Unintended Benefits of New Trump Tax Laws:
A Bright Spot for University Retirement Plan Owners (TIAA-CREF, Vanguard, etc.) Who Act Quickly

Only 2018 workshop for University Faculty
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Thursday, October 25, 2018
Wyndham Pittsburgh University Center
100 Lytton Avenue, Pittsburgh, PA 15213
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Free University Faculty Workshop
Thursday October 25, 2018
Wyndham Pittsburgh University Center
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Announcing the most lucrative and 100% legal tax-reduction strategy for married university faculty.  
Unintended Benefits of New Trump Tax Laws: A Bright Spot for University Retirement Plan Owners (TIAA-CREF, Vanguard, etc.) Who Act Quickly
This new workshop includes not only the changes in the tax rates that we refer to as Trump’s New Tax Law that was passed in December 2017, but also the executive order that he issued on September 11, 2018 that changes the rules on Required Minimum Distributions (RMDs).
Make your TIAA-CREF accounts last as-long-as possible. Retire secure for life! 
And leave a rich legacy of wealth for your children and grandchildren.
We have 632 university faculty clients and we know the information you need to
potentially increase your wealth and financial security. 
  •  Reserve your place today for any or all our FREE workshops by calling 412-521-2732.
  •  We expect a high turnout. Reserve as soon as possible. 
  •  Both spouses are encouraged to attend.  
  •  Free refreshments will be served.
Who Says You Can't Control From the Grave?

How University Faculty Can Use Trusts to Protect Their Family
  •  What are the unique Trust and estate planning considerations when your biggest asset is your TIAA-CREF or Vanguard retirement plan?
  •  Should your heirs inherit your IRA directly, or would naming a Trust be safer?
  • Is it worth the aggravation of creating a Trust, knowing your family will face administrative costs and additional aggravation after you are gone?
  •   If Trust planning is appropriate for your family, which Trusts should you use?
  •  Is the "I Don't Want My No Good Son-in-Law to Inherit One Red Cent of My Money Trust" right for you? 
  •  Do you think you need Trusts for minors, or children or grandchildren with special needs?
  •   Would you like to protect adult children from their own bad judgement and creditors with a Spendthrift Trust?
  •  Should university faculty plan to avoid probate? 
  •  What are the benefits of Lange's Cascading Beneficiary Plan - the best and most flexible estate plan for married faculty members? And is it more crucial than ever under the new tax laws?
Unintended Benefits of New Trump Tax Laws:

A Bright Spot for University Retirement Plan Owners 
(TIAA - CREF, Vanguard, etc.) 
Who Act Quickly
  •  The unique advantages and constraints the new tax laws present for university faculty, most of whom have the majority of their retirement assets in TIAA-CREF, Vanguard and IRAs
  •  How to plan for your TIAA-CREF and other retirement plans after you die, so your heirs can get the most out of your legacy. 
  •  How the new tax legislation creates opportunities and pitfalls for TIAA-CREF owners.
  •  Optimal timing for Roth IRA and other Roth conversions that can put hundreds of thousands of extra dollars in your pocket and potentially millions for your heirs.
  •  The best plan for taking distributions from your retirement accounts. 
  •  The one single decision that can get you bigger Social Security checks.
  •  The synergistic calculation that optimizes Social Security and Roth IRA conversion benefits, creating up to $800,000.
  •  Using Lange's Cascading Beneficiary Plan to ensure financial security for your surviving spouse and potentially save hundreds of thousands of additional assets to pass on to your children and grandchildren.  
  •  The Trust that can allow your beneficiaries to "stretch" the IRA over their lifetime that more than 90% of faculty memebers get wrong and could cost your heirs over a million dollars. 
Specialty Investing and Planning for University Faculty
  •  Solve one of the great mysteries of life: What is the most advantageous way to get your money out of TIAA-CREF when you retire?
  •  A user guide to TIAA: learn about the distribution limitations at retirement for TIAA, and what, if anything, you should do about it now. 
  •  Critical analysis of the appropriate asset allocation for a CREF Stock Fund as well as Vanguard, and much more.
  •  The advantages and disadvantages of annuitizing at least a portion of your retirement plan. 
  •  Index vs. Active Investing: A comprehensive comparative analysis.  
  •  The solution to faculty member's greatest investment dilemma: how to maximize your wins and minimize your losses in a volatile market. 
From the Desk of James Lange: 
Small hinges swing big doors. One of the remarkable things about working with university faculty is the frequent opportunities to generate massive financial benefits with relatively little time and money...if you know what to do. We know what to do. Working with faculty is significantly different from working with the non-faculty population. Faculty require and deserve special treatment. 

