About James Lange, CPA, Attorney and Financial Advisor

Jim’s estate and tax planning strategies have been endorsed by The Wall Street Journal (36 times), Newsweek, Money Magazine,Smart Money, Reader’s Digest, Bottom Line, and Kiplinger’s and most recently, Forbes Magazine. Jim has authored five peer-reviewed articles in Trusts & Estates. Jim is a regular columnist for Forb es.com, and his expertise on Roth IRA conversions wassolicited for an article in the February 2019 issue of Forbes magazine.

With 35 years of retirement and estate planning experience, James Lange and his team have drafted 2,701 wills and trusts, as wellas sophisticated beneficiary designations for IRAs and other retirement plans using Lange ’s Cascading Beneficiary Plan. Theyhave also administered hundreds of estates whose families have benefitted from these plans.

Mr. Lange is the author of seven best-selling books, including three editions of Retire Secure!, endorsed by Charles Schwab, Larry King, Ed Slott, JaneBryant Quinn, and Roger Ibbotson and 50 other experts; The Roth Revolution, endorsed by Ed Slott, Natalie Choate, and Bob Keebler; The $214,000Mistake, How to Double Your Social Security and Maximize Your IRAs endorsed by Larry Kotlikoff, Jonathan Clements, Paul Merriman, and ElaineFloyd; and Retirement Owner’s Guide to Beating the New Death Tax endorsed by Burton Malkiel, Jack Tatar, Bill Losey, and Stephan Leimberg.

Jim created The Roth IRA Institute—offering professionals in the industry advice and recommendations. His proof of the tax and estate planningadvantages of Roth IRA conversions has been peer-reviewed by the top tax journal of the American Institute of CPAs. Further, all 15 IRA experts inter-viewed on his radio show have indicated that most taxpayers, at some point, will benefit from a Roth IRA conversion—and that was before today’sfavorable new tax brackets made Roth IRAs even more advantageous.

36 Times!

Attend Jim Lange’s Retirement and Estate Planning Workshops for FREE in February!These local workshops are free, but this one will likely fill fast. Reserve your seats today.

Saturday, February 29, 2020 • Courtyard by Marriott Monroeville3962 William Penn Highway • Monroeville, PA 15146

To register for any or all of our FREE workshops, call 412-521-2732 or go to paytaxeslater.com/2020workshops today.Register while seats are still available. Both spouses are encouraged to attend. Free refreshments will be served.

Author of 7 best-selling books

Experts Praise Jim Lange’s Books (All reviews are for Jim’s books, not his services.)

Charles R. Schwab calls Retire Secure! “a n invaluable resource for investors.” In its pages, youwill get the facts on funding your retirement plans...traditional vs. Roth IRAs and 401(k)s...optimalspending strategies for retirees...which dollars you should spend first...required minimum distribu-tions while you are alive and after you are gone...gifting strategies...a thorough anal ysis of the bestestate plan for married IRA and retirement plan owners...and much more.

“Think of Retire Secure! as a GPS for your money,” raves Larry King, Larry King Now.“You mayknow where you are and where you want to go, but you don’t know how to get there. Jim offers thebest route.”*

“James Lange’s book, Retire Secure!, covers two areas particularly well—Roth IRA conversions andestate planning for IRA owners.”*

— Jane Bryant Quinn, Ne wsweek, AARP, Bloomberg.com

“Retire Secure! is a very practical investment guide on how to defer taxes and efficiently plan forretirement and your estate.”*

— Roger B. Ibbotson, Professor, Yale School of Management

“Keeping your investment expenses low and following Jim Lange’s tax savings strategies are thesurest routes to a comfortable retirement.”*

— Burton G. Malkiel, Professor of Economics, Princeton University, Author, A Random Walk Down Wall Street

“In today’s volatile market, the peril of building wealth on short-term growth strategies has neverbeen more evident. James does a great job of explaining the how and why of a long-term view withan eye to building money and protecting it when you are ready to spend it.”*

— Peter M. Vessenes, RFC, CEO, Vestment Advisors, Inc.

“Jim Lange is a clear and concise communicator. He takes the complicated and makes it simple.”*

— Diane L. McCurdy, CFP, Author, How Much is Enough?

Free Bonus #1Register today and you will receive a copy of our newbook, Retirement Plan Owner’s Guide to Beatingthe New Death Tax, detailing how to respond to theSECURE Act.

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

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

Free Bonus #4:Attendees interested in having wills and trusts pre-pared, retirement and estate advice, or investmentadvisory services may be eligible for a FREE RetireSecure Initial Consultation with Jim Lange. (Value: $600.00)

4 Valuable Bonus Gifts: Yours FREEWhen You Attend Any Workshop!To claim your 4 bonus gifts, call 412-521-2732 or register atpaytaxeslater.com/2020workshops right now.Investment advisory services offered by Lange Financial Group, LLC.

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The Best Estate Plan for Married IRA Owners Combined with Optimal Trust Planning for IRAs and Retirement Plans After the SECURE Act: Our Tax-Savvy Thinking

A clear explanation of the NEW tax law SECURE Act: • How do 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 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 to protect your family, now and in the future.

