エピソード

  • 36. Roth Conversions: 5 Costly Mistakes Retirees Make

    36. Roth Conversions: 5 Costly Mistakes Retirees Make
    2026/04/30
    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 /////////////// 36. Roth Conversions: 5 Costly Mistakes Retirees Make Roth conversions sound simple on the surface… but once you really get into the details, they’re not. After attending Ed Slott’s Elite IRA Advisor Workshop, where we covered 50 different Roth conversion considerations, I wanted to simplify the topic for you. In this episode, I break down the 5 costly Roth conversion mistakes retirees make—and how to avoid them. We’ll cover tax bracket surprises, the Roth conversion window between retirement and RMDs, how large IRAs create future tax problems, the widow’s penalty, and what happens to your IRA when heirs inherit it. If you’re in your 60s or early 70s and want to reduce taxes, protect wealth, and create smarter retirement income, this lesson is for you. Timestamps: 00:00 Roth conversions sound simple… but they’re not 00:28 Ed Slott workshop: 50 Roth conversion considerations 01:05 Why Roth planning is so complex 01:42 Core principle: Pay taxes at the lowest lifetime rate 02:35 Mistake #1 – Assuming you’ll be in a lower tax bracket later 04:18 Mistake #2 – Missing the Roth conversion window 05:22 Mistake #3 – Ignoring IRA size and future taxes 06:42 Mistake #4 – Not planning for the surviving spouse 08:05 Mistake #5 – Forgetting about your beneficiaries 09:32 Why Roth planning is long-term strategy 10:05 The 3 retirement tax buckets explained 11:00 How annuities help with Roth conversions and tax control 12:08 Using life insurance for tax-free liquidity and legacy 12:55 The goal is not to eliminate taxes—it’s to control them 13:18 Schedule a Retirement Income Q&A Call 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    14 分
  • 35. Are Annuities the New Bonds for Retirees?

    35. Are Annuities the New Bonds for Retirees?
    2026/04/16
    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 /////////////// 35. Are Annuities the New Bonds for Retirees? Bonds are supposed to be the safe part of your portfolio… …but what if they’re not? Today, many retirees are discovering that the part of their portfolio they thought was stable can still lose value at exactly the wrong time. So in this lesson, I’m breaking down what retirement research actually says about “safe money”—and why that’s leading some retirees to rethink bonds and consider alternatives like MYGAs and fixed index annuities. We’ll walk through the real risks in retirement, including sequence of returns risk and investor behavior, and then compare how different “safe money” tools actually function inside a portfolio. Because this isn’t just about returns—it’s about predictability, stability, and making sure your money is there when you need it most. ⏱️ Timestamps 00:00 – Are bonds really safe? 00:30 – The real question retirement research is solving 01:15 – What the research actually found (Pfau, Milevsky, Mitchell) 02:15 – Why volatility matters more in retirement 03:15 – Behavior: the hidden risk most retirees overlook 04:15 – What actually improves retirement outcomes 05:00 – What “safe money” is supposed to do 05:45 – The reality: why safe money isn’t always safe 06:30 – The traditional 60/40 portfolio explained 07:15 – The assumptions behind bonds 08:00 – Where bonds break down today 09:00 – The real risk to your retirement plan 09:45 – What the research points toward instead 10:30 – Safe money comparison: Bonds vs MYGAs vs FIAs 11:30 – How retirees are rethinking their portfolios 12:15 – Where annuities fit (beyond income) 13:00 – Portfolio shift: 60/40 → Stocks / Annuities / Cash 13:45 – Final takeaway: upgrading your safe money 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    12 分
  • 34. How Much Safe Money Should You Have in Retirement?

    34. How Much Safe Money Should You Have in Retirement?
    2026/04/02
    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 /////////////// 34. How Much Safe Money Should You Have in Retirement? How much of your retirement should actually be safe? In this episode of Retirement Income School™, Dr. Amanda breaks down one of the most important — and most misunderstood — questions in retirement planning: “How much should you allocate to safe money strategies like annuities or whole life insurance?” Instead of focusing on percentages first, you’ll learn a more powerful framework — how to determine how much of your income needs to be protected no matter what the market does. This lesson explores the three biggest retirement risks — longevity, market volatility, and sequence of returns — and how they work together to impact your portfolio over time. Using real research and real client examples, you’ll learn how safe money strategies can help create income stability, reduce risk, and give your growth investments time to recover. If you’ve ever wondered whether your retirement plan would hold up during a downturn — this episode is your blueprint. Timestamps 00:00 – Opening question: Would your retirement survive a market drop? 00:45 – The real definition of “safe money” 01:15 – Reframing the question: income protection vs allocation 02:00 – The 3 biggest retirement risks explained 02:45 – Sequence of returns risk (the biggest risk right now) 04:15 – Longevity risk and why it amplifies everything 05:30 – Research: retiree fears and safe withdrawal rates 06:30 – Research: guaranteed income & retirement confidence 07:15 – Income flooring and Wade Pfau’s allocation insights 08:00 – What safe money looks like in real portfolios 09:00 – Why 30–60% safe money is common (by design) 09:45 – The 3-bucket strategy explained 11:00 – Rule of thumb: income floor + safe money allocation 11:45 – What safe money actually does (not about returns) 12:30 – Final takeaway: making your retirement work no matter what 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    12 分
  • 33. Testing the 4% Rule: A $1M Retirement Income Case Study

