Abrams Insurance Solutions, Inc.

10/16/2026

Only 61% of workers now say they're confident they'll have enough money to live comfortably throughout retirement.

That number from the latest Benefit Research Institute Retirement Confidence Survey caught my attention.

But what interests me even more is why confidence is falling

It's not just investment returns. People are thinking about inflation, debt, healthcare, housing costs, Social Security, and whether the money they've accumulated will actually support the retirement they want.

That's why I think retirement planning has to go beyond asking: “How much have I saved?”

A better question is: “What will my savings actually need to do for me?”

Income. Taxes. Healthcare. Inflation. Longevity. Unexpected expenses.

The account balance matters. But what that balance can realistically support matters more.

I'm curious: What creates the most uncertainty for you when you think about retirement?

10/15/2026

Greetings from the Allianz Life corporate office in Minneapolis!

Thank you, Allianz Life, for inviting me to your headquarters. It’s always inspiring to dive deep into the latest products and strategies designed to help clients build tax-free wealth and create lifelong retirement income...all without market risk.

In fact, I believe so strongly in these solutions that I’ve had my own Allianz policy for 15 years now. If you've ever wondered how these policies actually perform over the long haul, you can take a look at my personal policy results and see why I own one: https://abramsinc.com/iul-returns/

Here’s to smart planning, secure futures, and lifelong financial peace of mind!

10/14/2026

"True wealth is not having the biggest house or the most expensive car. It is having enough money to live comfortably while being free to choose how you spend your time, who you work with, and the life you want to live. In the end, time and freedom are the greatest forms of wealth." — Warren Buffett

In a world that often measures success by titles, production, and material growth, this quote is a great reminder of what the end goal really is.

True career success isn't just about climbing higher. It's about building the autonomy to control your schedule, work on meaningful projects, and choose the people you collaborate with.

How do you define "true wealth" in your career journey?

🔥 Start learning with free stuff we’ve prepared for you 👉https://be...

10/13/2026

Most people don’t actually want a luxury lifestyle. They want an unhurried one.

When you dig beneath the desire for "more," it’s rarely about flashy cars or status. It’s about:

Drinking coffee without checking the clock.

Taking a walk in the middle of the workday without feeling like you’re stealing time.

Being fully present with family without a mental checklist running in the background.

But when you’ve been conditioned to measure your worth by output, rest feels unearned unless it's backed by extreme achievement. So the goalpost keeps moving—not because you need more money, but because you're still waiting for permission to pause.

Real freedom isn't just financial security. It's giving yourself permission to live without constant justification.

10/09/2026

One of the biggest shifts in financial planning happens when you stop asking:
“Which investment should I buy?”

And start asking:
“What does my money need to accomplish?”

Some money needs to grow.
Some needs to be accessible.
Some needs to create future income.
Some needs to protect against risks you can't afford to take yourself.

And some needs to be positioned with taxes in mind.

No single account or investment is designed to do all of those things particularly well.

That's why I believe the real work of financial planning is coordination.

The individual pieces matter. But how they work together matters more.

Have a great weekend!

10/08/2026

If you're running a business in your late 30s or 40s, select your official midlife crisis:

📌Buying a $1,200 standing desk with memory settings that you’ve sat at for 4 consecutive years

📌Announcing on Monday morning that you’re “stepping back to focus on vision,” then personally fixing a website typo by 10:15 AM

📌Opening Slack at 11:30 PM to “just drop a quick thought,” ruining your sleep AND your team’s peace of mind

📌Paying a business coach $5k a month to tell you to "delegate more," while you manually approve a $40 expense report

📌Buying a Garmin or Oura ring to track your stress, then getting stressed about your high stress score

📌Telling your spouse “things will calm down after this product launch” for the 7th year in a row

Pick your poison.😅

What else belongs on the official list?

10/07/2026

A few years ago, I had a client I’ll call David.

David worked incredibly hard, lived below his means, and diligently built an impressive nest egg. He was a perfect planner.

He spent thirty years deferring his dreams of major travel, telling me at every annual review, "We'll do the big Europe trip after the kids are out of college," then, "once I finally retire."

He retired at 65, healthy and excited. He and his wife spent six months planning the journey of a lifetime.

The week before they were set to leave, David received a sudden diagnosis that grounded them.

He never got to take that trip. He never got to take that trip. The money was there, the plan was solid, but time ran out.

David’s story reminds us that we are not just planning for "retirement." We are planning for a life that must be lived along the way.

As a financial planner, I focus on responsible, long-term security. But saving responsibly and enjoying your life today shouldn't be mutually exclusive.

Your income should fund two non-negotiable goals: building your future safety and funding your present joy.

If you're constantly waiting for the "perfect season" or a later version of yourself to finally start making memories, you're betting on a timeline nobody can guarantee.

Build a strong foundation for tomorrow, yes, but make sure you take the trip, spend the time, and enjoy the fruits of your hard work today.

P.S. I promise the sunset in the background of this photo wasn't a green screen. Costa Rica really just looks like that! 😉

10/05/2026

One thing I've learned after helping many people make financial decisions is that the plan you create today probably won't be the exact plan you need 10 years from now.

And that's okay.

Careers change. Families change. Businesses grow. Priorities shift. Sometimes the goals we thought would matter at 40 look very different when we're 50 or 60.

That's why I don't think a good financial plan should lock someone into one vision of the future.

It should give them enough structure to make progress today and enough flexibility to adjust when life inevitably changes.

I've seen people become so focused on creating the "perfect" financial plan that they forget something important:

We're planning for a future we can't completely predict.

The goal isn't perfection. It's putting yourself in a position where you have choices when life changes.

What's something you thought would be important to you 10 years ago that you look at completely differently today?

10/02/2026

Net worth is probably the most overrated number in personal finance.

It’s useful. But it doesn’t tell the whole story.

Two people can have the exact same net worth and be in completely different financial positions.

One may have strong cash flow, accessible capital, multiple tax buckets and plenty of flexibility. The other may have most of their wealth tied up in assets they can’t easily access without selling, borrowing or triggering taxes.

Same net worth. Very different financial picture.

That’s why I think the better question to ask is: “How well is my wealth actually working for me?”

I’m going deeper into this idea next week.

What number do you use to measure your own financial progress?

10/02/2026

Great time attending the Simplicity Leveraged Life Symposium in !

Thank you, Simplicity Group, for having me. It was a great opportunity to dive deeper into advanced estate planning strategies for HNW business owners and wealthy global citizens, focusing on tax minimization and efficient wealth transfer for future generations.

Looking forward to bringing these actionable solutions back to our clients.