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Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Written by: 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 Economics Leadership Management & Leadership Personal Finance Self-Help Success
Episodes
  • 45. Why the 4% Rule Falls Short (Dr. Wade Pfau Explains)

    45. Why the 4% Rule Falls Short (Dr. Wade Pfau Explains)
    Jul 16 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 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 mins
  • 44. Will Your Annuity Cover Your RMD at 73?

    44. Will Your Annuity Cover Your RMD at 73?
    Jul 9 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

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

    44. Will Your Annuity Cover Your RMD at 73?

    If you own an annuity inside an IRA, one of the biggest questions you'll face in retirement is whether it will satisfy your Required Minimum Distribution (RMD). The answer depends on the type of annuity you own.

    In this episode, Dr. Amanda explains how RMDs work beginning at age 73 (or 75 for some retirees), how they're calculated, and how different annuities—including MYGAs, Fixed Indexed Annuities (FIAs), and FIAs with income riders—handle RMDs. You'll also learn key RMD rules, aggregation strategies, and common mistakes to avoid so you can simplify your retirement income plan with confidence.

    Timestamps:

    00:00 – Will Your Annuity Cover Your RMD?
    01:00 – What Is an RMD? Age 73 & 75 Rules Explained
    02:20 – Which Retirement Accounts Require RMDs?
    03:00 – IRA, 401(k), 403(b), and Roth IRA RMD Rules
    06:00 – How to Calculate Your RMD Each Year
    07:00 – Understanding the IRS Uniform Lifetime Table
    09:00 – First-Year RMD Rules & Roth Conversion Timing
    10:00 – How MYGAs Handle RMDs
    11:45 – How Fixed Indexed Annuities (FIAs) Handle RMDs
    12:30 – $450,000 FIA RMD Example at Age 75
    14:00 – Three Ways to Take RMDs from an FIA
    15:00 – How Income Riders Can Automatically Cover Your RMD
    16:00 – QLACs: Delaying RMDs Until Later in Retirement
    17:00 – Comparing MYGAs, FIAs & Income Riders for RMDs
    18:00 – Final Takeaways & 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.
    Show More Show Less
    19 mins
  • 43. The 4th Bucket Strategy: Turn Home Equity into Retirement Income (with Don Graves)

    43. The 4th Bucket Strategy: Turn Home Equity into Retirement Income (with Don Graves)
    Jul 2 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 /////////////// 43. The 4th Bucket Strategy: Turn Home Equity into Retirement Income (with Don Graves) Most retirees spend decades building wealth in their 401(k)s, IRAs, investment accounts—and their homes. But when it comes time to create retirement income, many people overlook one of the largest assets they own: their home equity. In this episode of Retirement Income School, Dr. Amanda sits down with retirement housing wealth educator Don Graves to discuss The 4th Bucket Strategy and how today's FHA-insured reverse mortgage—known as a Home Equity Conversion Mortgage (HECM)—can be used as a proactive retirement planning tool instead of a last-resort financial product. You'll learn how the 4th Bucket can provide liquidity during market downturns, help reduce sequence of returns risk, support Roth conversion strategies, prepare for long-term care expenses, and create greater flexibility for retirement spending—all while dispelling many of the myths surrounding reverse mortgages. If you've never considered housing wealth as part of your retirement income plan, this conversation may change the way you think about one of your most valuable retirement assets. Don Graves Education Links:www.housingwealthmasterclass.comwww.HousingWealthCalculator.com www.HousingWealthInstitute.com/blogwww.YouTube.com/askdongraves www.Housingwealthinstitute.com/contact-us Timestamps: 00:00 Introduction 01:20 Meet Don Graves 02:18 What Is a HECM (Modern Reverse Mortgage)? 06:10 Understanding IJAM 09:40 Why Home Equity Is the "4th Bucket" 15:05 Using Housing Wealth as a Market Hedge 19:40 Long-Term Care Planning with Home Equity 23:15 Common Reverse Mortgage Myths 28:30 Wade Pfau's Research on Sequence Risk 31:05 Using a Reverse Mortgage for Roth Conversions 34:05 Why Every Retiree Should Know Their Housing Wealth Options 36:10 Using the 4th Bucket Alongside Annuities 38:20 Final Thoughts 📅 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.
    Show More Show Less
    39 mins
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