『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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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
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  • 47. Can an FIA (Fixed Indexed Annuity) Protect You from Market Losses?

    47. Can an FIA (Fixed Indexed Annuity) Protect You from Market Losses?
    2026/08/06

    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

    ////////

    Can an FIA (Fixed Indexed Annuity) Protect You from Market Losses?

    Can a fixed indexed annuity provide market-linked growth without exposing your principal to market losses? In this episode of Retirement Income School, Dr. Amanda explains how FIA downside protection works and the trade-offs that come with it. You’ll learn about 0% floors, caps, participation rates, rate locks, fees, surrender periods, and renewal rate integrity. Dr. Amanda also walks through FIA software examples to illustrate available crediting strategies, hypothetical contract values, liquidity provisions, and the role an FIA may play as the protected portion of a retirement portfolio.

    Timestamps:

    00:00 Can an FIA protect you from market losses?
    01:15 Why market downturns matter in retirement
    02:28 Sequence-of-returns risk
    04:36 How predictable income may support retirement
    05:11 How a fixed indexed annuity works
    05:40 FIA software walkthrough
    07:16 Fixed accounts and index allocation options
    12:30 Roth-friendly FIA considerations
    15:00 Guaranteed and hypothetical contract values
    17:23 Three potential downsides of FIAs
    20:31 Who may be a good fit for an FIA
    21:00 Final considerations and next steps

    📅 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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    22 分
  • 46. The Future of Social Security: What Retirees Need to Know | Martha Shedden

    46. The Future of Social Security: What Retirees Need to Know | Martha Shedden
    2026/07/23
    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 Social Security is one of the most important sources of retirement income, yet it's also one of the most misunderstood. In this special Retirement Income School™ interview, I sit down with Martha Shedden, co-founder and president of the National Association of Registered Social Security Analysts (NARSSA), to discuss how Social Security really works and why your claiming decisions can have a lasting impact on your retirement income. We cover the history and purpose of Social Security, claiming strategies, spousal and survivor benefits, taxation of benefits, and the biggest misconceptions retirees face today. Most importantly, we address the question that's on everyone's mind: What does the future of Social Security really look like, and should retirees be worried? Whether you're approaching retirement or already collecting benefits, this conversation will help you make more informed Social Security decisions. SHOWNOTE LINK: https://actuary.org/socialsecurity/ Timestamps: 00:00 – Introduction 01:10 – Meet Martha Shedden & NARSSA 02:05 – The History of Social Security 04:10 – Why Social Security Is Your Retirement Income Floor 06:15 – Full Retirement Age & How Benefits Are Calculated 09:30 – Spousal Benefits Explained 15:45 – Survivor Benefits & Divorced Spouse Rules 20:10 – Real-Life Claiming Strategy Example 22:50 – How Social Security Benefits Are Taxed 25:35 – How I Use RSSA Software With Clients 26:20 – The Future of Social Security 27:20 – Will Social Security Run Out of Money? 29:15 – Potential Changes Congress Could Make 33:20 – Should You Claim Early Because You're Worried? 34:00 – Martha's Final Advice for Retirees 34:45 – Closing & Retirement Income School™ 📅 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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    35 分
  • 45. Why the 4% Rule Falls Short (Dr. Wade Pfau Explains)

    45. Why the 4% Rule Falls Short (Dr. Wade Pfau Explains)
    2026/07/16
    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 The 4% rule has been the cornerstone of retirement income planning for decades—but is it still the best strategy for today's retirees? In this lesson, I'm joined by retirement income expert and bestselling author Dr. Wade Pfau, one of the world's leading researchers on safe withdrawal strategies and the safety-first approach to retirement planning. Together, we discuss the history of the 4% rule, why it may leave retirees feeling financially stressed, and how guaranteed lifetime income can create greater confidence throughout retirement. We also explore sequence of returns risk, risk pooling, spending shocks, the surprising research linking guaranteed income to greater retirement happiness, and why building an income floor may be one of the most important decisions you make before retiring. If you're looking for a smarter way to turn your savings into reliable retirement income, this conversation is one you won't want to miss. Timestamps: 00:00 Welcome to the Retirement Income School 01:18 Meet Dr. Wade Pfau 02:20 The History Behind the 4% Rule 05:45 Why the 4% Rule Falls Short Today 09:40 Understanding Safety-First Retirement Planning 14:30 Building a Guaranteed Income Floor 18:15 How Risk Pooling Makes Annuities Different 24:10 Planning for Spending Shocks in Retirement 28:45 The Research on Happiness and Guaranteed Income 33:20 Why So Many People Hesitate to Use Annuities 37:45 A Simple Retirement Income Action Plan 40:30 Final Thoughts 🔗Dr. Wade Pfau Links:Retire with Style Podcast: https://retirewithstyle.com/Retirement Researcher: https://retirementresearcher.com/Retirement Planning Guidebook: https://amzn.to/4vBVU3rSafety First Retirement Planning: https://amzn.to/4vBVU3r 📅 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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    40 分
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