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Endorsed by Over 30
Financial Professionals

 

Financial Security. For Life.
National IRA Expert and Bestselling Author
Shows You What to Do

A new personal finance book by nationally recognized
IRA, 401(k) and retirement plan distribution expert James Lange
offers some rock-solid strategies for
retiring secure─and putting off the taxman for as long as possible.

"One of the best books about saving taxes
I’ve ever read. It works!"
─ Larry King


"In Retire Secure!,
CPA and estate planning attorney Jim Lange
provides a road-map for tax-efficient
retirement and estate planning.
This is an invaluable resource
for investors and planners alike."
Charles Schwab

Traditional pension plans are becoming extinct. Even financial powerhouses like IBM, General Motors, and Hewlett-Packard have eliminated or frozen their traditional retirement plans. The future of social security is uncertain. And, just as our economic security is shrinking, our lifespan is expanding. It’s a threatening combination!

The bottom line is that you are on your own: neither Big Brother Company nor Uncle Sam will protect you from outliving your money.

Fortunately, there is a solution. It’s not a get-rich-quick scheme to make a fortune in real estate or business. In Retire Secure!, Jim Lange offers a set of time-tested tax-savvy financial recommendations that do not cost money and may result in an additional $2 million over a lifetime.

Lange’s book lays out those recommendations in a convincingly detailed yet surprisingly easy-to-follow fashion. His ‘pay taxes later’ advice hammers home the fact that the longer you legitimately delay paying income tax on your retirement assets (with several notable exceptions) the better your odds of not running out of money before you die.

This straightforward "tax procrastination" theme applies to all three stages of your financial life: as you are saving for retirement, during your retirement, and throughout the estate planning process.

This advice works for every hardworking American, not just the super-rich. Even for retirees, making the right decisions about which funds to spend first at age 65 can mean the difference between enjoying a comfortable retirement and having to go back to work. Generally speaking, the ‘pay taxes later’ philosophy ensures that you and your family will be better off─potentially by millions.

"You can rely on the advice here
since it comes from one of the nation’s
leading retirement tax planning authorities."

─ Ed Slott,
Author Parlay Your IRA Into a Family Fortune



Some of the 100-plus tips and techniques in
RETIRE SECURE! include:


Solid advice for the accumulation stage:
While still working, develop the best saving strategies.
  • Learn which retirement accounts should be funded first and which last. Discover how to rank the available plans to get the most from your precious retirement savings. Choosing wisely among employer matching, Roth accounts, IRAs, and 401(k)s can be powerfully effective.


  • Have you ever thought, "I can’t afford to make maximum contributions to my retirement plans?" Think again. The tax advantages of retirement accounts are so powerful that it often makes sense to use savings, loans, or "windfalls" to cover the contribution.


  • What should you do if you get an inheritance? Don’t run out and buy a new car! Learn how you can "move" that money into the tax deferred environment and reap the long-term benefits of compounding interest and delayed taxes.


  • When is a Roth IRA better than a traditional IRA? The answer is: frequently. Tax-free growth is one of the only things that beat tax-deferred growth. However, you need to evaluate the decision based on a real numbers not a gut reaction.
Invaluable advice for the distribution stage:
When you retire, know your options─hasty or impulsive decisions can have lasting negative consequences.
  • During retirement, preserve your IRA. Learn about the minimum distribution rules and how to use them to maintain the largest balance possible in your IRA.


  • Discover how you can slash taxes on your IRA withdrawals. One of the many tax-savvy strategies covered is to time some of your distributions to coincide with when your tax bracket is the lowest─a legitimate and strategic move that will save you taxes on your IRA distributions.


  • Have you wondered what you should do with your 401(k) plan or other non-IRA plan? A trustee to trustee transfer (commonly called ‘a rollover’) to an IRA may be the best solution.


  • Did you realize spending retirement assets in the correct order is critical for long term security? Knowing which funds to spend first is as important as knowing which funds to invest in first─just the opposite end of the spectrum.


  • You don’t have to schedule your minimum required till the end of the year, but it would be better to schedule it earlier─you don’t want to get caught missing the deadline because the tax penalty is cruel.


  • Curious about when and how to blend Roth IRA conversions into your retirement mix? A long-term strategy for a gradual conversion is our frequent recommendation, but it requires some planning.
Peace-of-mind advice for estate planning:
Many conventional estate plans require constant tweaking to stay current with the changing estate tax laws. But a plan that flexes and accommodates change, such as Lange’s Cascading Beneficiary PlanTM just might offer the perfect solution for you and your family. Flexibility is important because we can’t predict the future; changes in investments and in the tax environment are likely to affect the best plans.
  • Taxpayers with less than $2 million and older wills and trusts should review their estate plans immediately. The higher Applicable Exclusion Amount could force your surviving spouse to have to appeal to a trustee for access to his or her money─the nastiest trap of all.


