BARNES & NOBLE | Retire Secure!: Pay Taxes Later - The Key to Making Your Money Last by James Lange, Wiley, John & Sons, Incorporated

Retire Secure!: Pay Taxes Later - The Key to Making Your Money Last

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Retire Secure!: Pay Taxes Later - The Key to Making Your Money Last Pub. Date: 2/9/2009 Publisher: Wiley, John & Sons, Incorporated

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Retire Secure!: Pay Taxes Later: The Key to Making Your Money Last as Long as You Do Pub. Date: 8/4/2006 Publisher: Wiley, John & Sons, Incorporated

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Overview

Praise for Retire Secure! Second Edition

"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 routes."—Larry King (from the Foreword), Larry King Live, CNN

"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

"Retire Secure!, Second Edition covers two areas particularly well—Roth IRA conversions and estate planning for IRA owners."—Jane Bryant Quinn, Newsweek and Bloomberg.com

"The fear of running out of money has grown from a lingering, nagging concern to widespread dread. Readers need long-term effective tax-savvy strategies. I highly recommend that you read Retire Secure!"—Ed Slott (from the Introduction), America's IRA Expert, speaker and author of Stay Rich for Life

"In Retire Secure!, CPA and tax attorney James Lange provides clear guidance for understanding the process of making your money last during distribution. The author is an experienced advisor and it shows."—Phyllis Bernstein, CPA/PFS, former director, AICPA Personal Financial Planning and author of Financial Planning for CPAs

Please read testimonials inside from Dr. Allan Meltzer, Roger Ibbotson, Robert S. Keebler, Gregory Kolojeski, Dr. Burton G. Malkiel, Brian Tracy, Stephan R. Leimberg, John Tracy, Paul Merriman, Eleanor Schano, Frank Thomas, Jon and Dr. Eileen Gallo, Michael T. Palermo, Martin M. Shenkman, and many others.

Product Details

ISBN-13: 9780470405314
Publisher: Wiley, John & Sons, Incorporated
Publication date: 2/9/2009
Edition number: 2
Pages: 324
Sales rank: 693,832
Product dimensions: 6.20 (w) x 9.10 (h) x 1.40 (d)

Meet the Author

James Lange is an attorney and CPA with thirty years' specialized experience in IRA and retirement plan distribution strategies and estate planning. His recommendations have appeared in the Wall Street Journal thirty times, and he has been cited in the New York Times, Newsweek, Bottom Line, Financial Planning, and the Tax Adviser. Lange's Cascading Beneficiary Plan^TM, with the flexibility and control it offers the surviving spouse, has become a benchmark in estate planning. Nationally recognized as a Roth IRA and Roth IRA conversion expert, Lange is a frequent speaker who trains financial advisors all over the country. he is the founder of The Roth IRA Institute. Lange is also the author of the first edition of Retire Secure!, also published by Wiley.

Foreword by Larry King.

Acknowledgments.

How to Read This Book.

What Retire Secure! Doesn’t Cover.

Additional Resources for the Reader.

A Note Specifically for Financial Professionals.

The Big Retirement Question.

A Summary of Tax Reduction Strategies.

The Clear Advantage of IRA and Retirement Plan Savings during the Accumulation Stage.

Spend Your After-Tax (Nonretirement or Non-IRA) Money First during the Distribution Stage.

My Best Advice—Read This Book.

An Outline Overview of the Whole Process.

What’s New!

Consider Establishing a One-Person 401(k) Plan.

Roth IRA Conversions Available to Everyone in 2010.

The New Roth 401(k) and Roth 403(b).

All Non-Spouse Beneficiaries of an IRA May Be Entitled to the “Stretch” Benefits of an Inherited IRA, 401(k), and 403(b).

Unexpected Roth IRA Conversion Opportunities for Non-Spouse Beneficiaries of Inherited Retirement Plans.

Direct Roth IRA Conversion from 401(k) and 403(b) Plans.

Introduction by Ed Slott.

Part One: The Accumulation Years: The Best Way to Save for Retirement.

1. Fund Retirement Plans to the Maximum.

2. Traditional IRAs versus Roth IRAs.

3. Traditional 401(k)s and 403(b)s versus Roth 401(k)s and Roth 403(b)s.

Part Two: The Distribution Years: Spend the Right Funds First and Other Critical Decisions You Face in Retirement.

4. Optimal Spending Strategies for Retirees.

5. Minimum Required Distribution Rules.

6. Should You Transfer Your 401(k) Account to an IRA at Retirement?: Rollovers versus Trustee-to-Trustee Transfers and Other Strategies.

7. Roth IRA Conversions.

8. Annuitizing Your Financial Accumulations: Does It Make Sense for You?

9. Withdrawing Retirement Plans Funded with Company Stocks and Net Unrealized Appreciation.

Part Three: Estate Planning: It Is Never Too Early to Start.

10. Eddie and Emily: A Retirement and Estate Planning Case Study.

11. How to Reduce Your Federal Estate Tax Burden.

12. The Most Certain and for Many the Best Way to Provide Financial Security for Your Children: Survivorship Life Insurance.

13. Laying the Foundation for Estate Planning: Using the Minimum Required Distribution Rules after Death.

14. Using Disclaimers in Estate Planning.

15. The Ideal Benefi ciary Designation of Your Retirement Plan: Stretching and Disclaiming: Lange’s Cascading Beneficiary Plan.

16. Changing Beneficiaries for Retirement Plans and IRAs.

17. Trusts as Beneficiaries of Retirement Plans.

18. How Donors Can Do Well by Doing Good.

19. A Point-by-Point Summary of the Whole Process.

Thank you, Readers.

Appendix: Life Expectancy Tables.

About the Author.

Index.

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