The Best Free Audio Library in the United States for IRA and retirement plan owners. After listening to some of these shows, you will get a lot of ideas that will cut your taxes and save you money. All of these guests have written important financial books. Enjoy CPA/Attorney James Lange interview the top financial, IRA, estate planning and investing experts in the country. Jim reads the books and develops intelligent questions and those questions make up the basis for the shows. Guests include John Bogle (founder of Vanguard) EdSlott, Jane Bryant Quinn, Roger Ibbotson, Natalie Choate and many...
Thu, February 09, 2023
Go to https://paytaxeslater.com/webinars to register for Jim's FREE, LIVE webinar on February 21st, 2023 starting at 11 am and get amazing information and have your questions answered! Retire Secure! In this clip from Jim Lange's sitdown interview with the great Burton Malkiel where they discuss commercial and immediate annuities. Get some important information here, and then register for Jim's upcoming webinar where he'll discuss how you can benefit from the SECURE ACT 2.0! The foregoing content reflects the opinions of Lange Financial Group and/or our guest, Burton Malkiel, and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security, or the implementation of any strategy or strategies. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. Past performance may not be indicative of future results. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.
Tue, January 17, 2023
Go to https://paytaxeslater.com/webinars to register for Jim's FREE, LIVE webinar series on January 31st beginning at 11 AM Eastern. In this 4th part of a 5 part Roth series from Jim Lange's December 2022 webinar, Jim discusses how to pay the taxes in a Roth Conversion, and the considerations. Will doing a Roth pass your "stomach" test? What is the best strategy for YOU when it comes to the Roth? What about going from a taxable to a tax-free environment? Jim offers some tips and strategies that he himself has used for himself and his family. If you like what you've heard and you want to meet with Jim go to https://paytaxeslater.com/contact-u s to contact our offices you can also call us at (412) 521-2732 or (800) 387-1129 00:00 Strategies for Paying The Taxes on a Roth IRA Conversion 02:43 Roth Conversion Considerations 05:19 Taxable to Tax-Free Strategies 10:22 Advanced Roth Strategies 13:18 Other Techniques to Convert After-Tax Dollars 15:47 "Separating the Coffee from the Scream"
Tue, January 10, 2023
To learn more about Jim's FREE retirement webinars coming January 2023 go to https://paytaxeslater.com/webinars In this third video in this Roth series, Jim Lange discusses the advanced concepts of making Roth IRA Conversions while also answering questions from the live room. If you've heard enough over the last few videos and want to know more and work with Jim, he discusses that as well! Go to https://paytaxeslater.com/contact-us to find out how to reach our offices. 00:00 - Power of a Series of Conversions/Should You Convert? 00:58 - Inflation and Roth IRA Conversions 03:25 - Schedule a Retire Secure Consultation Today! 07:38 - Questions from the Live Room 1 - 'For the disabled beneficiary exemption to the SECURE Act 10-year stretch, what specifically needs to be done by a client to quality their disabled child ahead of time? Is receiving SSDI sufficient?' 12:53 - Questions from the Live Room 2 - 'I understand this is a challenge to predict, but what future decisions by Congress could make it disadvantageous to make a Roth IRA Conversion?' 16:51 - Questions from the Live Room 3 - 'Going back to the market timing thought, do you recommend waiting to do Roth Conversions until later in the year if you are awaiting a potential bearer market?' 20:02 - Advanced Concepts in a Roth IRA Conversion
Tue, January 03, 2023
To learn more about Jim's upcoming virtual events in January 2023 go to https://paytaxeslater.com/webinars for more info. In this second episode of Jim Lange's December 2022 virtual event dedicated to making Roth IRA Conversions, Jim discusses the classic time to make a Roth IRA Conversion, takes questions from the live room, discusses how he's put his philosophies into practice personally, and finally the essence and the secret to Roth IRA Conversions! 00:00 - Classic Time to Make a Roth Conversion 02:55 - Jim Takes Questions from the Live Room - 'Stocks and Bonds index funds in an IRA while making a Roth IRA Conversion' 08:22 - Jim Takes Questions from the Live Room - 'Can you make too many Roth IRA Conversions?' 10:44 - Fire and Belief Put to the Test 16:27 - Spreading the Word About Roth IRA Conversions 21:35 - Not Opinion it's Math. There's No Such Thing as an IRA Expert That' Doesn't Believe in Roths 24:38 - The Essence of Roth IRA Conversions 25:59 - The Secret Like what you've heard from Jim so far? Call our offices at (412) 521-2732 if you're in the Pittsburgh area or call toll-free at (800) 387-1129 and schedule an appointment to meet with Jim! Go to https://paytaxeslater.com to get all of Jim's incredible content and his books and learn how you can Retire Secure!
Wed, December 21, 2022
To learn more about Jim's upcoming FREE virtual events go to https://paytaxeslater.com/webinars In the first edition of his latest Roth IRA Conversion webinar series, Jim Lange discusses an overview of this webinar including discussing for the first time, in-depth, his four top advanced Roth IRA Strategies as well as the basics of making a Roth Conversion. 00:00 - Intro 01:44 - Things You Can Control vs. Things You Can't Control - The Market 06:25 - What We Will Cover 10:35 - What is The SECURE Act 12:00 - SECURE Act: Potential Impact on Child 14:25 - The SECURE Act Exceptions 19:25 - Tax Cuts and Jobs Act of 2017 20:15 - Compare Tax Rates of 2017 and 2022 Like what you've heard from Jim so far? Call our offices at (412) 521-2732 if you're in the Pittsburgh area or call toll-free at (800) 387-1129 and schedule an appointment to meet with Jim! Go to https://paytaxeslater.com to get all of Jim's incredible content and his books and learn how you can Retire Secure!
Mon, December 05, 2022
Jim Lange has an upcoming end-of-the-year webinar event coming December 6th beginning at 11 am Eastern! To be registered for at least one of our free retirement & estate planning virtual workshops on Tuesday, December 6, 2022, See below to review tomorrow’s schedule of events: go to https://paytaxeslater.com/webinars *And if you still need to register for one or more of the workshops, you can use the links to the Zoom Webinar registration pages for all three events below. Session 1: Tuesday, December 6th (11 am – 1 pm Eastern) Roth IRA Conversions Before Year End: Strategies to Combat a Down Market and Inflation Click here to register for Session 1 Session 2: Tuesday, December 6th (1:30 – 3:30 pm Eastern) The Most Flexible & Best Estate Plan for IRA & Retirement Plan Owners Click here to register for Session 2 Session 3: Tuesday, December 6th (4 – 5 pm Eastern) A Live Q&A with Jim Lange: Your Questions Answered Roth IRAs, Tax Minimization, Estate Planning, and More Click here to register for Session 3
Tue, July 05, 2022
In this sixth clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim gets down to the 'nitty-gritty' and begins to discuss financial master planning. This is what he and his firm love doing! Go to https://paytaxeslater.com/webinars to register for Jim's upcoming July 2022 virtual event series ' How IRA and Retirement Plan Owners Should Respond to High Inflation While the Market is Down' being held Tuesday, July 19th and Wednesday, July 20th beginning at 10 am Eastern both days. Follow the link above to register for one, or all four webinars! If you're interested in discussions on investments, register for the Q&A session featuring Larry Swedroe of Buckingham Strategic Wealth being held Wednesday, July 20th beginning at 1 pm Eastern!
Mon, June 27, 2022
In this fifth clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim discusses the importance of keeping an open mind when it comes to gifting when it comes to your retirement and estate planning. Go to https://paytaxeslater.com/webinars to register for Jim's upcoming July 2022 virtual event series ' How IRA and Retirement Plan Owners Should Respond to High Inflation While the Market is Down' being held Tuesday, July 19th and Wednesday, July 20th beginning at 10 am Eastern both days. Follow the link above to register for one, or all four webinars! If you're interested in discussions on investments, register for the Q&A session featuring Larry Swedroe of Buckingham Strategic Wealth being held Wednesday, July 20th beginning at 1 pm Eastern!
Mon, June 20, 2022
In this fourth clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim continues answering questions from the live room that includes RMD rules involving the SECURE Act 2.0 which leads into a deeper discussion on the act that Jim refers to as "a stinking pig with a bow". Keep a look out at https://paytaxeslater.com/webinars for details to register for Jim's upcoming July 2022 virtual event series ' Solving the Retiree’s Biggest Dilemma: How to Stop the Current Downturn from Threatening Your Long-Term Financial Security'
Wed, June 15, 2022
In this third clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim answers questions from the live room that includes questions about making Roth IRA and Roth 403(b) and Death Bed Roth IRA Conversions. Keep a look out at https://paytaxeslater.com/webinars for details to register for Jim's upcoming July 2022 virtual event series ' Solving the Retiree’s Biggest Dilemma: How to Stop the Current Downturn from Threatening Your Long-Term Financial Security'
Mon, June 13, 2022
In this second clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim discusses an 'Able Account' where you can put $16,000 a year into an account for someone else. That money, if withdrawn for the needs of a disabled child, can be drawn income tax-free. Learn more by listening now! Keep a look out at https://paytaxeslater.com/webinars for details to register for Jim's upcoming July 2022 virtual event series ' Solving the Retiree’s Biggest Dilemma: How to Stop the Current Downturn from Threatening Your Long-Term Financial Security'
Thu, June 09, 2022
In this first clip from Jim Lange's May 2022 virtual event How IRA and Retirement Plan Owners Can Protect Their Hard-Earned Retirement Dollars from Accelerated Taxation' Jim begins discussing how to get the most out of you can protect your IRA and standard Retirement Plans, especially if you're one that "follows the data". Keep a look out at https://paytaxeslater.com/webinars for details to register for Jim's upcoming July 2022 virtual event series!
Tue, May 17, 2022
In this final clip from Jim Lange's March 2022 virtual event series, Jim answers live room questions and wrap up of his Roth IRA Conversion event. Go to https://paytaxeslater.com/webinars for more information and registration for Jim's free, live, virtual events!
Thu, May 12, 2022
Go to https://paytaxeslater.com/webinars for updates on upcoming webinars and how to register for upcoming events. In this clip from Jim's March 2022 virtual event, Jim discusses switching from a taxable environment to a tax-free one without using a Roth IRA.
Tue, May 10, 2022
Go to https://paytaxeslater.com/webinars for information on our upcoming virtual events! In this clip from Jim's March 2022 virtual event series, Jim begins to discuss "The Secret" when it comes to Roth IRA Conversions and begins to answer live room questions.
Tue, May 03, 2022
Go to https://paytaxeslater.com/webinars to register for Jim's upcoming virtual events being held on May 3rd and 4th starting at 10 AM Eastern! In this second clip from Jim Lange's March 2022 virtual event, Jim begins discussing "the essence" of Roth IRA Conversions.
Mon, May 02, 2022
Go to https://paytaxeslater.com/webinars to register for Jim's upcoming virtual events being held on May 3rd and 4th starting at 10 AM Eastern! In this first clip from Jim Lange's March 2022 virtual event, Jim begins discussing the benefits of Roth IRA Conversions and how his firm can work for you!
Fri, April 22, 2022
Go to https://paytaxeslater.com/webinars to register for one or all four of Jim's virtual events coming May 3rd and 4th 2022. In this final clip from Jim's March 2022 webinar series, he gives a final recap of this event. Go to https://paytaxeslater.com for more information on how to do business with Jim if you're interested.
Wed, April 20, 2022
Go to https://paytaxeslater.com/webinars to register for one or all four of Jim's upcoming virtual events on May 3rd and 4th 2022. Jim Lange continues discussing how gifting can aid you in your estate planning goals
Mon, April 18, 2022
Go to https://paytaxeslater.com/webinars to register for one, or all four of Jim's upcoming FREE, LIVE virtual event series! This clip from Jim's March 2022 event, begins answering questions of an attendee asking a question about a 529 Plan and other amazing topics!
Wed, April 13, 2022
To get this detailed information live, go to https://paytaxeslater.com/webinars to register for Jim Lange's FREE, LIVE retirement workshops on May 3rd and 4th starting at 10 AM Eastern. In this clip from Jim Lange's March 2022 virtual event, Jim discusses the exceptions to his mantra of 'Pay Taxes Later' and the 'Step Up in Basis' rules.
Mon, April 11, 2022
Go to https://paytaxeslater.com/webinars to register for Jim's upcoming virtual events today! In this second video from Jim's March 2022 virtual event series, Jim begins discussing what he calls 'The Bedrock Principle' of retirement planning. View now, and don't forget to like and subscribe!
Fri, April 08, 2022
To attend Jim's LIVE, FREE webinars go to https://paytaxeslater.com/webinars to reserve your seat for free today! In this clip from Jim Lange's virtual event series from March 2022, Jim begins the discussion of his webinar and how he can aid you in your retirement planning.
Thu, March 31, 2022
Join Jim and the Financial Dream Team during this sixth and final clip from Jim's free January 2022 Q&A Session as they continue answering live questions. This also includes important information on how to do business with Jim at the very end. For more information on Jim's events go to https://paytaxeslater.com/webinars
Tue, March 29, 2022
Join Jim and the Financial Dream Team during this fifth clip from Jim's free January 2022 Q&A Session as they continue answering live questions. For more information on Jim's events go to https://paytaxeslater.com/webinars
Thu, March 24, 2022
In this fourth clip from Jim Lange's January 2022 Q&A session featuring Larry Swedore and Adam Yofan, Jim and the Dream Team continue tackling live room and pre-submitted questions! To get information on registering for Jim Lange's future FREE retirement events go to https://paytaxeslater.com/webinars
Wed, March 23, 2022
In this third clip from Jim Lange's January 2022 Q&A session featuring Larry Swedore and Adam Yofan, Jim and the Dream Team continue tackling live room and pre-submitted questions! To get information on registering for Jim Lange's future FREE retirement events go to https://paytaxeslater.com/webinars
Thu, March 17, 2022
In this second clip from Jim Lange's January 2022 Q&A session featuring Larry Swedore and Adam Yofan, Jim and the Dream Team continue tackling live room and pre-submitted questions! To get information on registering for Jim Lange's future FREE retirement events go to https://paytaxeslater.com/webinars
Tue, March 15, 2022
In this first clip from Jim Lange's January 2022 Q&A session featuring Larry Swedore and Adam Yofan, Jim and the Dream Team tackle live room and pre-submitted questions! To get information on registering for Jim Lange's future FREE retirement events go to https://paytaxeslater.com/webinars
Tue, March 08, 2022
In this final clip from Jim Lange's January 2022 virtual event series, Jim Lange gives an overview of his presentation and then discusses the next steps of doing business with him. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!
Mon, March 07, 2022
In this fourth clip from Jim Lange's January 2022 virtual event series, Jim Lange discusses the overall benefits of the most ideal Roth IRA Conversion strategies and Social Security plans for professors and university faculty and answers more questions. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!
Fri, March 04, 2022
In this third clip from Jim Lange's January 2022 virtual event series, Jim Lange continues his discussion on the overall benefits of the most ideal Roth IRA Conversion strategies and Social Security plans for professors and university faculty. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!
Wed, March 02, 2022
In this second clip from Jim Lange's January 2022 virtual event series, Jim Lange discusses the overall benefits of the most ideal Roth IRA Conversion strategies and Social Security plans for professors and university faculty while starting to answer questions from the audience. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!
Mon, February 28, 2022
In this first clip from Jim Lange's January 2022 virtual event series, Jim Lange discusses the overall benefits of the most ideal Roth IRA Conversion strategies and Social Security plans for professors and university faculty. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!
Thu, February 24, 2022
In this final clip from Jim Lange's first virtual event series of 2022, specifically for professors, Jim continues ironing out the strategies that professors can take to protect their wealth and how you can work with Jim. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinarspodcast
Tue, February 22, 2022
The fourth clip from Jim Lange's first virtual event series of 2022, specifically for professors, with strategies that anyone can benefit from. To register for Jim's upcoming virtual events go to https://paytaxeslater.com/webinarspodcast to register today!
Thu, February 17, 2022
The third clip from Jim Lange's first virtual event series of 2022, specifically for professors, with strategies that anyone can benefit from. To register for Jim's upcoming virtual events go to https://paytaxeslater.com/webinarspodcast to register today!
Tue, February 15, 2022
The second clip from Jim Lange's first virtual event series of 2022, specifically for professors, with strategies that anyone can benefit from. To register for Jim's upcoming virtual events go to https://paytaxeslater.com/webinarspodcast to register today!
Fri, February 11, 2022
The first clip from Jim Lange's first virtual event series of 2022, specifically for professors, with strategies that anyone can benefit from. To register for Jim's upcoming virtual events go to https://paytaxeslater.com/webinarspodcast to register today!
Thu, February 10, 2022
In this final clip from the Q&A session from Jim Lange's December 2021 virtual event series, Jim answers live and pre-submitted questions. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinars
Tue, February 08, 2022
In this fourth Q&A session from Jim Lange's December 2021 virtual event series, Jim answers live and pre-submitted questions. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinars
Fri, February 04, 2022
In this third Q&A session from Jim Lange's December 2021 virtual event series, Jim answers more live and pre-submitted questions. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinars
Thu, February 03, 2022
In this second clip of the Q&A session from Jim Lange's December 2021 virtual event series, Jim answers live and pre-submitted questions. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinars
Tue, February 01, 2022
In this Q&A session from Jim Lange's December 2021 virtual event series, Jim answers live and pre-submitted questions. To register for Jim's upcoming virtual event series go to https://paytaxeslater.com/webinars
Mon, January 24, 2022
To register for Jim's upcoming virtual event series for professors and university faculty beginning TOMORROW, January 25th at 10 AM Eastern, go to https://paytaxeslater.com/webinars January 25th and 26th starting a 10 AM Eastern both days. In this final clip from Jim's December 1 2021 virtual event series, Jim begins to discuss the process of doing business with him.
