Retirement Key Radio: Recent Episodes
Abe Abich
In 2003 Abe Abich’s passion for creating financial solutions for clients began. He founded Abich Financial Services to focus on educating people about their retirement income options, and to ultimately help his clients achieve the retirement they’ve worked so hard for.
Are you overlooking retirement planning opportunities simply because it’s not the end of the year? On this episode, Abe Abich discusses why a mid-year financial checkup can be an important part of staying on track. He covers retirement contribution limits, managing excess cash, reviewing spending and income plans, evaluating tax opportunities, checking Social Security records, and updating beneficiary and estate planning documents. Abe explains how regular reviews can help align your retirement strategy with changing goals, market conditions, and life events before year-end deadlines arrive.
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What if the keys to a stronger retirement plan have nothing to do with chasing the latest investment trend? From this past weekend’s radio show, Abe Abich explains why retirement fundamentals still matter most. He discusses the five pillars of retirement planning, turning savings into income, overcoming the fear of spending in retirement, planning for healthcare and unexpected expenses, and revisiting common retirement rules that may no longer apply. Abe also shares real-world examples of how retirees can focus on income, taxes, risk management, and long-term planning rather than reacting to headlines.
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Could a former spouse’s Social Security record impact your retirement income options? In this episode, Abe Abich discusses Social Security benefits for divorced individuals, including who may qualify, key eligibility requirements, how claiming benefits affects an ex-spouse, and what happens if an ex-spouse has not yet filed. He also explores survivor benefits and common misconceptions that can lead people to overlook available options. Learn about the rules surrounding divorced spouse benefits and why understanding them can be an important part of retirement planning.
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Could your retirement plan be taking more risk or creating more taxes than you realize? From this past weekend’s radio show, Abe Abich discusses why investors nearing retirement should be cautiously optimistic during market highs, the importance of a mid-year financial review, and how retirement planning differs from the accumulation years. He also explains common 401(k) misconceptions, withdrawal strategies, tax considerations, and ways retirees can evaluate income, protection, and diversification as they transition into retirement.
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Could the biggest retirement mistake be feeling like you need to do something? In this episode, Justin Dobak explores the “do something reflex” and why market headlines, volatility, and uncertainty can push retirees toward costly decisions. Learn how emotional reactions, moving to cash, and constant portfolio tinkering can impact a long-term strategy, and why sticking to a well-designed plan may be more important than chasing short-term moves. The conversation focuses on maintaining perspective, managing retirement risks, and understanding how a disciplined approach can help support long-term goals.
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Could claiming Social Security at the wrong time cost you more than you realize? On this episode, Abe Abich answers five of the most common questions about Social Security spousal benefits, including who qualifies, how much a spouse may receive, how working can affect benefits, whether delaying increases payments, and what happens when a spouse passes away. Abe also explains key timing considerations and common misconceptions that can impact retirement income decisions.
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Could a tax surprise be waiting for you in retirement? On this episode from this past weekend’s radio show, Abe Abich explains why tax planning shouldn’t begin and end on April 15th. He discusses common reasons retirees may owe more in taxes than expected, including Social Security taxation, required minimum distributions, and inherited IRAs. Abe also explores buffered ETFs and structured notes, highlighting how some investors use these tools when seeking a balance between growth potential and risk management. Plus, hear real-world retirement planning examples and the importance of having a strategy that looks beyond tax filing season.
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Why do smart retirees make costly financial decisions when stress takes over? Ryan Oliver explores the emotional side of retirement, from market volatility and identity shifts to the urge to tinker with a long-term plan during uncertain times. He discusses common mistakes retirees make under pressure, why the early years of retirement can be especially challenging, and the value of having guardrails in place before stress arrives. Learn how preparation, structure, and confidence can help keep emotions from driving important financial decisions
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Should retirees chase the next big IPO, or stay focused on the plan they've spent decades building? In this episode from this past weekend's radio show, Abe Abich discusses the excitement around high-profile investments like SpaceX, the risks of chasing market trends, and why a personalized retirement strategy matters. He also explores the "one more year" retirement mindset, retirement income planning, and the importance of tax diversification. Learn how investment decisions, income sources, and tax strategies can work together to support a more organized transition into retirement.
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Could the timing of market returns have a bigger impact on your retirement than the returns themselves? In this episode, Justin Doback explains sequence of returns risk and why early market declines can affect retirement income differently than downturns later in retirement. He discusses real-world examples, common mistakes retirees make, and strategies designed to help manage withdrawals during volatile markets. Learn why diversification, distribution planning, and balancing growth with principal protection are important considerations when building a retirement income strategy.
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Thinking about retiring early? The real trade-offs may be bigger than you expect. Abe Abich breaks down three key areas to evaluate before making the jump: defining what you’re retiring to, understanding the financial realities of a longer retirement timeline, and building an income strategy that adapts to change. He also explores how part-time work or phased retirement can help maintain structure and support income. If early retirement is on your radar, this conversation highlights factors worth considering before making a decision.
