16. Roth Conversion Deadline: Why 2025–2028 Could Save You Thousands

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// If you’ve been thinking about a Roth conversion, this episode is for you. In this lesson, Dr. Amanda breaks down how the One Big Beautiful Bill Act (OBBBA) creates a powerful window from 2025–2028 for strategic Roth conversions — especially for IRA millionaires. You’ll learn how to convert your IRA using a Roth-friendly annuity with no out-of-pocket tax costs, eliminate future RMDs, avoid IRMAA surcharges, and create a tax-free income stream for life — all while staying in your current tax bracket. She shares a real case study using her Roth Conversion Blueprint™ software, explains how gains in a Roth annuity are tax-free, and walks you through one of the most powerful safe money strategies available today. Timestamps: 00:00 – Why the 2025–2028 window is so important for Roth conversions 01:00 – How OBBBA impacts tax brackets and the new $6,000 senior deduction 02:00 – Why Roth IRAs help eliminate future RMDs and give you tax-free growth 03:00 – The 6 tax problems caused by RMDs 05:00 – Case study: Barbara’s $1M IRA and 4-year Roth conversion strategy 06:30 – What is a Roth-friendly annuity and how does it work? 08:30 – How gains in a Roth annuity are 100% tax-free 10:00 – No IRMAA hikes, no tax for heirs, and no RMDs 12:00 – Why you should convert now — not later 13:00 – How to get your personalized Roth Conversion Blueprint™ 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: [email protected]: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.