Fri, January 21, 2022
To register for Jim's upcoming virtual event series for professors and university faculty go to https://paytaxeslater.com/webinars In this fourth clip from Jim's December 1 2021 virtual event series, Jim starts off by answering a few questions during the event and how the SECURE Act can harm your family after you're gone.
Mon, January 17, 2022
To register for Jim's upcoming virtual event series for professors and university faculty go to https://paytaxeslater.com/webinars In this third clip from Jim's December 1 2021 virtual event series, Jim asks a simple philosophical question 'Are you a judge or a free spirit?' as he continues the discussion about preparing to protect your family's financial future after you're gone.
Thu, January 13, 2022
To register for Jim's upcoming virtual event series for professors and university faculty go to https://paytaxeslater.com/webinars In this second clip from Jim's December 1 2021 virtual event series, Jim discusses how probate works, the good and the bad, and the choice of an executor and trustees.
Tue, January 11, 2022
To register for Jim's upcoming virtual event series specifically created for university faculty and professors, go to https://paytaxeslater.com/webinars . In this first clip from Jim's virtual event series titled Flexible Estate Planning and Using Trusts to Protect Your Family , Jim begins talking about the "dying part" and how to protect your family and your assets after your death.
Tue, December 28, 2021
This episode is a clip from Jim's final virtual event series from 2021 in which he discusses wealth preservation solutions for million-dollar IRA Owners. Get updated information in this brief series before the beginning of Jim's upcoming virtual event series coming January 2022. To register, go to https://paytaxeslater.com/webinars to reserve your virtual seat today.
Wed, December 22, 2021
This is Jim Lange's final Q&A Session with Larry Swedroe and Adam Yofan for 2021! In this second clip, as they've done all year, Jim, Adam, and Larry answer live and pre-submitted questions that are necessary to make the best financial decisions possible for your retirement! Keep checking https://paytaxeslater.com/webinars as we will have information on our first webinars of 2022 coming soon!
Mon, December 13, 2021
This is Jim Lange's final Q&A Session with Larry Swedroe and Adam Yofan for 2021! In this first clip, as they've done all year, Jim, Adam, and Larry answer live and pre-submitted questions that are necessary to make the best financial decisions possible for your retirement! Keep checking https://paytaxeslater.com/webinars as we will have information on our first webinars of 2022 coming soon!
Mon, October 25, 2021
This week's episode picks up right where we left off last week with Jim Lange during his live Q&A from his September 2021 webinar series is full of important information for current and soon-to-be retirees. Learn how to protect yourself from the SECURE Act, and important tips to retire secure! You can keep up-to-date on Jim's virtual events by going to https://paytaxeslater.com/webinars . To get more information on how to make your retirement work best for you, go to https://paytaxeslater.com . If your questions have been answered, and you're interested in a Financial Plan or Assets Under Management, please call 1-800-387-1129 and speak to Edie to schedule an appointment.
Tue, October 19, 2021
This week's episode features Jim Lange during his live Q&A from his September 2021 webinar series is full of important information for current and soon-to-be retirees. Learn how to protect yourself from the SECURE Act, and important tips to retire secure! To get more information on how to make your retirement work best for you, go to https://paytaxeslater.com . If your questions have been answered, and you're interested in a Financial Plan or Assets Under Management, please call 1-800-387-1129 and speak to Edie to schedule an appointment.
Mon, October 11, 2021
In this part two edition from Jim Lange's September 2021 Q&A event, Jim Lange is joined by Larry Swedore and Adam Yofan, as he is regularly, to answer your questions on retirement. To get more information on how to make your retirement work best for you, go to https://paytaxeslater.com . If your questions have been answered, and you're interested in a Financial Plan or Assets Under Management, please call 1-800-387-1129 and speak to Edie to schedule an appointment.
Wed, October 06, 2021
In this clip from Jim Lange's September 2021 Q&A event, Jim Lange is joined by Larry Swedore and Adam Yofan, as he is regularly, to answer your questions on retirement. To get more information about Jim, go to https://paytaxeslater.com . If your questions have been answered, and you're interested in a Financial Plan or Assets Under Management, please call 1-800-387-1129 and speak to Edie to schedule an appointment.
Tue, September 07, 2021
This edition of the Retire Secure Podcast from Jim Lange's two-day virtual event from June 2021 is dedicated to teaching you how to control what you've got from the grave. To register for Jim's upcoming live, free virtual events taking place September 28th and September 29th starting at 10 am Eastern on both days, go to https://paytaxeslater.com/webinars . To request a digital and/or hard copy of Jim Lange's latest book 'Retire Secure for Professors' go to https://paytaxeslater.com/GetJimsBook .
Thu, August 12, 2021
Larry Swedroe and Adam Yofan join Jim for his latest Q&A session from Jim Lange's June. 2021 webinar series. Listen in and find out if these Titans of Finance are answering any of your finance questions! If they haven't and you want to get in on these virtual events, you can join Jim Tuesday and Wednesday, September 28th and 29th for amazing information including two different Q&A sessions one featuring Larry Swedroe and Adam Yofan of Buckingham joining in! To register for this two-day webinar event go to https://paytaxeslater.com/webinars to register. If you have a prior obligation, not to worry! Register for these virtual events, and if you can't make it, you'll get a rebroadcast link to your email! Jim Lange also has a new book coming out! Retire Secure for Professors will be the next big retirement book full of information that University Professors will find universally useful! Not a Professor, but know someone that is or works in the university field? Get a copy of the Advance Reader Copy by clicking here !
Thu, August 12, 2021
In the latest episode of the Retire Secure Podcast, join Jim Lange during his June 2021 webinar series. This edition, titled 'Wealth Preservation Solutions for Million-Dollar IRA Owners' is exactly what you'll need to listen to if you're looking for inventive, strategies to protect what you've got. To get caught up on Jim's virtual events, go to https://paytaxeslater.com/webinars To get your copy of Jim's Lange's book 'Beating the new Death Tax' go to https://paytaxeslater.com/getbook
Mon, June 28, 2021
In this episode of the Retire Secure Podcast, listen to Jim Lange during his LIVE Q&A session during his April 27, 2021 webinar series. Tune in as Jim answers questions from real people, just like you, in the live room of the webinar as well as pre-submitted questions! If you're interested in attending one of Jim's LIVE, FREE virtual events, you can keep updated on his next round of events by going to paytaxeslater.com/webinars ! If Jim has answered your questions in this podcast episode, and you would like to get information on a Retire Secure Consultation OR Assets Under Management, click here !
Wed, June 09, 2021
This episode of the Retire Secure Podcast is from Jim's April 28, 2021 virtual event where he discussed the best financial plans for married IRA Owners after the passing of the SECURE Act. We hope you find this to be highly informative and enlightening. Join Jim on June 22nd and 23rd for an all-new virtual event series that promises to be highly informative and enlightening and will teach you how to protect your financial legacy in the wake of a changing Washington D.C. To reserve your seat for free at Jim's upcoming virtual event, click here . Click here if you are interested in finding out more about Assets Under Management, or to have a Financial Masterplan!
Mon, May 17, 2021
In this episode of The Retire Secure Podcast, we visit Jim's most recent webinar from April 27, 2021. In this first virtual event, Jim discusses proposed tax code changes and the best response for those changes and how these responses can continue to aid you against the SECURE Act. To learn more get Jim's latest book Beating The New Death Tax available now at Amazon. If you have heard enough and would like to learn how you can work with Jim for our assets under management services, OR having a financial master plan, go to https://paytaxeslater.com/RS1 .
Tue, May 11, 2021
In this edition of Jim Lange's Retire Secure Podcast, we have a special Question and Answer session from Jim's March 2021 virtual event for you! Listen in as Jim offers his expert answers to questions being asked from the attendees of Jim's audience. He may end up answering questions YOU may have! If your questions have been answered in this episode, go to https://paytaxeslater.com/RS1 to fill out the form for a Retire Secure Consultation today! And be sure to go to paytaxeslater.com/webinars for updates on Jim Lange's latest virtual events!
Thu, April 29, 2021
This week's edition of the Retire Secure Podcast features the first of Jim Lange's full-length virtual events from his March 30th, 2021 series. Join Jim as he discusses; Avoiding the decimating tax-accelerating consequences of the SECURE Act. Reducing your income tax liability with the Democrats in charge. Likely long-term tax rate increases make Roth IRA conversions more attractive. Using Roth conversions to minimize taxes on your IRA income for decades for both you and your heirs. Minimizing the impact of potential tax increases—other than income tax. Less obvious increases might come from eliminating the current step-up in basis provision and the favorable capital gains rates. Optimizing your Social Security distributions. Gifting strategies after the SECURE Act. To learn more about Jim's virtual events go to https://paytaxeslater.com/webinars . Be sure to sign up for our mailing list to get the latest information that Jim has to offer, including an upcoming Facebook Group Training series!
Tue, April 13, 2021
This special first hour of Jim Lange's February 2021 Question and Answer session, hosted by Dave Dee, showcases Jim Lange, Larry Swedroe, and Adam Yofan answering your financial, and investment questions in regards to your retirement planning. If you're interested in attending Jim's LIVE virtual events for FREE go to paytaxeslater.com/webinars to register for free today.
Mon, April 12, 2021
This special first hour of Jim Lange's February 2021 Question and Answer session, hosted by Dave Dee, showcases Jim Lange, Larry Swedroe, and Adam Yofan answering your financial, and investment questions in regards to your retirement planning. If you're interested in attending Jim's LIVE virtual events for FREE go to paytaxeslater.com/webinars to register for free today.
Mon, March 29, 2021
Join us for hour two of the second day of Jim Lange's December 2020 virtual event. In this training, titled Urgent Action for Tax-Savvy IRA and Retirement Plan Owners , Jim is offering amazing strategies that he's come up with, designed to help you protect your IRA and retirement plans from the dreaded SECURE Act. Interested in attending Jim's virtual events live? Go to https://paytaxeslater.com/webinars to register, and attend, for free! Jim's latest two-day virtual event will be held Tuesday and Wednesday, March 30th and 31st beginning at 10 AM Eastern Standard Time.
Fri, March 19, 2021
Join us for hour one, day two, of Jim Lange's December 2020 virtual event. In this training, titled Urgent Action for Tax-Savvy IRA and Retirement Plan Owners , Jim is offering amazing strategies that he's come up with, designed to help you protect your IRA and retirement plans from the dreaded SECURE Act. Interested in attending Jim's virtual events live? Go to https://paytaxeslater.com/webinars to register, and attend, for free! Jim's latest two-day virtual event will be held Tuesday and Wednesday, March 30th and 31st beginning at 10 AM Eastern Standard Time.
Thu, March 04, 2021
In this latest edition of The Retire Secure Podcast, we're offering you, the listener, the second hour of The Best Estate Plan for Married IRA Owners after the SECURE Act the first of two scheduled sessions held on December 1st, 2020. This highly informative virtual event is dedicated to offering important strategies to protect your retirement against the SECURE Act. Hour Two to follow. To register for Jim's FREE virtual events, go to https://paytaxeslater.com/webinars to reserve your virtual seat for free.
Mon, February 15, 2021
In this latest edition of The Retire Secure Podcast, we're offering you, the listener the first hour of The Best Estate Plan for Married IRA Owners after the SECURE Act the first of two scheduled sessions held on December 1st, 2020. This highly informative virtual event is dedicated to offering important strategies to protect your retirement against the SECURE Act. Hour Two to follow. To register for Jim's FREE virtual events, go to https://paytaxeslater.com/webinars to reserve your virtual seat for free.
Tue, February 09, 2021
In this clip from Jim's latest virtual event, held on January 28th, 2021, Jim's special guest, Larry Swedroe is asked about what was the real situation behind the GameStop Stock on Robin Hood? How did it happen? What was Reddit's influence? Find out from expert Larry Swedroe, 1/3 of the 'Dream Team' of Jim Lange, Larry Swedroe, and Adam Yofan! To register for Jim's upcoming virtual event series, go to paytaxeslater.com/webinars !
Mon, January 25, 2021
The following is Part 2 of Jim Lange's Q&A from his October 2020 webinar. For more information on Jim Lange's webinars, or to sign up for his upcoming two-day webinar series to be held on January 27th and 28th starting at 10 AM Eastern, go to https://paytaxeslater.com/webinars .
Fri, January 15, 2021
The following is a clip of Jim Lange's Q&A from his October 2020 webinar. For more information on Jim Lange's webinars, or to sign up for his upcoming two-day webinar series to be held on January 27th and 28th starting at 10 AM Eastern, go to https://paytaxeslater.com/webinars .
Mon, January 04, 2021
Join Jim Lange in the second hour of his September 2020 Webinar Q&A session! If you like what you hear, but still aren't quite sure about contact Jim to help handle your affairs, go to https://paytaxeslater.com/webinars to learn when our next webinar sessions are available to get highly informative advice and information to protect your assets from the SECURE Act.
Thu, December 10, 2020
Join Jim Lange in the first hour of his September 2020 Webinar Q&A session! If you like what you hear, but still aren't quite sure about contact Jim to help handle your affairs, go to https://paytaxeslater.com/webinars to learn when our next webinar sessions are available to get highly informative advice and information to protect your assets from the SECURE Act.
Thu, December 03, 2020
In this special edition of the Lange Money Hour, we capture the second and final hour of a special Q&A webinar session that Jim Lange held during his July 2020 webinars. Jim is answering questions from IRA and Retirement Plan owners just like you. Give a listen and maybe Jim will answer a question you didn't even know you had? If you're interested in joining any of Jim's FREE Live Retirement Webinars, go to https://https://paytaxeslater.com/webinars/ for more information! Jim Lange's webinars will return in 2021!
Tue, November 24, 2020
In this special edition of the Lange Money Hour, we capture the first hour of a special Q&A webinar session that Jim Lange held during his July 2020 webinars. Jim is answering questions from IRA and Retirement Plan owners just like you. Give a listen and maybe Jim will answer a question you didn't even know you had? If you're interested in joining any of Jim's FREE Live Retirement Webinars, including his year-end webinars coming December 1st and December 2nd, 2020, go to https://paytaxeslater.com/2020Webinars today!
Mon, November 16, 2020
In the first clip from Jim Lange's February 8th, 2020 afternoon session of his in-person workshop How to Stop Pending Changes in Tax Laws from Taking Up to 1/3 of Your IRAs and Retirement Plans After the SECURE Act, is discussing; • How to avoid massive taxation of your plans 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 Social Security strategies in light of the SECURE Act. • Gifting strategies for maximizing IRA and retirement plan wealth after the SECURE Act. • The numbers behind some of our favorite strategies and why they work. While the morning workshop will concentrate on wills, trusts and IRA and retirement plan beneficiary designations, this session will cover strategies that are also geared toward lifetime planning, though frankly, in reality, we look at retirement and estate planning as one continuum. By combining Strategic Roth IRA Conversions, Social Security Optimization, and Gifting Strategies, you can help keep your wealth in your family... and out of Uncle Sam’s Hands! For years we have stressed that most of our clients desperately need to be concerned with income taxes, including the income tax that will be due when your IRAs and retirement plans are distributed. Now, that income tax problem is on steroids. There are a lot of pro-active steps you could take now that will enhance your financial security as well as that of your children. We will explore a variety of strategies that will reduce the impact of the SECURE Act for you and your family. • Roth IRA Conversions—though we have recommended Roth IRA conversions for many years, Roth IRA conversions and now Roth 401(k) and Roth 403(b) conversions are going remain to remain a critical tool to cut taxes for you and your children. • Getting Social Security right is going to be more important than ever. • Gifting Strategies will come to the forefront with this new tax environment. In this workshop, we’ll explore different forms of gifting and the best timing for gifting. If you're interested in attending any of Jim's free Retirement Webinars go to https://www.iraseminar.com/pgh for more information.
Wed, November 11, 2020
A Clear Explanation of the NEW Tax Law SECURE Act How do the required minimum distributions of inherited IRAs and retirement plans work under the old law versus the newly enacted SECURE Act? How will this change impact your family and your legacy? Aggressive Action That Must Be Taken to Preserve your Estate How to ensure financial security for the surviving spouse, and potentially save hundreds of thousands to pass on to your heirs after the SECURE Act. Proven strategies you can take now and in the future to protect your family. Trusts The SECURE Act has major implications for trusts: are you one of many Americans who need to redraft their trusts now that it has become the law of the land? Should your heirs inherit your IRA directly, or would naming a trust to be safer? Trusts for minors, or children and grandchildren with special needs. Should you avoid probate? Are sprinkle trusts right for you and your family after the SECURE Act? Are charitable trusts appropriate for deferring income taxes even if you are not charitable? Do you need one of our classic trusts, like the “I don’t want my no-good son-in-law to inherit one red cent of my money trust?” To get your copy of Jim's latest book ' The IRA and Retirement Plan Owner's Guide to Beating the New Death Tax: 6 Proven Strategies to Protect Your Family from The SECURE Act' in ebook and hard-cover go to https://paytaxeslater.com/newdeathtaxbook.com to sign up for our newsletter go to https://paytaxeslater.com/signupnow/ and if you're interested in signing up for Jim's FREE retirement webinars, go to https://paytaxeslater.com/2020Webinars .
Fri, November 06, 2020
In this special edition of the Lange Money Hour, we capture the second hour of a special Q&A webinar session. That's right! Jim is answering questions from IRA and Retirement Plan owners just like you. Give a listen and maybe Jim will answer a question you didn't even know you had! If you're interested in joining any of Jim's FREE Live Retirement Webinars go to https://paytaxeslater.com/2020Webinars to see when the next events are scheduled and register today!
