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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23. Q&A: Annuities, LTC, Roth & Social Security Featuring Roy Snarr

In this Retirement Income School™ lesson, Dr. Amanda sits down with nationally recognized LTC and safe-money strategist Roy Snarr to show how annuities and long-term care planning work together. You’ll hear Roy’s personal “why,” what most retirees get wrong about LTC, and when to use MYGAs, FIAs with income riders, DIAs/SPIAs to build a guaranteed income floor. We also dig into asset-based LTC, tax-free benefits under the Pension Protection Act, Social Security timing, and how Roth conversions can be staged inside annuities to control taxes and IRMAA.

Timestamps:
00:00 — Welcome and why LTC + annuities belong in the same plan
01:00 — Roy’s backstory and “safe money first” mission
03:30 — The biggest retirement risk: extended care and what Medicare actually covers
06:30 — How modern LTC works: traditional vs. asset-based vs. annuity/LTC benefits
09:30 — Using annuities to build an income floor: MYGA, FIA + rider, DIA/SPIA basics
12:30 — Inflation resilience: COLA options, indexing, and laddering strategies
15:00 — Pension Protection Act strategy: repurposing old non-qualified annuities for tax-free LTC benefits
17:30 — Coordinating Social Security timing with a guaranteed annuity paycheck
19:30 — Roth conversions: using a MYGA/FIA as a safe staging area to manage brackets and IRMAA
22:00 — Due diligence checklist: carrier strength, surrender schedule, rider costs, liquidity
24:00 — Common myths and red flags in annuity/LTC proposals
26:00 — Roy’s #1 takeaway: guarantee enough lifetime income to cover your fixed expenses
28:30 — Wrap and next steps

🔗 Show Links

📅 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.