Couverture de 31. Roth vs Whole Life for RMD Planning (Start Before 73!)

31. Roth vs Whole Life for RMD Planning (Start Before 73!)

31. Roth vs Whole Life for RMD Planning (Start Before 73!)

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 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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