26. 3 IRA Tax Rules From Ed Slott Every Retiree Must Know

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

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26. 3 IRA Tax Rules From Ed Slott Every Retiree Must Know

In today’s episode of the Retirement Income School™, I’m sharing the three biggest rules I learned at Ed Slott’s Elite IRA Advisor Group training — using Ed’s exact quotes and simple, practical steps you can use to reduce your lifetime tax bill.

I just returned from a multi-day intensive workshop with financial planners, CPAs, estate attorneys, and insurance professionals like me — all focused on helping YOU avoid the biggest retirement tax traps.

You’ll learn:

• Why delaying taxes can cost you more later

• Why your IRA is really an IOU to the IRS

• And why long-term planning is the key to avoiding RMD surprises, IRMAA surcharges, the widow’s penalty, and inherited IRA taxes

Plus, exciting news: Ed Slott himself will be joining us early next year for a conversation you won’t want to miss!

If you want to retire financially relaxed with a plan that protects your wealth and creates predictable, guaranteed income, this episode is for you.

📕 Link to Ed Slott's Book: The Retirement Savings Time Bomb Ticks Louder

00:00 — Ed Slott Elite IRA Advisor Training Recap | Why Dr. Amanda attends this high-level tax workshop
01:15 — What You’ll Learn Today | Ed Slott’s 3 core rules for lowering lifetime retirement taxes
02:00 — Retirement Tax Strategy: Pay at the Lowest Rates | Why delaying taxes can cost you more later
03:00 — Roth Conversion Timing in Your 60s | Using low-tax years to reduce future RMDs
04:30 — RMD Planning in Your 70s | How forced withdrawals increase your tax bill
05:00 — Annuities for Roth Conversions | How to convert safely using Roth-friendly annuity contracts
06:00 — IRA Tax Truth: “Your IRA Is an IOU to the IRS” | Understanding how much of your IRA is really yours
06:45 — Hidden Tax Triggers: IRMAA, Social Security Taxation, Widow’s Penalty | The chain reaction retirees miss
07:30 — Reducing Your IOU | Moving money from tax later to tax never with Roth conversions + QCDs
08:00 — Long-Term Retirement Tax Planning | Why year-by-year decisions create 30-year tax problems
09:00 — Multi-Year Planning Across Your 40s–80s | Mapping RMDs, Medicare, survivor income, and inheritance taxes
10:30 — Recap of Ed Slott’s 3 Rules | Pay early, understand your IOU, and plan long-term
11:00 — Work With Dr. Amanda | How to schedule a Retirement Income Q&A Call
12:00 — Final Thoughts | Learn safe money strategies so you can retire financially relaxed

📅 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]
Phone: 1-866-444-2997
LinkedIn: @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.