.
  • My expert advice has been cited 36 times in The Wall Street Journal.
  • Veteran presenter with over 30 years of experience.

My team and I team put together what we think is the most relevant, important, and best information, much of it original, for professors. We have developed two 2-hour online workshops along with a 1-hour Q&A online workshop. We implore you to at least scan this invitation and attend one, or preferably several, of the scheduled sessions.

 

About James Lange, CPA, Attorney, and Registered Investment Advisor

James Lange, CPA, Attorney, and registered investment advisor is the author of eight best-selling financial books that help protect the financial security of IRA and retirement plan owners and their families. Jim has been quoted 36 times in The Wall Street Journal.

Jim’s RIA firm in conjunction with his joint venture partners manages $950 million dollars. His CPA firm prepares 760 tax returns annually. His law firm has prepared 2,966 wills, trusts, and beneficiary designations for 1,873 clients.

Jim is a well-known Roth IRA expert, having written the first peer-reviewed article on Roth IRAs in 1998 published in AICPA’s The Tax Adviser. Jim also developed Lange’s Cascading Beneficiary Plan, an estate plan that provides the maximum flexibility for married IRA and retirement plan owners.

Jim’s books have become classics and are endorsed by the country’s top experts. Retire Secure! was endorsed by Charles Schwab, Larry King, Jane Bryant Quinn, Roger Ibbotson, and 50 other experts; The Roth Revolution, endorsed by Ed Slott, and Bob Keebler; The $214,000 Mistake, How to Double Your Social Security and Maximize Your IRAs, endorsed by Larry Kotlikoff, Jonathan Clements, and Paul Merriman; and The Retirement Plan Owner’s Guide to Beating the New Death Tax, endorsed by Burton Malkiel, Larry Swedroe, and Stephan Leimberg.

Valuable Bonus Gifts: Your FREE When You Attend Any Online Workshop!

To claim your bonus gifts, register above and attend our online workshops.

Bonus 1: An Advance Reader Copy of Jim’s new book, Retire Secure for Professors.

Bonus 2: A hardcover copy of Retirement Plan Owner’s Guide to Beating the New Death Tax.

Bonus 3: A digital copy of Jim’s flagship book, Retire Secure!

Bonus 4: A digital copy of The $214,000 Mistake: How to Double Your Social Security and Maximize Your IRAs.

Experts Praise Jim’s New Book, Retire Secure for Professors

(All reviews are for Jim’s book, not his services)

“Few in the legal or accounting profession have the technical grasp on the complexities of the tax laws as Jim Lange. Fewer still have Jim’s ability to distill that labyrinth and morass of information into an intelligible format that is also “actionable,” i.e., simplified to the point where it is both understandable and can be put to immediate use. As a retired tax law professor, I appreciate, applaud, and highly recommend Retire Secure for Professors. This may be the finest investment in your financial future you will ever make!”

Stephan R. Leimberg, Esq., Publisher, Leimberg Information Services, Inc. (LISI)

“As a physician, I’m jealous that there is a Retire Secure specifically designed for professors but not one for doctors. The entire Retire Secure series is the perfect nuts and bolts guide not only to saving for retirement but also to spending from that nest egg in retirement.”

James M. Dahle, MD, Founder of The White Coat Investor

“In a world where facts and data are assaulted, Retire Secure for Professors is a trusted source of information on which professors can rely. Jim’s analysis is like Moneyball for professors’ retirement and estate planning.”

Nicole L. Maholtz, President and CEO, Brentmark

“James Lange’s book, Retire Secure for Professors, is not only relevant to professors but is applicable to a broad audience of IRA and retirement plan owners. Jim’s insight and wisdom will be incredibly helpful in understanding the tax law regarding IRAs and retirement planning and is a must for advisors.”

Robert S. Keebler, CPA/PFS, MST, AEP (Distinguished)

“Whether you are a professor or not Jim Lange’s book, Retire Secure for Professors, is a retirement planning MUST read. Jim masterfully shows you how to integrate estate tax, income tax planning, and insurance planning into a “financial master plan.” Plus, he offers strategies for tax-efficient gifting to heirs and charities. With his help you can minimize taxes, leave the most to your heirs and favorite charities—and the least to Uncle Sam. And NO ONE does it better. He provides easily understood examples that demonstrate the benefits of his recommended strategies.”

Larry Swedroe, Author of Your Complete Guide to a Successful and Secure Retirement and 17 other investment books.

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.