37. A $750K Roth Conversion...That Triggers the IRMAA Trap
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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
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About Dr. Amanda
Amanda Barrientez | PhD, RICP®, RSSA®, NPN #19460436
IBC 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.