Couverture de Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

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 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 Direction Développement personnel Economie Finances privées Management et direction Réussite personnelle
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    Épisodes
    • 31. Roth vs Whole Life for RMD Planning (Start Before 73!)

      31. Roth vs Whole Life for RMD Planning (Start Before 73!)
      Feb 19 2026
      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 /////////////// 31. Roth vs Whole Life for RMD Planning (Start Before 73!) If you're asking at age 73 whether whole life can eliminate your RMDs… you might already be asking too late. In this episode of the Retirement Income School™, Dr. Amanda tackles one of the smartest — and most misunderstood — retirement planning questions: Can whole life eliminate RMDs like Roth conversions? The answer starts with a critical distinction: Eliminating RMDs is not the same thing as positioning early so RMDs never become overwhelming. You’ll learn why RMD planning is not a 73-year-old problem — it’s a 55-year-old opportunity — and how Roth conversions and whole life insurance serve very different strategic roles in your retirement income plan. This episode will help you understand: • The difference between elimination vs. repositioning strategies • Why timing changes everything • The risks of waiting until RMD age • When Roth conversions make more sense • When whole life may offer unique advantages • How layered planning creates tax, income, and legacy diversification If your IRA is growing faster than your tax strategy… this lesson is for you. Timestamps: 00:00 – If You’re 73, You May Already Be Late 01:00 – The Wrong Premise Behind the RMD Question 02:00 – Whole Life vs Roth: Key Distinction 03:30 – Why RMD Planning Starts at 55, Not 73 04:30 – What Happens If You Wait Until 73 05:30 – The 55–65 Planning Advantage 06:45 – Elimination vs Repositioning Strategies 08:00 – Why Whole Life Requires Early Planning 09:00 – What Whole Life Does NOT Do 10:00 – When Roth Makes More Sense 11:00 – When Whole Life Makes More Sense 12:00 – The Layered Strategy: Not Either/Or 13:00 – The Real Question About RMD Planning 14:00 – How to Take Control Early 📅 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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      15 min
    • 30. Why Retirement Is Emotional — Not Just Financial

      30. Why Retirement Is Emotional — Not Just Financial
      Feb 5 2026

      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

      ///////////////

      30. Why Retirement Is Emotional — Not Just Financial

      In this special lesson of Retirement Income School™, Dr. Amanda shares a more personal side of her journey and explains why retirement planning is about more than numbers on a spreadsheet.

      From being a single-mom in grad school with financial stress, to helping her mom navigate retirement after losing her father, Dr. Amanda reveals how those experiences shaped her inspiration for retirement income planning and safe money strategies. You’ll learn why even retirees with millions saved often feel anxious, what truly creates peace of mind in retirement, and why guaranteed income can change how retirement feels.

      This episode connects real-life experience with powerful research showing that retirement confidence is built on certainty, income, and trust — not just asset size.

      If you’ve ever wondered why retirement still feels stressful even when “the math works,” this lesson is for you.

      Timestamps

      00:00 – Why this lesson is different & welcome to Retirement Income School™
      01:00 – Dr. Amanda’s personal backstory and why security matters
      02:15 – From food stamps to financial planning: why income became the focus
      03:30 – Why “retire financially relaxed” is the real goal
      05:15 – Common fears retirees experience (even with large portfolios)
      06:30 – The real problem: lack of certainty, not lack of assets
      08:10 – Why retirees struggle with spending and decumulation
      09:30 – Why annuities and pensions change retirement behavior
      10:15 – BlackRock research on guaranteed lifetime income
      BlackRock Article Link
      12:00 – Market volatility, sequence of returns, and retirement stress
      13:45 – Longevity risk and why income matters more as we age
      15:30 – How guaranteed income reduces fear, stress, and bad decisions
      17:00 – The real goals of retirement income planning
      18:15 – Retirement planning as a relationship, not a transaction
      19:15 – Why Retirement Income School™ exists
      20:00 – Invitation to book a Retirement Income Q&A Call
      20:45 – Final thoughts & subscribe reminder

      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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      20 min
    • 29. Roth Conversion Blueprint for an $850K TSP (Live Demo)

      29. Roth Conversion Blueprint for an $850K TSP (Live Demo)
      Jan 22 2026
      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/////////////// 29. Roth Conversion Blueprint for an $850K TSP (Live Demo) If you’re a federal employee or retiree with a sizable Thrift Savings Plan (TSP), this episode is designed to help you understand how TSP taxes actually work in retirement. The TSP is excellent at helping you save during your working years, but it doesn’t help you decide when and how that money gets taxed once you retire. That’s where many people get surprised. In this lesson, I’ll walk you through TSP 101, explain where tax challenges tend to show up in retirement, and then take you through a live demo showing how a Roth conversion plan may be structured for an $850,000 TSP using the Roth Blueprint™. This is an educational walkthrough designed to help you understand the process, considerations, and trade-offs involved in Roth conversion planning — not a one-size-fits-all solution. Timestamps 00:00 – Intro: Why TSP taxes surprise retirees 01:00 – What the TSP is designed to do (accumulation vs planning) 01:45 – The three retirement phases: accumulation, tax planning, distribution 02:45 – Why large TSP balances create challenges in retirement 03:30 – RMDs, IRMAA, and the survivor tax issue 04:10 – 2026 update: Roth conversions inside the TSP 05:00 – Why Roth conversion planning is often done outside the TSP 05:50 – Why Roth-friendly annuities are used in this example 07:10 – Case study: Sam & Sally Sample (profile overview) 08:40 – Conversion goals and planning considerations 10:50 – Live Roth Blueprint™ software walkthrough begins 12:40 – Paying conversion taxes externally vs internally 15:30 – Comparing outcomes: bonus vs non-bonus annuity strategies 18:30 – Why Roth conversion planning is highly individualized 19:45 – Key educational takeaways 20:30 – How to get your own Roth conversion analysis 21:00 – Final thoughts & 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.comLinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda 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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      21 min
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