Discover These Under-Publicized Retirement and Estate Planning Secrets That Can Help Married Couples between the Ages of 60 – 75 Keep Their Wealth in Their Family …
and Out of Uncle Sam’s Hands!
These FREE workshops are especially valuable for
men and women with IRAs of $500,000 or more.
“CPA and attorney Jim Lange provides a road map for tax-efficient retirement and estate planning.”
— Charles R. Schwab, Chairman & Founder, The Charles Schwab Corporation
Note: Workshops at this location usually fill to capacity and we’re confident these will as well because of the importance of the new law. So I urge you to reserve your seats today while space is still available.
The federal government wants to end what has been the greatest tax break for retirement accounts in U.S history…
…and not many advisers are talking about it with their clients who are at risk—which is just about all of us.
The Senate Finance Committee voted 26-0 to kill one of the best methods that middle-class retirees have for passing money onto their heirs — the stretch IRA.
If the law passes, and it appears likely that it will in 2017, up to 1/3 of your IRA or 401(k)will be lost to taxes after you die. So much for your children and grandchildren benefitting from all your years of saving and hard work.
The good news is our CPAs and attorneys have devised five (5) strategies that can dramatically reduce the impact of these devastating changes. I will be sharing these strategies and more in our new workshop, How to Stop Pending Changes in Tax Laws from Taking Up to 1/3 of Your IRAs and Retirement Plans. Don’t miss it if you can.
I am also presenting two of our most popular workshops on trusts and the power of index fund investing. The combined information could be life-changing.
Saturday June 24th, 2017
Monroeville Courtyard Marriott
3962 William Penn Highway
Monroeville, PA 15146
To attend any
or all of our FREE
today to RSVP
or fill out the forms
on this web page
Seating is limited. Call
while seats are still available.
Spouses are encouraged
Free refreshments will be served.
Discover How to Create a Secure Financial Future for You and Your Family— for FREE! —while there’s still time!
In these FREE workshops for PA residents, you will discover how to use cutting-edge, peer reviewed, tax-reduction strategies… Roth IRA conversions… Trusts… life insurance… index investing… and many other under-publicized strategies to significantly bolster your retirement savings and your estate.
These workshops are designed to help you:
• Dramatically reduce your risk of running out of money–to ensure that you can retire secure for life.
• Determine which assets to spend first–and which to spend last.
• Optimize your Roth IRA conversion planning.
• Maximize your Social Security benefits.
• Protect your family and plan for your estate.
• Understand an investment strategy that has a history of outperforming active money managers. (Note: past performance is no guarantee of future results).
• And much more…
So take action NOW! Stop the IRS from confiscating your hard-earned wealth and taking away hundreds of thousands of dollars in inheritance you want to leave your heirs. Attend Jim’s FREE workshops in June. Discover his uncannily 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 leave your kids and grandkids with a mere pittance! If you miss out on these important wealth-protection workshops—and Congress kills the stretch IRA—you could see your estate decimated. You don’t want that. And your kids and grandkids may never forgive you!
9:30 AM – 11:30 AM
Who Says You Can’t Control From the Grave? Using Trusts to Protect Your Family
Are your kids fiscally conservative and financially responsible? Do they save sensibly or way overspend on luxuries and toys they can’t really afford?
You won’t always be around to make sure your children, their spouses, your grandchildren, and your other heirs are fiscally responsible with the inheritance you leave them.
But by using Trusts, as Jim shows you in this workshop, you can maintain control over your wealth, including your IRA, and ensure your heirs hang on to it and use it responsibly, long after you are gone.
Another issue that is addressed in depth in this workshop is whether it is worth it to go through the extra time, effort and expense of avoiding probate.
Worried that your no-good son-in-law will divorce your daughter and walk away with half of the money you left her? Learn about the “I don’t want my no good son-in-law to inherit one red cent of my money trust.” Want to stop your grandson from blowing his inheritance on a Porsche when he is 21?
Here are the Trust strategies that can keep your wealth intact and help protect your heirs from their creditors and from their foolish mistakes. Trusts for adult children, however, are often not appropriate—and this workshop helps distinguish when you should and should not have a Trust.