Fri, October 23, 2020
A Clear Explanation of the NEW Tax Law SECURE Act How do the required minimum distributions of inherited IRAs and retirement plans work under the old law versus the newly enacted SECURE Act? How will this change impact your family and your legacy? Aggressive Action That Must Be Taken to Preserve your Estate How to ensure financial security for the surviving spouse, and potentially save hundreds of thousands to pass on to your heirs after the SECURE Act. Proven strategies you can take now and in the future to protect your family. Trusts The SECURE Act has major implications for trusts: are you one of many Americans who need to redraft their trusts now that it has become the law of the land? Should your heirs inherit your IRA directly, or would naming a trust to be safer? Trusts for minors, or children and grandchildren with special needs. Should you avoid probate? Are sprinkle trusts right for you and your family after the SECURE Act? Are charitable trusts appropriate for deferring income taxes even if you are not charitable? Do you need one of our classic trusts, like the “I don’t want my no-good son-in-law to inherit one red cent of my money trust?” To get your copy of Jim's latest book ' The IRA and Retirement Plan Owner's Guide to Beating the New Death Tax: 6 Proven Strategies to Protect Your Family from The SECURE Act' in ebook and hard-cover go to https://paytaxeslater.com/newdeathtaxbook.com to sign up for our newsletter go to https://paytaxeslater.com/signupnow/ and if you're interested in signing up for Jim's FREE retirement webinars, go to https://paytaxeslater.com/2020Webinars .
Fri, October 16, 2020
In this special edition of the Lange Money Hour, we capture the first hour of a special Q&A webinar session. That's right! Jim is answering questions from IRA and Retirement Plan owners just like you. Give a listen and maybe Jim will answer a question you didn't even know you had? If you're interested in joining any of Jim's FREE Live Retirement Webinars go to https://paytaxeslater.com/2020Webinars to see when the next events are scheduled and register today!
Thu, October 08, 2020
A Clear Explanation of the NEW Tax Law SECURE Act How do the required minimum distributions of inherited IRAs and retirement plans work under the old law versus the newly enacted SECURE Act? How will this change impact your family and your legacy? Aggressive Action That Must Be Taken to Preserve your Estate How to ensure financial security for the surviving spouse, and potentially save hundreds of thousands to pass on to your heirs after the SECURE Act. Proven strategies you can take now and in the future to protect your family. Trusts The SECURE Act has major implications for trusts: are you one of many Americans who need to redraft their trusts now that it has become the law of the land? Should your heirs inherit your IRA directly, or would naming a trust to be safer? Trusts for minors, or children and grandchildren with special needs. Should you avoid probate? Are sprinkle trusts right for you and your family after the SECURE Act? Are charitable trusts appropriate for deferring income taxes even if you are not charitable? Do you need one of our classic trusts, like the “I don’t want my no-good son-in-law to inherit one red cent of my money trust?” To get your copy of Jim's latest book ' The IRA and Retirement Plan Owner's Guide to Beating the New Death Tax: 6 Proven Strategies to Protect Your Family from The SECURE Act' in ebook and hard-cover go to https://paytaxeslater.com/newdeathtaxbook.com to sign up for our newsletter go to https://paytaxeslater.com/signupnow/
Wed, October 07, 2020
A Clear Explanation of the NEW Tax Law SECURE Act How do the required minimum distributions of inherited IRAs and retirement plans work under the old law versus the newly enacted SECURE Act? How will this change impact your family and your legacy? Aggressive Action That Must Be Taken to Preserve your Estate How to ensure financial security for the surviving spouse, and potentially save hundreds of thousands to pass on to your heirs after the SECURE Act. Proven strategies you can take now and in the future to protect your family. Trusts The SECURE Act has major implications for trusts: are you one of many Americans who need to redraft their trusts now that it has become the law of the land? Should your heirs inherit your IRA directly, or would naming a trust to be safer? Trusts for minors, or children and grandchildren with special needs. Should you avoid probate? Are sprinkle trusts right for you and your family after the SECURE Act? Are charitable trusts appropriate for deferring income taxes even if you are not charitable? Do you need one of our classic trusts, like the “I don’t want my no-good son-in-law to inherit one red cent of my money trust?” To get your copy of Jim's latest book ' The IRA and Retirement Plan Owner's Guide to Beating the New Death Tax: 6 Proven Strategies to Protect Your Family from The SECURE Act' in ebook and hard-cover go to https://paytaxeslater.com/newdeathtaxbook.com to sign up for our newsletter go to https://paytaxeslater.com/signupnow/
Wed, May 08, 2019
In this February 2, 2011, classic episode, CPA/Attorney James Lange welcomes guest attorney Deborah L. Jacobs to The Lange Money Hour to discuss her book Estate Planning Smarts and how women can take control of their estate planning destinies in the wake of the 2010 tax law changes.
Wed, May 08, 2019
In this February 16, 2011, classic episode of The Lange Money Hour, CPA/Attorney James Lange and Lange Financial Group legal team head Matt Schwartz discuss trusts and their importance in estate planning.
Mon, May 06, 2019
In this January 2011 episode of The Lange Money Hour, James Lange sits down with fellow CPA/attorney Martin Shenkman to discuss how the tax changes in 2010 would effect wills and trusts in 2011.
Tue, April 30, 2019
James Lange and industry titan John Bogle discuss the simple tricks of making smart investments for financial success including having realistic expectations. Please note that aired in the past and some of the information contained within may be out of date and no longer accurate. All podcast episodes are intended to be used and must be used for informational purposes only. There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct. 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 strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Tue, April 30, 2019
In this 11th entry of the 12 part series, James Lange and John Bogle remind you that there is no way to escape risk when it comes to investments. Please remember this aired in the past and some of the information contained within may be out of date and no longer accurate. All podcast episodes are intended to be used and must be used for informational purposes only. There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct. 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 strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Tue, April 30, 2019
In the final addition to this 12 part series, John Bogle reminds the listener to 'Beware fighting the last war'. Thank you for listening to this series featuring James Lange and the great John Bogle (May 8, 1929 - January 16, 2019). Please note this series aired in the past and some of the information contained within may be out of date and no longer accurate. All podcast episodes are intended to be used and must be used for informational purposes only. There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct. 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 strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Mon, April 22, 2019
In part four of twelve of his sit down with industry leader John Bogle, James Lange, and Mr. Bogle discuss conflicts of interest in a broken fiduciary system.
Fri, March 15, 2019
In part seven of this series James Lange and late founder of the Vanguard Group John Bogle discuss why full disclosure is important in finance.
Fri, March 15, 2019
In this series featuring John Bogle, the late founder of Vanguard, Jim and John discuss the changes in the financial system from when Vanguard was first founded (and referred to as 'Bogle's Foley') and why to invest in it at all.
Fri, March 15, 2019
In this ninth episode, Jim and John Bogle, the founder of Vanguard, talk deeper in depth on biding your time, and not letting your emotions cause you to make impulse financial decisions.
Wed, February 27, 2019
Part five of this amazing sit down series with Jim Lange and John Bogle, the discussion turns to the gatekeepers of t he financial system as we know it.
Wed, February 27, 2019
In part six of this amazing sit down with Jim Lange and John Bogle, the two finance titans discuss the cause of the recession and how to fix it.
Wed, February 13, 2019
Part four of the James Lange/John Bogle interview series has the great John Bogle discussing the conflicts of interest that exist in our broken system.
Wed, December 20, 2017
As you probably have heard, KQV is going out of business and, sadly, this will be our final show on this station. We intend to keep the show going and have a promising alternative but no agreement yet. We will keep you posted. But, there is other significant news too. For better or worse, President Trump just signed the Tax Cuts and Jobs Act into law. The tax reform is significant for both businesses and individuals, but this show will concentrate on how individual taxpayers might cut their taxes. Because of the unique timing of the tax law changes, this is the most important year-end tax radio show we have had. You only have a couple of weeks to adjust your year-end planning. This week, on The Lange Money Hour, Jim Lange and journalist Deborah L. Jacobs, the author of several books including; Estate Planning Smarts: A Practical, User-Friendly, Action-Oriented Guide, will be discussing these critical year-end tax planning action points regarding itemized deductions: Pay for items you deduct on your itemized deductions so you can claim them this year. The higher standard deduction in 2018 could mean that even if you can itemize deductions, the tax benefit might not be worth it. Your tax rate might be lower, what will that mean?
Wed, December 06, 2017
2017 has been a remarkable year for the United States, both politically and financially. Beginning with Donald Trump’s inauguration, it’s been a year of Congressional gridlock, a high-stakes political investigation, and unprecedented actions – and tweets – from a U.S. President. Yet through it all, the markets have continued their upward charge. The Dow Jones Industrial Average reached the 24,000 mark for the first time on November 30 – and it’s up more than 20% since January 1, 2017. The current bull market (typically defined by a continuous rise in stock prices without being interrupted by a 20% decline) is now over eight and a half years old – one of the longest in history. This has left investors wondering…how long can this bull market continue? Is this current market situation entirely new, or have we seen things like this in the past? Should we be worried? Is it possible to invest strategically to minimize the impact of an inevitable market downturn? On this episode of The Lange Money Hour, CPA/Attorney Jim Lange welcomes back investment advisor, P.J. DiNuzzo. P.J. and Jim will discuss: What has happened so far in 2017, both in the U.S. and international markets What these results mean for investors Active Money Mangaement vs. Index Investing Strategic vs. Tactical Asset Allocation Diversification Rebalancing your portfolio Bond markets, interest rates, and inflation Given future unknowns, how you can succeed financially by "Controlling What You Can Control."
Wed, November 22, 2017
Dana Anspach is the founder and CEO of Sensible Money, LLC, and an active financial advisor and author in the Phoenix area. She and Jim share a common mission to provide objective, nuanced, and personalized retirement planning advice for their clients. And like Jim, she is committed to educating her clients. When she began working as a financial planner, she realized that there was something wrong with the way most people over the age of 50 planned for retirement—many simply didn’t understand the risks and the rules, best practices, or the difference between a fee-only advisor and a commission-based advisor. She believed that people were being improperly influenced by politics, financial products, and advertising. So, she formed her own firm to help clients make informed decisions about retirement planning and retirement spending. On this episode of The Lange Money Hour, Dana and Jim will take an in-depth look at the four biggest risks that Dana believes people face as they plan for their retirement years: • The Longevity Risk: Being too preoccupied with the rate of return on your investments and/or how much risk is involved in those choices might be blinding you. An equally important piece of the puzzle: how many years should you be planning for? How will your investment choices play out if you live to 75? What about 85? Or 95? • Sequence Risk: You need to have a realistic perspective on how returns on investments can affect your long-term spending. The “sequence” of annual returns, from high-to-low or low-to-high, during your retirement years is something we can’t predict, but there are strategies to combat sequence risk. • Inflation Risk: There are ways to protect against inflation risks. You need to know what they are, and why inflation disproportionately affects lower-income retirees. • Overspending Risk: Many people under estimate the amount of money they are going to need in retirement, and they over estimate the amount of money they can withdraw each year. What steps should you take to estimate your spending? How can you factor in some protection for unexpected expenses?
Wed, November 01, 2017
If you have ever received any investing advice, you have probably heard the disclaimer: past performance is not an indicator of future results. But, studying history also generates an adage: those who do not learn history are doomed to repeat it. The Lange Money Hour is proud to welcome Yale School of Management Professor Emeritus in the Practice of Finance, the esteemed Dr. Roger Ibbotson. Dr. Ibbotson has spent his career analyzing market history to make it a bit easier for investors and economists to attempt to predict how the market might perform in the future. For many economists and financial advisors, the SBBI (Stocks, Bonds, Bills, and Inflation) comparison is an indispensable resource for statistics that are needed to analyze asset class performance. Performance analysis is critical to successful investing; and top quality data is essential to balance risks and rewards. Jim and Roger will discuss the SBBI, the state of the markets in 2017, and multiple investment topics in Roger’s areas of expertise including: Popularity Liquidity Investment Returns Mutual Funds/Index Funds Valuation Portfolio Management International Markets
Wed, October 18, 2017
Uncertainly has long been the enemy of estate planning as family, financial, and even legal circumstances can change dramatically over time. An estate plan that is intricately thought through and in-line with your testamentary intent today could be inappropriate once you die. However in the early nineties, Jim began thinking creatively about this problem. Lange’s Cascading Beneficiary Plan, as it came to be called, uses specific language and disclaimers to provide the most flexibility when it is needed the most—at the time of the death of the first spouse when the surviving spouse and the family have the most current picture of their finances and family dynamics. No more guess work decades in advance. The plan was first picked up by Jane Bryant Quinn in 2001 and published in Newsweek and from there it has been featured in peer-reviewed journals and in dozens of major publications like The Wall Street Journal and Kiplinger’s. Lange Legal Group, LLC has drafted 2,444 estate planning documents to date, most of which incorporate elements of this superb plan. Tonight on The Lange Money Hour, our lead estate attorney, Matthew Schwartz and Jim will discuss Lange’s Cascading Beneficiary Plan in detail as well as offer examples of how beautifully it has worked out over time for our clients and their families. Using disclaimers, this plan can offer great tax benefits, but it also gives the opportunity to provide children with some inheritance money earlier than at the death of both of their parents—that can be very helpful especially during the years when they are raising your grandchildren or trying to send them to college. Tonight, Matt and Jim will shed fresh light on how Lange's Cascading Beneficiary Plan uses disclaimer planning and specialized language to help IRA and retirement plan owners prepare for the unknown. You will learn: The details of the plan: how and why it works What disclaimer planning entails How to include a disclaimer in your estate plan The downsides of disclaimers The tax implications of disclaimers How Lange's Cascading Beneficiary Plan might be even more useful when the Death of the Stretch IRA legislation passes.
Wed, October 04, 2017
Imagine that you’re twenty-two-years-old and you’ve just been drafted into the National Football League. Chances are you haven’t spent a lot of time thinking about financial planning—not many people that age have, truth be told. In a world where the average NFL career lasts just three years, how does a young player avoid the pitfalls of sudden wealth to ensure that a hefty signing bonus puts him on a path to a secure life after his contract ends. How should he plan for retirement? Are you chuckling to yourself? Maybe you think that is not going to be the first thing on his mind? You are probably correct. But, according to the National Endowment for Financial Education, about 70 percent of people who suddenly receive a windfall of cash will be broke a few years later. Is there something even we—those of us whose lives are not so high-profile—can learn from the mistakes of others? On tonight’s edition of The Lange Money Hour, CPA/Attorney Jim Lange interviews the man who has been dubbed “Hip Hop’s Financial Advisor” – Pittsburgh native Rob Wilson. Rob is best known for representing NFL players, musicians, and other young celebrities. On the program, he’ll share some of his stories about helping these high-profile clients adjust to their newfound wealth. But, you may be surprised to learn that the fundamentals of good planning stretch across all pay scales, and may even apply to a windfall that you might be in line for—even if it isn’t an NFL contract or a recording deal! Tune in to learn: How Rob went from getting a degree in industrial engineering, to becoming a high-profile financial advisor and TV personality. How he landed his first NFL client. The advice he gives when he first meets a young superstar with a big contract.How all millennials view money differently than older Americans, and why they face challenges that didn’t exist 30 years ago. And...why there’s never been a better time in history to start a business.
Wed, September 20, 2017
Jonathan Clements spent almost 20 years as the primary personal finance columnist at The Wall Street Journal. He contacted Jim more than 30 times for quotes and recommendations to include in his column. They both share a passion for improving financial literacy. Jonathan is the author of multiple personal finance books, including How to Think About Money. Clearly, he has spent plenty of time thinking about how the markets behave and – perhaps just as important – how investors behave. On tonight’s edition of The Lange Money Hour, Jonathan will share his reflections and observations on some of the financial topics that have occupied his mind in 2017, including: Taming Your Instincts: One of the biggest hurdles investors face is learning to tame their hardwired instincts—good for survival, not so good for modern financial markets. Jonathan will suggest strategies for keeping your emotions in check, such as automating your investments and removing temptation, but he is also convinced that using “social pressure” is an effective way to strengthen resolve and tame the beast. Missing Ambition: When you help your children and grandchildren out financially are you sapping their desire to strike out and achieve success on their own? Is there an effective and responsible way to provide the next generation with a safety net without killing their ambition? Jonathan shares his thoughts. Emerging Markets: Developing markets offer both low valuations and upward price momentum. Further, they don’t face the demographic headwinds that confront the developed world—an aging population that’s already hampering economic growth in the U.S. Learn why, despite the potential rollercoaster ride, Clements is a fan of emerging market investments. Recognizing Luck: Don’t assume that everyone who has been successful financially is more skilled or knowledgeable than you. Jonathan will discuss the role that luck can play in the markets – and why those who play the long game are typically the consistent winners.
Wed, September 06, 2017
Investing and retirement planning can be derailed by common mistakes. Emotions running the gamut from panic to hopelessness can be spurred by the ups and downs of the market. How do you stay the course? How do you find a course? How much will you need? These can feel like impossible decisions. And when it comes to understanding tax laws and Social Security, most people simply don’t have the know-how to maximize their outcomes. Trying to figure all of this out on your own can be a nightmare – and most people fall victim to a pitfall or two along the way. Tonight on the Lange Money Hour, top CPA/Attorney, and IRA expert Jim Lange will identify some of the most common investing, estate planning, and tax mistakes he has seen over and over again in his 30+ years of helping people plan for retirement. Here are just a few examples: Outdated wills that penalize your spouse. Failure to make Roth IRA contributions or have a Roth IRA conversion plan. Spending too much or too little in retirement. Asset allocation and diversification mistakes. Forgetting to regularly rebalance your portfolio. Taking Social Security at the wrong time, which can cost you tens or even hundreds of thousands of dollars. Forgetting to factor pension and Social Security allocations into your planning. Investing emotionally – selling high and buying low. Jim offers ways to identify and avoid these traps – and he’ll also outline specific strategies to help you prepare for the Congressional threat to kill the Stretch IRA – a potentially devastating change that could cost your heirs hundreds of thousands of dollars.
