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Investing

Retire Secure!

Updated about 21 hours ago

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Investing
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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 more.

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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 more.

iTunes Ratings

18 Ratings
Average Ratings
8
4
0
5
1

Excellent even for younger people

By cpcooper - Sep 18 2019
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This is an excellent podcast! I’m 32 years old and have learned so many valuable financial and tax planning nuggets. I found it last week and have been binge watching it ever since.

Very informative

By Cindy l. Word crazy - Jul 12 2018
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Great info on retirement and estate planning.

iTunes Ratings

18 Ratings
Average Ratings
8
4
0
5
1

Excellent even for younger people

By cpcooper - Sep 18 2019
Read more
This is an excellent podcast! I’m 32 years old and have learned so many valuable financial and tax planning nuggets. I found it last week and have been binge watching it ever since.

Very informative

By Cindy l. Word crazy - Jul 12 2018
Read more
Great info on retirement and estate planning.

Listen to:

Cover image of Retire Secure!

Retire Secure!

Updated about 21 hours ago

Read more

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 more.

Rank #1: Episode 4 - Making the Most of Your Retirement Investments with guest Paul Merriman

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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.

Apr 22 2009

53mins

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Rank #2: Episode 175 - Can You Spend More Than 4% of Your Portfolio in your 60s and 70s? Morningstar’s David Blanchett Speaks Out

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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

Aug 03 2016

47mins

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Rank #3: Episode 163 - Jane Bryant Quinn Shows You How to Make Your Money Last

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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

Feb 19 2016

48mins

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Rank #4: Episode 10 - A Closer Look at Inherited IRAs with Natalie Choate

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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

Jul 15 2009

52mins

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Rank #5: Episode 167 - Burton Malkiel: A Random Walk Down Wall Street - Decades of Investment Wisdom

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Episode 167 - Burton Malkiel: A Random Walk Down Wall Street - Decades of Investment Wisdom

Mar 17 2016

47mins

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Rank #6: Episode 150 - Investment Decisions Guaranteed to Change Your Financial Future with Paul Merriman

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TOPICS COVERED: Guest Introduction: Paul Merriman, Retired Financial Advisor, Author, Approaching Asset Allocation Savings, Small vs. Large Companies, Value vs. Growth, Bonds

Nov 24 2015

45mins

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Rank #7: Episode 193 - Invaluable Advice from One of the Top IRA Experts in the Country, Ed Slott

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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.

May 03 2017

49mins

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Rank #8: Episode 206 - Controlling Your Retirement Destiny with CEO of Sensible Money, LLC and Author Dana Anspach

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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?

Nov 22 2017

50mins

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Rank #9: Episode 65 - Ed Slott, CPA, America's Top IRA and Retirement Plan Expert

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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

Apr 11 2014

56mins

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Rank #10: Episode 148 - The Dimensions, Premiums, and Factors of Index Investing with P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx

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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

Nov 10 2015

47mins

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Rank #11: Episode 8 - Strategies for Those Who are Close to or are Ready for Retirement

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Jim Lange discusses various strategies for those that are on the verge of, are finally able to retire.

Jun 17 2009

55mins

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Rank #12: Episode 174 - Think, Act, & Invest Like Warren Buffett with Larry Swedroe

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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

Jul 27 2016

47mins

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Rank #13: Episode 153 - The Indexing Advantage with P.J. DiNuzzo, CPA, PFS®, AIF®, MBA, MSTx

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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

Dec 14 2015

46mins

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Rank #14: Episode 178 - How to Buy Happiness with Jonathan Clements

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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

Sep 21 2016

46mins

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Rank #15: Episode 3 – Last-Minute Tax Tips for 2008/Early Tax Planning for 2009 with guest Steven Kohman, CPA, CSEP, CRSP

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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.

Apr 08 2009

55mins

Play

Rank #16: Episode 190 - Avoiding Retirement Planning Pit-falls with Jim Lange and P.J. DiNuzzo

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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

Mar 15 2017

49mins

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Rank #17: Episode 168 - The Seven Costly Mistakes IRA Owners Make in Their Estate Plans with Matt Schwartz

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Episode 168 - The Seven Costly Mistakes IRA Owners Make in Their Estate Plans with Matt Schwartz

Mar 30 2016

45mins

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Rank #18: Episode 166 - Ed Slott’s Retirement Decision Guide, 2016

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Episode 166 - Ed Slott’s Retirement Decision Guide, 2016

Mar 11 2016

47mins

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Rank #19: Episode 180 - Strategic Planning for Your IRA with Bruce Steiner

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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

Oct 19 2016

48mins

Play

Rank #20: Episode 208 - Critical Year-End Planning Tips that Require Your Immediate Attention with Deborah Jacobs – And, Sadly, Our Final Show on KQV

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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?

Dec 20 2017

50mins

Play