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