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What if trying to hit financial “home runs” is actually hurting your retirement plan? From this past weekend’s radio show, Abe Abich explains why a “singles and doubles” approach—steady, consistent decisions—can shape a more stable retirement strategy. The episode explores the risks of emotional investing, the importance of staying invested through market swings, and how overlooked “slow leak” expenses can gradually impact savings. Abe also shares real client scenarios to highlight the value of building a clear income plan designed to handle both expected needs and life’s surprises.
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Is the 4% rule still relevant—or quietly outdated? Abe Abich explores how today’s economic conditions have reshaped this long-standing retirement guideline. While the rule can still serve as a starting point, updated research suggests a wider range and greater emphasis on flexibility. From lower expected returns and inflation concerns to longer retirements, Abe breaks down why a static withdrawal strategy may fall short. Learn how adapting withdrawals, building income sources, and adjusting spending over time can better align with modern retirement planning.
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Are today’s booming markets flashing warning signs from the past? In this episode from this past weekend’s radio show, Abe Abich breaks down comparisons between today’s market surge and historical downturns, and what that could mean for those nearing or in retirement. He highlights the importance of staying cautious during strong market runs, rethinking Roth conversion strategies beyond simple projections, and preparing for potential tax changes. The conversation also covers building flexible retirement income plans designed to adapt to market swings, inflation, and evolving personal goals.
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Is your portfolio more cluttered than you realize? In this episode, Abe Abich outlines four steps to help simplify and organize your investment accounts. The conversation covers consolidating scattered 401(k)s and IRAs, identifying overlapping holdings, considering tax implications when making changes, and maintaining a clear plan moving forward. Abe explains how multiple accounts can create inefficiencies and why regular reviews and a streamlined approach can keep your strategy aligned over time.
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Is the market acting more like a casino than a place to invest? In this episode from this past weekend’s radio show, Abe Abich shares the story behind his 50-mile charity run before shifting to today’s investing environment and what it may mean for those nearing retirement. The conversation covers Warren Buffett’s recent comments, why guardrails matter in a retirement strategy, and how income planning goes beyond simple math. Abe also walks through real client scenarios to highlight how organization, diversification, and distribution planning can shape retirement decisions.
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Thinking about retiring early—do you know the key ages that could shape your entire strategy? In this episode, Abe Abich walks through the six critical retirement milestones that influence when and how you access income. From the Rule of 55 to Social Security timing and Medicare eligibility, the discussion highlights how each age can affect taxes, benefits, and long-term planning. Abe explains how these decision points connect and why understanding them can help you better prepare for the transition into retirement.
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What really causes investors to make the wrong move at the worst time—logic or emotion? In this episode from this past weekend’s radio show, Abe Abich breaks down how behavior and market volatility can impact retirement decisions. The conversation explores shifting from growth to income, managing risk as retirement approaches, and why having a clear plan matters. Abe also highlights common challenges like scattered accounts, tax planning gaps, and preparing for both market gains and downturns, offering insight into building a more structured approach to retirement income.
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Is your portfolio really the problem—or is it your income plan? This episode explores why retirement stress is often tied to how income is structured, not just market performance. Justin Doback breaks down the difference between building wealth and turning it into reliable cash flow, highlighting key decisions like withdrawal strategy, tax efficiency, and income timing. The conversation also covers sequence of returns risk and why relying on one income source can create challenges during market swings.
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Is $100,000 no longer enough to feel financially secure—and what does that mean for retirement? In this episode, Abe Abich breaks down five common retirement income mistakes that can impact long-term plans, from underestimating healthcare costs to overlooking taxes and inflation. He explains why expenses often rise early in retirement, how long-term care is frequently misunderstood, and why relying on general rules of thumb can fall short. The conversation highlights the importance of aligning income strategies with individual goals and understanding the factors that shape retirement spending over time.
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What does it take to build success when your last name already carries expectations? Abe Abich sits down with Donald Trump Jr. for a conversation on work ethic, unconventional career paths, and lessons learned from growing up in a high-pressure environment. They discuss how early hands-on experience shaped business instincts, how perspectives on work have evolved, and why passion plays a key role in long-term success. The conversation also touches on market sentiment and how broader economic changes may take time to unfold.
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What if the biggest threat to your retirement isn’t how the market performs—but when it performs? In this episode, Abe Abich breaks down sequence of returns risk and why early losses in retirement can have lasting effects. He explains how withdrawing income during market downturns can create long-term challenges, especially in the first few years. The conversation also highlights the role of balancing growth with stable income sources and why having a plan in place may help reduce emotional decision-making during volatile markets.
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The retirement playbook changes fast—are you prepared for what comes next? In this episode from this past weekend’s radio show, Abe Abich breaks down the critical shift from saving for retirement to generating income in retirement. He explains how “phase two” planning differs from accumulation, what to look for when choosing a financial advisor, and why tax strategies like Roth conversions may matter in your 60s. The conversation also highlights sequence of returns risk and how market timing can impact withdrawals. If retirement is near or already here, this episode outlines key considerations to evaluate your approach.