• Is Trust planning appropriate for your family? Which Trusts should you use?
• Trusts as the beneficiary of your IRA.
• No Ferrari at 21! — Trusts for minors.
• I Don’t Want My No Good Son-in-Law to Inherit One Red Cent of My Money Trust! to protect family inheritances.
• Trusts for special needs children or grandchildren.
• Spendthrift Trusts: how to protect challenging adult children from themselves.
• The Cruelest Trap of All — outdated (and potentially disastrous) tax-motivated Trusts in traditional Wills.
• A new use for an old Trust to respond to the proposed tax changes.
• The advantages and disadvantages of avoiding probate.
• Lange’s Cascading Beneficiary Plan: the best estate plan for married couples, which now takes on even greater importance with the proposed tax laws.
1:00 PM – 3:00 PM
How to Stop Pending Changes in Tax Laws from Enabling the IRA to Legally Take Up to 1/3 of Your IRAs and Retirement Plans
By combining Optimal Retirement Planning, Social Security Optimization, Strategic Roth IRA Conversions, Appropriate Trusts, and Low-Cost Index Funds You Can Keep Your Wealth in Your Family… and Out of Uncle Sam’s Hands!
Since 2001, the IRS has permitted beneficiaries—both children and grandchildren—to stretch distributions of the money from inherited IRAs over their lifetime. By paying the income taxes on relatively modest annual distributions for many years they continue to benefit from tax-deferred growth.
Known as the “stretch IRA,” this benefit has long been the greatest opportunity taxpayers have had to pass on their wealth to heirs relatively intact and with a minimum of estate taxes.
• Child inherits IRA at age 45, and earns $100,000 annually during working years
• Child retires at age 67, and receives $40,000 in Social Security income annually
• $90,000 Expenses, adjusted annually by 3.5% • Rate of Return is 7%
Well, the federal government, with a national debt of more than $19 trillion1, is in desperate need of cash. So a few years ago, they decided that killing the stretch IRA would be a good way to get their hands on some of the $18 trillion2 Americans hold in their retirement accounts.
And sure enough, the government has now officially pounded the first nail into the stretch IRAs coffin: On September 21, 2016, the Senate Committee on Finance this time voted 26-0 to ask Congress to kill the unlimited stretch IRA.
Jim Lange was one of a handful of financial advisors to predict the end of the stretch IRA was close at hand, which he did in two articles published in the January and February 2016 issues of the peer-reviewed tax journal, Trusts & Estates.
If the new law passes (and it seems very likely to do so in 2017), your beneficiaries will have to pay taxes on the retirement account they inherit within five years of your death, with an exemption of $450,000.
The good news is that the new law will not apply to surviving spouses, but only to most other heirs. The tax payments could be financially devastating to your beneficiaries as the larger distributions could be taxed at the highest tax rates, currently 39.6%.
In this workshop, Jim shares with you important steps you can take to reposition your retirement and estate plans for the imminent end of stretch IRA provision— and potentially keep hundreds of thousands of extra dollars of your wealth in your family.
• How to avoid massive taxation of your retirement plans after the new law passes.
• How the new $450,000 exemption rule can work in your favor.
• Five 100% legal strategies we were forced to craft to keep legacy wealth in your family for generations.
• Minimize taxes for decades with Roth IRA conversion strategies.
• Charity begins at home — A special trust for your children providing lifetime income.
• Gifts for kids and grandkids — Keep money in the family that grows tax-free.
• Advantages of a flexible estate plan: How decisions for bequests made after the first death can bring clarity, purpose and appropriateness to estate decisions.
3:15 – 3:45 PM
What Makes More Money? The S&P 500 or Active Money Managers?
Another great strategy to build your retirement wealth and estate: invest in no-load, low-cost, well-diversified, and tax-efficient index funds. Our preferred sets of funds, Dimensional Fund Advisors (DFA), were previously only available to institutional investors.
In fact, only 0.15% of asset management firms are approved to offer clients access to these funds. Lange Financial Group is one of them, enabling our clients to own Dimensional Fund Advisor Funds.