Wed, August 16, 2017
Historically, the markets have provided long-term investors with growth that offset inflation.* But, investors without that perspective can to get jumpy when the markets go down, or feel like nothing can go wrong when the markets are up—both sentiments can lead to emotional investment decision making. And emotional decision making in investing can lead to very bad results. So, how do successful investors maintain their cool, exercise patience, and not fall victim to spur-of-the-moment irrational decisions? Having a wealth of experience really helps and having smart people conduct your research also provides a huge advantage. Tonight, P.J. and Jim will share some important lessons from their combined 60-odd years in their respective businesses, as well as some of the wisdom from their research and the research of other experts in the field. Listen tonight to benefit from sage advice from two trusted advisors. Topics will include: How trying to “time the market” can lead to disaster. Why past performance is not a good indicator of future performance. An explanation of what we call “smart diversification” and how it can be put into practice. How a trusted advisor can help you stay-the-course. Some of the big lessons from long-term data analysis of the market, and why it is so important to view investing with a well-balanced/risk-appropriate portfolio as a long-term commitment.
Wed, August 02, 2017
In our daily lives, trusting our instincts is often the smartest thing to do. In an emergency, it can even save our lives. But studies have shown that when it comes to investing, your instincts are wrong more often than they’re right. Millions of people panicked and took their money out of the markets during the 2007 financial crisis – and then missed out on a huge turnaround that has segued into one of the longest bull markets in history. This week on The Lange Money Hour, CPA/Attorney Jim Lange will discuss investing with returning guest, Paul Merriman. Paul will discuss why it’s important to invest based on sound strategies and philosophies, and to stick to your plan – rather than reacting to “what just happened” on Wall Street. Paul is a nationally recognized authority on mutual funds, index investing, asset allocation, and passive and active management strategies. And like Jim, he’s spent time talking with and learning from legendary Vanguard CEO, Jack Bogle. On tonight’s program, Jim and Paul will also discuss the valuable lessons they’ve learned from this index investing pioneer, and other topics including: • How often to rebalance your portfolio • Asset allocation tips • And... optimal tax strategies To listen to the MP3 of this episode go to http://paytaxeslater.com/radioshow/langemoneyhour_199.mp3
Wed, July 19, 2017
What exactly is a Roth IRA conversion? What makes them such a big deal? Why would anyone in their right mind write the government a tax check before they had to? These questions and more will be answered tonight as top CPA/Attorney and IRA expert Jim Lange weighs in on the pro and cons, and the long-term and the short-term benefits of Roth IRA conversions. The fundamental distinctions between a traditional IRA and a Roth IRA is that the Roth IRA grows tax-free vs. tax deferred and there are no required minimum distributions (RMD) for the Roth owner or the owner’s spouse after the owner dies. If a Roth IRA is left to a child or grandchild, the income tax-free growth could potentially be measured in the millions, making them one of the most important and powerful tools in estate and retirement planning. The sticking point for many people is that you must pay income taxes up-front on the amount you convert from your traditional IRA to the Roth. Tonight, Jim will help listeners over this barrier giving people an exciting entré into the world of tax-free growth. Jim will include personal anecdotes that illustrate how valuable a Roth IRA conversion can be – including one story that shows it’s truly never too late to do one. Over the course of this episode, you will learn: • How to think about your IRA in terms of purchasing power vs. total dollars and why that is so important. • Why, contrary to what you might have heard, you are never too old for a Roth IRA conversion. • Whether you would be a suitable candidate for a Roth conversion. • When is the optimal time to make the conversion? • How to determine how much to convert? • Why making a series of conversions over a period of years is a smart move for tax purposes. • How to adjust your Roth IRA conversion plan over the long term, as tax laws and/or your personal situation changes. • How future tax increases might affect your accounts. • Why Roth IRAs are so valuable to your heirs. You can listen to the MP3 of this episode by going to http://paytaxeslater.com/radioshow/langemoneyhour_198.mp3
Wed, July 05, 2017
How do we become leaders? What makes a good leader great? What are some of the common traits that can be found among those who rise to the top of their fields? This week on the Lange Money Hour, CPA/Attorney Jim Lange will interview Alan Olsen, a noted San Francisco-area CPA -- and a fellow radio host. Alan is the host of the Bay Area program, “American Dreams,” where he interviews some of the country’s top business leaders and entrepreneurs. On tonight’s show, Alan will share with Jim some of the lessons he has learned from talking with his impressive guests over more than 500 episodes. Jim and Alan will cover topics such as: • The Psychology of Money: How do people become “savers” or “spenders?” • The Art of Philanthropy and the idea of “universal giving.” • How do we define a true leader? • Lessons learned from prominent athletes including legendary MLB pitcher, Vida Blue. • The importance of service: How we can and should give back. To listen to the MP3 file, http://paytaxeslater.com/radioshow/langemoneyhour_197.mp3
Wed, June 21, 2017
Pittsburgh Mayor Bill Peduto will likely see a second term in office after defeating two challengers in the May primary election—everyone locally is familiar with his name. But, President Donald Trump’s withdrawal from the Paris Climate Agreement pushed Peduto’s name into the national spotlight. When Trump justified his actions claiming to represent the people of Pittsburgh, the Mayor struck back saying, “I’m appalled that the President used my city to justify his unacceptable decision, as most other Pittsburghers are. I was one of the nation’s mayors who went to Paris to fight for the accords, and my city, which has finally bounced back from decades of industrial carnage, will do all it can to promote its own environmental standards.” Further, he and the mayor of Paris, Ann Hidalgo, published an op-ed in The New York Times. " The Mayors of Pittsburgh and Paris: We Have Our Own Climate Deal " stressing their mutual commitment to “embracing the global challenge of climate change.” So… three weeks later, how does the Mayor feel about that clash with the President? For an answer to that question and many more, join us on this episode on KQV as CPA and Attorney Jim Lange interviews Mayor Peduto. Get up to date on: • The Mayor’s goals for his second term • The current state of the City’s finances and the long-term outlook • Current and upcoming development projects • How the City is tackling infrastructure repairs, including ongoing water and sewer issues • How Pittsburgh is affected by the unusual political circumstances in Washington, D.C. • And… Pittsburgh’s role in the driverless car revolution KQV will rebroadcast the show this Sunday at 9:05 a.m. The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php , along with a written transcript. *All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Wed, June 07, 2017
Investing in low-cost index funds has risen sharply over the last 20 years – and for good reason. Studies have shown that the S&P 500 has historically outperformed the vast majority of active money managers. But that doesn’t necessarily mean you should be a “do it yourself” investor. DIY investors can fall victim to some very common mistakes – the biggest of which is letting their emotions -- rather than logic and data -- dictate their decisions. In fact, the numbers show that when investors listen to their “gut,” they’re wrong two out of every three times! On this episode of The Lange Money Hour , CPA and Attorney Jim Lange will welcome back his frequent guest and nationally recognized investment advisor, P.J. DiNuzzo, CEO of Pittsburgh-based DiNuzzo Index Advisors, Inc. P.J. and Jim will discuss the added value that a qualified, low-fee advisor who takes his or her fiduciary responsibility (acting in your best interest) seriously can bring to the investor/client relationship. Examples include: • Expertise on asset allocation. • Recommendations for Social Security planning. • Evaluating the options and the merits of Roth IRA conversions. • Understanding and planning for your future—not some generic future. • Offering reassurance in turbulent times to help you stick to a safe course of action. • Developing a coordinated and comprehensive financial plan that addresses short-term, long-term, and estate planning needs, as well as dreams and wishes—you might be very surprised to learn that you do have the resources for that dream vacation or a vacation home. KQV will rebroadcast the show this Sunday at 9:05 a.m. The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php, along with a written transcript. The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php , along with a written transcript. *All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Wed, May 17, 2017
Last month, Donald Trump proposed slashing taxes for both individual taxpayers and businesses. His plan, sketched out in a one-page statement given to reporters in late April, provided few details and didn’t explain how the tax cuts would be financed. The House – led by Speaker Paul Ryan – has its own ideas about tax reform, as does the Senate. There are a lot of unknowns. Which cuts will prevail? How will Congress decide? On this episode of The Lange Money Hour , CPA and Attorney Jim Lange welcomes back Laurence Kotlikoff. Kotlikoff is a renowned economics professor, columnist, and bestselling author. His recent WSJ op-ed piece indicates that he believes that the House plan is better for the economy than the Trump plan. Jim and Larry will discuss the specifics of each proposal, how they might affect you as a taxpayer and investor – and how you can prepare for the future. They’ll cover topics like: • The nuts and bolts of the House and White House plans, and why Larry thinks one is better than the other. • Whether he believes Trump and members of Congress truly understand tax issues well enough to make wise decisions. • What impact tax reform is likely to have on the deficit. • What Larry would do differently if he could propose a tax plan of his own. • If taxes fall under Trump, is it reasonable to assume they’ll go back up in the years ahead? • Do these tax fluctuations make it a good time to do a Roth IRA conversion? The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php , along with a written transcript. *All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Wed, May 03, 2017
Should you choose a Roth or a Traditional IRA? Is a Roth IRA conversion right for you? What are the tax implications of your choices, both now and taking into account potential future tax law changes? There are so many questions it can seem impossible to develop a sound strategy, but you need to have one. Hoping for the best is not a plan. On this episode of The Lange Money Hour , CPA/Attorney Jim Lange welcomes back Ed Slott, CPA, best-selling author and one of the top IRA experts in the country. The Wall Street Journal calls Ed’s website, irahelp.com, “The best source for IRA advice .” Listen to this show and learn from the best—your financial security depends upon it. On this program, Jim and Ed discuss: • The basics of Roth IRAs • The benefits of the Roth 401K and who is eligible • Common IRA mistakes Ed has come across in recent years • Strategies to help baby boomers minimize the tax impact of required minimum distributions • The importance of long-term planning over quick fixes • What to do if your income is too high to contribute to a Roth IRA (Back Door Roth IRA) • Whether taxes will go down, and if so, how members of the middle class can benefit • How you and your heirs can plan for the pending “Death of the Stretch IRA” • And… what Pittsburgh Pirate Hall of Famer Bill Mazeroski has to do with your retirement planning! The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php , along with a written transcript. *All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Wed, April 19, 2017
New leadership in Washington always brings with it an element of uncertainty for Americans, as both citizens and investors. In 2017, that uncertainty has been heightened following the unprecedented election of Donald J. Trump – the first man ever elected to the nation’s highest office without political or military experience.If you’ve followed the headlines, you know that President Trump’s first 90 days in office have been a rollercoaster ride. And for investors, one of the biggest unanswered questions is what the President will do when it comes to taxes.Last week, the White House announced that the President is scrapping the tax reform plan that he touted during his campaign in favor of a new plan – one that likely won’t be ready by a previously announced August deadline. When the new plan does arrive, will it still resemble the campaign plan? Or will Trump offer an olive branch to Democrats to try to get a deal done?In this episode of The Lange Money Hour: Where Smart Money Talks , CPA/Attorney Jim Lange will welcome back to the program Roberton Williams from the independent/nonpartisan Tax Policy Center. Bob joined Jim last fall to discuss how Trump’s tax policy proposals compared to Hillary Clinton’s. Now he’ll take a fresh look at the President’s past promises – and what might lie ahead.Jim and Bob will cover topics like:• What a Trump tax reform plan might look like• Whether Trump’s recent tax talk resembles what he promised on the campaign trail • The current status of potential tax changes• If individual tax rates go down, will they likely go up in the future?• If so, would that make it a great time to do a Roth IRA conversion?KQV will rebroadcast the show this Sunday at 9:05 a.m. The audio will also be archived on our web site at www.paytaxeslater.com/radioshow.php , along with a written transcript.*All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy or plan will be successful. Investment advisory services offered by Lange Financial Group, LLC.
Wed, April 05, 2017
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome tax expert Sandy Botkin. Taxes! We are all thinking about them this week—either congratulating ourselves for getting them done early or scrambling to beat the April 18th deadline. While revising the tax code may be on the government’s agenda, we are stuck with what we have for now. Avoiding costly mistakes, or better yet, taking advantage of tax breaks we are eligible for is everybody’s goal, but the IRS code is notoriously complex. Don’t miss this opportunity to learn how you can keep more money in your hands by giving less of it to Uncle Sam. And for those of you who have completed your taxes, if you learn something new, there will still be time to revise. Sandy has spent the past 20+ years teaching thousands of people how to save millions on their taxes. His expertise goes beyond simply saving money--he’ll also talk about the latest tax-related scams and how to avoid them. On the program, Jim and Sandy will comment on topics like: • Strategies to legally and ethically lower your taxes • What to do (and what not to do) as we approach tax day • Contributing to IRA and 401K plans before the deadline • The top 10 mistakes that individuals and small businesses make when filing their taxes • The tax pros and cons of getting Medicare with a supplement vs. Medicare Advantage • Tax scams and frauds: how to avoid them, and how to minimize their impact if they strike • What to do if you become the victim of identity theft
Wed, March 15, 2017
Making decisions about your financial future can be daunting. It’s hard to know which investment path to follow and how much risk you can tolerate. There’s a lot of noise to filter out -- from the talking heads on TV to advisors who aren’t necessarily looking out for your best interests, i.e., they are not fiduciary advisers who are legally bound to act in your best interest. You also need to evaluate whether you can navigate these choppy waters on your own, or if you would benefit from the help of an experienced, reputable advisor. In this episode of The Lange Money Hour: Where Smart Money Talks , CPA/Attorney Jim Lange and Pittsburgh-based investment expert, P.J. DiNuzzo, discuss how to invest successfully for financial independence and how to avoid the retirement pitfalls that can undermine your success. Jim and P.J. will cover: 1. Key personality traits of a successful DIY investor 2. The value of reputable advisor—both financially and in terms of peace-of-mind 3. What Gamma research and behavioral science can teach us about saving for retirement 4. How determining your optimal asset allocation depends on age, health and risk tolerance 5. The best techniques for diversifying your portfolio 6. Why you should try to BE the market, not BEAT the market
Wed, March 01, 2017
In this episode of The Lange Money Hour: Where Smart Money Talks , CPA/Attorney and retirement and estate planning expert Jim Lange will discuss his flexible estate planning techniques – focusing in particular on Lange’s Cascading Beneficiary Plan. We all face uncertainty when it comes to predicting who the ideal beneficiary for any given asset will be at the time of our death. We don’t know how much money there will be because we can’t know how the market will perform. There is uncertainty about which family members will have the greatest financial need at the time of our death. Will there be an expensive illness that will mean our surviving spouse needs all of the money? Or perhaps our spouse will have plenty of money, and our children or grandchildren could use the money more. If you draft estate planning documents that don’t account for changing circumstances, your heirs likely won’t get the full benefits of your assets. This strategy, which has been featured in The Wall Street Journal, Newsweek , and Kiplingers involves naming primary and contingent beneficiaries to your IRA or estate plan. What makes it so effective is the concept of “disclaiming” – the idea that each beneficiary can disclaim – or “pass” – on accepting an IRA or other assets. This allows the primary beneficiary to take the assets for themselves, or to say “I don’t need it,” and pass it to the next beneficiary in line. This episode will lay out how flexible estate planning cannot only help get your money into the right hands after your death, but can actually save your heirs thousands – or even hundreds of thousands – of dollars. And Jim will discuss how these techniques are likely to be affected by the looming “Death of the Stretch IRA.”
Wed, February 15, 2017
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome Brian Boswell, a subject matter expert on 529 savings plans. He is responsible for all things 529, including contributing content to the Savingforcollege.com web site, quarterly performance rankings, and media relations. Brian has worked with 529's in multiple capacities since 2001. Prior to joining Savingforcollege.com, Brian served as Director of Advisor Distribution to Ascensus College Savings (formerly Upromise Investments, Inc.), the leading administrator of 529 savings and prepaid plans. There he oversaw the advisor-related business of ACS. At FRC (Financial Research Corporation) Brian served as Subject Matter Expert for educational savings research, responsible for developing and overseeing all FRC products and services related to college savings plans. For most American parents, saving for a child’s higher education is a daunting task. Many of us don’t have the resources to begin saving early enough even if we know we should. One way to chip away at the problem is to enlist the support of family with contributions to a college saving plan. But what is the best way to do that? Are some plans more flexible than others? Do any offer tax advantages? With average tuition and fees at both private and public colleges and universities hitting unbelievable numbers, take time to learn the ABC’s of 529 plans. TOPICS COVERED: 1. What will it cost to pay for college? 2. How much will I need to save? 3. What is a 529 Plan? 4. How does a 529 Plan impact financial aid eligibility? 5. What will it pay for? 6. Which plan is best? 7. Why not just use a Roth IRA to save for college?