    33. Testing the 4% Rule: A $1M Retirement Income Case Study
    2026/03/19

    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

    ///////////////

    33. Testing the 4% Rule: A $1M Retirement Income Case Study

    Most retirees are told they can safely withdraw about 4% from their portfolio each year — but is that really the best way to create retirement income?

    In this lesson, we test the traditional 4% rule against a guaranteed lifetime income annuity using a $1 million retirement income scenario. You’ll see how two different strategies using the same assets can produce very different income outcomes.

    We break down how withdrawal strategies work, why they must remain conservative, and how annuities use pooling and mortality credits to potentially create higher, more predictable income.

    If you’ve ever wondered how to turn your savings into reliable income you can’t outlive — this is a must-watch lesson.

    Timestamps:

    00:00 – Introduction: Testing the 4% Rule
    00:30 – Overview of the Case Study
    01:00 – Rethinking Retirement Income
    01:30 – The $1M Income Bucket Explained
    02:00 – 4% Rule Breakdown ($40K/year)
    02:45 – Risks of Portfolio Withdrawals
    03:30 – Introducing the Income Annuity Strategy
    04:00 – Annuity Case Study Setup (Age 59 → 60)
    04:30 – Annuity Income Results ($82K+)
    05:30 – Comparing Income Outcomes
    06:15 – Why Withdrawals Must Stay Conservative
    07:00 – How Annuities Work Differently
    07:45 – Mortality Credits Explained
    09:00 – More Income from the Same Assets
    09:45 – When Annuities Make Sense
    10:30 – Turning Assets into Reliable Income
    11:30 – How to Get Help / CTA
    12:00 – Closing Thoughts

    📅 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: DrAmanda@RetirementSolutionsFinancial.com
    LinkedIn: @RetirementIncomeSchool

    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.
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    13 分
  • 32: Sequence of Returns Risk Explained: Protecting Retirement Income

    32: Sequence of Returns Risk Explained: Protecting Retirement Income
    2026/03/05
    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 /////////////// 32: Sequence of Returns Risk Explained: Protecting Retirement Income What if two retirees earned the exact same 6% average return — but one ended up with $419,000 less after just 10 years? In this episode of Retirement Income School™, Dr. Amanda breaks down one of the most misunderstood and dangerous concepts in retirement planning: Sequence of Returns Risk. You’ll learn why “average returns” can be misleading, how early market losses during retirement withdrawals can permanently damage your portfolio, and what you can do to protect your income from volatility. Using simple math examples, a powerful 25% “average return” illusion, and a real retirement case study, Dr. Amanda shows how fixed index annuities (with and without income riders) and dividend-paying whole life insurance can create stability, income protection, and peace of mind in uncertain markets. If you're nearing retirement or already taking withdrawals, this lesson could change how you think about risk forever. Timestamps: 00:00 – Same 6% Average… $419,000 Difference 00:55 – What Is Sequence of Returns Risk? 01:40 – Why Retirement Is Different from Accumulation 02:15 – The 25% “Average Return” Illusion Explained 03:45 – Why Averages Can Be Dangerous 04:35 – $1M Retirement Case Study Setup 05:00 – Positive Returns First vs. Negative Returns First 06:00 – The $419,000 Sequence Risk Gap 06:45 – Adding Safe Money Protection 07:15 – How Fixed Index Annuities (FIA) Work 08:00 – FIA with Income Rider Example 09:00 – Lifetime Income Numbers Explained 10:15 – Why Income Riders Reduce Sequence Risk 10:45 – Whole Life as a Volatility Buffer 11:45 – The Four-Layer Protection Model 13:00 – How to Protect Your Retirement Income 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    14 分
  • 31. Roth vs Whole Life for RMD Planning (Start Before 73!)

