Retire Secure!: Pay Taxes Later - The Key to Making Your Money Last as Long as You Do - Tapa dura

"Retire Secure!" tackles the number one fear facing most IRA and retirement plan owners: running out of money too soon. Lange, a nationally recognized IRA expert, offers specific and practical strategies to successfully navigate the three stages of retirement planning: accumulation, distribution, and estate planning. "Retire Secure!" explains the tax advantages and long term wealth building strategies of selectively and strategically putting money into IRAs, Roth IRAs, 401(k)s, Roth 401(k)s and the myriad other retirement plan options available to individuals working in the corporate world, the non-profit sector, as well as individual proprietors. The book proves that putting money into tax advantaged retirement plans beats "traditional saving" in the after-tax environment. The book sheds new light on best practices for spending your IRA and retirement plan dollars and your traditional savings.Many readers will be surprised to discover that the order in which assets are spent is not a trivial consideration-it can make or break the bank. It also outlines Lange's exceptional estate plan - a plan that has been featured in the "Wall Street Journal" and many other fine financial journals. The book offers financial planning strategies and tactics in plain English that everyone can understand - and using humor and interesting characters in real life situations the book escapes the dreaded dry financial tome tone. For example, Chapter 1 offers a great mini case study that charts the financial destiny of Mr. Pay Taxes Later and Mr. Pay Taxes Now. Both start saving when they are age 30, but when Mr. Pay Taxes Now reaches age 90, he is broke, while Mr. Pay Taxes Later has $1,946,949 left. Chapter 8 is devoted to a complete case study of "Eddie's and Emily's" entire retirement decision making process.The book is endorsed by more than 31 leading financial experts, including Charles Schwab, and Roger G. Ibbotson, Yale Professor and perhaps the world's foremost authority on asset allocation. As a bonus, readers who purchase this book can receive a free information-packed CD.'"Retire Secure!" is your playbook for winning the retirement game and beyond. It shows you how to capitalize on little known provisions of the tax law that will make your retirement savings last several lifetimes, leveraging your hard earned money into a family legacy. Best of all, you can rely on the advice here since it is written by one of the nation's leading retirement tax planning authorities' - Ed Slott, Author of "Parlay Your IRA into a Family Fortune" and "The Retirement Savings Time Bomb...and How to Defuse It". James Lange (Pittsburgh, PA), an attorney and CPA, is a nationally known IRA, 401(k), and retirement plan distribution expert with over 27 years of experience. His recommendations have appeared 23 times in the "Wall Street Journal", as well as the "New York Times", "Newsweek", "Kiplinger's", and many other prestigious financial publications.

Retire Secure!

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? CAUTION: It could cause financial devastation for your surviving spouse.
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! systematically proves you can be tens of thousands to over a million dollars richer by "paying taxes later" and using Roth IRAs. The eye-opening mini–case studies illustrate the remarkable power of Jim Lange's recommendations. Retire Secure! also features Lange's estate plan which will provide your family with the ultimate in flexibility as quoted in Newsweek, the Wall Street Journal, Kiplinger's, Financial Planning, and the Tax Adviser (AICPA).

"Retire Secure! is your playbook for winning the retirement game and beyond. I highly recommend it to both consumers and professional financial advisors."
—Ed Slott, author, Parlay Your IRA into a Family Fortune

"Retire Secure! is a very practical investment guide on how to defer taxes and efficiently plan for retirement and your estate."
—Roger G. Ibbotson, PhD, Professor, Yale University Chairman, Ibbotson Associates

"Every retiree should read Jim Lange's section 'Spend the Right Funds First'!"
—Gregory Kolojeski, President, Brentmark Software