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Is there really a “sweet spot” for Roth conversions—or is it more personal than that? In this episode, Abe Abich breaks down when Roth conversions may make sense, especially during lower-income years before Social Security and required distributions begin. He also highlights common mistakes, including doing conversions without proper tax planning, and explains why coordinating with financial and tax professionals matters. The conversation focuses on understanding timing, tax impact, and how these decisions fit into a broader retirement strategy.
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Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement
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Headlines are loud, markets are volatile—but should your retirement strategy react? In this episode from this past weekend’s radio show, Abe Abich breaks down why focusing on long-term planning matters more than chasing short-term market moves. He explains the risks of trying to time the market, shares real client scenarios around portfolio allocation and retirement readiness, and highlights the importance of having a clear income strategy. The conversation also touches on financial literacy gaps, especially for women, and why understanding your plan is just as important as building wealth.
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Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement
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Just because a retirement strategy worked for someone else doesn’t mean it fits your life. In this episode, Ryan Oliver explains why copying advice from friends, family, or coworkers can quietly throw a retirement plan off track. The conversation explores common “sounds-smart” ideas—like Roth conversions, dividend-only investing, or paying off all debt—and why context matters. Ryan breaks down the personal variables that should guide decisions, including taxes, income needs, and risk tolerance, and shares smarter ways to evaluate advice before acting on it.
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Wild market swings, concentrated stock bets, and no clear game plan—these are the money mistakes that tend to repeat themselves. From this past weekend’s radio show, Abe Abich breaks down common retirement missteps he sees every day, including staying too aggressive too long, chasing returns, and holding too much in a single stock. Using real-world scenarios, the conversation highlights why having an income and distribution plan matters just as much as saving, and how emotion and market timing can quietly derail long-term retirement decisions.
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Is your home still the right fit as retirement approaches, or could it be working against you? In this episode, Justin Dobak breaks down one of the most emotional and financially significant retirement decisions: whether to stay put, downsize, rent, or relocate. The conversation explores how housing choices impact cash flow, flexibility, taxes, and lifestyle—along with the often overlooked emotional trade-offs. Justin walks through real-world pros and cons of each option and shares practical considerations retirees should weigh before making a move, especially when thinking about long-term plans and changing needs.
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The first year of retirement can shape how the rest of retirement feels—and many people don’t realize it until they’re already in it. In this episode, Abe Abich breaks down why the transition from saving to spending is often harder than expected and how mindset, income planning, and flexibility all play a role early on. The conversation explores why retirees tend to overspend or underspend, how a “spending plan” differs from a budget, and why it can take time to find a comfortable rhythm. Abe also explains why clarity around income helps retirees feel more confident using the money they’ve worked decades to build.
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Why do so many retirees fall into avoidable financial habits—and how can they be addressed before they cause real issues? In this episode from this past weekend’s radio show, Abe Abich breaks down common missteps he sees as people approach or enter retirement, from taking on too much risk to relying on uncertain income sources. Abe also discusses why having scattered accounts and unclear tax planning can limit flexibility later on, and how building a coordinated strategy can help create structure and clarity. The conversation covers retirement timing, tax considerations, and why planning ahead can reduce reactionary decisions.
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When only one partner handles the money, retirement plans can quietly build blind spots. In this episode, financial advisor Justin Dobak dives into the “money person” problem and why it creates hidden risks for couples heading into retirement. The conversation explores tuning out versus staying informed, survivorship realities, estate and asset awareness, and the key financial conversations couples often avoid. From practical examples to real-life scenarios, this episode focuses on shared understanding, communication, and making sure both partners know what they have, where it is, and how it works.
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What really shapes retirement satisfaction once the paychecks stop? In this episode from this past weekend’s radio show, Abe Abich breaks down how the first years of retirement often set the financial and emotional tone that follows. The discussion centers on spending plans versus rigid budgets, why many retirees feel asset‑rich but income‑poor, and how market headlines and volatility influence decision‑making. Using real-life retiree scenarios, Abe explores the shift from saving to spending, flexibility in retirement planning, and finding confidence without letting fear or headlines control the next chapter.
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Interest rates may dominate headlines, but what do they really mean for retirees living on their savings? In this episode of The Retirement Key, Joshua Barbin breaks down how shifting interest rates can affect income, cash, CDs, bonds, and taxes in retirement. The discussion focuses on reinvestment risk, income timing, and the ripple effects rate changes can have across a retirement plan. Listeners will hear practical context around balancing flexibility, cash, and longer-term income decisions without reacting to headlines or short-term trends.
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Your tax return may be telling a bigger story than you realize. In this episode, Abe Abich breaks down how last year’s tax filing can reveal recurring surprises, missed opportunities, and gaps between income, investments, and long‑term planning. The conversation explores why focusing only on April deadlines can overlook broader retirement and tax considerations, how procrastination affects compounding, and what a “forward‑looking” tax strategy really means. Listeners will hear how reviewing a return as a diagnostic tool—not just a filing requirement—can uncover patterns that impact future retirement decisions.
