『Retirement Income School - Safe Money Solutions to Retire Financially Relaxed』のカバーアート

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

著者： Dr. Amanda Barrientez | PhD RICP® RSSA® NPN #19460436
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今ならプレミアムプランが3カ月 月額99円

2026年5月12日まで。4か月目以降は月額1,500円で自動更新します。

概要

 Welcome to Retirement Income School™ podcast — where you'll get the retirement education you wish they had taught in school! This podcast is designed for people nearing retirement or already retired who want clear, trustworthy guidance on how to protect what they’ve built, reduce taxes, and create reliable income they can’t outlive — without speculation or guesswork. Hosted by Dr. Amanda Barrientez, PhD, RICP®, RSSA®, retirement income strategist and founder of Retirement Solutions Financial™, the show blends real-world planning experience with advanced retirement education. Dr. Amanda is a Member of the Ed Slott Elite Advisor Group, an IBC Practitioner, and a Court of the Table producer — credentials that reflect deep specialization in retirement income, tax strategy, and safe-money planning. Each episode breaks down complex retirement topics into plain English and practical strategies, so you can make confident decisions about your money and your future. 𝗜𝗻 𝗪𝗲𝗲𝗸𝗹𝘆 𝗘𝗽𝗶𝘀𝗼𝗱𝗲𝘀, 𝗬𝗼𝘂’𝗹𝗹 𝗟𝗲𝗮𝗿𝗻: • How to protect your retirement savings from market volatility • The truth about annuities, whole life insurance, and long-term care planning • How to create a guaranteed lifetime income using safe-money strategies • Social Security timing strategies to help maximize lifetime benefits • Smart, legal ways to reduce taxes in retirement • How to plan for legacy, beneficiaries, and estate efficiency • The biggest threats to retirement income — and how to avoid them Subscribe now and start building the retirement you deserve! ////////// 📅 Schedule a 1:1 Retirement Income Consult with Dr. Amanda: https://calendly.com/rsf-dramanda/initial-consultation 💰 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 Phone: 1-866-444-2997 LinkedIn: www.linkedin.com/in/retirementincomeschool 𝗔𝗯𝗼𝘂𝘁 𝗗𝗿. 𝗔𝗺𝗮𝗻𝗱𝗮 𝗕𝗮𝗿𝗿𝗶𝗲𝗻𝘁𝗲𝘇 | 𝗣𝗵𝗗, 𝗥𝗜𝗖𝗣®, 𝗥𝗦𝗦𝗔®, 𝗡𝗣𝗡 #𝟭𝟵𝟰𝟲𝟬𝟰𝟯𝟲: 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 video 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.© 2026 Build Your Wealth Solutions LLC | Retirement Solutions Financial™ | All Rights Reserved マネジメント・リーダーシップ リーダーシップ 個人ファイナンス 個人的成功 経済学 自己啓発
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
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