Most professors have, or will have, most of their money in TIAA-CREF or other tax-deferred retirement plans. There are specialized rules for TIAA that most advisors are unfamiliar with. These rules necessitate specialized investment and retirement planning strategies. 

Coordinating the TIAA constraints with multiple other retirement plan contracts including GRAs, SRAs, 401(k)s, 403(b)s, 457s, etc. is an area where we have years of experience. To further complicate matters, retirement plan rules are unique to the institution that's providing the plan. The rules that apply to a 403(b) set up through Carnegie Mellon may differ from those that apply to a 403(b) retirement plan contract provided through the University of Pittsburgh. Taking action without knowing the rules can cripple your financial future. 

Although most faculty refer to "TIAA-CREF" as if it were a one-word acronym for a single organization, TIAA and CREF are actually distinct entities, each with its own specialized rules. The strategies processors should implement for their TIAA holdings are different from the strategies professors should use to optimize their CREF investments. And these workshops will help you untangle and understand the most important of these issues. 

I want to stress that most faculty have enormous opportunities to make life-changing improvements to their financial and retirement planning. Why wouldn't you want to learn how to do that? To the extent that other advisors even try to give advice to CREF participants I profoundly disagree with their "standard" advice. In the third session fo the day, I will detail what this "standard advice" is and why 
my strategies are better for you and your family. 

The second attribute that a good advisor should have, after proving they have complete command of the technicalities, is a good understanding of a client's mindset, goals, and dreams. Most faculty members have a radically different mindset about money than the general population, even people with roughly the same financial resources.

Here are some distinctions I have identified: most of you didn't enter academia for the money; most of you have not taken the time to come up with a "masterplan" regarding your finances; most of you have contributed to your retirement plan at work, taken advantage of the university match, and have done so on a consistent basis for many years. Those contributions provide a start for a fabulous "masterplan." But to develop an effective "masterplan," you need access to an expert in advising professors about these topics who knows the idiosyncrasies of academia-sponsored plans. You also need to know what's new and what you should be doing right now. That's what makes these workshops so valuable. 
Here's the First Step to Building Your Wealth Under the New Trump Tax Law
The current historically low tax rates, realistically, are unsustainable. Hopefully we will get a Democratic Congress in November and a Democratic administration in 2020 that will make changes sooner rather than later. But, whether we do nor not, timing Roth IRA conversions with low tax rates is an incredibly advantageous strategy. It can save you and your family over one million dollars by utilizing the right strategies. 
Roth conversions are possible within the TIAA-CREF or Vanguard system. Most professors can, but don't know they can make Roth conversions using money in their retirement plans at work. But, time is of the essence. The inevitability of tax increases creates a mathematically compelling case for faculty members to look closely at Roth IRA and other retirement account Roth conversions before it is too late. 

Traditionally, the best time to convert a traditional retirement plan to a Roth is after you stop receiving income from your job, but before you turn 70. That's when RMDs and Social Security benefits boost your income again. The ideal time for a Roth IRA conversion is during the short window while you are in your lowest tax bracket. But the new tax laws open that window for a much broader group of tax payers.