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The first year of retirement can feel very different when market volatility shows up early. In this episode, Ryan Oliver breaks down why the first 12 months of retirement carry added risk and how market swings can impact long‑term outcomes. The conversation covers sequence of returns risk, the shift from accumulation to distribution, and why reliability and flexibility matter once withdrawals begin. Listeners will also hear how diversification, planning for multiple market environments, and avoiding fear‑driven decisions can help retirees navigate uncertainty without overreacting.
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Global headlines are moving fast—but what do they actually mean for retirement planning? On this episode of The Retirement Key, pulled from this past weekend’s radio show, Abe Abich breaks down how geopolitical tensions, inflation concerns, and market volatility can impact long‑term retirement decisions. The conversation explores stress‑testing retirement plans, shifting from growth to income in retirement, understanding real retirement expenses, and why having a clear roadmap matters when paychecks stop and portfolios take over.
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Is artificial intelligence an opportunity—or a risk—when retirement is close? Abe Abich tackles how fast‑moving AI and technology trends are reshaping the market and what that means for retirees and pre‑retirees alike. The conversation explores volatility, diversification, and why stability and income take priority as you enter the retirement red zone. Abe explains how market rotations, risk management, and balanced portfolios factor into long‑term planning without chasing headlines. It’s a grounded discussion on navigating innovation while keeping retirement goals in focus.
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What does a Shamrock Shake have to do with retirement confidence? From this past weekend’s radio show, Abe Abich connects a surprising seasonal analogy to real decisions around retirement income, timing, and opportunity. The conversation explores how monthly cash flow, risk alignment, and missed financial windows can shape life after work—especially for those nearing retirement. Along the way, the show breaks down income planning realities, key age-based milestones, and why accumulation alone isn’t the finish line.
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Seven common assumptions may quietly undermine even well‑funded retirements. In this episode, Abe Abich walks through the beliefs many people hold about longevity, health, spending, markets, inflation, work, inheritances, and taxes—and why those assumptions often don’t match real‑world retirement outcomes. The conversation explores how expenses actually shift over time, why taxes can rise after work ends, and how market volatility and healthcare costs change the equation. A practical discussion focused on replacing guesswork with planning as retirement moves from accumulation to distribution.
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Mark Cuban calls “buy and hold” the most misleading slogan in investing—so what does that mean for your retirement? From this past weekend’s radio show, Abe Abich breaks down the risky assumptions many investors make about retirement, from taxes and longevity to market volatility and income planning. The conversation explores why accumulation‑only thinking can fall short as retirement approaches and how shifting from pure growth to growth‑and‑income changes everything. A grounded discussion on planning for real life, not ideal scenarios.
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One stock, one company, one sector—what could go wrong? In this episode of The Retirement Key, Joshua Barbin of Abich Financial Services breaks down concentration risk and why it often builds quietly during years of success. The conversation explores how too much wealth tied to a single holding can feel manageable while working, then become far more complicated as retirement approaches. The discussion covers emotional attachment to investments, volatility near retirement, tax concerns, and how defining personal goals can change the way concentrated positions are viewed when income and stability start to matter more.
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Gold and silver prices are making headlines—but what’s really driving the surge, and how should retirement savers think about it? In this episode of The Retirement Key, Abe Abich breaks down why precious metals behave the way they do, what recent volatility actually means, and how gold and silver can fit into a long-term retirement strategy. From inflation hedging and diversification to ETFs versus physical metals, the conversation cuts through the noise to focus on disciplined planning, managing risk, and avoiding emotional decisions when markets swing.
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Market volatility, gold headlines, and Social Security timing are colliding—and retirees are feeling it. In this episode of The Retirement Key, pulled from this past weekend’s radio show, Abe Abich breaks down why income planning matters more than market predictions. The conversation covers diversification beyond stocks and bonds, building reliable retirement income, planning for longevity, and the real trade‑offs behind delaying Social Security. Through real‑world examples, Abe explains why retirement decisions must balance income, lifestyle, and risk—especially as people transition from saving to spending.
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Your Social Security check went up—but so did your Medicare costs. In this episode of The Retirement Key, Abe Abich breaks down the key Social Security and Medicare changes for 2026, from the new COLA increase and full retirement age rules to higher Medicare premiums, IRMAA surcharges, and prescription drug pricing updates. Abe explains how these shifts connect to taxes, income planning, and retirement timing, and why small details can have an outsized impact on your long-term plan. A clear, practical overview of what retirees and near-retirees need to know now.
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Taxes can quietly reshape retirement faster than most people expect. In this episode of The Retirement Key, recorded from this past weekend’s radio show, Abe Abich breaks down why popular strategies like Roth conversions aren’t always a slam dunk anymore. The conversation explores how taxes, Medicare premiums, Social Security, income planning, and healthcare costs intersect—and how small income changes can trigger big financial consequences. Real-world retirement scenarios highlight why coordination, timing, and flexibility matter when protecting income, managing risk, and planning for the unexpected in retirement.
