50. The Roth Conversion Clock Is Ticking: Why 2026–2028 Matters

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 //////// 50. The Roth Conversion Clock Is Ticking: Why 2026–2028 Matters Roth conversions are often described as a way to pay taxes today instead of tomorrow—but their value may extend well beyond tax rates alone. In this episode, Dr. Amanda explains why 2026 through 2028 may provide an important Roth-planning window, explores six ways required minimum distributions can affect retirement, and walks through a hypothetical $1 million Roth-conversion case study. You’ll also learn how a Roth-friendly fixed indexed annuity may be incorporated into a broader strategy for tax diversification, future flexibility, and legacy planning. Timestamps: 00:00 Why Roth conversions are receiving attention 01:01 Why 2026–2028 may be a planning opportunity 03:13 The broader purpose of Roth conversions 05:16 Six potential chain reactions of RMDs 09:06 The $1 million Roth-conversion case study 12:20 Building the Roth-conversion blueprint 16:44 Reviewing the five-year conversion strategy 18:35 What the strategy is designed to accomplish 20:10 Key Roth-planning takeaways 20:44 How to explore your own Roth blueprint 📅 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.