19. Roth Conversion Case Study for IRA Millionaires

Like what you heard in this episode? Schedule a Q&A Call:🗓️ 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 /////////////// Sally retired at 65 with a $1M IRA and felt proud—until she realized how much the IRS could eventually claim. In this lesson, I walk through her real case using my Roth Blueprint software to show how a smart, staged Roth conversion can protect your wealth, reduce future RMDs, and head off IRMAA surprises. You’ll also learn what the OBBBA tax brackets mean for planning and why rising national debt matters for IRA millionaires. Timestamps: 00:00 — $1M IRA and the “tax time bomb” 01:05 — Why consider a Roth conversion now (OBBBA update) 03:10 — National debt and why IRA millionaires are exposed 05:15 — Case study setup: Sally (65, MFJ, AGI $150k, $1M IRA) 06:45 — Live software walkthrough: guardrails and bracket choices 10:30 — Year-by-year conversion path and tax impact 12:40 — IRMAA tradeoffs vs long-term RMD relief 14:20 — Pairing Roth with A-rated annuities for safety 16:00 — How to take the next step with your own plan Other Episode Referenced:  17. Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps 🔗 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.