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So you want to retire in 2026—despite market swings, headlines, and uncertainty. Financial advisor Abe Abich breaks down seven practical retirement moves being discussed across the industry and explains how they hold up in the real world. From moving beyond outdated rules to building income, managing taxes, preparing for healthcare, and planning for life beyond work, this episode focuses on the decisions that shape the early years of retirement. It’s a grounded conversation about flexibility, preparation, and building a retirement plan designed to adapt as life changes.
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Markets are hitting all‑time highs while headlines swirl with uncertainty—so what does that mean if retirement is on the horizon? From inflation concerns to market volatility, Abe Abich breaks down how today’s instability impacts people nearing or already in retirement. This episode, taken from this past weekend’s radio show, explores real‑world scenarios, common planning mistakes, and the importance of having a clear income and risk strategy as you transition from accumulation to retirement. It’s a grounded conversation focused on confidence, flexibility, and protecting what you’ve built amid unpredictable times.
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A new senior tax deduction sounds simple—until you look at who actually qualifies. In this episode of The Retirement Key, Abe Abich breaks down a new 2026 tax break tied to the One Big Beautiful Bill Act and why income levels, timing, and long‑term strategy matter more than the headline. The discussion looks beyond this year’s filing and into how deductions, Roth conversions, and planning windows shape retirement taxes over decades. Abe also tackles the long‑held belief that taxes automatically drop in retirement—and why many families are discovering the opposite.
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A quiet tax change could have a loud impact on retirement confidence. In this episode, from this past weekend’s radio show, Abe Abich breaks down a new senior tax deduction and what it means inside a real retirement plan. The conversation explores how tax strategy, income replacement, and risk management intersect as people move from saving to spending. You’ll also hear why confidence in retirement is falling—even among millionaires—and how planning, not account size, shapes how retirees approach their next chapter.
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Do you really need five million dollars to retire? Abe Abich breaks down where that number comes from—and why it often misses the point. This episode explores income needs, spending habits, Social Security, and how different retirement scenarios change what “enough” actually means. The focus is on context, not hype, and understanding how savings translate into real-life retirement income.
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What if the biggest threat to your retirement isn’t the market—but the noise surrounding it? In this past weekend’s radio show, Abe Abich breaks down why 2026 predictions are dividing savers and advisors, how emotions derail even strong portfolios, and the practical steps retirees can take to simplify, protect, and truly understand their investments. From market history to Warren Buffett’s timeless principles, this episode is packed with guidance to help listeners tune out fear and focus on their own financial reality.
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What if the biggest retirement opportunities of 2026 are hiding in plain sight? Abe Abich breaks down five practical moves retirees and pre‑retirees can make this year, from strengthening portfolios after a long market run to leveraging new contribution limits, combating inflation, maximizing HSAs, and getting intentional with estate and legacy plans. Learn how small, strategic adjustments can help you stay prepared as economic factors shift. This episode delivers clear guidance to help you navigate a new year with confidence.
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What if one market downturn could change the entire course of your retirement? In this episode from this past weekend’s radio show, Abe Abich breaks down the five key opportunities retirees can examine entering 2026, including portfolio review, contribution updates, inflation protection, HSA advantages, and legacy planning. He also explains how recent market swings, higher contribution limits, and RMD considerations impact those nearing retirement. Real client stories highlight why planning, not guessing, is essential as economic uncertainty continues.
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When was the last time you checked whether your estate plan still reflects your wishes? In this episode, Ryan Oliver breaks down the essential documents every retiree needs, the power of beneficiary designations, how trusts actually work, and why recent changes like the SECURE Act can reshape your family’s future. Ryan also highlights smart strategies for charitable giving and explains what must be updated after major life events. A clear, practical conversation designed to help listeners understand how thoughtful estate planning can protect loved ones and preserve a legacy.
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Is your financial thermostat set to the right temperature for retirement? This episode dives into how couples often differ on risk tolerance—and why identifying both your emotional comfort and financial capacity for risk is essential before leaving the workforce. Abe Abich explains how to strike the right balance between growth and preservation, avoid overexposure, and adjust your strategy as life and markets change. Learn why risk isn’t static, why regular check‑ins matter, and how a well‑tuned plan can support a confident, long‑lasting retirement.
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This weekend’s episode kicks off with a surprising question: What does your home thermostat have to do with your retirement plan? Abe Abich breaks down how everyday habits mirror the financial decisions that shape your future. From finding the right “risk temperature” to managing taxes, preserving savings, and avoiding costly mistakes, this episode highlights real examples from families across the D.C. metro area navigating retirement with clarity. A practical, down‑to‑earth conversation from this past weekend’s radio show that helps listeners rethink how they prepare for the years ahead.
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Healthcare may be your biggest retirement wildcard, and this episode unpacks what many retirees overlook. Joshua Barbin breaks down the real costs of Medicare, long‑term care, pharmaceutical expenses, and supplemental coverage so listeners can better understand the financial impact of aging. He also explains why enrollment timing matters, how HSAs can offer unique tax advantages, and what proactive planning steps can help reduce future surprises. Whether you're approaching 65 or already retired, this conversation sheds light on the practical realities of managing healthcare in retirement.