    31. Roth vs Whole Life for RMD Planning (Start Before 73!)
    2026/02/19
    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 /////////////// 31. Roth vs Whole Life for RMD Planning (Start Before 73!) If you're asking at age 73 whether whole life can eliminate your RMDs… you might already be asking too late. In this episode of the Retirement Income School™, Dr. Amanda tackles one of the smartest — and most misunderstood — retirement planning questions: Can whole life eliminate RMDs like Roth conversions? The answer starts with a critical distinction: Eliminating RMDs is not the same thing as positioning early so RMDs never become overwhelming. You’ll learn why RMD planning is not a 73-year-old problem — it’s a 55-year-old opportunity — and how Roth conversions and whole life insurance serve very different strategic roles in your retirement income plan. This episode will help you understand: • The difference between elimination vs. repositioning strategies • Why timing changes everything • The risks of waiting until RMD age • When Roth conversions make more sense • When whole life may offer unique advantages • How layered planning creates tax, income, and legacy diversification If your IRA is growing faster than your tax strategy… this lesson is for you. Timestamps: 00:00 – If You’re 73, You May Already Be Late 01:00 – The Wrong Premise Behind the RMD Question 02:00 – Whole Life vs Roth: Key Distinction 03:30 – Why RMD Planning Starts at 55, Not 73 04:30 – What Happens If You Wait Until 73 05:30 – The 55–65 Planning Advantage 06:45 – Elimination vs Repositioning Strategies 08:00 – Why Whole Life Requires Early Planning 09:00 – What Whole Life Does NOT Do 10:00 – When Roth Makes More Sense 11:00 – When Whole Life Makes More Sense 12:00 – The Layered Strategy: Not Either/Or 13:00 – The Real Question About RMD Planning 14:00 – How to Take Control Early 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    15 分
  • 30. Why Retirement Is Emotional — Not Just Financial

    30. Why Retirement Is Emotional — Not Just Financial
    2026/02/05
    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 /////////////// 30. Why Retirement Is Emotional — Not Just Financial In this special lesson of Retirement Income School™, Dr. Amanda shares a more personal side of her journey and explains why retirement planning is about more than numbers on a spreadsheet. From being a single-mom in grad school with financial stress, to helping her mom navigate retirement after losing her father, Dr. Amanda reveals how those experiences shaped her inspiration for retirement income planning and safe money strategies. You’ll learn why even retirees with millions saved often feel anxious, what truly creates peace of mind in retirement, and why guaranteed income can change how retirement feels. This episode connects real-life experience with powerful research showing that retirement confidence is built on certainty, income, and trust — not just asset size. If you’ve ever wondered why retirement still feels stressful even when “the math works,” this lesson is for you. Timestamps 00:00 – Why this lesson is different & welcome to Retirement Income School™ 01:00 – Dr. Amanda’s personal backstory and why security matters 02:15 – From food stamps to financial planning: why income became the focus 03:30 – Why “retire financially relaxed” is the real goal 05:15 – Common fears retirees experience (even with large portfolios) 06:30 – The real problem: lack of certainty, not lack of assets 08:10 – Why retirees struggle with spending and decumulation 09:30 – Why annuities and pensions change retirement behavior 10:15 – BlackRock research on guaranteed lifetime incomeBlackRock Article Link 12:00 – Market volatility, sequence of returns, and retirement stress 13:45 – Longevity risk and why income matters more as we age 15:30 – How guaranteed income reduces fear, stress, and bad decisions 17:00 – The real goals of retirement income planning 18:15 – Retirement planning as a relationship, not a transaction 19:15 – Why Retirement Income School™ exists 20:00 – Invitation to book a Retirement Income Q&A Call 20:45 – Final thoughts & subscribe reminder 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @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.
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    20 分
  • 29. Roth Conversion Blueprint for an $850K TSP (Live Demo)

    29. Roth Conversion Blueprint for an $850K TSP (Live Demo)
    2026/01/22
    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/////////////// 29. Roth Conversion Blueprint for an $850K TSP (Live Demo) If you’re a federal employee or retiree with a sizable Thrift Savings Plan (TSP), this episode is designed to help you understand how TSP taxes actually work in retirement. The TSP is excellent at helping you save during your working years, but it doesn’t help you decide when and how that money gets taxed once you retire. That’s where many people get surprised. In this lesson, I’ll walk you through TSP 101, explain where tax challenges tend to show up in retirement, and then take you through a live demo showing how a Roth conversion plan may be structured for an $850,000 TSP using the Roth Blueprint™. This is an educational walkthrough designed to help you understand the process, considerations, and trade-offs involved in Roth conversion planning — not a one-size-fits-all solution. Timestamps 00:00 – Intro: Why TSP taxes surprise retirees 01:00 – What the TSP is designed to do (accumulation vs planning) 01:45 – The three retirement phases: accumulation, tax planning, distribution 02:45 – Why large TSP balances create challenges in retirement 03:30 – RMDs, IRMAA, and the survivor tax issue 04:10 – 2026 update: Roth conversions inside the TSP 05:00 – Why Roth conversion planning is often done outside the TSP 05:50 – Why Roth-friendly annuities are used in this example 07:10 – Case study: Sam & Sally Sample (profile overview) 08:40 – Conversion goals and planning considerations 10:50 – Live Roth Blueprint™ software walkthrough begins 12:40 – Paying conversion taxes externally vs internally 15:30 – Comparing outcomes: bonus vs non-bonus annuity strategies 18:30 – Why Roth conversion planning is highly individualized 19:45 – Key educational takeaways 20:30 – How to get your own Roth conversion analysis 21:00 – Final thoughts & disclaimer 📅 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: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda 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.
    続きを読む 一部表示
    21 分