Trusts: • The SECURE Act has major implications for trusts: are you one of many

Americans who need to redraft their trusts now that the SECURE Act hasbecome law?

• Should your heirs inherit your IRA directly? Would naming a trust 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?• Charitable trusts will become much more important. Are they appropriate

for you?• 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?”

The government has just put an end to the greatest tax break for retirement accounts in U.S. history by killing the “stretch IRA” and signing the SECUREAct into law. No longer will your heirs be able to defer tax on Inherited IRA benefits over their lifetime. The SECURE Act will require your children andgrandchildren to pay taxes on your IRA and retirement plan within 10 years of your death. A more appropriate name for this law would be the ExtremeDeath-Tax for IRA and Retirement Plan Owners Act.

The changes that the SECURE Act has made to the Tax Code could reduce your IRA and retirement plan by 1/3—or even more—after you die. Justthink about how many years you worked and contributed to your IRA and 401(k), and now the IRS will dip into it heartily after you pass. Think of howmuch more earning your next two generation of heirs could have accumulated with that extra 1/3 earning interest in an Inherited IRA of their own.

The good news is that I have known that the key components of this law were coming for five years, and I have developed peer-reviewed and provenstrategies that IRA and retirement plan owners can utilize in response.

Specifically, I have developed 5 wealth-protection strategies that could shield your financial legacy from these devastating changes in the tax laws.Some of these strategies could be implemented immediately—giving you an advantage over others who wait. Planning will also give you the freedom tolook carefully at your options and make the best decisions for your family calmly and judiciously. I am sure you will find these workshops illuminating,profitable and entertaining. Some people have described them as “life-changing.”

SESSION 1 will cover the best estate plan for married couples, and trusts and estates for IRA and retirement plan owners after the NEW tax lawchanges. You will learn whether your existing wills, trusts and IRA beneficiary designations need to be changed, and if so, what you should do about itnow. SESSION 2 will cover even more advanced strategies for reducing the tax bite on your IRAs, both while you are alive and after you are gone. SESSION 3 will provide the solution to your biggest investment dilemma of protecting yourself from the next downturn.

Little-Known Tax Law Changes (Snuck into Law at the End of 2019 by Congress) Will Confiscate Hard-Earned Retirement Dollars

from Unprepared IRA Owners…NEW Briefing Shows You the Safe and Easy Ways to Protect Your Hard-Earned Retirement Dollars from

Unnecessary Taxation and Confiscation

Saturday, February 29, 2020 • Courtyard by Marriott Monroeville3962 William Penn Highway • Monroeville, PA 15146

Two easy ways you can reserve your spot now: Call 412-521-2732 or go to PayTaxesLater.com/2020workshopsNote: Seats fill fast. Married couples should attend together. FREE refreshments will be served.

ACTION REQUIRED: FREE Briefing for Married IRA and Retirement Plan Owners with Money

in IRAs, 401(k)s, 403(b)s or Other Retirement Plans

How to Stop Changes in Tax Laws from Taking Up to 1/3 ofYour IRAs and Retirement Plans After the SECURE Act• 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.

Solving the Investor’s Biggest Dilemma: How to Stop MarketVolatility from Crushing Your Retirement Nest Egg in the NextDownturn• Dilemma: I need to take advantage of higher rates of return on investments

in a strong market but not fall victim to portfolio-crippling losses in the next market downturn.

• Mistakes: Common mistakes that leave investors vulnerable to market downturns, and why to avoid commission and high-fee products.

• Solutions: Low-cost index investing, appropriate asset allocation, optimal tax planning, plus a critical component that will be revealed in the work-shop. Register now.

All investing involves risk, including the potential for loss of principal. There is no guarantee that any strategy will be successful. Indexes are not available for direct investment.

“CPA and attorney Jim Lange (in his book Retire Secure!) provides a road map for tax-efficient retirement and estate planning.” — Charles R. Schwab

SESSION 2: 1:00 – 3:00 PMSESSION 1: 9:30 – 11:30 AM

SESSION 3: 3:15 – 4:00 PM

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Disc over Cutting-Edge Strategies to Retire Secure for Life and Maintain Your Present Lifestyle!You and your spouse are cordially invited to attend any or all of our FREE workshops listed below:

This workshop will explore how to plan for the aftermath of theSECURE Act. We will delve into the nitty gritty of what happens to yourIRA and retirement plan at death both under the current law and underthe SECURE Act. We will explore different estate planning options thatyou should be considering right now.

You will be able to see the benefits of some of our strategies anddecide if it is appropriate for you. The tax hit on your IRAs and retirementplans will be unprecedented unless you take aggressive action. This work-shop will concentrate on what you could do to preserve your estate, es-pecially in the area of wills, trusts and beneficiary designations of IRAsand retirement plans. We will combine our newest thinking with some ofour classic strategies for protecting your children or grandchildren fromthemselves, but also creditors, possibly including their spouse. Please

The Best Estate Plan for Married IRA OwnersCombined with Optimal Trust Planning for IRAs and Retirement Plans After the SECURE Act

SESSION 1: 9:30 – 11:30 AMnote that many existing trusts have language that could prove devastatingto your family and most IRA and retirement plan owners don’t knowanything about them.