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What if the biggest threat to your retirement isn’t market volatility — but an outdated mindset? In this episode, Abe Abich breaks down why so many retirees worry they’ll run out of money, even when they’ve saved millions. He explores how shifting from pure growth to a balanced income‑focused strategy can create more confidence in retirement. He also discusses real examples, common misconceptions about dipping into principal, and the practical financial instruments that support steady income. A clear, empowering look at what it takes to transition successfully into retirement.
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A single question ignites this week’s conversation: Can you really live on investment income alone in retirement? In this episode from this past weekend’s radio show, Abe Abich breaks down why income planning isn’t one‑size‑fits‑all, how risk should shift as you approach retirement, and what consolidation, diversification, and tax‑smart strategies can mean for long‑term stability. He also explores Roth opportunities, rebalancing habits, and the mindset change needed when moving from saving to spending. A focused, practical discussion for anyone navigating the transition into retirement’s “phase two.”
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Are you ready for the ticking tax time bomb in retirement? Dive into the essentials of Required Minimum Distributions (RMDs) and learn how recent rule changes impact your retirement income. Discover strategies to minimize taxes and avoid costly penalties. Whether you’re planning ahead or facing RMDs now, this episode delivers actionable insights to help you navigate your financial future with confidence.
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Are you making the same mistake with your retirement planning as you do with holiday decorations—waiting too long to get started? This episode dives into why early action can lead to greater confidence in retirement. Abe Abich shares real stories, practical strategies, and insights on planning, risk reduction, and tax mapping, helping listeners navigate the retirement “red zone” and beyond.
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Are you ready to rethink retirement beyond just the numbers? Financial advisor Abe Abich reveals the five essential questions every Gen Xer should answer before leaving the workforce. Discover why your ideal retirement plan is more than investments—it's about lifestyle, legacy, and making every dollar count. From travel dreams to healthcare surprises, this episode guides you through building a roadmap that fits your unique goals and family values. Tune in for practical insights and real stories that help you prepare for a fulfilling next chapter.
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Are you really diversified, or just doubling down on risk? Abe Abich dives into the hidden pitfalls of portfolio overlap, why consolidation matters for your retirement, and how a personalized plan can help you avoid costly tax surprises. Plus, hear real stories of retirees who streamlined their finances and maximized their legacy. Tune in for actionable insights from this past weekend’s radio show—your retirement clarity starts here.
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Unlock the secret to giving back while saving on taxes! In this episode, certified financial planner Ryan Oliver reveals how qualified charitable distributions (QCDs) let retirees donate directly from their IRAs, reduce taxable income, and maximize their impact. Discover eligibility rules, annual limits, and practical tips to ensure your charitable gifts count—without triggering tax headaches. Whether you’re planning your first QCD or optimizing your retirement strategy, this episode breaks down the essentials in a clear, actionable way.
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Is your financial strategy ready for the year-end crunch? Discover overlooked retirement moves, new catch-up contribution rules, and smart tax tactics that could help you keep more of your money. Financial advisor Abe Abich breaks down essential steps for maximizing retirement plans, meeting required minimum distributions, and leveraging Roth conversions and tax loss harvesting before the calendar flips. Whether you’re planning for retirement or just want to tidy up your financial “junk drawer,” this episode delivers practical insights for a stronger financial finish.
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Is your retirement plan a financial junk drawer? This past weekend’s radio show tackles the chaos of scattered accounts, conflicting advice, and common mistakes that can derail your future. Discover why clarity, consolidation, and stability matter as you transition from saving to spending. Learn about year-end strategies, the risks of ignoring inflation and longevity, and how to avoid costly missteps. Tune in for real stories, practical tips, and expert insights to help you simplify and secure your retirement.
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Are you making costly mistakes with your 401k without even realizing it? Financial advisor Abe Abich breaks down surprising new changes and overlooked strategies that could reshape your retirement plan. From caregiver credits and automated annuities to avoiding account overlap and streamlining your investments, this episode delivers practical insights for anyone approaching retirement. Discover how a 401k X-ray can reveal hidden risks and inefficiencies, and learn what steps you can take now to gain clarity and control over your financial future.
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What’s the real cost of holiday spending as you approach retirement? This past weekend’s radio show dives into the financial frenzy of the season, the truth about required minimum distributions (RMDs), and why tax planning is more critical than ever. Host Abe Abich shares real stories from local retirees, strategies for Roth conversions, and how a comprehensive retirement roadmap can turn confusion into confidence.
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How many income streams does it take to secure your retirement? This episode unpacks why relying on just one or two sources—like Social Security or a single investment—can leave your future exposed. Abe Abich explores the power of diversification, real stories from retirees, and practical ways to build a resilient income plan. From rental properties to annuities, dividends, and part-time work, discover how a balanced approach can help you weather market swings and enjoy lasting confidence in retirement.
