James Lange

James Lange, CPA/Attorney

Strategic Roth IRA Conversions for Your Family’s Financial Security & Much More

James Lange, CPA/Attorney, and parent of an adult child with a disability will spell-out and explain the significance of a long-term Roth IRA conversion strategy for you and your special needs child or grandchild—and so much more. 

Jim’s Roth IRA conversion and SECURE Act expertise proved critical in developing his long-term financial security plan for his daughter. When Cindy and I realized we had to provide for our daughter not only for the rest of our lives, but potentially for another 30 or 40 years after we were gone, we felt overwhelmed. The immediate reaction was to work longer, save more, and spend less. But that only goes so far. What we needed to achieve our goal was a regular transfer of funds from the government to our daughter’s trust that would come about through strategic planning. I figured out the plan. Though every family’s circumstances are unique, my basic plan will work for most parents who want to provide their child with greater financial security. I will be offering four hours of talks, so there will be multiple opportunities to learn details about the plan as well as asking me questions. 

In Jim’s sessions, you will learn: 

• A mathematically proven approach to Roth IRA conversions that you likely have not encountered.
• Peer-reviewed calculations on Roth IRA conversions, and factors that determine how much and when to convert.
• How to efficiently transfer after-tax dollars in retirement plans to a Roth IRA at zero cost, potentially saving hundreds of thousands of dollars in taxes down the road.
• Special strategies for grandparents.
• How to plan for the conversion of an inherited retirement plan to an inherited Roth at your beneficiary’s tax rate―not your own―after your passing.
• The rationale behind establishing an ABLE account for your child.
• Disclaimer strategies build flexibility into the estate.
• Who Gets What? Nuanced estate planning for children with dissimilar needs and situations.
• Toggle Trusts: Builds in flexibility so you have the right type of trust whether your child qualifies for SSI or SSDI or not. If you guess wrong, there are costly consequences.

*Please note: When you register below, you are automatically registered for all talks.