Retirement Income School - Safe Money Solutions to Retire Financially Relaxed Podcast Por Dr. Amanda Barrientez | PhD RSSA® Agent NPN #19460436 arte de portada

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

De: Dr. Amanda Barrientez | PhD RSSA® Agent NPN #19460436
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 Welcome to the Retirement Income School™ podcast — your go-to source for the retirement planning education you wish you’d learned in school. Whether you're approaching retirement or already there, this show delivers clear, actionable strategies to protect your wealth, minimize taxes, and create guaranteed income for life. Hosted by Dr. Amanda, a retirement income strategist and founder of Retirement Solutions Financial™, each episode helps you confidently navigate retirement with safe money solutions, lifetime income planning, and smart Social Security, tax, and legacy strategies — so you can retire financially relaxed. 𝗜𝗻 𝗪𝗲𝗲𝗸𝗹𝘆 𝗘𝗽𝗶𝘀𝗼𝗱𝗲𝘀, 𝗬𝗼𝘂’𝗹𝗹 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿: ➾ How to protect your money from market volatility ➾ The truth about annuities, whole life insurance, and long-term care ➾ How to create a Lifetime Retirement Paycheck™ using safe money strategies ➾ Social Security timing tips to maximize benefits ➾ Estate planning and legacy-building with wills, trusts, and life insurance ➾ How to reduce taxes in retirement — legally and efficiently ➾ The biggest risks to your retirement income (and how to beat 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: 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.© 2025 Build Your Wealth Solutions LLC | Retirement Solutions Financial™ | All Rights Reserved
Episodios
  • 8. Annuities, Whole Life Insurance & 401Ks — What Most People Get Wrong

    8. Annuities, Whole Life Insurance & 401Ks — What Most People Get Wrong
    May 21 2025
    Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: 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///////////////After the last episode on how 401(k)s can fail you in retirement, the comments exploded — some supportive, some skeptical, and many full of strong opinions. People said whole life insurance is a scam. Annuities are a joke. And 401(k)s? Sacred ground. So in this episode, I’m taking you deeper into the truth behind these financial tools. You'll learn why 401(k)s, while helpful for accumulation, fall short when it comes to creating guaranteed income, protecting your wealth, and covering long-term care. I’ll share why I never had a 401(k), how my husband cashed his out, and why we now use annuities and dividend-paying whole life insurance as part of our retirement strategy. If you’ve ever wondered what actually belongs in a secure retirement plan — and what doesn’t — this lesson is for you. ⏱️ TIMESTAMPS: 0:00 – Why I’m revisiting this topic: Comments, criticisms, and real questions 02:00 – My story: No 401(k), entrepreneurship, and what I learned from my husband’s 04:30 – Why financial education is mission-critical in retirement planning 07:00 – The (surprising) history of the 401(k) and what it was really designed for 08:30 – The 6 major drawbacks of 401(k)s for retirement income 21:00 – What whole life insurance actually does (not just a death benefit!) 24:00 – How annuities provide guaranteed income for life — and protect your future 28:00 – Answering the big question: “What if I die early with an annuity?” 29:00 – Comparing fees: 401(k)s vs. annuities vs. whole life 33:00 – Let’s talk about commissions and transparency 35:00 – 2 key questions every retiree should ask about their income plan 37:30 – 401(k) vs. annuity vs. whole life: What each tool is actually good for 38:30 – Retirement Income School: The education we all deserved 39:30 – How to schedule a free Retirement Income Q&A Call with me Show Links 📅 Want to Find Out More? Schedule a Q&A Call with Dr. Amanda → www.RetirementIncome.School 💰 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: @RetirementIncomeSchool
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    40 m
  • 7. The #1 Thing Missing from Most Retirement Plans (And Why 401Ks Aren’t Enough)

    7. The #1 Thing Missing from Most Retirement Plans (And Why 401Ks Aren’t Enough)
    May 14 2025
    Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: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 ///////////// You did everything right — you saved, you worked hard, you built up your 401K. But now you’re nearing retirement, and instead of peace of mind… you feel uncertain. So here’s the question no one asks: What happens when it’s time to actually use that money? In this lesson, we’ll unpack why 401Ks don’t provide real retirement security — and what smart retirees do instead to protect their wealth, create guaranteed income, and retire financially relaxed. What You’ll Learn: Why your 401K isn’t enough on its ownHow safe money strategies like annuities and whole life insurance build lifetime incomeWhat smart retirees do differently to avoid running out of money TIMESTAMPS 00:00 – The question no one asks: how do you turn savings into income? 01:00 – The real gaps in traditional 401K-based retirement planning 03:00 – Tax risks and long-term care: where 401Ks fall short 05:00 – Accumulation vs. Distribution: the missing phase in retirement education 07:00 – What smart retirees do differently: guaranteed income, safe money, longevity planning 09:00 – Fixed index annuities explained: protect your principal, create income for life 10:00 – Whole life insurance: tax-free income, long-term care benefits, and peace of mind 12:00 – The 4-step system to build your income plan 14:00 – Why we’ve never been taught this before — and why it matters now 16:00 – The #1 takeaway: your retirement plan isn’t complete without protected income 17:00 – What to do next: educate yourself, expand your strategy, and get the right expert help Show Links 📅 Want to Find Out More?: Schedule a Q&A Call 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: @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.
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    19 m
  • 6. Safety-First Retirement Planning: How to Build an Income Floor You Can Count On

    6. Safety-First Retirement Planning: How to Build an Income Floor You Can Count On
    May 7 2025
    Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: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 ///////////// True peace of mind in retirement doesn’t come from guessing—it comes from guaranteed income. In this episode of the Retirement Income School™, we explore one of the most important foundations of safe retirement planning — building your income floor. This is the core strategy behind the "safety-first" approach: making sure your essential expenses are covered by guaranteed income sources, no matter what the markets do. You’ll discover how to shift from a savings-based mindset to an income-based strategy, why predictable cash flow brings peace of mind, and how to calculate and close your own income gap using tools like Social Security, pensions, and annuities. Whether you’re planning for retirement or already there, this episode will give you the clarity and confidence to secure your financial foundation and enjoy the upside from there. Timestamps: 00:00 – Why true peace of mind comes from guaranteed income 00:45 – What an income floor is and why it matters 01:30 – The savings trap vs. income mindset 02:30 – Identifying your essential expenses 04:00 – Top sources of guaranteed income (Social Security, pensions, annuities) 06:00 – Example of building a $6K/month income floor 07:00 – What if you have no pension or annuity? 08:00 – How securing the floor unlocks upside potential 09:30 – Visualizing the Floor + Upside Pyramid 10:30 – Personalizing your plan based on age, health, and risk tolerance 11:30 – Step-by-step: Identify, calculate, determine the gap, and fill it 12:30 – Favorite solution: annuities with lifetime income riders 13:30 – Retirement paycheck mindset: 100% essential coverage for 30+ years 14:30 – Next steps: schedule a Q&A call and subscribe for more lessons Show Links 📅 Want to Find Out More?: Schedule a Q&A Call 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: @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.
    Más Menos
    15 m
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