Your 401(k) Needs a Retirement Income Plan | Dr. Amanda Barrientez

What happens the day your 401(k) statement stops going up and starts having to fund your life? That question sits at the center of this week's Safe Money Radio, host Brett A. Blake sits down with Dr. Amanda Barrientez, PhD, RICP®, RSSA®, IBC® Practitioner, founder of Retirement Solutions Financial™ and creator of Retirement Income School™. Dr. Amanda works with pre-retirees on a truth many people learn too late: a savings plan is one thing, a retirement income plan is another. Together, they walk through why safe money starts as a feeling before it becomes a number, how Required Minimum Distributions may reshape a retiree's tax picture, why sequence-of-returns risk changes the rules after 60, and why a paycheck that covers essentials may matter more than a portfolio balance. What you will learn: Why safe money is a feeling before it is a number The role a retirement income specialist may play alongside an accumulation advisor How Roth conversions may reduce future RMD pressure Why some retirees with millions still worry about running out What a decumulation plan actually looks like Want to take the next step? Run your own numbers with the free WIYN calculator at brettblake.annuity.com, which takes about three minutes. Ready to talk it through? Book a Retirement Clarity Session with Brett. No obligation, no pressure. Brett is a licensed insurance agent and may recommend an annuity if it fits. Worry Less. Live Longer. About the host Brett A. Blake is the host of Safe Money Radio and CEO of Annuity.com, Inc. Brett is 58, a Harvard MBA who says his degree taught him almost nothing about retirement income. Before Annuity.com he built a nearly $1B business, starting near $50M. He lives in Gilbert, Arizona with wife Erin, five children, and three grandchildren. Brett is a licensed insurance agent, not a CPA or tax attorney. About the guest Dr. Amanda Barrientez, PhD (Sociology, CU Boulder), RICP®, RSSA®, IBC® Practitioner, is founder of Retirement Solutions Financial™ and creator of Retirement Income School™. A former academic, she is an insurance-only licensed agent focused on retirement income, Roth conversions, and safe money solutions. Her work helps pre-retirees turn savings into a paycheck. Not a CPA or tax attorney. Follow or Subscribe to Safe Money Radio Podcast on your favorite platforms: Website: https://safemoneyradio.com YouTube: https://www.youtube.com/@safemoneyradiopodcast Spotify: https://open.spotify.com/show/033YvB7zhBi76JCSaA3Kld Facebook: https://www.facebook.com/profile.php?id=61590329635200 Instagram: https://www.instagram.com/safemoneyradiopodcast/ TikTok: https://www.tiktok.com/@safemoneyradiopod X: https://x.com/safemoney_radio LinkedIn: https://www.linkedin.com/company/safemoneyradio-podcast/home/ Follow Brett A. Blake: LinkedIn: https://www.linkedin.com/in/brettblake/ Retirement tools: https://brettblake.annuity.com/ Email: brett.blake@annuity.com Follow Dr. Amanda Barrientez (Founder, Retirement Solutions Financial™): LinkedIn: https://www.linkedin.com/in/retirementincomeschool/ Website: https://www.retirementsolutionsfinancial.com/ Retirement Income School: http://www.retirementincome.school/ YouTube: https://www.youtube.com/@RetirementIncomeSchool #SafeMoneyRadio #RetirementIncome #Annuities #Retirement #RothConversion #RMD #401k #RetirementPlanning #GuaranteedIncome #SafeMoney #RetirementIncomeSchool #WorryLessLiveLonger DISCLAIMER: Safe Money Radio is for educational purposes only and does not constitute investment, tax, or legal advice. Products discussed may not be appropriate for everyone and may be subject to state availability and individual suitability. Always consult a licensed professional before making retirement, tax, or insurance decisions. Any guarantees discussed are backed by the claims-paying ability of the issuing insurance company. Guarantees are not government-backed or provided by Annuity.com, Inc. By submitting your information through any Safe Money Radio call to action, you consent to be contacted by a licensed insurance agent about products and services that may include annuities. Annuity.com, Inc. and Brett A. Blake are compensated through commissions and other consideration paid by insurance carriers on policies sold. Neither is a fee-only advisor. Brett is a licensed insurance agent, not a CPA or tax attorney. Annuity.com, Inc. NPN 21086345. CA License No. 6013124 (operating as Annuity.com Insurance Marketing). NY License No. LA-1860109 (operating as Annuity.com Insurance Solutions). GUEST DISCLOSURE: Dr. Amanda Barrientez is a podcast guest appearing in her individual professional capacity as founder of Retirement Solutions Financial™. Her appearance does not constitute a partnership, affiliation, endorsement, or joint offering with Annuity.com, Inc. or Safe Money Radio.

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Description:

What happens the day your 401(k) statement stops going up and starts having to fund your life?

