『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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  • 53. $500K "Hybrid Pension" Explained: What Retirees Are Really Buying

    53. $500K "Hybrid Pension" Explained: What Retirees Are Really Buying
    2026/10/08

    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

    ////////

    53. $500K "Hybrid Pension" Explained: What Retirees Are Really Buying

    What are you really buying when you put $500,000 into a “hybrid pension”? In Lesson 53 of Retirement Income School™, Dr. Amanda explains why this marketing term refers to a fixed index annuity with a lifetime income rider—and how it differs from an employer pension.

    Learn the difference between account value and income base, how lifetime income is calculated, and the trade-offs involving fees, liquidity, growth limits, and inflation. A hypothetical $500,000 example compares starting income now versus waiting and choosing single-life versus joint-life payments to help you understand where this approach may fit in a retirement plan.

    Timestamps:

    00:00 – Introduction: What is a “hybrid pension”?
    01:00 – Fixed index annuities and lifetime income riders
    02:00 – Pension envy and protection against outliving your money
    03:00 – Two phases: Accumulation and lifetime income
    04:00 – Account value vs. income base
    05:00 – Funding with retirement accounts or after-tax savings
    06:00 – Trade-offs: Surrender periods and rider fees
    07:00 – Growth limits, inflation, and access to funds
    08:00 – Who might benefit? Understanding your income gap
    09:00 – Paychecks, playchecks, and other income needs
    10:00 – Three questions to ask before buying
    11:00 – $500,000 hypothetical example: Immediate vs. deferred income
    12:00 – Comparing deferral periods and single-life payouts
    13:00 – How timing and joint-life coverage affect income
    14:00 – Lesson recap and next steps
    15:00 – Book a Q&A Call and educational disclaimer

    📅 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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    15 分
  • 52. Mean Annuity Comments: What They Get Right—and Wrong

    52. Mean Annuity Comments: What They Get Right—and Wrong
    2026/09/24

    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

    ////////

    52. Mean Annuity Comments: What They Get Right and Wrong

    Are annuities a scam, or can they serve a useful purpose in retirement? In this lesson of Retirement Income School™, I take common criticisms from viewer comments and look at the questions behind them. We’ll cover fees and tradeoffs, access to your money, how lifetime income riders work, inflation, and what backs an insurer’s guarantees. I’ll also compare MYGAs, fixed indexed annuities, and index funds so you can better understand where each might fit—and what to ask before making a decision.

    Other Videos Referenced in This Lesson:
    Why the 4% Rule Falls Short
    Are Insurance Companies Safe for Retirement Income?

    Timestamps:
    00:00 Why annuities draw strong opinions
    02:49 What annuities really cost
    07:15 Surrender charges and access to your money
    08:10 Is annuity income just your own money?
    10:15 Inflation and the 4% rule
    12:40 Planning income for now, later, and ongoing needs
    14:25 Who backs an annuity guarantee?
    17:50 MYGAs, fixed indexed annuities, and index funds
    19:34 Should you buy an annuity?
    22:00 Questions to guide your decision

    📅 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.
    続きを読む 一部表示
    23 分
  • 51. What Happens When You Work With Me? My 4-Step Process

    51. What Happens When You Work With Me? My 4-Step Process
    2026/09/17
    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 //////// 51. What Happens When You Work With Me? My 4-Step Process What does a retirement income planner actually do—and what should you expect when working with one? In this lesson of Retirement Income School, Dr. Amanda takes you behind the scenes of her retirement income planning process. You’ll see how she evaluates a client’s complete financial picture, identifies income gaps and risks, compares potential strategies, and helps clients make informed decisions. Dr. Amanda also explains the tools she uses—including Asset Map, Annuity Genius, and Roth conversion modeling software—and discusses implementation, ongoing support, annual reviews, and how she is compensated. If you’ve spent decades building your savings but aren’t sure how to turn those assets into reliable retirement income, this episode will help you understand what a retirement income planning relationship can look like. Timestamps: 00:00 What Does a Retirement Income Planner Do?00:49 Why Dr. Amanda Works With Retirees02:36 Retirement Planning Is More Than Investing03:02 Accumulation vs. Retirement Distribution04:38 Common Retirement Income Concerns06:43 The Four-Step Planning Process07:22 Step 1: Retirement Income Q&A Call09:05 Step 2: Discover and Analyze09:25 Building Your Financial Asset Map11:21 Step 3: Modeling Solutions and Recommendations12:04 Comparing Annuity Income Strategies13:42 Modeling Roth Conversions and IRMAA14:21 Step 4: Review and Make Decisions15:13 Implementation and Ongoing Support16:13 How Dr. Amanda Is Compensated16:58 Client Experiences and Reviews18:39 Planning Process Recap19:06 How to Book a 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.
    続きを読む 一部表示
    20 分
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