Retire Secure! a Guide to Getting the Most Out of What You’ve Got


This is the 3rd edition of James Lange’s flagship book Retire Secure! This book is updated for 2015. Your book will be shipped within 10 to 14 business days.


Now more than ever, Americans approaching or already in retirement are asking, “Will my money last as long as I do and what can I do to make sure I get the most from what I’ve got?” In this updated Third Edition of Retire Secure! Jim provides new examples and strategies developed from his 32 years as a practicing estate attorney and CPA.

The third edition shows how to use IRAs, retirement plans, Roth IRAs and Roth 401(k)s, Roth IRA conversions, as well as other tax-favored strategies to let Uncle Sam subsidize your retirement and your family’s lifestyle for the remainder of your life, your spouse’s life, and long beyond that.

Jim has a history of seeing ahead of the curve and in this edition, he analyzes the possible repercussions if Congress kills the “Stretch IRA” or seriously truncates its stretch. But, he also provides new avenues to reach the best outcomes if the laws are changed. For example he shows how using a Charitable Remainder Unitrust (CRUT) as a beneficiary of your IRA will potentially be more favorable for many families than just leaving an IRA to your children.

Every chapter of Retire Secure! contains recommendations, analysis, and case studies based on a deep understanding of tax law, estate planning, investing, and running the numbers. Most importantly, they are time tested and proven to work.

“Think of Retire Secure! as a GPS for your money.  You may know where you are and where you want to go, but you don’t know how to get there.  Jim offers the best routes.”
Larry King (from the Foreword), Larry King Now


“In Retire Secure!, CPA and estate planning attorney Jim Lange provides a road map for tax-efficient retirement and estate planning.  This is an invaluable resource for investors and planners alike.”
– Charles R. Schwab
, Chairman and founder, The Charles Schwab Corporation


“Jim Lange’s advice on Roth IRA conversions could yield substantial benefits for millions of IRA owners. His recommendations on estate planning show you how to protect the surviving spouse while preserving options to “stretch” the inherited IRA to children, grandchildren or a trust– whatever the surviving spouse decides.”
Jane Bryant Quinn, Newsweek/


“The fear of running out of money has grown from a lingering, nagging concern to widespread dread.  Readers need long-term effective tax-savvy strategies.  I highly recommend that you read Retire Secure!
Ed Slott, CPA (from the Introduction), America’s IRA Expert, Speaker and author of Stay Rich for Life


Retire Secure! shows how to maximize retirement income while explaining IRA and retirement plan rules in language you can understand (and that is no easy task). Every retiree should read James Lange’s chapter on Optimal Spending Strategies for Retirees.”
Gregory Kolojeski, President, Brentmark Software, Editor,


“You’ve worked hard to build-up your retirement funds – now, finish the job and read the new edition of Lange’s Retire Secure!. You should carefully examine each of his main points, and take full advantage of his suggestions to stretch your money as long as possible before paying taxes. In these troubled times, Lange’s ideas are particularly relevant.”
John A. Tracy, Ph.D., CPA; Author, How to Read a Financial Report and Accounting For Dummies


“In Retire Secure!, CPA and tax attorney James Lange provides clear guidance for understanding the process of making your money last during distribution. The author is an experienced advisor and it shows. His expertise and thinking also provides quality information on available tax-efficient ways to save for retirement.”
– Phyllis Bernstein, CPA/PFS; Former Director, AICPA Director of Personal Financial Planning; Author, Managing Client Expectations in an Uncertain Market and Financial Planning for CPAs


“Read this book before you meet with any tax or financial advisor about how to get the most out of your IRA, 401(k) or other retirement plans. Retire Secure! will help you ask the right questions and find out if your advisors really know what they’re talking about.”
– Paul Merriman, Financial Educator; Founder, Merriman Berkman Next Author, Live It Up Without Outliving Your Money


“Written for the sophisticated and successful lay person (and a great guide for professionals working in this field), Retire Secure! is like a master class in the subject with the instructor taking the student by the hand through each step of the process. Jim Lange, a practicing CPA and attorney, provides both key real world questions and answers?as well as numerous examples, illustrations, and practical side-bar comments.”
Stephan R. Leimberg, CEO Leimberg Information Services, Inc. (LISI).