Wed, February 08, 2017
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome Larry Swedroe, a noted researcher and nationally recognized investment expert. Larry is director of research for Buckingham Strategic Wealth. He has authored 15 books, including his latest, Your Complete Guide to Factor-Based Investing, as well as Think, Act & Invest Like Warren Buffett, among many others. Larry has made numerous appearances on TV, sharing his ideas with viewers of NBC, CNBC, CNN and Bloomberg Personal Finance. As a researcher, Larry has earned a reputation for evidence-based investing and exposing misinformation coming out in the mainstream financial media. In this episode you’re going to learn what alpha is, why most investors don’t take Warren Buffett’s advice, why active money management is a loser’s game, and we'll review Larry’s list of some of the lessons we learned from the market in 2016. TOPICS COVERED: 1. Introduction of Larry Swedroe 2. Investment Lessons from 2016 3. Active Money Management Is a Loser’s Game 4. Passively Managed Funds Outperform Index Funds 5. Better Value Justifies Higher Operational Costs 6. Best Returns Occur When the Unexpected Happens 7. Resist the Urge to Panic and Sell 8. Good and Bad Sides of Donald Trump Will Disrupt Markets 9. Emerging Markets Attractive to Investors Who Can Handle Volatility 10. Investors Would Be Smart to Ignore All Market Forecasts 11. Keep Your Political Views Out of Investment Decisions 12. Trump’s Opposition to Free Trade Is Dead Wrong To read the show transcript or listen to the MP3 file, http://bit.ly/2ouiYDH
Wed, January 25, 2017
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome Dan Penning. Dan is the founding member of the Penning Group Advisors and Attorneys. Mr. Penning is a nationally recognized expert in cottage law and succession planning for family-legacy assets. The Penning Group maintains offices in Suttons Bay, Grand Rapids and Novi, Michigan. Jim and Dan will talk about cottages, second homes, and answer questions such as, is second home really worth it? and is it a consumer of wealth or a producer of wealth? They'll also talk about tax laws affecting second homes, renting out and maintaining those homes, and also planning to pass your property down to the next generation. TOPICS COVERED: 1. Introduction of Dan Penning of Penning Group Advisors and Attorneys 2. Second Home Usually Is a Consumer of Wealth, Not a Producer of Wealth 3. Second Home That’s Far Away Is More Difficult to Enjoy 4. Renting Out Your Second Home Has Tax Advantages 5. Is It Smarter to Rent a Second Home Before Buying It? 6. Best Ways to Pass a Second Home to the Next Generation 7. LLC Is Good Way to Structure Ownership, Maintenance, Transfer of Interest 8. Planning to Avoid Conflicts Is Cheaper Than Going to Court 9. Penning Group Works With Clients, Attorneys in 33 States 10. Two Books Provide Basic Information on Protecting Second Home To read the show transcript or listen to the MP3 file, http://bit.ly/2nEiuI0
Wed, January 04, 2017
With New Year’s celebrations behind us, it’s time to look toward what the financial world has in store for us in 2017. Unfortunately, retirement and estate plans may be taking a huge tax hit from the IRS this year. As Jim mentioned in Part I, the “stretch IRA” has been an invaluable tax-management tool for investors and estate planners for decades. Today’s rules allow beneficiaries of inherited IRAs to limit distributions to the minimum, which maintains money in the tax-deferred environment and allows for compound tax-deferred growth - potentially a very lucrative strategy. But in September of 2016, the Senate Finance Committee unanimously voted to kill the stretch IRA. It is very likely that this change will become law this year - and that the new law will require those who inherit an IRA to pay taxes on all but $450,000 of the money within five years. While the strategies in Jim’s new book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA (available for free at www.paytaxeslater.com ) can help you reduce the impact of this potentially devastating law, it will still be major blow to any family who has more than $450,000 in their IRA or retirement plan. In this episode of The Lange Money Hour , Jim will talk about the impact of the “death of the stretch,” focusing specifically on little-known - but perfectly legal - strategies to prepare for its passage, including: TOPICS COVERED: 1. Roth IRA conversions 2. Maximizing Social Security 3. Flexible estate planning 4. The value of a Charitable Remainder Unitrust (CRUT) as the beneficiary of an IRA 5. Setting up a gifting program To read the show transcript or listen to the MP3 file, http://bit.ly/2lhA6Yu
Wed, December 28, 2016
Retirement and estate plans may soon be taking a huge tax hit from the IRS. The “stretch IRA” has been a critical tax management tool for investors and estate planners for decades. Current rules allow beneficiaries of inherited IRAs to limit distributions to the minimum, which maintains money in the tax-deferred environment and allows for compound tax-deferred growth - a very profitable strategy. But in September, the Senate Finance Committee unanimously voted to kill the stretch IRA. It is very likely that this change will become law sometime in 2017 - and that new law will require those who inherit an IRA to pay taxes on all but $450,000 of the inherited IRA within five years. While the strategies in Jim’s new book, The Ultimate Retirement and Estate Plan for Your Million Dollar IRA (available for free at paytaxeslater.com) will reduce the impact of this miserable law, it will still be a major blow to the heirs of anyone who has more than $450,000 in their IRA or retirement plan. In this episode of The Lange Money Hour , Jim will talk about the impact of the “death of the stretch” for everyone who isn’t a financial planner--that is to say, in layman’s terms that we can all understand. TOPICS COVERED: 1. How Does the Stretch IRA Save My Heirs Money? 2. Calculating Your Minimum Required Distribution 3. Why Is the Stretch IRA Likely to Go Away? 4. Without Stretch, Heirs Must Pay Taxes on Entire IRA in 5 Years 5. ‘A Heist of a Middle-Class Retirement’ 6. Death of the Stretch IRA Would Not Affect Spouses 7. IRAs Less Than $450,000 Not Affected If Stretch IRA Dies 8. Tax Exclusion of the First $450,000 Would Be Prorated 9. Exceptions for Disabled, Chronically Ill and Minors To read the show transcript or listen to the MP3 file, http://bit.ly/2lo0Xmd
Wed, December 14, 2016
In this episode of The Lange Money Hour, Jim welcomes guest P.J. DiNuzzo, a nationally recognized expert in investment management and president of DiNuzzo Index Advisors, Inc. P.J. was one of the first few hundred independent advisors in the U.S. permitted to access Dimensional Fund Advisor's (DFA) index funds for individual investors. DiNuzzo Index Advisors, Inc. consistently ranks among the country's Top 500 investment companies. Jim and P.J. will be talking about the foundations of your financial house. Just as a solid house is built on a good foundation, you cannot ignore the foundations of your financial house. The four corners of your financial house include: legal planning, tax planning, financial planning, and investment planning. A bad foundation can undermine your security, and jeopardize your long-term objectives. In this episode, you will learn how your CPA, estate attorney, and money manager should work together to protect your best interests. Jim and P.J. will also discuss the Senate Finance Committee’s recent vote to kill the “Stretch IRA” -- which signals a major change on the horizon that could devastate your ability to pass wealth to your children and grandchildren. The so-called “Death of the Stretch IRA” is also covered in-depth in Jim’s new book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA. This show will discuss: • How to build a good foundation for your financial house. • The value of a personal balance sheet. • How Jim and P.J. manage their collaboration, and the value for the client. • An overview of index funds and a review of the market for 2016. • The "Death of the Stretch IRA". Interested listeners can sign up to receive Jim's latest book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA: Including How to Protect Your Nest Egg from the Pending “Death of the Stretch IRA” Legislation by going to: www.paytaxeslater.com/MillionDollarIRA To listen to this radio show and others, go to www.paytaxeslater.com/radioshow.php
Tue, November 15, 2016
The outcome of this past election caused economic jitters nationally and internationally. The first response was a precipitous drop of almost 700 points in Dow futures. Since the initial drop, the market has rebounded reaching an all-time high. Is this our future? Will we be on an economic rollercoaster for the next four years? The market is never very comfortable with unpredictability, and individuals approaching retirement are never very comfortable when the market is unpredictable. In this The Lange Money Hour episode, we are pleased to welcome Charlie Smith, Chief Investment Officer of Fort Pitt Capital Group, LLC. Charlie's perspectives on the economy and the markets are widely regarded. His opinions have been and continue to be solicited by representatives of the financial media, including CNBC and The Wall Street Journal. He has written and lectured on these subjects over the course of his 33-year career, which has included leadership roles with several Pittsburgh regional investment firms. To listen to this radio show and others, go to www.paytaxeslater.com/radioshow.php
Wed, November 02, 2016
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome Linda Waite, the Lucy Flower Professor of Sociology at the University of Chicago and Senior Fellow at NORC (an independent research organization affiliated with the University of Chicago), where she directs the Center on Aging. Her research focuses on sexuality, social connections and health at older ages. One of her current projects develops and tests a reconceptualized model of health at older ages. Linda is also the author of The Case for Marriage: Why Married People Are Happier, Healthier & Better Off Financially. This radio show discuses the five myths about marriage, the happiness and health gaps between married and unmarried people, the relationship between marriage and money — for instance, how married people spend and save differently than single people — and should people get married for the money. TOPICS COVERED: 1. Introduction of Linda Waite, University of Chicago 2. Children Lose in Divorce, Financially, Materially and Emotionally 3. Single-Parent Families Have Fewer Resources, Less Parental Time 4. Parent’s Marriage to a New Partner Is Highly Stressful for Children 5. Less Is Required From Unmarried Couples Who Live Together 6. Young Children Can Be at Risk When a Mother Cohabitates 7. Cohabitation Is Rare Among Older Couples ‘Living Apart Together' 8. Married Couples Have Many Times More Assets Than Unmarried People 9. Living Separately Is Cheaper, But Not by Much 10. Married People Are Less Depressed, in Better Health, Have Better Sex 11. Wives Manage the Health Care of Their Husbands 12. Divorce, Poor Marriage Affect Woman’s Health More Than Men’s Health To read the show transcript or listen to the MP3 file, http://bit.ly/2kWTTvb
Wed, October 19, 2016
In this episode of The Lange Money Hour: Where Smart Money Talks , we welcome to the show New York attorney Bruce Steiner, a prolific author and nationally recognized expert on taxation and estate planning. Bruce has over 40 years of experience in the areas of taxation, estate planning, business-succession planning and estate and trust administration. Among many other positions, Bruce Steiner is a commentator for Leimberg Information Services, Inc. He’s a member of the Editorial Advisory Board of Trusts and Estates and is a technical advisor for Ed Slott’s IRA Advisor. Bruce has been quoted in various publications and on various television outlets, including Forbes , The New York Times , The Wall Street Journal , CNBC, Fox Business and TheStreet.com. Jim and Bruce will discuss the 10 common mistakes people make in retirement planning, Roth IRA conversions, the potential death of the stretch IRA, and the differences between Hillary Clinton and Donald Trump’s tax proposals. 1. Introduction of Bruce Steiner: Tax and Estate-Planning Expert, Lawyer, Author 2. Comparison of Clinton and Trump Tax Plans 3. Impact of the Possible Death of the Stretch IRA 4. Charitable-Remainder Trust Is One Way to Save on Taxes 5. Roth IRA and Roth IRA Conversions Can Be Tremendously Beneficial 6. Conversion to Roth IRA Can Be Done in Increments Over Several Years 7. Designating a Trust as IRA Beneficiary Protects Against ‘Ex-Factor’ 8. Your Spouse Usually Is the Best Choice as Beneficiary To read the show transcript or listen to the MP3 file, http://bit.ly/2fLu2XH
Wed, October 05, 2016
In this episode of The Lange Money Hour , Jim gives his listeners the most important advice offered in his newest book, The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA . The Ultimate Retirement and Estate Plan for Your Million-Dollar IRA , provides clear and specific solutions to current tax issues regarding retirement plans, but perhaps more importantly, looks ahead to upcoming legislative actions that could reduce the value of your IRA. Those distressing changes, something we call “The Death of the Stretch IRA,” could cost your family hundreds of thousands, or potentially, millions of additional tax dollars over your children’s lives. Jim will focus on the 6 main themes in the book that will help you decide how to prepare for the probable “Death of the Stretch IRA” and how to grow your retirement nest egg, and keep it out of Uncle Sam’s hands: • Pay taxes later (except for the Roth) when working and when planning for your estate. • The benefits of Roth IRA conversions. • The most flexible estate plan for married couples. • Make gifts that grow tax-free including 529 plans and life insurance. • Charitable Trusts as the beneficiary of your IRA that could give your children more life-long income. • The grand slam - combining winning tax strategies with low-cost investing. Interested listeners can sign up for that bonus NOW by going to: www.paytaxeslater.com/MillionDollarIRA
Wed, September 21, 2016
In this week’s archive of The Lange Money Hour: Where Smart Money Talks , we’re very excited to welcome Jonathan Clements back to the show. Jonathan Clements is one of the country’s foremost experts on personal finance. Jonathan was a columnist for The Wall Street Journal , where he worked for almost 20 years. He also spent six years as director of financial education for Citi Personal Wealth Management. These days, Jonathan is involved with a financial startup, sits on the investment committee of Creative Planning in Leewood, Kansas, and regularly blogs at JonathanClements.com. Jonathan has written six books on personal finance, including the best-seller The Little Book of Main Street Money and the Jonathan Clements Money Guide 2016 , but tonight, we’re going to focus on his latest, How to Think About Money , which came out e arlier this month. In this episode, Jonathan and Jim discuss the book’s five core insights: buy more happiness, bet on a long life, rewire your brain, think big and win, don’t lose. To find out what all of that means, take a listen to this episode of The Lange Money Hour: Where Smart Money Talks. TOPICS COVERED: 1. Introduction of Jonathan Clements, Author and Personal-Finance Adviser 2. Buy More Happiness, Not More Things 3. Bet on a Living Long Life 4. Achieve Financial Freedom Early in Work Life 5. Rewire Your Brain to Overcome the Instinct to Spend Now 6. Think Big About Your Ability to Earn Income 7. To Win, Don’t Lose To read the show transcript or listen to the MP3 file, http://bit.ly/2dku9YC
Wed, August 17, 2016
In this week’s podcast of The Lange Money Hour: Where Smart Money Talks, we welcome to the show Roberton Williams, Sol Price Fellow at the Urban-Brookings Tax Policy Center at the Urban Institute, where he focuses on communicating the Tax Policy Center’s broad range of work through papers, blog posts on TaxVox, extensive interaction with the media, and a broad range of features on the website. With the presidential election less than three months away, Americans are preparing to choose between two very different candidates. In this episode Jim and Roberton take a look at what might be in store for Americans in terms of Hillary Clinton and Donald Trump’s economic policies. TOPICS COVERED: 1. Introduction of Roberton “Bob” Williams of the Tax Policy Center 2. No Ax to Grind: Tax Policy Center Provides Unbiased Information to Inform the Discussion 3. The Clinton Plan: Big Hikes on the Wealthy Would Raise $1 Trillion Over a Decade 4. Would the Wealthy Change Their Behavior to Avoid Paying Higher Tax Rates? 5. The Trump Plan: More Americans Would Pay No Income Tax; Deep Cuts for Wealthy 6. Trump Plan Would Slash Corporate Taxes, Add $9.5 Trillion to Deficit Over a Decade 7. More Clarity on Tax Plans Is Needed, Expected From Both Candidates 8. Trump Has Not Outlined Spending Cuts to Offset Severe Revenue Losses 9. With Huge Tax Cuts and No Spending Cuts, Government Would Have to Borrow More 10. Would Clinton’s Increases Curb Economic Growth? It Depends on Economic Opportunity 11. The Role of Congress: No President Can Unilaterally Dictate Tax Policy 12. We’re All in Agreement: Complicated U.S. Tax System Needs Reform 13. Where to Go to Learn More About How Taxes Affect You 14. Taxes Are Just a Small Factor in the Decision to Get Married 15. U.S. Is a ‘Relatively Low-Taxed Country Compared to Others’ 16. Retirement of Baby Boomers Is Likely to Put Upward Pressure on Tax Rates 17. Alternative Ways to Raise Revenue: Federal Sales Tax and Value-Added Tax
Wed, August 03, 2016
In this episode of The Lange Money Hour: Where Smart Money Talks, we welcome to the show Morningstar's David Blanchett. David is head of retirement research at Morningstar Investment Management, LLC, and in that role, he works to enhance the group’s consulting and investment services and conducts research primarily in the areas of financial planning, tax planning, annuities and retirement. In 2014, Investment News included David in their inaugural “Forty Under Forty” list as a visionary for the financial-planning industry, and in 2014, Money magazine called him one of the brightest minds in retirement planning. He’s a retire mentor for Market Watch and an expert retirement panelist for the The Wall Street Journal. TOPICS COVERED: 1. Guest Introduction: David Blanchett of Morningstar Investment Management 2. Should You Spend More Early in Retirement While You’re Relatively Healthy? 3. The Three Buckets: Needs, Wants and Wishes 4. Key Factors: How Long Will You Live, What’s the Return Rate, How Much Will You Spend? 5. David Blanchett’s 25-Times Rule for Sufficient Savings and Accounting for Inflation 6. Managing Your Portfolio with Flexibility, As If It Were an Endowment 7. Think in Terms of ‘Risk Preference’ Rather Than ‘Risk Tolerance’ 8. Your Paid-Off Home Is a Powerful Asset for a Comfortable Retirement 9. Comprehensive Planning and the Idea That ‘No Portfolio Is an Island’ 10. Beyond Alpha and Beta: The Gamma of Holistic Financial Planning 11. David Blanchett’s Retirement Rule of Thumb: One Size Does Not Fit All 12. Bucket Analogy Helps Clients Better Understand How Portfolio Works for Them 13. One Overall Goal, But Different Investment Strategies to Get There 14. David Blanchett’s Best Advice: You Only Retire Once, Don’t Screw It Up
Wed, July 27, 2016
Who wouldn’t want to invest like Warren Buffett? He’s one of the most successful investors in the world, and yet, most people don’t follow his recommendations about where they should be putting their money. In this edition of The Lange Money Hour, we welcome nationally recognized investment expert Larry Swedroe, the author of the book Think, Act and Invest Like Warren Buffett: The Winning Strategy to Help You Achieve Your Financial and Life Goals. Like Warren Buffett, Larry believes that passive investing through index funds is the best path to prosperity, and he’s done the research to back it up. Larry is director of research for Buckingham Asset Management. Including the Warren Buffett book we’ll be talking about Larry's other books, including his latest, The Incredible Shrinking Alpha, and he’s working on book number 15 as well, called Your Complete Guide to Factor-based Investing. In this podcast you’ll learn a great deal about passive and active investing and how to get into that Warren Buffett mind-set. TOPICS COVERED: Guest Introduction: Larry Swedroe, Author and Wealth Manager, Most Investors Do the Opposite of What Warren Buffett Advises Warren Buffett’s Advice: If You’re Not Me, Invest in Passive Index Funds, It’s Possible, but Very Few Win the Loser’s Game of Active Management, With the Right Value Stocks, You Can Outperform Warren Buffett,‘Gross Profitability’ and ‘Equality Factor’ are Different from Earnings, The Importance of the ‘Profitability Factor’ in Index Funds, Small-Value Funds from the Bottom Third Capture More Premium, Beyond the Investments, You Need the Discipline to Withstand Bear Markets, Why the New Rules on Fiduciary Responsibility are Critical, Whoever Wins the White House in November Will Have an Effect on Investors
Thu, July 07, 2016
The Lange Money Hour welcomes back to the program Charlie Smith, executive vice president and chief investment officer of Fort Pitt Capital Group. Over the course of his 32-year career, Charlie has held leadership positions at several Pittsburgh regional investment firms, and he’s been a frequent lecturer and commentator on the economy and the market. You might have seen him on CNBC, or perhaps read his work in the Wall Street Journal. On this show among other things, we’ll talk about the big news that everybody’s been talking about, the Brexit vote, the implications for U.S. investors and what we can expect for the remainder of 2016 as a result. Plus, Charlie will talk about estimates of fair value for the U.S. stock market, what he thinks the Fed will do for the rest of the year, and his outlook for corporate earnings. TOPICS COVERED: Guest Introduction: Charlie Smith, Brexit’s Trade Consequences, Brexit and the Market, Fair Value, Fiduciary Advisors and New Rules, Advice for Investors in the Accumulation Stage
Thu, June 09, 2016
Episode 172 - Preparing for the Death of the Stretch IRA with Jim Lange
Thu, May 12, 2016
Can investors spend more than the traditional 4% safe withdrawal rate in their 60s and 70s with the idea they are likely to spend less later in life? David Blanchett is on the cutting edge of this and many other financial issues. David provides a fresh look at the 4% safe withdrawal rate and has significantly different conclusions than Bill Bengen, the best known safe withdrawal expert in the world, who also appeared on The Lange Money Hour. This is a great show and very worth your time, especially if you are in your sixties or seventies. TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, The Safe Withdrawal Rate, A Change in the Safe Withdrawal Rate?, How Long Can You Expect Your Money to Last?, Lump Sum of Annuity, The Best Asset Allocation, Diversification
Fri, April 29, 2016
Maximizing Long-Term Investment Profits with Dr. Roger Ibbotson. Roger G. Ibbotson is chairman and CIO of Zebra Capital Management, LLC, an equity investment and hedge fund manager. He is founder, advisor and former chairman of Ibbotson Associates, now a Morningstar Company. He has written numerous books and articles including Stocks Bonds Bills and Inflation with Rex Sinquefield (updated annually) which serves as a standard reference for information and capital market returns.