Over the long term, we believe DFA index funds will have an advantage over their Vanguard counterparts, even after subtracting a presumed 1 percent annual management fee.
Paul Merriman, a well-known retired investment advisor who used both Vanguard and DFA during his career, has said that he has his own money in DFA funds for two reasons. First, he likes the DFA investment options. Secondly, DFA funds come with an advisor who can be extremely helpful in terms of asset allocation and rebalancing.
Clients who work with us for money management services, as well as retirement and estate planning, get to participate as we run personalized projections for many areas including Roth conversions, Social Security planning, safe withdrawal rates, and other ways to maximize your returns while protecting your wealth.
Here’s a statistic that your money manager may not want you to know: according to the 2015 Year-End SPIVA U.S. Scorecard, more than 8 out of 10 active funds underperform their benchmark indexes. The truth is you’re likely better off with an optimized portfolio of index funds.
In this special bonus workshop, we’ll cover:
• Picking stock piecemeal or trusting the law of averages — Who wins over time?
• Benchmarks in the investment world — Statistics on who meets them and who doesn’t.
• Dimensional Fund Advisors (DFA) — index funds, engineered using Nobel Prize winning research.
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.
About James Lange, CPA and Attorney
With more than 3 decades of estate and retirement planning experience, James Lange and his team have drafted 2,396 Wills and Trusts. Jim is the creator of the Lange Cascading Beneficiary Plan and The Roth IRA Institute.
Jim’s 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 two 2016 articles regarding the “Death of the Stretch IRA” and showing investors what they can do to protect their wealth against it in the peer-reviewed journal, Trusts & Estates.
Jim is the host of The Lange Money Hour on KQV 1410 AM. He is also the author of six best-selling books, including 3 editions of Retire Secure!, endorsed by Charles Schwab, Larry King, Ed Slott, Jane Bryant Quinn, Roger Ibbotson…The Roth Revolution, endorsed by Ed Slott, Natalie Choate, and Bob Keebler… The Little Black Book of Social Security Secrets, endorsed by Jonathan Clements, Paul Merriman, and Elaine Floyd, and his most recent book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA, endorsed by Bill Flanagan, Paul Merriman, Burton Malkiel, and Jonathan Clements.
Attend Jim Lange’s Retirement and Estate Planning Workshops for FREE in June!
These local workshops are free. But seating is limited. There is room for only 40 people to attend.
We expect these workshops to fill up fast!
Saturday, June 24th, 2017 • Monroeville Courtyard Marriot
3962 William Penn Highway • Monroeville, PA 15146
To register, call 412-521-2732 today or fill out the web form on this web page while seats are still available. Spouses are encouraged to attend. Free refreshments will be served.
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 as a GPS for your money,” raves Larry King. “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/Bloomberg.com/AARP “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.
4 Valuable Gifts – A Bonus for Simply Attending Our FREE Workshop!
To claim your bonus gifts worth almost $600, call 412-521-2732 today. Investment advisory services offered by Lange Financial Group, LLC.
Free Bonus Gift #1
Register today and you will also get a FREE copy of James Lange’s 420-page hardcover book , Retire Secure! Third Edition, updated for 2015., a comprehensive tax-saving guide to retirement and estate planning (Cover price: $24.95)
Free Bonus Gift #2
Attendees will receive a FREE copy of James Lange’s 276-page best-seller, The Roth Revolution. In this book, Jim shows how to use a series of Roth IRA conversions to grow your IRA income tax-free not only for you throughout your life, but also for your children and grandchildren after you are gone. (Cover price: $18.99)
Free Bonus Gift #3
Your next gift is a copy of James Lange’s newest book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA, which outlines five proven strategies for keeping your wealth within your family—and out of Uncle Sam’s hands. (Cover Price: $12.95)
Free Bonus Gift #4
Attendees interested in the preparation of wills and trusts and/or financial services are eligible for a FREE Second Opinion Consultation. (Value: $525.00)
“You may know where you are and where you want to go, but you don’t know how to get there. Jim Lange offers the best routes.” — Larry King, CNN