You don’t want young beneficiaries getting too much money too earlyin a way that would negatively impact their lives and you don’t wantyounger beneficiaries spending your money irresponsibly. On the otherhand, trusts for adult children, however, are frequently inappropriate—and this workshop will help you distinguish when you should and shouldnot have a trust.

Trusts could also cause massive income tax acceleration after yourdeath, especially under the SECURE Act. Do you have an existing trust?Changes likely must be made to avoid unnecessary massive taxation!Learn what trusts should look like after the SECURE Act.

How to Stop Changes in Tax Laws from Enabling the IRS to Legally Take Up to 1/3 or More of Your IRAs and Retirement Plans

SESSION 2: 1:00 – 3:00 PM

Market ups and downs are a fact of life. Most of us have alreadyweathered a couple of downturns prior to reaching retirement. But, as aretiree or as someone nearing retirement, a sudden downturn can be cata-strophic. There is always the risk that by the time the market rebounds(as, historically, it has done), it may be too late to salvage your life-savings. How can you protect yourself from life-altering losses when themarket takes a dive?

We know that historically, long-term market returns have far outpacedreturns on fixed income streams. The appeal of fixed income streams,however, is their apparent safety. But remember, investing exclusively infixed income virtually guarantees you lose purchasing power to inflationand taxes. The “safe” route can have you pinching pennies and cuttingcoupons in your golden years instead of enjoying life. In contrast, invest-

ing exclusively in the market leaves you open to financial ruin in theevent of a significant downturn. So, what should you do?

• Here are some non-solutions: market timing, commercial annuities(more on those as a component of the SECURE Act) and other hig hcommission and high-fee products.

• Here are some elements of the solution you’ll discover at the workshop: low-cost index investing, appropriate asset allocation, and optimal tax planning.

• To discover the last element that we think is the real key, you have to attend the workshop.

The Lange-edge provides a customized mix of these important strate-gies and instruments.

Solving the Investor’s Biggest Dilemma: How to Stop Market Volatility from Crush-ing Your Retirement Nest Egg in the Next Downturn

SESSION 3: 3:15 – 4:00 PM

(continued)

For years we have stressed that most of our clients desperatel y need tobe concerned with income taxes, including the income tax that will be duewhen your IRAs and retirement plans are distributed. Now, that incometax problem is on steroids.

There are a lot of pro-active steps you could take now that will enhanceyour financial security as well as that of your children. We will explore avariety of strategies that will reduce the impact of the SECURE Act foryou and your family.

• Roth IRA Conversions—though we have recommended Roth IRA con-versions for many years, Roth IRA conversions and now Roth 401(k) andRoth 403(b) conversions are going remain to remain a critical tool to cuttaxes 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 environ-

ment. In this workshop, we’ll explore different forms of gifting and thebest timing for gifting.

Past performance is no guarantee of future results. All investing involves risk, including thepotential for loss of principal. There is no guarantee that any strategy will be successful. Indexesare not available for direct investment.

While the morning workshop will concentrate on wills, trustsand IRA and retirement plan beneficiary designations, this session will cover strategies that are also geared toward lifetimeplanning, though frankly, in reality we look at retirement andestate planning as one continuum. By combining Strategic RothIRA Conversions, Social Security Optimization, and GiftingStrategies, you can help keep your wealth in your family...and out of Uncle Sam’s Hands!

Peer-Reviewed,^

Do your existing wills, trusts and IRA beneficiary designations need to be changed? The How, When, and Why to Naming Trusts as Beneficiaries of IRAs or Retirement Plans.

In these FREE workshops, you’ll discover how to:

• Preserve your hard-earned money for your family instead of Uncle Sam.

• Optimize your Roth IRA conversion planning under the new tax laws.

• Dramatically reduce your risk of running out ofmoney—Retire Secure for Life.

• Determine which assets you should spend first andwhich assets you should spend last. Please note: the answer has changed since the SECURE Act.

• Maximize your Social Security benefits.• Leverage an effective and easy-to-use investment

strategy that has a history of outperforming activemoney managers.

• Develop the best estate plan for your family. • And much more…

Act NOW! Stop the IRS from commandeering your hard-earnedwealth and taking away hundreds of thousands of dollars youwant to leave your heirs. Attend Jim’s FREE workshops in February. Discover his startlingly effective—and 100% legal—tax-saving strategies. Making these important changes to yourestate plan today can stop the IRS from taking 1/3 or more ofyour IRA and retirement plan savings after you are gone!

Don’t let Washington’s planned tax-grab eviscerate your family’swealth! If you miss out on these important wealth-protectionworkshops, your children could see your estate decimated. Youdon’t want that. Your kids and grandkids may never forgive you.Past performance is no guarantee of future results. All investing involves risk, includingthe potential for loss of principal. There is no guarantee that any investment plan orstrategy will be successful

To register, call 412-521-2732 or visit www.PayTaxesLater.com/2020workshops today...while seats are still available.Please see the accompanying letter for more information.