『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 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 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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  • 19. Roth Conversion Case Study for IRA Millionaires

    19. Roth Conversion Case Study for IRA Millionaires
    2025/08/13

    Like what you heard in this episode? Schedule a Q&A Call:
    🗓️ 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

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

    Sally retired at 65 with a $1M IRA and felt proud—until she realized how much the IRS could eventually claim. In this lesson, I walk through her real case using my Roth Blueprint software to show how a smart, staged Roth conversion can protect your wealth, reduce future RMDs, and head off IRMAA surprises. You’ll also learn what the OBBBA tax brackets mean for planning and why rising national debt matters for IRA millionaires.

    Timestamps:
    00:00 — $1M IRA and the “tax time bomb”
    01:05 — Why consider a Roth conversion now (OBBBA update)
    03:10 — National debt and why IRA millionaires are exposed
    05:15 — Case study setup: Sally (65, MFJ, AGI $150k, $1M IRA)
    06:45 — Live software walkthrough: guardrails and bracket choices
    10:30 — Year-by-year conversion path and tax impact
    12:40 — IRMAA tradeoffs vs long-term RMD relief
    14:20 — Pairing Roth with A-rated annuities for safety
    16:00 — How to take the next step with your own plan

    Other Episode Referenced: 17. Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps

    🔗 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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    20 分
  • 18. IRMAA: The Hidden Medicare Tax That Can Shrink Your Retirement Income

    18. IRMAA: The Hidden Medicare Tax That Can Shrink Your Retirement Income
    2025/07/30

    Like what you heard in this episode? Schedule a Q&A Call:
    1. 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

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

    IRMAA might sound like just another government acronym — but it’s a hidden cost that can quietly drain thousands from your retirement income. It’s based on your income, deducted from your Social Security check, and it increases your Medicare premiums without ever being called a tax.

    In this episode, I explain:

    • What IRMAA is and how it’s calculated

    • The triple compounding effect that makes it so dangerous

    • And how Roth conversions, whole life insurance, and income planning can help you avoid it altogether

    If you’re thinking about how to protect your income in retirement, this lesson is a must-listen.

    ⏱ TIMESTAMPS

    00:00 – What IRMAA really is and why it’s called a stealth tax
    01:00 – How IRMAA is calculated and which income sources count
    03:00 – 2025 IRMAA income brackets (Married Filing Jointly)
    04:00 – The real cost of IRMAA for high-income couples
    05:00 – The triple compounding effect: how IRMAA grows over time
    06:30 – Roth conversions, whole life, and how to reduce surcharges
    07:30 – Why planning early makes all the difference
    08:00 – How to get personalized help with your income strategy

    🔗 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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    9 分
  • 17. Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps

    17. Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps
    2025/07/23
    Like what you heard in this episode? Here's how I can help:1. Watch my free trainings 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/////////////// If you’ve saved $1 million or more in a traditional IRA — congratulations. But here’s the hidden truth: the IRS has already planned how and when they’ll collect taxes on that money. It’s called a Required Minimum Distribution (RMD), and once it starts at age 73 or 75, it triggers a tax chain reaction that could quietly cost you hundreds of thousands over your lifetime — and leave your heirs with a massive tax bill. In this episode, Dr. Amanda breaks down the six costly consequences of RMDs and explains why high-net-worth retirees should seriously consider a Roth conversion strategy before the RMD train leaves the station. You'll also learn how her Roth Conversion Blueprint™ can help you convert strategically — with no out-of-pocket tax costs, no account shrinkage, and no jumping tax brackets. ⏱️ TIMESTAMPS: 00:00 – The IRS already has a plan for your IRA 01:00 – What RMDs are and how to calculate them 02:30 – Chain Reaction #1: Higher taxes every year 03:40 – Chain Reaction #2: Up to 85% of your Social Security gets taxed 04:50 – Chain Reaction #3: Medicare IRMAA surcharges 06:15 – Chain Reaction #4: Loss of tax deductions and credits 07:20 – Chain Reaction #5: The Widow’s (or Widower’s) Penalty 08:10 – Chain Reaction #6: Your heirs inherit a tax time bomb 09:00 – Recap of all 6 chain reactions 10:00 – Why a Roth conversion may be your best defenseListen to this Episode: 16. Roth Conversion Deadline: Why 2025–2028 Could Save You Thousands 11:00 – How Roth-friendly annuities and strategic planning eliminate RMDs 13:00 – How to get your personalized Roth Conversion Blueprint™ 🔗 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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    14 分
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