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Are you ready for the retirement “red zone”? This episode dives into the crucial transition from saving to spending—unpacking the strategies, risks, and real-life stories that shape your financial future. Discover why required minimum distributions (RMDs), market highs, and portfolio risk matter more than ever as you approach retirement. Abe Abich breaks down how to build a flexible plan, avoid common pitfalls, and retire on your terms. Tune in for actionable insights from this past weekend’s radio show that could change your retirement game.
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Are you missing the warning signs that could derail your retirement? This episode dives into the red flags every retiree should watch for—from advisor relationships and tax time bombs to family communication gaps, outdated estate plans, scams, and risky behaviors. Certified financial planner Joshua Barbin shares practical insights to help you safeguard your future and spot trouble before it starts.
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Are you risking your retirement on just a handful of stocks? This past weekend’s radio show dives into the hidden dangers of over-concentration in today’s market, the “Magnificent Seven” stocks, and why diversification is crucial as you approach retirement. Plus, Abe Abich spotlights the unique financial challenges women face and the importance of planning for life’s unexpected turns. Real listener stories and expert advice make this episode a must-hear for anyone nearing retirement or navigating the great wealth transfer. Tune in for practical insights and strategies you can use now.
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Are your investment choices secretly sabotaging your retirement dreams? In this episode, financial advisor Joshua Barbin reveals how internal and external conflicts can steer investors off course. Discover the importance of aligning your goals, risk tolerance, and expectations—and why honest communication with your advisor is the key to clarity. Real-life stories show how finding the right advisor can transform your financial future. Tune in for actionable steps to assess and improve your retirement strategy.
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Ready to rethink retirement? Discover why your golden years can be the most dynamic chapter yet, as Abe Abich dives into the “second phase” of financial life. He breaks down essential year-end moves—from maximizing contributions to tax strategies—and reveals how to get your 401k working harder for you. Whether you’re consolidating accounts or planning charitable giving, this episode delivers practical insights for anyone approaching retirement.
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Are you unknowingly sabotaging your retirement savings? Discover the five critical mistakes that could derail your financial future, from relying too much on your 401k to letting fear drive your decisions. Abe Abich breaks down practical strategies to protect your nest egg, avoid costly habits, and build lasting income for retirement. Tune in for expert insights and real-world examples that empower you to make smarter moves with your money.
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Are you ready for retirement, or just hoping for the best? Abe Abich dives into the real-life challenges facing federal employees after buyouts, the critical need for a personalized retirement roadmap, and the hidden tax traps that can drain your savings. Discover actionable insights and stories that reveal how planning ahead can turn uncertainty into confidence—no matter where you are on your retirement journey.
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Is your financial life as cluttered as your garage? Abe Abich tackles the “financial junk drawer” problem, showing how consolidating accounts and building a clear retirement plan can boost confidence and reduce stress. Learn why emotional decisions during market volatility can sabotage your future, and hear real stories of families who found clarity by organizing their finances and focusing on income planning. Discover how a roadmap and portfolio X-ray can help you make smarter choices as you approach retirement.
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Surprised by how quickly retirement can get complicated? Abe Abich exposes the overlooked risks facing today’s retirees, from unexpected tax hits and shifting laws to outdated investments hiding in your portfolio. Tune in for practical insights that help you spot challenges and make smarter decisions as you approach retirement.
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Are you still following retirement rules from decades ago? This episode exposes five outdated financial “truths” that could be holding you back. Abe Abich breaks down why the 4% rule, saving a fixed percentage, chasing a magic retirement number, the “100 minus your age” rule, and rushing to be debt-free may not fit today’s retirement reality. Discover why personalized planning beats generic advice and how to rethink your strategy for a secure future.
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Think a $14 million signing bonus means instant riches? RG3’s tax shock proves otherwise. In this episode, Abe Abich breaks down how retirees face similar surprises with Social Security, RMDs, and investment withdrawals. Learn how tax planning can protect your nest egg, why overexposure to tech stocks could derail your retirement, and how proactive strategies helped real clients avoid costly mistakes. Whether you’re nearing retirement or already there, this episode offers eye-opening insights from the front lines of financial planning.
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Is cryptocurrency the next must-have for your retirement portfolio—or just a risky bet? Certified financial planner Joshua Barbin breaks down the basics of crypto, why it’s generating buzz, and how new government attitudes and ETFs are changing the game. Learn about volatility, risk tolerance, and why a small allocation might make sense for your “future bucket.” This episode is part one of a two-part series exploring crypto’s evolving role in retirement
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Curious about crypto in retirement? Financial advisor Justin Dobak takes a deep dive into how retirees can approach cryptocurrency—from buying and holding to tax implications and future outlook. Learn the real risks, security options, and why a small allocation might make sense for some portfolios. Discover why caution and professional advice matter as crypto becomes more mainstream, but remains speculative.