  • Learn why your beneficiary designation must be filled out correctly to minimize taxes. A mistake can cause income taxes to be due on the entire IRA when you die.


  • Get an inside look at Lange’s Cascading Beneficiary PlanTM which offers the ultimate protection for your spouse, and preserves options for a "stretch IRA" for the benefit of your children and grandchildren. Not only will this make sense for you intuitively, but the advantages of Lange’s Cascading Beneficiary PlanTM have been featured in Newsweek, The Wall Street Journal, Kiplinger’s, Financial Planning, and The Tax Adviser (AICPA).

Are These 5 Common Retirement Planning Mistakes
Part of Your Plan?

  1. Are you spending the money you should be saving and saving the money you should be spending?


  2. Do you have an outdated traditional estate plan?


  3. Are you missing a golden opportunity to make small annual Roth IRA conversions even if you are retired?


  4. If you are still working, have you maximized your Roth IRA and the new Roth 401(k) contribution for you and your spouse?


  5. Are you jeopardizing your family’s security by leaving your money in your former employer’s retirement plan?


Retire Secure! has these answers and more...

How Will Retire Secure! Help You?

  • Discover how, when it comes to saving for retirement, living by the "don’t pay taxes now─pay taxes later" philosophy can be worth almost $2 million over a lifetime.


  • Do you think you might have done "too little too late" to benefit from "paying taxes later"? It’s not true. See our mini case study comparing two 65 year old men; one who pays taxes now and another who pays taxes later.


  • See the graphs and read the strategy for doubling that $2 million with matching contributions from your employer.


  • If you are still working, there is a good chance that you may be allowed to invest more money in your retirement plan than you realize. This could save you $1000’s a year.


  • Read about the 98 year old man who ended up with $1.2 million more in his estate by spending his after tax and retirement funds in the ideal order.


  • See how Smart Dad Danny saves Junior $1 million in taxes by properly titling the IRA he inherits from his grandfather.


  • Read another case study about Ida, who when she was 65, was on a path that would lead to her running out of money at age 86. With some smart planning she guaranteed herself a comfortable income that will last no matter how long she lives. Find out how she did it.


  • Learn how a concerned parent of an irresponsible son used a creative technique to ensure his spend-thrift son’s long term financial security and protect the money from creditors.


  • When Joe retires, discover how he uses NUA to save $80,000 in taxes.


  • See the dramatic impact of giving gifts to children and grandchildren while you are still alive instead of saving it all until you die. Tom and Judy use gifting to save their family over $3 million.


  • Tom and Judy opt for an untraditional estate plan. When Tom dies, because there isn’t the traditional B-trust, Judy saves over $3 million. Discover how different it would be with a traditional estate plan.


  • Make smart, tax savvy choices at retirement and keep making the right moves over time.


  • Avoid trust disasters and learn how you can use them safely and appropriately to ensure your family receives the maximum benefits from all your work.


You can make a huge difference without any changes to your lifestyle or spending habits. By simply adopting the "pay taxes later" philosophy you can have more money during your lifetime and provide your family with a lasting legacy.
  

Free Audio CD:
The Secrets to a Secure Retirement

Purchasing this book entitles you to a FREE full-length audio CD, The Secrets to a Secure Retirement. This CD reinforces crucial concepts from Retire Secure! and gives you many more tax-savvy strategies not covered in the book.
Jim recorded a special session consisting of the highlights from his most popular presentations─ the presentations that receive the highest evaluations from both laymen and financial professionals─and produced this full-length audio CD.
It always helps when you can listen to the material as well as to read it. Reinforce your understanding of the key concepts in the book by listening to Jim’s all time best workshop.
On the CD, Jim shows you how to:
  • Improve your financial outlook with the tax-free growth of a Roth IRA, Roth 401(k), and/or a Roth IRA conversion, including the May 17, 2006 changes


  • Cut taxes on your IRA withdrawals so you and your heirs keep more money


  • Dramatically REDUCE you risk of running out of money by learning which assets to spend first and which to spend last


  • Apply the best accumulation and distribution strategies for your IRA and/or retirement plan


  • Explore how to use Lange’s Cascading Beneficiary PlanTM to get the ultimate protection for your spouse, while preserving valuable "stretch IRA" options for your children and grandchildren (works for single individuals as well)


This free CD reinforces crucial concepts in Retire Secure! and will open your eyes to the possibilities of tax-free growth with Roth IRA conversions and other tax-savvy ideas not covered in the book.
   Listen to a preview of the CD

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James Lange, CPA, JD
2200 Murray Avenue
Pittsburgh, PA 15217
412-521-8007
book@paytaxeslater.com






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