Even more exciting, multiple years at lower tax rates, which the new tax law is likely to give us, could present a golden opportunity to gain longer-term protection from inevitable tax increases. The new lower tax rates are set to expire December 31, 2025, but there might be major changes in 2020. So the time to lock in those savings is NOW. You know the adage...don't look a gift horse in the mouth. Hopefully, for the sake of the country and our deficit, a new administration will take over and reverse some of the changes, but right now, we have an opportunity. 
That doesn't mean everyone should be considering a large Roth conversions. Each person's unique situation must be evaluated for the pros and cons. You must factor in additional premiums on Medicare Part B, the impact on qualified dividend exclusion, capital gains rates, as well as investment income tax rates. you either need to get the right advice or work with the right advisor to get the most out of what you've got. 

The workshop will also introduce you to the best estate plan for married TIAA-CREF and other retirement plan owning university faculty. It's called, Lange's Cascading Beneficiary Plan. It solves the problem of uncertainty in predicting the future for estate planning purposes. 

We will provide you with our guidelines for managing, RMDs from retirement accounts, including recommendations for your heirs. We will also cover smart Trust-planning, the advantages of low-cost index investing, and so much more. 

About Our Speaker
James Lange, CPA, Attorney and Financial Advisor
Author of 6 Best-Selling Books
James Lange and his team have been serving university faculty for 32 years. Jim has 632 university faculty as clients. The team understands the unique tax, retirement, estate, and financial planning needs of university faculty and have proven solutions to address those needs. Jim has a personal connection to university life as well, since both his mother and brother were university faculty. 

While they have years of experience working with clients with TIAA-CREF and Vanguard, neither Jim nor any of his team are affiliated with TIAA-CREF, Vanguard, or any university directly or indirectly. 

Jim's estate and tax planning strategies have been endorsed by The Wall Street Journal (36 times), The New York 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 he has authored five peer-reviewed articles in Trusts & Estates. Jim is a regular columnist for Forbes.com.
Mr. Lange is the author of six best-selling books, including three editions of Retire Secure!, endorsed by Charles Schwab, Larry King, Ed Slott, Jane Bryant Quinn, Roger Ibbotson, and 50 other experts; The Roth Revolution, endorsed by Ed Slott, Natalie Choate, Bob Keebler; The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA, endorsed by Bill Flanagan, Paul Merriman, and Burton Malkiel and The $214,000 Mistake, How to Double Your Social Security and Maximize Your IRAs endorsed by Larry Kotlikoff, Jonathan Clements, Paul Merriman, and Elain Floyd. 
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
Discover Tested Strategies to Retire Secure for Life While Maintaining Your Present Lifestyle! 
You and your spouse are cordially invited to attended any or
all of our FREE October 25th workshops listed here:
Call 412-521-2732 today
while seats are still available!

Most of us are miserable about what is going on politically. But there is a bright spot for your finances. The new Trump tax laws are going to create opportunities and minefields for TIAA-CREF and other retirement plans. In these FREE workshop, university faculty will discover how to use cutting-edge, peer-reviewed, tax-reduction strategies. You'll discover how to maximize Roth IRA conversions...Social Security benefits...Trusts...index investing...and many other strategies designed to significantly bolster your retirement savings and estate. 

These workshops are designed to help you:
  •  Dramatically reduce your risk of running out of money. Our motto: retire secure for life.
  •  Determine a strategy for your TIAA-CREF and Vanguard assets: what you should be doing now and what you are allowed to do at retirement. 
  •  Optimize your Roth IRA IRA and TIAA-CREF conversion planning under the new Trump tax law.
  •  Maximize your Social Security benefits 
  •  Understand the unique strategies for TIAA-CREF participants and much more...
Discover how university faculty can use the new tax legislation to their advantage. Attend Jim's FREE workshops in October, where he will reveal the latest improvements to his effective - and 100% legal - tax-saving strategies.
Who Says You Can't Control From the Grave?
How University Faculty Can use Trusts to Protect Their Families
How, When, and Why to Name Trusts as Beneficiaries 
of TIAA-CREF or Other Retirement Plans
Let's assume most of your estate consists of money you have not yet paid income tax on, like your TIAA-CREF and Vanguard retirement accounts. Let's also assume you want to name a Trust as a beneficiary or even a contingent beneficiary (like a Trust for a grandchild) of at least a portion of your retirement plan. That Trust must meet five specific conditions to get the favorable tax treatment that your heirs will receive after you die. 

