AARP Retire Secure!

AARP Digital Editions offer you practical tips, provensolutions, and expert guidance.A comprehensive and easy-to-understand guide to maximizing thebenefits of IRAs and retirement assets. Retire Secure, SecondEdition offers unbeatable recommendations for addressing the #1fear facing most readers: Running Out of Money. Retire Secure,Second Edition also shows baby boomers nearing retirement how theycan save tens of thousands to over one million dollars by payingtaxes later. This practical guide delivers straight forwardaccumulation and distribution strategies for IRAs, Roth IRAs, thenew Roth 401(k) and other retirement plans. More specifically,Lange gives readers tips on how to prepare for expected tax changesin 2010, details on converting to Roth IRAs, New Roth 401(k) andRoth 403(b) rules, and when IRA and retirement plan owners shouldconsider second to die life insurance. Further, this book describesLange's exceptional estate plan--a plan that has been featured inThe Wall Street Journal and many other fine financial journals.This definitive guide enjoys glowing endorsements from CharlesSchwab, Larry King, Ed Slott and 60 other financial authors andexperts.

Foreword by Larry King xxiAcknowledgments xxiiiHow to Read This Book xxvThe Big Retirement Question xxixA Summary of Tax Reduction Strategies xxxiWhat's New! xxxviiIntroduction by Ed Slott xliiiPart One The Accumulation Years: The Best Way to Save forRetirement 11. Fund Retirement Plans to the Maximum 32. Traditional IRAs versus Roth IRAs 313. Traditional 401(k)s and 403(b)s versus Roth 401(k)s and Roth403(b)s 49Part Two The Distribution Years: Spend the Right Funds Firstand Other Critical Decisions You Face in Retirement 714. Optimal Spending Strategies for Retirees 735. Minimum Required Distribution Rules 856. Should You Transfer Your 401(k) Account to an IRA atRetirement?: Rollovers versus Trustee-to-Trustee Transfers andOther Strategies 957. Roth IRA Conversions 1238. Annuitizing Your Financial Accumulations: Does It Make Sensefor You? 1399. Withdrawing Retirement Plans Funded with Company Stocks andNet Unrealized Appreciation 161Part Three Estate Planning: It Is Never Too Early to Start16710. Eddie and Emily: A Retirement and Estate Planning Case Study17111. How to Reduce Your Federal Estate Tax Burden 18112. The Most Certain and for Many the Best Way to ProvideFinancial Security for Your Children: Survivorship Life Insurance20313. Laying the Foundation for Estate Planning: Using the MinimumRequired Distribution Rules after Death 22514. Using Disclaimers in Estate Planning 23515. The Ideal Benefi ciary Designation of Your Retirement Plan:Stretching and Disclaiming: Lange's Cascading Benefi ciaryPlan 24916. Changing Benefi ciaries for Retirement Plans and IRAs26517. Trusts as Benefi ciaries of Retirement Plans 27518. How Donors Can Do Well by Doing Good 28719. A Point-by-Point Summary of the Whole Process 301Thank you, Readers 305Appendix: Life Expectancy Tables 309About the Author 311Index 313