The Election Results Combined with the MASSIVE NEW TAX Hike Hiding in "The SECURE Act" Create Enormous Opportunities and Pitfalls Most Savvy IRA Owners Need to Take Action Before Year-End

"CPA and Attorney Jim Lange provides a road map for tax-efficient retirement and estate planning.” — Charles R. Schwab

Free, No-Obligation Webinars for Married IRA and
Retirement Plan Owners—Don’t Be Left Behind Uninformed and Unprepared
Webinar Dates: Tuesday & Wednesday, December 1 & 2, 2020
Scroll down to learn more about and register for the upcoming webinars!
For many, if not most IRA and retirement plan owners, this year’s year-end planning could be the most critical in history. The convergence of multiple events make year-end 2020 unique. The long-term value of your IRA and/or retirement plan is at stake. Both Roth IRA conversions, and charitable giving strategies could help protect your retirement and your family’s generational financial security.
We invite you to attend one or more of our four webinars on December 1 and 2 to learn what to do and how to do it.

Timing is critical—both from a tax standpoint and the number of days left to make changes. After the passage of the SECURE Act, this is a critical year to defend your IRA and retirement plan.

Our office is in a frenzy running numbers to optimize our clients’ 2020 year-end strategies and here are the contributing factors: 
  • Tax rates will never be lower.
  • For those over 72, this will be the only year you won’t have to take your required minimum distribution (RMD). That could have a huge impact on your tax bracket. It could alter the landscape for Roth conversions.
  • ​For 2020 only, there is no adjusted gross income (AGI) limit on charitable deductions. That opens the doors to multiple charitable planning strategies. 
  • ​Qualified charitable deductions from your IRA if you are age 70½ are now permanently included in the tax laws and you can make one this year despite not having an RMD. They changed the RMD age to 72, but not the QCD age. 
  • ​With President elect Biden’s proposal of lowering the federal estate tax exclusion, 2020 could be a great year to begin or continue a gifting program.
Here’s an overview of the webinar offerings with some details about what each one will cover:
Tuesday, December 1, 2020
Session 1: 10:00 AM – Noon: The Best Estate Plan for Married IRA Owners After the Secure Act: Our Tax-Savvy Thinking
A Clear Explanation of the Tax Consequences of the SECURE Act:
  • The profoundly negative impact of the SECURE Act on Required Minimum Distributions of Inherited IRAs and retirement plans.
  • ​How will this change diminish your legacy, and what you can do to minimize its impact.
  • ​Why the long-term the federal estate tax exemptions are likely to change. In 2020 the exemption stands at $11.58 million per person. That exemption “sunsets” in 2025 and reverts back to $5 million per person. We will cover strategies for that eventuality.
  • ​Do you need to redraft their trusts now that the SECURE Act has become law? You need to find out.
  • ​Should your heirs inherit your IRA directly, or would naming a trust be safer? 
  • ​Surprise Finding: Charitable Remainder Trusts—even if you are not charitably inclined—could be financially advantageous for your family.
  • ​What you should do if you have children of unequal financial strength?
  • ​A unique multi-generational plan that could save hundreds of thousands of dollars for the grandchildren
Click here to register for The Best Estate Plan for Married IRA Owners After the Secure Act: Our Tax-Savvy Thinking webinar.
Session 2: 12:30 – 2:30 PM: Live Q&A with James Lange: Your Questions Answered on IRAs, SECURE Act & More
Jim will answer viewer’s questions submitted in advance of the webinar as well as during the webinar. Don’t miss this opportunity to have your questions answered.
Click here to register for the Live Q&A with James Lange: Your Questions Answered on IRAs, SECURE Act & More webinar.
Wednesday, December 2, 2020
Session 3: 10:00 AM – 12:00 PM: Urgent Action for Tax-Savvy IRA and Retirement Plan Owners to Take Before Year End — 6 Proven Strategies to Help Protect Your Family from Devastating Tax Acceleration Losses
  • Learn what actions should be taken before year-end.
  • ​Learn how to avoid the decimating taxes after the SECURE Act.
  • Using Roth conversions to minimize taxes on your IRA income for decades for both you and your heirs.
  • How to optimize your Social Security distributions.
  • ​Gifting strategies after the SECURE Act.
  • The appropriate reaction to the election results.
Click here to register for the Urgent Action for Tax-Savvy IRA and Retirement Plan Owners to Take Before Year End — 6 Proven Strategies to Help Protect Your Family from Devastating Tax Acceleration Losses webinar.
Session 4: 12:30 – 2:30 PM: A Live Q&A with Larry Swedroe and Adam Yofan of Buckingham Strategic Wealth: Your Questions Answered on Investing, Wealth Management and Preservation & More
Larry Swedroe and Adam Yofan will answer viewer’s questions submitted in advance of the webinar as well as during the webinar. Don’t miss this opportunity to have your investment questions answered. 

Larry Swedroe, Chief Research Officer of Buckingham Strategic Wealth, educates individuals on the benefits of evidence-based investing. Larry was among the first authors to publish a book that explained the science of investing in layman’s terms.