Unfortunately, more than 90% of Trust that are drafted fail to meet these conditions. The families with botched Trusts face massive income tax acceleration which will often cost the family more than a million dollars. 

We are acutely aware of the requirements for drafting a Trust. Find
out how to avoid that financial catastrophe for your family. 

Maybe you want to prevent your grandson from blowing his inheritance on a Ferrari when he is 21? Learn about Trusts to protect younger beneficiaries from irresponsible spending. 

Perhaps you are worried that your no-good son-in-law will divorce yoru daughter and walk away with a lot of your money. You might need the "I don't want my no-good son-in-law to inherit one red cent of my money" Trust. 

Trusts for adult children are often appropriate, and this workshop helps distinguish when you should and should not have a Trust. The workshop also addresses the issue of whether avoiding probate is worth the time, effort, and expense. 
Unintended Benefits of New Trump Tax Laws: 
A Bright Spot for University Retirement Plan Owners
(TIAA-CREF, VANGUARD, etc.) Who Act Quickly
As demonstrated by the graph, optimizing your Social Security and Roth IRA conversion planning can make a difference of as much as $800,000 – and it could be even more under the new Trump tax laws.
Chart Assumptions:
  • There are two couples with the same investments, the same earnings record for Social Security, and tax rates. But, there are significant differences in their Roth IRA conversion and Social Security strategies. 
  •  Couple #1 (represented by the solid line) takes their Social Security as soon as they can, at age 62. They do not make any Roth IRA conversions.  
  •  Couple #2 (represented by the dashed line) optimizes Social Security and Roth IRA conversions. They wait until age 70 to file for Social Security benefits, and they make annual $50,000 Roth IRA conversions from the age of 62 to age 70. 
Question: Why would you pay taxes up-front and convert a portion of your TIAA-CREF or other retirement plan to a Roth IRA? 

Answer: A Roth IRA could grow income tax-free for the rest of your life, your spouse's life, your kid's lives, and even your grandkid's lives. Roth conversions coupled with smart Social Security decisions, could increase your purchasing power and your family's purchasing power by tens of thousands, potentially hundreds of thousands or even a million dollars. The timing can be especially important for professors, who tend to work long past Full Retirement Age (FRA) which is currently 66 for people born between 1943 and 1954. 

The benefit to future generations is impressive but the real eye-popper is that Roth IRA conversions are great for older faculty during their life-time. 

For married university faculty, Roth IRA conversions and optimizing Social Security benefits can help protect the surviving spouse who will usually be the wife. Doing the rest thing to protecting the wife's financial security may be the most important numbers game you ever played. 
Jim Lange grew up in a family of academics (his mother, brother, and many friends are or were university faculty) and has been working with university faculty to develop personalized retirement and estate planning strategies for 34 years. Jim has 632 faculty members as clients. These workshops address the unique constraints and advantages of university retirement planning. There's plenty of good information and strategic planning advice generally available. But it caters to individuals preparing for retirement from the corporate world. There is considerably less good information that addresses the unique tax, estate, and retirement planning needs of those who have spent their careers in academia. Don't you think it's time you learned about retirement and estate planning strategies designed specifically for university faculty? 

This information-packed workshop, with Roth IRA analysis, peer-reviewed and vetted by the American Institute of CPAs most prestigious tax journal, can help you get more tax benefits from a Roth IRA conversion, and more security for your family. And it's newly updated to maximize your savings under the new Trump tax laws. 