Fri, April 15, 2016
Episode 169 - Passing Your Wisdom and Values to Your Family: Ethical Wills with Susan Turnbull
Wed, March 30, 2016
Episode 168 - The Seven Costly Mistakes IRA Owners Make in Their Estate Plans with Matt Schwartz
Thu, March 17, 2016
Episode 167 - Burton Malkiel: A Random Walk Down Wall Street - Decades of Investment Wisdom
Fri, March 11, 2016
Episode 166 - Ed Slott’s Retirement Decision Guide, 2016
Fri, March 04, 2016
Episode 165 - Supporting the Four Corners of Your Financial House with P.J. DiNuzzo - Your financial house has four corners: legal planning, tax planning, financial planning, and investment planning. Take away one corner, or build it improperly, and your entire house could fall down around you. Having the strongest possible foundation for your family’s financial success means ensuring that all of these corners are fully supported. Want to enjoy your retirement to the fullest and leave a legacy behind for your heirs? It is important that your CPA, estate attorney, financial planner, and investment managers work as a team, at the highest level, to optimize your planning.
Fri, February 26, 2016
Episode 164 - Jonathan Clement's Money Guide 2016 - Looking for guidance in making decisions that will impact your family’s long-term financial well-being? A great resource is former Wall Street Journal personal finance columnist, Jonathan Clements’ new book, Money Guide 2016. Now available for purchase, this book includes insight on the most important financial topics such as: Retirement, College, Estate Planning, Home Buying, Personal Finance, Tax Information for 2015-2016
Fri, February 19, 2016
Episode 163 - Jane Bryant Quinn Shows You How to Make Your Money Last - TOPICS COVERED: Guest Introduction: Jane Bryant Quinn, Safe Withdrawal Rates, Immediate Annuities: Who Are They Right For? Pension Decisions: Single or Two-Life? Reverse Mortgages
Sat, February 13, 2016
TOPICS COVERED: Guest Introduction: Dr. Laurence “Larry” Kotlikoff; New Legislation: The End of ‘Apply and Suspend’; Candidates and the Economy; Social Security and When to Take It
Fri, February 05, 2016
TOPICS COVERED: Guest Introduction: Jason Zweig; Jason’s Definitions; Fiduciary Advising; Psychology, Neuroscience and Investing?; The Insight into Index Funds; Limiting Yourself to Domestic Investments
Thu, January 28, 2016
TOPICS COVERED: Guest Introduction: P.J. DiNuzzo; The DiNuzzo Money Bucket Stack Analysis; Apply and Suspend for Social Security; Claim Now, Claim More Later; What can an Advisor add above and beyond Investment Returns?
Fri, January 22, 2016
TOPICS COVERED: Show Introduction: Social Security Law Changes; The Social Security Basics; Apply and Suspend; Claim now, Claim More Later
Mon, January 18, 2016
TOPICS COVERED: Guest Introduction: Michael Lamb; Pittsburgh’s Financial Health; Tax Exempt Property; Oversight of the Financiers of the City; Open Book Pittsburgh; Infrastructure; Connect Pittsburgh; Business or Politics?
Tue, January 12, 2016
TOPICS COVERED - Show Introduction: Preparing for the Death of the Stretch IRA; IRAs and Required Minimum Distributions; What is the “Stretch” IRA?; Now that We know about the Stretch, What is the Death of the Stretch?; How to Prepare for the Death of the Stretch
Mon, January 04, 2016
TOPICS COVERED: Show Introduction: Avoiding Pitfalls along the Road to a Secure Retirement; Mistake One: Not Having a Well-Diversified Portfolio; Preparing for Changes in Tax and Estate Laws; When to Consider an Annuity; Premiums; Asset Allocation; The One-Minute Social Security Strategy
Mon, December 28, 2015
TOPICS COVERED: Guest Introductions: Carolyn Rosenblatt and Mikol Davis; Starting the Conversations; Naming a Power of Attorney and Telling Them; Establishing Competency; Giving up Independence
Tue, December 22, 2015
TOPICS COVERED: Guest Introduction: Larry Swedroe, Author, MBA in Finance & Investment; What is Alpha?; Active versus Passive Management; Considering Premiums; Advice for the Do-It-Yourselfer; How to Choose the Right Advisor
Mon, December 14, 2015
TOPICS COVERED: Guest Introduction: P.J.DiNuzzo; Diversification; Are Stocks and Bonds Still a Good Investment?; A Safer Portfolio; The DiNuzzo Money Bucket Stack Analysis; The Difference between Active Investing and Index Investing
Thu, December 10, 2015
TOPICS COVERED: Guest Introduction: Ed Slott, CPA; Roth IRAs as an Alternative to a 529 Plan; The Importance of Beneficiary Forms; Potential Death of the Stretch; An Alternative to the Stretch; The Integration of Social Security Strategies and IRA Strategies
Wed, December 02, 2015
TOPICS COVERED: Show Introduction: The Updated Retire Secure; Pay Taxes Later: IRAs; The Exception to the Rule: The Roth; Estate Planning; When to Start Collecting Social Security
Tue, November 24, 2015
TOPICS COVERED: Guest Introduction: Paul Merriman, Retired Financial Advisor, Author, Approaching Asset Allocation Savings, Small vs. Large Companies, Value vs. Growth, Bonds
Tue, November 17, 2015
TOPICS COVERED: Guest Introduction: Dr. Linda Babcock; Speaking Up; Negotiating; Going in with a Knowledge Base; The Important of Being in the Room; The Negotiating Basics; Fairness
Tue, November 10, 2015
TOPICS COVERED: Guest Introduction: P.J. DiNuzzo; Premiums and Risk; Value vs. Growth Stocks; Why do Some Premiums Outperform the Market?; Smart Beta; Rules-Based Factors; Impurities in ETFs
Wed, November 04, 2015
What Investors Can Expect in 2015-2016 with Charlie Smith
Thu, October 22, 2015
TOPICS COVERED: Show Introduction, Caller One: Roth IRA Conversions and Apply and Suspend, Caller Two: The Death of the Stretch IRA, Trusts for Younger Generations Inheriting IRAs
Wed, October 14, 2015
TOPICS COVERED: Guest Introduction: Sandy Botkin, Starting Your Own Business, Income Shifting, Making the Right Choices Regarding Undergraduate Education, The Health Savings Account
Wed, October 07, 2015
TOPICS COVERED: Guest Introduction: Dr. Larry Kotlikoff, Reasons to Hire an Advisor, Holding off on Collecting Social Security, Spending More Money, Not Less with Apply and Suspend, Roth IRA Conversions at the Lowest Tax Bracket
Wed, September 30, 2015
TOPICS COVERED: Guest Introduction: Dr. Jim Dahle, Pitfalls for Physicians, Picking the Right Specialty, Index Funds, Live Like a Resident, Learning on the Job, The Source of Dr. Dahle’s Drive, Insurance as Part of Smart Saving, Health Savings Accounts, The 'Back Door Roth', Keeping Insurance Separate from Investing
Wed, September 23, 2015
TOPICS COVERED: Guest Introduction: Jonathan Clements, Weekly Columnist for The Wall Street Journal and Bestselling Author, Online Retirement Calculators, Safe Withdrawal Rates, Paying Off Debt, Living on Less, Are Second Homes a Good Idea? Variable Annuities, Long-Term Care Insurance, Low-Cost Indexes
Wed, September 16, 2015
TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, The History of Indexing, Getting the Asset Allocation Correct, Listener Email Inquiry, Stocks versus Bonds, Value and Growth Stocks, Momentum, Direct Profitability, Smart Beta, The Importance of Cost
Thu, September 10, 2015
TOPICS COVERED: Guest Introduction: Roy Williams, CEO, Prestige Wealth Management Group, Retirement Mistake Number One: Outliving Your Savings, Listener Questions: Apply and Suspend, Yearly Withdrawals, and Asset Allocation, Advice for Clients Considering a Divorce, Retirement Mistake Number Two: Underestimating Healthcare Costs, A Brief Address on Inflation
Wed, August 26, 2015
Episode 139 - Inheriting IRAs and Roth IRAs with guest Michael J. Jones - TOPICS COVERED: Guest Introduction: Mike Jones, IRA Beneficiary Forms, To "Trust” or Not to “Trust", Inherited IRAs, Disclaimer Planning, Protecting Spendthrift Beneficiaries, Stretch IRAs
Fri, August 14, 2015
Episode 138 - The Financial Benefits of Marriage - TOPICS COVERED: Show Topic Introduction: The Financial Benefits of Marriage, Trusts & Estates, Optimizing Social Security Benefits, Getting the Most out of an IRA, The Few Financial Disadvantages of Marriage
Thu, August 06, 2015
Episode 137 - World Class Investing with guest P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx - TOPICS COVERED: Different Investors, Different Thoughts, Emotional Investing versus Objective Investment Strategy, What is Asset Allocation and Why is it Important? Asset Allocation versus Diversification, Common Diversification Mistakes, Asset Class Decisions, Indexing versus Active Money Management, The Difference Between Vanguard and Dimensional Fund Advisors, Rebalancing
Mon, August 03, 2015
Episode 136 - Ed Slott helps IRA Owners Protect their Legacy - TOPICS COVERED: Guest Introduction: Ed Slott, CPA, America’s IRA Expert, The Stretch IRA and How It Might be Changing, Encouraged Planning, IRA Creditor Protection, Rollover Limitations, Roth IRA Conversions, Differences between IRAs and Employer-Sponsored Retirement Plans, The Five Step Action Plan to Defuse the Retirement Savings Time Bomb, Naming Trusts as IRA Beneficiaries
Thu, July 23, 2015
Episode 135 - Jonathan Clements: A Good Friend Writes Again - The Lange Money Hour: Where Smart Money Talks - James Lange, CPA/Attorney: TOPICS COVERED: Guest Introduction: Jonathan Clements, The Jonathan Clements Money Guide, Returning to The Wall Street Journal, Family Mortgages, Responding to Increased Market Volatility, Indexes, Immediate Annuities, Reverse Mortgages, Fears about Inflation: What is Justified and What isn’t, Acting Upon Things You Can Control
Mon, July 20, 2015
Episode 134 - Michael Lamb, Pittsburgh City Controller - TOPICS COVERED: Guest Introduction: Michael Lamb, Controller, City of Pittsburgh, Pittsburgh’s Financial Health, The City and the County Working Together, Proposed Tax Increases, The Redevelopment of the former Civic Arena Site, The Transfer Tax, City Pension Liability, Roads and Bridges, Water and Sewage
Thu, July 09, 2015
Episode 133: John Bogle, a Financial Industry Giant, Addresses Congress - Guest: John Bogle, Founder, Retired CEO of The Vanguard Group - TOPICS COVERED: Guest Introduction: John Bogle, Low Cost Index Funds, Advice to Employees Building Their Retirement Plan at Work, Advice to Employers, Social Security: Why Is It Broken and What Can Be Done to Fix It?, Defined Benefit (aka Pension) Plans, Problems with Defined Contribution Plans, Fiduciary Standard, Resources for Investors
Wed, July 01, 2015
Creating a Comprehensive Retirement Strategy, Guest: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx, Episode 132 - TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx, A Little Bit More about Jim and What a Meeting with Jim Looks Like, Meeting with P.J. DiNuzzo, Defining “Fiduciary Standard”, A Second Consultation with P.J. DiNuzzo, “I want to commit. Now what?”
Wed, June 24, 2015
Using Nobel Prize Research to Maximize Investment Returns, Guest: Paul Merriman, Episode 131 - TOPICS COVERED: Guest Introduction: Paul Merriman, Retired Financial Advisor & Author, Why is Education Important for the Investing Public?, Resources for the Investor, Comparing Dimensional Fund Advisors to Vanguard, Differences in Portfolio Construction, Diversification within Fixed Income Classes and Bonds, Eugene Fama and the Nobel Prize for Financial Economics
Mon, June 15, 2015
The Quest for Alpha, Guest: Larry Swedroe, MBA, Episode 130, TOPICS COVERED: Guest Introduction: Larry Swedroe, Defining "Alpha", The Four Factors, Index Fund Recommendations, Reducing the Risk of the Black Swan
Wed, June 03, 2015
The Importance of Asset Allocation, James Lange, CPA/Attorney, Guest: Dr. Roger Ibbotson, Founder, Chairman and Chief Investment Officer of Zebra Capital and Professor in the Practice Emeritus of Finance at the Yale School of Management, Episode 129 TOPICS COVERED: Guest Introduction: Dr. Roger Ibbotson, The Efficient Market, Long Term Premiums, Alpha and Beta, Eugene Fama, Making the Best Investments, Robert Shiller and Behavioral Science, Questions from Listener John about How Much to Invest Where and Dimensional Fund Advisors, Asset Allocation
Thu, May 28, 2015
The View of Pittsburgh from the Mayor’s Office, James Lange, CPA/Attorney, Guest: Bill Peduto, Mayor, City of Pittsburgh, Episode 128, TOPICS COVERED: Guest Introduction: Bill Peduto, Act 47, The August Wilson Center, Pittsburgh’s Major Non-Profits, Technology Upgrades, New Transportation Options in Pittsburgh, Public Parking, Commuter Tax, City-County Cooperation, The Site of the former Civic Arena
Thu, May 21, 2015
Enhanced Social Security Planning: Getting The Most of Your Social Security Benefits, James Lange, CPA/Attorney, Episode 127, TOPICS COVERED: Show Subject Introduction: Social Security Planning, When to Apply for Social Security, Taking Advantage of “Apply and Suspend”, Taking Social Security Benefits on a Divorced Spouse, How Much Money Are We Really Talking About?, Suspending the Collection of Benefits After You’re Started Taking Them, The Synergy Between Social Security and Roth IRA Conversions
Thu, May 14, 2015
Supporting the Four Corners of Your Financial House, James Lange, CPA/Attorney, Guest: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx, Episode 126, TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx, The DiNuzzo Stack Analysis, Fiduciary Responsibility, Behavior Coaching, Taking Advantage of a Dynamic Withdrawal Strategy, Cost Effective Portfolios, Tax Management of a Portfolio Rebalancing
Wed, May 06, 2015
TOPICS COVERED: Guest Introduction: Lawrence Frolik, JD, Who Should Seek Out A Specialist in Elder Law?, The Real Role of an Elder Law Attorney, Living Wills, Marriage and Medical Liability
Wed, April 29, 2015
Making Decisions that Lead to a Secure Retirement, James Lange, CPA/Attorney - Guest: Julie Jason, JD, LLM - Episode 124 - TOPICS COVERED: The Pennsylvania Ban on Same Sex Marriage Deemed Unconstitutional, Guest Introduction: Julie Jason, JD, LLM, How Much Do I Need To Retire?, Picking the Right People to Help You Plan, Where to Find Further Advice from Julie
Wed, April 22, 2015
Estate Strategies Deliver Clarity and Peace of Mind, James Lange, CPA/Attorney, Guest: Bob Keebler, CPA, MST, AEP, Episode 123, TOPICS COVERED: Guest Introduction: Bob Keebler, CPA, MST, AEP, The Death of the Stretch IRA?, IRA Relocation, The Importance of Analysis Using Tax Brackets, Roth Recharacterization and Segregation, What’s an AMT?