He has since authored 9 more books and co-authored 7 books on investing, including his newest book, The Incredible Shrinking Alpha: How To Be A Successful Investor Without Picking Winners, 2nd Edition. Larry has made appearances on NBC, CNBC, CNN, and Bloomberg Personal Finance.

Adam Yofan, CPA, PFS, leads Buckingham Strategic Wealth’s Pittsburgh office. Adam navigates clients toward financial clarity by defining goals and needs, reviewing assets, providing recommendations, implementing and managing portfolios, and tracking progress as they pursue well-defined goals. His goal is to protect and grow a client’s wealth.
Click here to register for the Live Q&A with Larry Swedroe and Adam Yofan of Buckingham Strategic Wealth: Your Questions Answered on Investing, Wealth Management and Preservation & More
Past performance may not be indicative of future results. All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
You and your spouse are cordially invited to attend any or preferably all of our free, no-obligation webinars listed below:

In these webinars, you will discover how to:
  • Appropriately respond to the election results.
  • ​Optimize your Roth IRA conversion planning under the new tax laws.
  • ​Dramatically reduce your risk of running out of money.
  • ​Understand the new thinking for which assets you should spend first and which assets you should spend last.
  • ​Maximize your Social Security benefits.
  • ​Leverage an effective and easy-to-use investment strategy that has a history of outperforming active money managers.
  • ​Develop the best estate plan for your family.
  • ​And much more…
Act now! Stop the IRS from commandeering your hard-earned wealth. Find ways for your heirs to get the biggest benefits from your hard-earned money.

Don’t let Washington’s planned tax-grab eviscerate your family’s wealth! If you miss out on these important wealth-protection workshops, your children could see your estate decimated. You don’t want that. That is not the legacy you’ve dreamed of.

4 Valuable Bonus Gifts:
Yours FREE When You Attend Any December Webinar!

FREE Bonus 1: Attend and you will receive a copy of our new hard cover book, The IRA and Retirement Plan Owner’s Guide to Beating the New Death Tax, detailing how to respond to the SECURE Act. (Cover Price: $24.95).

Free Bonus 2: You will receive a copy of James Lange’s 420-page, hardcover best-seller, Retire Secure! Third Edition, our gift to you. (Cover Price:  $24.95)

Free Bonus 3: You will receive Jim’s book on Social Security, The $214,000 Mistake: How to Double Your Social Security & Maximize Your IRAs. (Cover Price:  $9.95)

Free Bonus 4: Attendees interested in assets under management services* and/or “running the numbers” for their family and/or will and trust preparation may be eligible for a FREE Retire Secure Initial Consultation with Jim Lange. To keep everyone healthy, all consultations will be held over Zoom or conference call. (Value: $600.00)
About Our Speaker
James Lange, CPA, Attorney and Financial Advisor
Author of 8 Best-Selling Books
With more than 3 decades of estate and retirement planning experience, James Lange and his team have drafted 2,734 wills and trusts.

Jim's tax and estate planning strategies have been endorsed by The Wall Street Journal (36 times), Newsweek, Money, Smart Money, Forbes, Reader's Digest, Bottom Line, and Kiplinger's.

He is a paid contributor for Forbes.com and his arti­cles have appeared in Bottom Line, Trusts & Estates, Financial Planning, The Tax Adviser, Journal of Retirement Planning, and The Pennsylvania Lawyer magazine.

Jim is the author of 8 best-selling books including Retire Secure! (Wiley, 2006 and 2009 and Self-Pub­lished, 2015), The Roth Revolution, Pay Taxes Once and Never Again, and his latest book, The IRA and Retirement Plan Owner’s Guide to Beating the New Death Tax.
Jim created Lange's Cascading Beneficiary Plan, a method for structuring retirement plan beneficiary designations to optimize tax savings and ensure your family is properly taken care of. His analysis has been peer-reviewed by the top tax journal in the country, the American Institute of CPAs magazine, The Tax Advisor. 
*All reviews are for Jim's books, not his services. 
“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 R. Schwab, Chairman and Founder,
   The Charles Schwab Corporation

"Think of Retire Secure! as a GPS for your money. 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."*

—Larry King, Larry King Now

"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

“This is simple:  if you have a large IRA, you need to learn how The SECURE Act killed the IRA Stretch—and what to do about it.”

—Julie Jason,
   Author, The Retirement Survival Guide

"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."
 
—Dr. Allan Meltzer (deceased),
    Political Economy Professor,
    Carnegie Mellon University

“Few advisors are as knowledgeable about IRAs and retirement plans as Jim Lange. His timely strategies could save families of IRA and retirement plan owners hundreds of thousands of dollars.”

—Nicole L. Maholtz,
   President and CEO Brentmark Software
   (The top IRA software trusted by most IRA experts)

“Jim Lange has packed an astounding amount of information and warnings on how the SECURE Act will negatively impact unsuspecting clients — and clear and practical suggestions for how to deal with this stealth tax.”

—Stephan Leimberg, Esq.,
Lange Financial Group, LLC - Copyright 2020 - All Rights Reserved