Specialty Investing and Planning for University Faculty
Navigating the world of retirement planning can be difficult for everyone, but for those who spend their careers in academia it presents unique challenges. For university faculty, the critical decision making begins while you are still working. This session will cover faculty-specific investing and planning topics including: the specialized strategies for both TIAA and CREF investing and how to navigate the significant limitations upon retirement distributions from TIAA accounts; and more. 

We'll also address and provide a comprehensive solution to faculty members'' greatest investment dilemma. We know that historically, long-term market returns have outpaced returns on fixed income streams. 

The appeal of fixed income streams, however, is their apparent safety. But remember, investing exclusively in fixed income puts you at risk of losing purchasing power to inflation and taxes and potentially wiping out your financial legacy. In contrast, investing exclusively in the market leaves you open to financial ruin in the 
the market leaves you open to financial ruin in the event of a significant downturn. So, what should you do?
  •  Here are some non-solutions: market timing, commercial annuities and other high commission and high-fee products including life insurance. 
  •  Here are some elements of the solution you'll discover at the workshop: low-cost index investing, appropriate asset allocation, and optimal tax planning. 
  •  To discover the last element that we think is the real key, you have to attend the workshop. 
The Lange-edge is a customized mix of these important strategies and instruments. Hundreds of university faculty members are sleeping like babies, knowing their portfolios are constructed to grow, but also to weather future market downturns. Why not you?
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. 
5 Bonus Gifts: Yours FREE When You Attend Our FREE University Faculty Workshops!
To claim your 5 bonus gifts worth over $575, call 412-521-2732 today. Investment advisory services offered by Lange Financial Group, LLC. 
Free Bonus #1
Register today and you will get a copy of James Lange's 420-page hardcover book, Retire Secure! Third Edition, our gift to you. (Cover Price: $24.95)

Free Bonus #2
Attendees also receive a copy of James Lange'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 not only for the rest of your life, but for your children and grandchildren after you are gone. (Cover Price: $18.88)

Free Bonus #3
Attendees will receive James Lange's book on Social Security, The $214,000 Mistake: How to Double Your Social Security and Maximize Your IRAs. (Cover Price: $9.95)

Free Bonus #4
Attendees will receive a copy of Jim's article, The Best Retirement and Estate Plan for University Faculty. 

Free Bonus #5
Attendees interested in the preparation of Wills and Trusts or retirement and estate advice are eligible for a FREE Second Opinion Consultation with Matt Schwartz, our top estate attorney. Attendees with $750,000 or more of investible assets who might be interested in developing a comprehensive financial plan for maximizing their retirement and estate, while minimizing taxes, are also eligible for a FREE Second Opinion Consultation with the speaker, James Lange. (Value: $525.00)

Attend Jim Lange's Retirement and Estate Planning Workshops for University Faculty FREE in October!
These local workshops are free, but seating is limited, and we expect a high turnout.
Thursday, October 25, 2018 - Wyndham Pittsburgh University Center
100 Lytton Avenue - Pittsburgh, PA 15213

To register for any or all of our FREE workshops, call 412-521-2732 today while seats are still available. 
Both spouses are encouraged to attend. Free refreshments will be served. 
*All reviews are for Jim's books, not his services. 
Charles R. Schwab calls Retire Secure! "an invaluable resource for investors." 

This is the consummate reference manual for funding institutional retirement plans, weighing strategies that include traditional IRAs, Roth IRAs, supplemental plans, etc. as well as individual plans. It clarifies the rules pertaining to required minimum distributions from retirement plans, while you are alive and after you are gone. It will help you evaluate gifting strategies appropriate for your family. And, you will find a thorough analysis of the best estate plan for married IRA and retirement plan owners...all that, and much more. 

"Think of Retire Secure! as a GPS for your money," raves Larry King, Larry King Now. "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, AARP, Bloomberg.com

"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
Lange Financial Group, LLC - Copyright 2018 - All Rights Reserved