12. Annuities Explained: Rates, Fees & Why More Retirees Are Saying Yes

Like what you heard in this episode? Here's how I can help:1. Watch my free training 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 ///////////Most people have heard of annuities — but only 1 in 4 actually understand what they are. And that’s no accident. Annuities don’t generate the same fees as Wall Street investments, so most advisors don’t take the time to explain them. In this lesson, we’re changing that. Dr. Amanda breaks down the truth about annuities: how they work, what fees and rates you need to know about, and why more retirees are choosing them in 2025. You'll see how fixed and fixed indexed annuities offer principal protection, guaranteed income, and safe growth — all while helping you build your retirement income floor. Plus, you’ll get a real-world software walkthrough showing how a $200K annuity could produce $20K+ per year in guaranteed income for life. ⏱️ TIMESTAMPS: 0:00 – Why most people misunderstand annuities 1:00 – What annuities really are and where they came from 3:00 – How annuities help build your income floor 4:30 – Different types of annuities and when to use them 6:00 – Why annuities are growing in popularity in 2025 8:00 – How annuity rates work (caps, participation rates, and protection) 10:00 – Understanding fees (or lack of fees) in fixed and fixed indexed annuities 12:00 – Comparing annuities vs. market-based portfolios 14:30 – Case study: Turning $200K into $20K+ per year 18:00 – Long-term care riders, death benefits, and safety layers 21:00 – How state guaranty associations protect your annuity 22:00 – Recap and next steps to explore annuities in your plan 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 YouTubewww.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. AmandaEmail: [email protected]: 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.