That question sits at the center of this week's Safe Money Radio, host Brett A. Blake sits down with Dr. Amanda Barrientez, PhD, RICP®, RSSA®, IBC® Practitioner, founder of Retirement Solutions Financial™ and creator of Retirement Income School™. Dr. Amanda works with pre-retirees on a truth many people learn too late: a savings plan is one thing, a retirement income plan is another.

Together, they walk through why safe money starts as a feeling before it becomes a number, how Required Minimum Distributions may reshape a retiree's tax picture, why sequence-of-returns risk changes the rules after 60, and why a paycheck that covers essentials may matter more than a portfolio balance.

What you will learn:

  • Why safe money is a feeling before it is a number

  • The role a retirement income specialist may play alongside an accumulation advisor

  • How Roth conversions may reduce future RMD pressure

  • Why some retirees with millions still worry about running out

  • What a decumulation plan actually looks like

Want to take the next step?
Run your own numbers with the free WIYN calculator at brettblake.annuity.com, which takes about three minutes.

Ready to talk it through?
Book a Retirement Clarity Session with Brett. No obligation, no pressure. Brett is a licensed insurance agent and may recommend an annuity if it fits.

 Worry Less. Live Longer. 

About the host  

Brett A. Blake is the host of Safe Money Radio and CEO of Annuity.com, Inc. Brett is 58, a Harvard MBA who says his degree taught him almost nothing about retirement income. Before Annuity.com he built a nearly $1B business, starting near $50M. He lives in Gilbert, Arizona with wife Erin, five children, and three grandchildren. Brett is a licensed insurance agent, not a CPA or tax attorney.

About the guest  

Dr. Amanda Barrientez, PhD (Sociology, CU Boulder), RICP®, RSSA®, IBC® Practitioner, is founder of Retirement Solutions Financial™ and creator of Retirement Income School™. A former academic, she is an insurance-only licensed agent focused on retirement income, Roth conversions, and safe money solutions. Her work helps pre-retirees turn savings into a paycheck. Not a CPA or tax attorney.

Follow or Subscribe to Safe Money Radio Podcast on your favorite platforms:

Follow Brett A. Blake:

Follow Dr. Amanda Barrientez (Founder, Retirement Solutions Financial™):

#SafeMoneyRadio #RetirementIncome #Annuities #Retirement #RothConversion #RMD #401k #RetirementPlanning #GuaranteedIncome #SafeMoney #RetirementIncomeSchool #WorryLessLiveLonger

 DISCLAIMER: 

Safe Money Radio is for educational purposes only and does not constitute investment, tax, or legal advice. Products discussed may not be appropriate for everyone and may be subject to state availability and individual suitability. Always consult a licensed professional before making retirement, tax, or insurance decisions.

Any guarantees discussed are backed by the claims-paying ability of the issuing insurance company. Guarantees are not government-backed or provided by Annuity.com, Inc.

By submitting your information through any Safe Money Radio call to action, you consent to be contacted by a licensed insurance agent about products and services that may include annuities.

Annuity.com, Inc. and Brett A. Blake are compensated through commissions and other consideration paid by insurance carriers on policies sold. Neither is a fee-only advisor. Brett is a licensed insurance agent, not a CPA or tax attorney.

Annuity.com, Inc. NPN 21086345. CA License No. 6013124 (operating as Annuity.com Insurance Marketing). NY License No. LA-1860109 (operating as Annuity.com Insurance Solutions).

GUEST DISCLOSURE:

Dr. Amanda Barrientez is a podcast guest appearing in her individual professional capacity as founder of Retirement Solutions Financial™. Her appearance does not constitute a partnership, affiliation, endorsement, or joint offering with Annuity.com, Inc. or Safe Money Radio.

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Safe Money Radio is produced by Annuity.com, Inc. Through Annuity.com, consumers may connect with licensed insurance professionals who can discuss retirement income options from multiple carriers, subject to state availability and individual suitability.

DISCLAIMER

Safe Money Radio is for educational purposes only and does not constitute investment, tax, or legal advice. Products discussed may not be appropriate for everyone. Always consult a licensed professional before making financial decisions. Product availability varies by state. Full disclosures at safemoneyradio.com.

Licensed agents affiliated with this show are licensed to sell insurance products, including products that provide guaranteed retirement income based on the financial strength of the issuing insurance company. Guarantees are not government-backed or provided by Annuity.com, Inc. Annuity.com, Inc. is a licensed insurance agency. National Producer Number (NPN): 21086345. Licensed in all states where required by law. Doing business in Florida and California as “Annuity.com Insurance Marketing,” CA License No. 6013124. In New York, licensed as Annuity.com Insurance Solutions, License No. LA-1860109.

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