37. A $750K Roth Conversion...That Triggers the IRMAA Trap

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda: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 /////////////// 37. A $750K Roth Conversion..That Triggers the IRMAA Trap Roth conversions sound simple on the surface… but once you factor in taxes and Medicare, they can get complicated fast. In this episode of Retirement Income School™, Dr. Amanda walks through a real $750,000 Roth conversion case study and explains how IRMAA can quietly increase Medicare premiums if conversions aren’t structured carefully. You’ll learn how partial Roth conversions, IRMAA bracket management, timing before RMDs, and Roth-friendly annuities can work together to help retirees reduce taxes, protect wealth, and create a more tax-efficient legacy plan for their children. Timestamps: 00:00 – Intro: The $750K Roth Conversion IRMAA Trap 00:45 – What IRMAA Is & Why It Matters 02:00 – Understanding the IRMAA “Cliff” 03:10 – Sally & Sam Case Study Breakdown 04:30 – Their Goal: Pass $2.5M Tax-Free to Their Kids 05:45 – Why Timing Matters Before RMDs 06:00 – Roth Blueprint Software Walkthrough 07:15 – Using a Fixed Index Annuity in the Strategy 08:00 – Tier 2 IRMAA Conversion Strategy 09:00 – Year-by-Year Conversion Example 10:00 – Guaranteed Growth vs. Market Risk 11:00 – Taxes Paid During the Conversion Process 12:00 – Comparing Tier 2 vs. Faster Conversion Strategies 13:00 – Why Partial Roth Conversions Matter 14:00 – Key Takeaways on IRMAA & Medicare Planning 15:00 – How Annuities Help Offset Roth Conversion Taxes 16:00 – Final Thoughts & Next Steps 📅 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]: @RetirementIncomeSchool About Dr. Amanda Amanda Barrientez | PhD, RICP®, RSSA®, NPN #19460436IBC Practitioner®, Ed Slott's IRA Advisor Group Member®Court of the Table Member MDRT®  Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™. 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.