Rank #1: Episode 4 - Making the Most of Your Retirement Investments with guest Paul Merriman
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.
Apr 22 2009
Rank #2: Episode 175 - Can You Spend More Than 4% of Your Portfolio in your 60s and 70s? Morningstar’s David Blanchett Speaks Out
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
Aug 03 2016
Rank #3: Episode 163 - Jane Bryant Quinn Shows You How to Make Your Money Last
Feb 19 2016
Rank #4: Episode 10 - A Closer Look at Inherited IRAs with Natalie Choate
- A Closer Look at Inherited IRAs
- Roth IRA Conversions
- The One-Person 401(k) Strategy
- Caller Questions about Roth IRA Conversions
Jul 15 2009
Rank #5: Episode 167 - Burton Malkiel: A Random Walk Down Wall Street - Decades of Investment Wisdom
Mar 17 2016
Rank #6: Episode 150 - Investment Decisions Guaranteed to Change Your Financial Future with Paul Merriman
Nov 24 2015
Rank #7: Episode 193 - Invaluable Advice from One of the Top IRA Experts in the Country, Ed Slott
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.
May 03 2017
Rank #8: Episode 206 - Controlling Your Retirement Destiny with CEO of Sensible Money, LLC and Author Dana Anspach
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?
Nov 22 2017
Rank #9: Episode 65 - Ed Slott, CPA, America's Top IRA and Retirement Plan Expert
Apr 11 2014
Rank #10: Episode 148 - The Dimensions, Premiums, and Factors of Index Investing with P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx
Nov 10 2015
Rank #11: Episode 8 - Strategies for Those Who are Close to or are Ready for Retirement
Jun 17 2009
Rank #12: Episode 174 - Think, Act, & Invest Like Warren Buffett with Larry Swedroe
Jul 27 2016
Rank #13: Episode 153 - The Indexing Advantage with P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx
Dec 14 2015
Rank #14: Episode 178 - How to Buy Happiness with Jonathan Clements
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.
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
Sep 21 2016
Rank #15: Episode 3 – Last-Minute Tax Tips for 2008/Early Tax Planning for 2009 with guest Steven Kohman, CPA, CSEP, CRSP
Apr 08 2009
Rank #16: Episode 190 - Avoiding Retirement Planning Pit-falls with Jim Lange and P.J. DiNuzzo
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
Mar 15 2017
Rank #17: Episode 168 - The Seven Costly Mistakes IRA Owners Make in Their Estate Plans with Matt Schwartz
Mar 30 2016
Rank #18: Episode 166 - Ed Slott’s Retirement Decision Guide, 2016
Mar 11 2016
Rank #19: Episode 180 - Strategic Planning for Your IRA with Bruce Steiner
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
Oct 19 2016
Rank #20: Episode 208 - Critical Year-End Planning Tips that Require Your Immediate Attention with Deborah Jacobs – And, Sadly, Our Final Show on KQV
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?
Dec 20 2017