Thu, April 16, 2015
Comments on Current Financial Affairs James Lange, CPA/Attorney Episode 122, TOPICS COVERED: Guest Introduction: Charlie Smith, Easing Fears about The Stock Market, The Equity Premium, The Effects of An Aging America, Inflation or Deflation Trends, Sticking to the Plan, The Shortcomings of High Frequency Trading, Deflation
Wed, April 08, 2015
Retire Secure! for Same-Sex Couples James Lange, CPA/Attorney Episode 121 TOPICS COVERED: Book Introduction, Why Write This Book?, The Purposes of Writing the Book, How much Difference Marriage can Make, Financially Speaking, IRAs and Retirement Plans for Same Sex Couples, Testimonials for and Contributors to Retire Secure! For Same-Sex Couples, Pay Taxes Later, Big Picture Social Security Advice
Thu, March 26, 2015
Following an Efficient Financial Strategy Produces Dividends James Lange, CPA/Attorney Guest: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx Episode 120 TOPICS COVERED: Guest Introduction: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx, Introducing Gamma, The Bucket Analysis, Other Key Aspects of the Gamma Strategy, Tax Efficiency as Part of Your Financial Strategy, Morningstar and Defining “Liability Relative Asset Allocation Optimization”
Wed, March 18, 2015
Estate Planning for the Modern, Blended Family James Lange, CPA/Attorney Guest: Paul Hood, JD, LLm Episode 119 TOPICS COVERED: Guest Introduction: Paul Hood, JD, LLm, What is a “Modern” or “Blended” Family?, Providing for your Spouse while Protecting Children from a Previous Relationship, Advice for Unmarried Couples, Bequeathing Real Estate in a Blended Family,
Wed, March 11, 2015
Sexual Orientation and the Law James Lange, CPA/Attorney Guest: Anthony Infanti Episode 118 TOPICS COVERED: Guest Introduction: Anthony Infanti How is the Landscape Changing Concerning Same Sex Equality? What Changes May Happen Legally for Same Sex Couples? Equality in Education Unlawful Discrimination Tax Strategies for Same Sex Couples What Follows the Legalization of Same Sex Marriage? Healthcare Equality
Thu, February 26, 2015
Services Available for Pittsburgh’s Seniors Jim Lange, CPA/Attorney Guest: Maxine Horn Episode 117 TOPICS COVERED: Guest Introduction: Maxine Horn What is AgeWell and What Services do you Offer? What do the AgeWell Services Cost? What You Can Expect from a Typical Call to AgeWell UCLA Memory Training What Services are Offered to Seniors with More Complicated Needs? Transportation Resources for Seniors Volunteer Opportunities within the Community Final Words: Advice and Wisdom
Wed, February 18, 2015
Investing Retirement Assets for Long-Term Success Jim Lange, CPA/Attorney Guest: Rod Kamps, CFP Episode 116 TOPICS COVERED: Guest Introduction: Rod Kamps, CFP Figuring Out How Much Money You Need to Retire Establishing a Reasonable Expected Rate of Return Tax Diversification Diversifying Income Sources Dimensional Fund Advisors and their part in Diversifying Managing Risk in Retirement Common Retirement Mistakes and How to Avoid Them
Wed, February 11, 2015
Wills, Trusts and Estates Jim Lange, CPA/Attorney Guest: Matt Schwartz, Esq. Episode 115 TOPICS COVERED: Guest Introduction – Matt Schwartz, Esq. Money Saving Strategies for your Legacy: Leaving to Charities Avoiding Probate Trusts as Beneficiaries Attorneys and Financial Advisors Working Together for You Special Needs Trust The Importance of Having Assets in the Right Name Naming Trustees and Executors Money Saving Strategies: For You and Your Livelihood The Threat of the Death of the Stretch IRA Disclaimers
Wed, February 04, 2015
Asset Allocation Strategies That Will Maximize Your Retirement Jim Lange, CPA/Attorney Guest: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx Episode 114 TOPICS COVERED: Guest Introduction – P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx What is Asset Allocation? What is Diversification and Why is it Beneficial? Having An Adequate Cash Reserve Different Portfolio Management How Time Affects Asset Allocation Gifting Different Asset Allocation Scenarios Rebalancing What Changes your Asset Allocation?
Thu, January 22, 2015
Evan Wolfson on Civil Rights and DOMA’s Downfall Jim Lange, CPA/Attorney Guest: Evan Wolfson, JD Episode 113 TOPICS COVERED: Introduction of Guest – Evan Wolfson, JD Why Is Same-Sex Marriage Important? Accepting Children Who Are Gay Treat Others As You Would Want To Be Treated Taking Down The Central Part of DOMA Ending The Denial Of Marriage Benefits Everybody Married Couples Should Be Treated The Same Across The Country Lack Of Social Security Benefits For Same-Sex Marriages Being A Part Of The Civil Rights Movement The First Step To Change Is Conversation
Fri, January 16, 2015
Ed Slott on the End of the Stretch IRA Jim Lange, CPA/Attorney Guest: Ed Slott, CPA Episode 112 TOPICS COVERED: Guest Introduction: Ed Slott, CPA Stretch IRAs When May Stretch IRAs Disappear? How Likely is a Tax Law Overhaul? Beginning Retirement Planning at a Younger Age and the Book to Help You Do It What Are The Best Assets to invest in Currently? If You Don’t Make a Tax Plan, the Government Will Make One For You How Same-Sex Couples are Affected
Wed, January 07, 2015
Social Security Benefit Maximization and Roth IRA Conversions Jim Lange, CPA/Attorney Guest: Mary Beth Franklin, CFP Episode 111 TOPICS COVERED: Guest Introduction: Mary Beth Franklin, CFP Making Social Security Work the Best for You Social Security vs. Private Annuities Apply and Suspend Best Time to do a Roth Conversion Increased Taxation of Social Security or Medicare Part B Synergy between Social Security Collection and Roth Conversion Social Security Benefits after a Divorce
Wed, December 10, 2014
Government Gridlock & Retirement Planning with Guest P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx Jim Lange, CPA/Attorney Guest: P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx Episode 110
Thu, December 04, 2014
Episode 109 - Active Investing Done Right with guest Charlie Smith
Wed, November 26, 2014
The Philosophy of Money with Guest John D. Spooner Jim Lange, CPA/Attorney Guest: John D. Spooner Episode 108 TOPICS COVERED: Guest Introduction: John Spooner Getting Jobs by Enhancing Your Resume Personal Notes Picking a Financial Advisor Insurance and Choosing the Right Agent Wills, Trusts, and Estate Planning Doing Your Due Diligence Wrap Up and Final Advice on Families
Thu, November 20, 2014
Episode 107 - Active vs. Index Investing with guest Weston Wellington
Wed, November 12, 2014
Episode 106 - Retirement Decisions You Need to Make Right Now with guest Ray LeVitre, CFP
Thu, October 30, 2014
Episode 105 - Avoid These IRA Landmines with guest Seymour Goldberg, CPA, MBA, JD
Wed, October 22, 2014
Episode 104 - When Building Retirement Portfolios, How Big a Role Does Asset Allocation Play in Performance? with guest Roger Ibbotson, PhD
Wed, October 15, 2014
Episode 103 - The Federal Reserve & Retirement Planning with guest PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx
Wed, October 08, 2014
Episode 102 - Getting the Most from Your Social Security and More With guest Dr. Laurence Kotlikoff
Wed, October 01, 2014
Episode 101 - 'Financial Fitness Forever' with guest Paul Merriman
Wed, September 24, 2014
The Best of The Lange Money Hour Jim Lange, CPA/Attorney Episode 100 One of the things that we wanted to do with The Lange Money Hour is to provide our listeners with some of the finest information from some of the top experts in the area of IRAs and retirement planning, and also investing. My associate, Carol Palmer, looked through all 100 shows that we’ve done, picked some of the best clips that she liked, I picked some of the best clips I liked, and we’ve put together this compilation. TOPICS COVERED: Ed Slott - Take Control of Your Finances Paul Merriman - Advice for Young Investors John Bogle - Corporate Management and Conflict of Interest Roger Ibbotson - Active Investor vs. Passive Investor Neale Godfrey - Talking to Kids About Money John Bogle - Advisors Lack of Fiduciary Responsibility Roger Ibbotson - Humans Are Hardwired To Be Bad Investors Joe Hurley - Would A 529 Plan Affect Financial Aid? Jane Bryant Quinn - Advice for People Age 76 and Older Ed Slott - Your IRA Money Needs a Knowledgeable Advisor Charlie Smith - Let The Numbers Tell You What To Do Natalie Choate – Utilizing Partial Roth IRA Conversions Robert Kass - Providing for Your Pet’s Future P.J. DiNuzzo - Separate Your Buckets of Assets Ed Slott - It’s What You Keep That Counts Jane Bryant Quinn - Social Security Claim, Reverse Mortgages and One-Life Pension Grant Oliphant - Satisfaction through Philanthropy John Bogle – What Caused The Financial Havoc of 2008-2009? Jim Lange - Personal Story on Roth IRA Conversion
Fri, September 19, 2014
Episode 98 - Jane Bryant Quinn, America’s Leading Financial Journalist, Joins Jim Lange
Fri, September 19, 2014
Episode 99 - Your Parents' Safe Retirement with guest, Jack Tatar, MBA
Mon, September 15, 2014
Episode 97 - The Elements of Investing with Charles Ellis, PhD - TOPICS COVERED: Introduction of Guest – Charley Ellis, PhD, Why Choose Index Investing Over Active Management? Paradigm About Fees, Importance of Investment Policy, Market Timing Is A Wicked Idea, Choices For The Whole Experience Of Life And Living, Vanguard Has Consistency of Success
Fri, September 12, 2014
Episode 96 - The 7 Secrets for a Successful Retirement for Women with Jan Cullinane
Tue, September 09, 2014
Episode 95 - What is the State of Southwestern Pennsylvania? with Bill Flanagan - TOPICS COVERED: Introduction of Guest – Bill Flanagan; What is Allegheny Conference on Community Development?; Marcellus Shale May Draw Business Investments to the Area; Environmental Concerns from Drilling; Pittsburgh is the Brand for Southwestern PA; Recreational Developments in the Region; Transportation and Infrastructural Problems; High Point Pittsburgh as a Downtown Attraction
Sat, September 06, 2014
Episode 94 - Maximize Your Social Security Benefits with Kathleen Sindell, PhD - TOPICS COVERED: Introduction of Guest – Kathleen Sindell, PhD; Delay Taking Social Security; Social Security Will Probably Continue; Take Advantage of Apply and Suspend; Caller Q&A: Spousal Benefits with Social Security
Thu, September 04, 2014
Episode 93 - How Would a Change in Marital Status Affect Your Financial Future? with Howard Klein - TOPICS COVERED: Introduction of Guest – Howard Klein; Understanding The Safe Withdrawal Rate; Reevaluate Your Money Allocations After Divorce; Marriage Comes With A Fiduciary Duty; Beneficiary Designations After Divorce; Q&A: How To Find The Right Person To Help With Estate Planning After Divorce?; Understanding Undue Influence
Fri, August 29, 2014
Episode 92 - My Favorite Personal Finance Writer of All Time - Jonathan Clements - TOPICS COVERED: Introduction of Guest – Jonathan Clements; Understand What You Want From Your Money; We Shouldn’t Neglect Today; Money Is Emotional; Focus On Things You Can Control; The Virtue Of Simplicity; Fund Retirement Before College Education; Buy Experiences Rather Than Things; Inflation Is Worse Than Market Volatility
Tue, August 26, 2014
Episode 91 - Michael Lamb, JD (Pittsburgh's Controller) Speaks Out - TOPICS COVERED: Introduction of Guest – Michael E. Lamb, JD; Avoiding Transfer Taxes; Problems With The New County Assessments; Keeping Up With The Pension Plan; Pittsburgh’s Infrastructural Problems
Fri, August 22, 2014
Episode 90 - Year End IRA Review with Special Ed Slott, CPA
Wed, August 20, 2014
Episode 89 - The Lange Money Hour Special: Interview with John Bogle of The Vanguard Group - TOPICS COVERED: Introduction of Guest – John Bogle; Investment vs. Speculation; Profound Conflict of Interests in Money Management Businesses; What Bought on the 2008-2009 Financial Crisis?; Fiduciary Standard and Disclosure of Fees Should Be Enforced; Index Fund Investing = A Winning Strategy; Bogle’s Ten Simple Rules for Investment Success; Don’t Speculate to Get Higher Yields; The Value of Hiring a True Fiduciary Advisor
Mon, August 18, 2014
Episode 88 - Life Insurance & Estate Planning with Terry Headley, LUTCF, FSS - TOPICS COVERED: Introduction of Guest –Terry Headley, LUTCF, FSS; Price Increases For Universal Life Policies; Life Insurance As A Guaranteed Investment; Client Profile For Guaranteed Universal Life; Life Insurance With A Long-Term Care Rider; Candidates For A Second-To-Die Life Insurance Policy
Fri, August 15, 2014
Episode 87 - Impending Increase in Life Insurance Premiums with Tom Hall, CLU, ChFC - TOPICS COVERED: Introduction of Special Guest –Tom Hall, CLU, ChFC; Lock in Tax-free Rates of Return Before Year End; Understanding Life Insurance with Long-Term Care Rider; Understanding Whole Life Insurance; Young Families Should Have Adequate Insurance Coverage; Significant Increase Premiums for Guaranteed Universal Life Policies; Am I Insurable?; Consider Utilizing the Annuity in a Different Fashion
Tue, August 12, 2014
Episode 86 - Year-End Tax Planning with Sandy Botkin, CPA, JD - TOPICS COVERED: Introduction of Guest – Sandy Botkin, CPA, JD Plan on Substantial Tax Increases Understanding Medicare Surtax Possible Spike in Dividend Rates Take Advantage of Capital Gain Harvesting in 2012 Investment Planning Tip: Diversify Your Portfolio Roth IRA Conversion Before Tax Rates Increase Importance of Income Tax Planning Possible Change in Estate Exemption Understanding Gift Tax
Sun, August 10, 2014
Episode 85 - Are Safe Withdrawal Rates Really Safe? with Todd R. Tresidder - TOPICS COVERED: Introduction of Guest – Todd R. Tresidder; Previous Research On Safe Withdrawal Rates; The Older You Are, The Less You Spend; Avoid Equity Risk If You Have A Ten Or Fifteen-Year Timeframe; Factors To Consider With Fifteen to Thirty-Year Timeframe; The 1.8% Safe Withdrawal Rate
Mon, August 04, 2014
Episode 84 - Will a Tidy Inheritance Help or Hurt your Heirs? with Roy Williams - TOPICS COVERED: Introduction of Guest – Roy Williams; Exposing Your Kids To The Value Of Money; Defining Wealth and Preparing Your Kids For It; Reliability, Sincerity and Competence Are The Basis Of Trustworthiness; Admitting Incompetence At Managing Money; Trusts With Conditions In Order To Receive Money Distribution
Tue, July 29, 2014
Episode 83 - Available Resources for Pittsburgh Seniors: Where To Turn For Help with Maxine Horn - TOPICS COVERED: Introduction of Guest – Maxine Horn; What is AgeWell Pittsburgh?; Which Service Is Most Requested?; Dealing With Social Isolation; AgeWell’s Measurable Successes; What’s The Fee?; Examples Of Past Situations
Thu, July 24, 2014
Episode 82 - Mortgage Refinancing with Mike Henry from Dollar Bank - TOPICS COVERED: Introduction of Guest – Mike Henry; Should You Refinance?; Twelve or Fifteen-Year Loan; Why Do We Have Title Insurance?; What is Origination Cost?; What Are Points?; Other Costs To Consider; How Can An Appraisal Affect Your Loan?; Escrow Accounts and Jumbo Loans; When To Take On A Reverse Mortgage?
