Retirement Income School - Safe Money Solutions to Retire Financially Relaxed Titelbild

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Von: 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 Management & Leadership Persönliche Entwicklung Persönliche Finanzen Persönlicher Erfolg Ökonomie
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  • 23. Q&A: Annuities, LTC, Roth & Social Security Featuring Roy Snarr

    23. Q&A: Annuities, LTC, Roth & Social Security Featuring Roy Snarr
    Oct 8 2025

    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

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

    23. Q&A: Annuities, LTC, Roth & Social Security Featuring Roy Snarr

    In this Retirement Income School™ lesson, Dr. Amanda sits down with nationally recognized LTC and safe-money strategist Roy Snarr to show how annuities and long-term care planning work together. You’ll hear Roy’s personal “why,” what most retirees get wrong about LTC, and when to use MYGAs, FIAs with income riders, DIAs/SPIAs to build a guaranteed income floor. We also dig into asset-based LTC, tax-free benefits under the Pension Protection Act, Social Security timing, and how Roth conversions can be staged inside annuities to control taxes and IRMAA.

    Timestamps:
    00:00 — Welcome and why LTC + annuities belong in the same plan
    01:00 — Roy’s backstory and “safe money first” mission
    03:30 — The biggest retirement risk: extended care and what Medicare actually covers
    06:30 — How modern LTC works: traditional vs. asset-based vs. annuity/LTC benefits
    09:30 — Using annuities to build an income floor: MYGA, FIA + rider, DIA/SPIA basics
    12:30 — Inflation resilience: COLA options, indexing, and laddering strategies
    15:00 — Pension Protection Act strategy: repurposing old non-qualified annuities for tax-free LTC benefits
    17:30 — Coordinating Social Security timing with a guaranteed annuity paycheck
    19:30 — Roth conversions: using a MYGA/FIA as a safe staging area to manage brackets and IRMAA
    22:00 — Due diligence checklist: carrier strength, surrender schedule, rider costs, liquidity
    24:00 — Common myths and red flags in annuity/LTC proposals
    26:00 — Roy’s #1 takeaway: guarantee enough lifetime income to cover your fixed expenses
    28:30 — Wrap and next steps

    🔗 Show Links

    📅 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
    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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    30 Min.
  • 22. Retirement Income Paychecks & Playchecks | Tom Hegna #Annuities

    22. Retirement Income Paychecks & Playchecks | Tom Hegna #Annuities
    Sep 24 2025
    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/////////////// 22. Retirement Income Paychecks & Playchecks | Tom Hegna #Annuities In this episode of the Retirement Income School™, Dr. Amanda sits down with Tom Hegna — economist, author, and one of the most respected voices in retirement income planning. Together they discuss Tom’s books Paychecks and Playchecks and Don’t Worry, Retire Happy, covering the must-know strategies for creating guaranteed lifetime income, why longevity risk is “the mother of all risks,” and how to think about your go-go, slow-go, and no-go years. You’ll hear Tom explain why he personally owns 13 annuities, how annuity laddering can hedge against inflation, why life insurance is the most efficient way to pass wealth, and the four pillars of a financially relaxed retirement. 📚Purchase Tom Hegna's Books: Paychecks & PlaychecksDon't Worry Retire HappyWho Wants to Be a Millionaire Timestamps: 00:00 – Introduction & why Tom inspired Dr. Amanda’s work 02:00 – The “every day is Saturday” mindset in retirement 03:00 – Go-Go, Slow-Go, and No-Go years explained 04:00 – Why Tom owns 13 annuities and how he uses them 05:00 – Annuity laddering as an inflation hedge 06:00 – Research backing guaranteed lifetime income 08:00 – “Just in case” retirement vs. spending with confidence 09:30 – Why leave life insurance, not money, to your kids 11:00 – How much of your portfolio belongs in annuities 12:00 – Using whole life and Roth annuities for tax-free income 14:00 – IRMAA, Medicare premiums, and tax planning mistakes 15:00 – Insurance company safety and state protections 17:00 – Mortality credits: the “secret sauce” of annuities 19:00 – Why annuities often outperform bonds 20:00 – Understanding fees and spread products 23:00 – Longevity risk: the risk multiplier 25:00 – Seven steps to retire happy (book overview) 28:00 – Use your home equity wisely + wealth transfer with life insurance 29:00 – Tom’s takeaway: the four-step retirement formula 30:00 – Tom’s latest book for young adults: Who Wants to Be a Millionaire 🔗 Show Links 📅 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.comPhone: 1-866-444-2997LinkedIn: @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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    31 Min.
  • 21. Roth Conversion & Roth Blueprint: Strategies for IRA Millionaires

    21. Roth Conversion & Roth Blueprint: Strategies for IRA Millionaires
    Sep 10 2025

    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

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

    In this episode of Retirement Income School™, I sit down with Steve Hutchinson — creator of the Roth Blueprint software — to dive deep into Roth conversions. We cover why the 2018 tax law changes made conversions riskier, how phantom gains can devastate your retirement, why the 4% rule breaks down during conversion years, and how annuities can create stability and protect against losses. If you’re serious about building tax-free income in retirement, this lesson is a must-listen.

    Timestamps:
    0:00 – Welcome + Why Roth Conversions Are Hot Right Now
    1:00 – Meet Steve Hutchinson & The Roth Blueprint
    2:00 – Why Roths Provide Certainty in Uncertain Tax Futures
    3:00 – The $37 Trillion Debt Problem & The 8-Year Conversion Window
    5:00 – Why Steve Built Roth-Specific Software
    6:00 – The 4% Rule & Why It Fails During Conversions
    8:00 – Abigail vs. Melinda: Stable vs. Volatile Market Conversion Case Study
    12:00 – Sequence of Returns Risk Magnified in Conversions
    13:00 – The Phantom Gains Problem After TCJA 2018
    16:00 – Why You Can’t Afford Losses During Conversions
    17:00 – How Simplified Accumulation Annuities Create Safe Growth
    19:00 – Locking in Gains & Eliminating Downside Risk
    20:00 – Marginal Tax Bracket Management Explained
    22:00 – Converting Without Out-of-Pocket Costs
    24:00 – The Widow’s Penalty & Ease of Annuities in Roth Planning
    25:00 – Why Annuities Guarantee Tax-Free Lifetime Income
    27:00 – Why NOW Is the Roth Conversion Window of Opportunity
    28:00 – Closing Thoughts & How to Book a Roth Blueprint Call

    🔗 Show Links

    📅 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
    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.
    Mehr anzeigen Weniger anzeigen
    28 Min.
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