Thu, July 17, 2014
Episode 81 - Investing Mistakes with Larry Swedroe, MBA - TOPICS COVERED: Introduction of Guest - Larry Swedroe, MBA; Common Mistake: Buying High and Selling Low; Avoid Mistakes With A Well Thought Out Plan; Tailor Your Portfolio to Your Unique Situation; Confusing The Familiar With The Safe; Integrate An Overall Financial Plan; Understanding Indexing
Mon, July 14, 2014
Episode 80 - Using Trusts to Protect your Family with Matt Schwartz - TOPICS COVERED: Introduction of Guest - Matthew Schwartz; What Are Trusts?; Trusts for Spendthrifts; Designating A Trustee; What Are Dynasty Trusts?; When the Bulk of Your Money is in IRAs; The Magic Language You Need To Defer Taxes
Wed, July 09, 2014
Episode 79 - Spain's Pain and What Stocks Should Do with PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx - TOPICS COVERED: Introduction of Guest – PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx; Background on the Euro and the EU; Problems Arise in the EU; Will Spain’s Situation Affect Me?; Solutions to Auto Financing; Is it an Ideal Time to Travel to Europe?; Staying the Course; You Must Have a Plan
Thu, July 03, 2014
Episode 78 - Your Pets and Your Estate with guests Robert Kass, JD, LLm and Elizabeth Carrie, JD, LLm - TOPICS COVERED: Introduction of Guests – Robert Kass, JD, LLm and Elizabeth Carrie, JD, LLm; Why You Should Plan for Your Pet’s Future; Have a Pet Owner’s Card; Power of Attorney for Pets; Pet Identification and Care Instructions Are Important; Resource for Do-It-Yourself Trust for Pets; Include Backup Care Instructions; Examples of Poor Planning for Pets; Ways to Memorialize Your Pet
Fri, June 27, 2014
Episode 77 - A Rational Response to an Irrational Market with PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx
Fri, June 20, 2014
TOPICS COVERED: Introduction to Guest – Bruce Steiner, JD; When Should You Leave Trusts as Beneficiaries of IRAs; Leaving IRAs to Minor Beneficiaries; A Well-Drafted Trust Has Flexibility; Leaving Assets to A Child With Special Needs; Avoiding Probate With Revocable Trusts; Much Lower Estate Exemption in 2013
Mon, June 16, 2014
TOPICS COVERED: Introduction of Guest - PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx; Order to Use Your Three Pots of Money; The Three Most Common Strategic Asset Allocations; Long-Term Money Asset Allocation; Caller Q&A: Should a Roth IRA Conversion Be Done in the Beginning or End of the Year?; The 60/40 Portfolio Asset Allocation; The Short-Term Bucket Asset Allocation
Tue, June 10, 2014
TOPICS COVERED: Introduction of Guest – Paul Merriman; Resource for Do-It-Yourselfers; University Street Vs. Main Street; Be a Mechanical Investor; Vanguard Vs. DFA Funds; Understanding Fiduciary Relationship
Wed, June 04, 2014
Episode 73 - Active vs. Passive Investing with PJ DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx
Wed, May 28, 2014
Episode 72 - Tips for Reducing Taxes with Sandy Botkin, CPA, JD
Mon, May 19, 2014
TOPICS COVERED: Introduction of Guest – Larry Kotlikoff; Case #1: Single 60 Year Old Woman With Long Life Expectancy; Utilize Useful Resources for Retirement Planning; Case #2: Married Couple With Only One Strong Earning Record; Larry Kotlikoff Running for President
Thu, May 15, 2014
TOPICS COVERED: Introduction of Guest – Dan Henderson; Basics of a Bond; Individual Bonds Vs. Other Fixed Income Classes; Commissions Vs. Fees; Risks With Bonds; What are Bond Ladders?; Investing Strategy With Bonds; Do Not Break a Certificate of Deposit Early
Thu, May 08, 2014
TOPICS COVERED: Introduction of Guest - Larry Swedroe, MBA; Overconfidence Will Cost You; Do the Opposite of What Others Do; Do Not Panic When Bad News Roam; Advice for Couples; Don’t Be Afraid to Sell When You Are Ahead; Confusing Familiar with Being Safe; Choose Wealth Manager Rather Than Investment Advisor; Have a Roadmap
Thu, May 01, 2014
TOPICS COVERED: Introduction of Guest – Neale Godfrey; Be Honest With Your Children About Finances; Is Private School Worth The Debt?; Caller Q&A: Should I Roll 403(b) to an IRA?; Leave A Video for Your Kids or Grandkids; Caller Q&A: Benefits of Inherited IRA for Grandchildren; Children Should Earn Their Allowance
Fri, April 25, 2014
Episode 67 - Answers to Important Investment Questions with Dan Goldie, CFA, CFP
Thu, April 17, 2014
TOPICS COVERED: Introduction of Guest – Jonathan Clements; Realize What You Can and Cannot Control; Expect Relatively Low Short-term Interest Rates; Plan for Increase in Income Tax; Economic Growth Will Be Mediocre In Years Ahead; Don’t Panic and Stick With Your Asset Allocation Strategy; Delay Social Security; Using Non-Deductible IRAs and Immediate Fixed Annuities
Fri, April 11, 2014
TOPICS COVERED: Introduction of Guest – Ed Slott; Find a Competent Advisor; Move Your Money to Tax-Free Territories; Avoiding Mistakes with Inherited IRAs; Estate Planning and Trust Intricacies
Mon, February 04, 2013
Noted IRA expert, CPA, and estate planning attorney, James Lange, interviews Vanguard Group founder, John Bogle. Here, Jim discusses Mr. Bogle's history as a leader in the financial world and delves into a discussion of his newest book, The Clash of the Cultures: Investment vs. Speculation. Mr. Bogle explains his definitions of investment and speculation and tells us why he feels only one of these path creates wealth.
Mon, February 04, 2013
In this clip, CPA/Attorney James Lange and Investment Guru John Bogle discuss Investments vs. Speculation.
Mon, February 04, 2013
In this third entry in this sit down series with James Lange and John Bogle, Mr. Bogle discusses with Jim what hurts the everyday investor, offering free insight from one of the most brilliant financial minds of our time. John C. Bogle 1929 - 2019
Wed, January 19, 2011
This January 2011 episode features special guest Bruce Steiner and James Lange discussing various topics that include; Leave Surviving Spouse Flexibility in Determining Who Gets What Converting a Large IRA Can Push You to Higher Tax Bracket Credit Shelter Trust Should Allow for Great Flexibility And other important topics!
Wed, December 15, 2010
This classic episode aired December 15, 2010, James Lange and Natalie Choate discuss retirement planning ideas including 2010-2011 tax changes.
Wed, December 01, 2010
In this December 1, 2010 classic episode of The Lange Money Hour, James Lange and special guest CPA, MST, and, AEP Bob Keebler discuss year-end tax planning tools, tax loss harvesting, and various tax planning tips for the year-end 2010.
Thu, November 18, 2010
In this November 2010 episode of The Lange Money Hour, James Lange and Bill Bengen discuss safe withdrawal rates, and how much you can safely spend. Their topics include; What is a safe withdrawal rate Different Withdrawal rates for Different Life Expectancy And many other discussion points.
Thu, November 04, 2010
In this November 2010 episode of The Lange Money Hour, James Lange and special guest Gerry Schuster, PhD discuss how to respond to election, the impact they have on income and estate taxes, possible changes to income tax rates, and estate tax rates.
Thu, October 21, 2010
In this October 2010 Episode of The Lange Money Hour, Jim speaks with CFP Elaine Floyd about Roth IRA Conversion Strategies including; Two Perspectives on Roth IRA Conversions Key Dates for Roth IRA Conversions Recharacterizing Roth IRA Conversions Social Security Strategies and Roth IRA Conversions!
Thu, October 07, 2010
On this classic episode of the Lange Money Hour, James Lange and MSOD, President and CEO of the Pittsburgh Foundation Grant Oliphant sits down with Jim to discuss Charitable Giving Strategies, and Tax Strategies for Charitable giving among other topics!
Thu, September 23, 2010
In this classic episode of The Lange Money Hour, CPA/Attorney James Lange and Portfolio Manager Charlie Smith of Fort Pitt Capital Group define Equity Premium, the art of Diversification, and many other topics!
Thu, September 09, 2010
In this episode of The Lange Money Hour, CPA/Attorney James Lange and special guest Barbara Stanny will give advice for Women Investors. Learn Barbara's story, as well as the three levels of Financial Development for Women, among other important topics!
Wed, August 25, 2010
In this episode, James Lange discusses Roth Conversion Stories including topics concerning; You're Never Too Old to Make Roth IRA Conversions Three Pots of Money Story Roth IRA Conversion is Not Always the Answer
Wed, August 11, 2010
CPA/Attorney James Lange and Nicole DeMartino discuss the Ideal Beneficiary of the IRA. The two will discuss topics that include; Update on Pending Legislation for Roth Designated Account Conversions Minimum Required Distributions for IRAs Two Basic Types of Beneficiaries Estate Tax Exemptions Lange's Cascading Beneficiary Plan
Wed, July 28, 2010
On this episode of the Lange Money Hour, from July 28th, 2010, Jim Lange discusses converting 401(k)s/403(b)s to Roth 401(k)s/403(b)s and why you should encourage your employers to offer Roth designated accounts.
Wed, July 14, 2010
Retirement Planning authority Natalie Choate joins the Lange Money Hour on this July 14, 2010 episode to discuss the best and worse ideas for retirement benefits, the current state of federal estate taxes, and a lively Q&A with callers to the show.
Wed, June 30, 2010
John Bledsoe, CFP, CLU, ChFC, MSFS, AEP, CLTC joins Jim Lange on The Lange Money Hour on this June 30th, 2010 episode to discuss how to achieve tax-free growth, and learn about the 10 IRA Commandments!
Wed, June 16, 2010
On this episode of The Lange Money Hour, Jim Lange welcomes Steve Kohman, CPA, C SEP, CSRP to the show to discuss the "Roth Launcher", the background and basic assumptions of Roth IRA Conversions, strategies of Roth IRA conversions, and how to convert 401(k)s and other IRAs to Roth IRAs.
Wed, June 16, 2010
On this episode of The Lange Money Hour, Jim Lange seeks to teach listeners how to grow wealth while still working. Learn the best ways to maximize your retirement contributions, and the Q&A of listeners with various questions on their 401ks, IRAs, and Roth IRA conversions.
Wed, May 19, 2010
Matt Schwartz, Lange Financial Group Legal team attorney joins Jim Lange on the Lange Money Hour to discuss ideal beneficiary designation.
Wed, May 05, 2010
Elimination of Income Cap for Roth IRA Conversions in 2010 Implication of Lifting Bush-era Tax Cuts Surtax from Healthcare Reform Bill Running the Numbers – Benefits of Making an IRA Conversion More Analysis – Benefits of Roth IRA Conversion For Your Grandchildren Workshops Have Been Updated With New Tax Law Information
Wed, April 21, 2010
Introduction to Dr. Larry Kotlikoff When To Take Social Security When You Should Take Your Social Security Early When You Should Give Back Your Social Security When Should Your Spouse Take Social Security When You Should Apply for Medicare The Benefits of Immediate Annuities
Wed, April 07, 2010
Introduction to Ed Slott, CPA, America’s IRA Expert Money-Saving Ideas for People Who are Still Working Putting Money Into a Non-Deductible IRA Ed’s Two Favorite Ways of Creating Wealth Using Life Insurance As a Wealth-Creator Recharacterizations Potential Disadvantages of Roth IRA Conversions
Wed, March 10, 2010
On this episode of The Lange Money Hour, airing March 10, 2010, James Lange and special guest Barry Picker cutting-edge Roth IRA Conversion Strategies that includes; another way at looking at paying taxes up front, why "running the numbers" is so important when doing a Roth IRA conversion, separating your Roth IRA Conversions into different accounts, and many other important topics.
Wed, February 10, 2010
James Lange is joined by legendary Roth IRA Conversion expert Bob Keebler. On this episode, recorded February 10, 2010, Jim and Bob Keebler discuss why you should pay your taxes up front, after-tax dollars inside of a retirement plan, and many other topics.
Wed, January 13, 2010
On this episode of the Lange Money Hour, James Lange is joined by attorneys Matt Schwartz and Steve Kohman. James, Matt, and Steve discuss how Roth IRA Conversions exploded since the tax law changed in 2010, how traditional IRAs should be converted into a Roth IRA, how the law allows for Roth Conversions to be 'undone' in later years.
Wed, December 16, 2009
John Bledsoe, CFP, CLU, ChFC, MSFS, AEP, CLTC joins Jim Lange on the Lange Money Hour to discuss the aggressive financial strategies, the Roth Conversion option learn to convert now, recharacterize later.
Wed, December 02, 2009
Jane Bryant Quinn joins the Lange Money Hour with tips on making the most of your money! Learn about saving for retirement while you're still working, the importance of knowing what your retirement benefits are, and so much more!
Wed, November 18, 2009
Pittsburgh city controller Michael Lamb, JD joins the Lange Money Hour to discuss with Jim Lange the state of Pittsburgh's financial climate including the effects of being an Act 47 distress city, and the city's underfunded pension fund.
Wed, November 04, 2009
CPA Diane Markel joins Jim Lange on the Lange Money Hour to discuss some vital year-end tax planning strategies that include Roth IRA conversion strategies, year-end deadlines for deduction/credits, and tax loss harvesting among other topics!
Wed, October 21, 2009
Jim Lange engages in smart talk with callers about Roth IRA/Roth IRA Conversion and the new tax law for 2010 on the Lange Money Hour Where Smart Money Talks!
Wed, October 07, 2009
Charlie Smith joins the Lange Money Hour to discuss the current market environment, the role of regulators, rebuilding personal savings, and much more.
Wed, September 23, 2009
Jonathan Clements joins the Lange Money Hour with Jim Lange to discuss sound wisdom on investing and portfolio management.
Wed, September 09, 2009
Special guest Blaine Aiken, CFP sits with Jim Lange on the Lange Money Hour to discuss protecting yourself from financial fraud. Learn about the three types of fiduciary responsibilities for those managing retirement plans, a closer look at the Bernie Madoff scandal, and many other topics.
Wed, August 26, 2009
Author of Rich Women, Kim Kiyosaki joins the Lange Mooney Hour in this episode to discuss Kim's personal story of financial hardship as well as the three types of investments: bad boys, nice guys, and wimps!
Wed, August 12, 2009
On the Lange Money Hour, Jim Lange presents to listeners his top lessons for planning a secure retirement with special guest Barry Picker. Jim and Barry will discuss, among other topics; All Tax Payers in 2010 Can now Make A Roth IRA Conversion Regardless of Income Paying the Tax on a Roth IRA Conversion Barry Picker's Own Roth IRA Conversion Story Jim Lange's Own Roth IRA Conversion Story Potential Downsides of Roth IRA Conversions And many more!
Wed, July 29, 2009
Jim Lange and his guest Neale Godfrey discuss teaching children how to be financially fit on the Lange Money Hour Where Smart Money Talks! Neale has written the New York Time's Best Steller Money Doesn't Grow on Trees: A Parent's Guide to Raising Financially Responsible Children.
Wed, July 15, 2009
Natalie Choate joins Jim Lange as they take a closer look at inherited IRAs, Roth IRA conversions, and the one-person 401(k) strategy. Listen to Jim and Natalie discuss; A Closer Look at Inherited IRAs Roth IRA Conversions The One-Person 401(k) Strategy Caller Questions about Roth IRA Conversions
Wed, July 01, 2009
Jim Lange and Special Guest Tom Hall, CLU, ChFC with Pittsburgh Brokerage/Capitas Financial discuss Long Term Care Insurance Protections.
Wed, June 17, 2009
Jim Lange discusses various strategies for those that are on the verge of, are finally able to retire.
Wed, June 03, 2009
Jim Lange welcomes Tom Crowley, MBA, Senior Wealth Planner and VP of PNC Wealth Management to the show to discusses the Q-Tip, Revocable, Minor, and Charitable Trusts and their uses.
Wed, May 20, 2009
Jim Lange welcomes Bob Keebler, the author of The Big IRA Book to the show where they discuss: The Art and Science of Tax Loss Harvesting Roth IRA Versus Roth 401(k) Strategies for Converting Nondeductible IRA to Roth IRA And more!
Wed, May 06, 2009
The 5th Episode of the Lange Money Hour, Jim discusses his revolutionary estate planning plan, Lange's Cascading Beneficiary Plan. What is it? Well in his own words: In the early nineties, I began thinking creatively about this problem. My objective was to revolutionize my firm’s estate planning practice by drafting documents that could accommodate changing circumstances—the key, as I saw it, would be flexibility within a reasonable set of assumptions. Lange’s Cascading Beneficiary Plan, as it came to be called, uses specific language and disclaimers to provide the most flexibility when it is needed the most—at the time of the death of the first spouse when the surviving spouse and the family have the most current picture of their finances and family dynamics. We were aiming for less guesswork decades in advance! You can read about the Lange Cascading Beneficiary Plan on Jim's website paytaxeslater.com in the blog section!
Wed, April 22, 2009
Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via free eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at his website. Paul is also the author of multiple books on personal investing, including: Financial Fitness Forever: 5 Steps To More Money Less Risk and More Peace of Mind (McGraw Hill, Oct. 2011) Live It Up Without Outliving Your Money! Creating The Perfect Retirement First-Time Investor: Grow and Protect Your Money 101 Investment Decisions Guaranteed to Change Your Financial Future Get Smart or Get Screwed: How To Select The Best and Get The Most From Your Financial Advisor. This is Paul's first time on the show! He discusses with Jim various topics that include; How not to outlive your money, and common mistakes investors make.
Wed, April 08, 2009
In the third episode of The Lange Money Hour, CPA for the Lange Financial Group Steven Kohman,sits in and discusses Early Tax Planning for 2009 and last minute Tax Tips for 2008.
Wed, March 25, 2009
Episode 2 of The Lange Money Hour and the first appearance of CPA Ed Slott, the man referred to by Mutual Funds Magazine as "America's IRA Expert". Listen to Jim and Ed discuss; Planning for your Retirement Savings – It’s What You Keep That Counts Leveraging IRAs into Life Insurance Removes Uncertainty of Future Tax Rates RMD Suspension for 2009 and Strategies for Roth IRA Conversions Tips for Finding a Qualified Financial Advisor Limits on RMD Payback for 2009 ‘The Winning Half of the Game’ & Other Roth IRA Conversion Strategies
Wed, January 07, 2009
This is Jim's very first radio show on WKQV 1410 AM in Pittsburgh! On this episode Jim discusses the Top 3 Lessons for Planning a Secure Retirement which includes; Six Tips on How to Proactively Insure Your Retirement Lange’s Cascading Beneficiary Plan Understanding the Benefits of a Roth IRA Conversion The Big News in 2010 – ALL Taxpayers can Make a Roth IRA Conversion Taking RMD’s – Required Minimum Distributions for Those Over 70 1/2
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