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Can a hot dog really cost you 36 minutes of life—and what does that have to do with retirement planning? In this episode, Abe Abich breaks down the myths of market-based retirement advice, the power of Roth IRAs, and the importance of proactive tax and income strategies. Real client stories illustrate how planning can transform retirement from reactive to confident living.
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Are bonds truly the anchor your retirement plan needs, or is it time to explore new territory? Financial advisor Abe Abich unpacks the realities behind bond investing, revealing how recent market changes have shaken old assumptions, and spotlights creative alternatives for protecting your savings. Discover why personalized planning beats one-size-fits-all advice and learn practical ways to build a resilient retirement strategy—all in under 20 minutes.
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Think your taxes will drop in retirement? Think again! Financial advisor Justin Dobak reveals how taxes can quietly erode even the most carefully crafted retirement plans. From Social Security surprises to required minimum distributions and estate planning pitfalls, this episode breaks down the tax buckets, strategies for Roth conversions, and smart ways to gift or donate for maximum efficiency. Tune in for actionable insights to help you build a smarter retirement tax strategy—before the IRS comes knocking.
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Ready to unlock the secrets of where your investments should live? Joshua Barbin dives into the differences between IRAs, 401(k)s, and brokerage accounts, revealing how asset location can impact your financial future. Discover the pros and cons of traditional vs. Roth IRAs, the power of employer matches, and smart strategies for maximizing retirement savings—all in clear, actionable language
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What happens when aging parents need financial help—but no one’s talking about it? In this episode of The Retirement Key, Justin Dobak shares how to navigate tough conversations around long-term care, estate planning, and financial red flags. Learn how to approach sensitive topics with compassion and clarity.
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What if the biggest threat to your retirement isn’t financial—but conversational? In this episode, Abe Abich explores three critical discussions every couple should have before turning 65. From aligning lifestyle expectations to budgeting for healthcare, Abe unpacks how miscommunication can derail even the best-laid plans. Tune in for real-life examples and practical insights to help you and your spouse retire in sync.
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Think Roth conversions are simple? Think again. In this episode of The Retirement Key, Justin Dobak dives into the strategy behind Roth conversions—timing, tax brackets, Medicare premiums, and legacy planning. Learn how to avoid costly mistakes and why a personalized income plan is key to making Roth conversions work for your retirement goals.
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Think Roth conversions are just for the ultra-wealthy? Think again. In this episode of The Retirement Key, Joshua Barbin breaks down what Roth conversions really are, why timing is everything, and how they can help retirees manage future tax burdens. From tax brackets to RMDs, this is a strategic look at turning taxable savings into tax-free legacy planning—without the jargon.
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Think retirement means slowing down? Think again. Financial advisor Abe Abich shares why your post-work years are actually “Phase Two” of life—and how to plan for it. From choosing the right fiduciary advisor to navigating income, taxes, and Social Security, this episode breaks down what retirees need to know to protect and enjoy their nest egg. Plus, hear real stories of people who made the switch to smarter planning.
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What does golf have to do with retirement? More than you think. In this episode, Abe Abich tees up a conversation that draws surprising parallels between the game of golf and the journey to retirement. From avoiding financial hazards to staying focused on your personal goals, they explore how strategy, discipline, and the right coach can make all the difference—on the course and in your financial future.
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Think DIY tax planning is saving you money? It might be costing you more than you realize. In this episode, Abe Abich breaks down why retirement tax strategy is too complex to tackle alone. From Roth conversions to RMDs and legacy planning, they explore how working with a fiduciary advisor can help you avoid costly mistakes and build a more tax-efficient future. Click here for Abe's 2025 Tax and Benefit Guide.
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What if your biggest retirement mistake isn’t financial—but mental? In this episode, Abe Abich unpacks why so many Americans dream about retirement but fail to plan for it. From budgeting for passions like golf and travel to building a lifestyle plan that evolves with you, Abe explores how to retire with purpose—not just a portfolio. Plus, insights from a Lincoln Financial study and tips on avoiding regret in your go-go years.
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Are you “pretty sure” your retirement plan is solid? That might be your biggest red flag. Abe Abich breaks down why even confident investors—and long-time advisor clients—should consider a second opinion. From reactive relationships to overlooked tax strategies, Abe outlines the subtle signs your financial plan may not be as personalized or proactive as it should be. Whether you're working with an advisor or managing it all yourself, this episode helps you rethink what true retirement readiness looks like.
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Think investing is only for the wealthy or the Wall Street-savvy? Think again. In this episode of The Retirement Key, certified financial planner Joshua Barbin breaks down the basics of stocks, bonds, mutual funds, and ETFs in plain English. Whether you're just starting out or helping a loved one take their first financial steps, this Investing 101 conversation offers clarity, context, and a few myth-busting surprises along the way.
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What does it mean to turn your nest egg into a “juicy” retirement paycheck? In this episode, Abe Abich unpacks practical strategies for transforming your savings into sustainable income. He breaks down four common retirement tips—withdrawal strategies, money market funds, annuities, and bonds—and explain how to tailor them to your goals. Whether you're planning your “go-go” years or thinking about legacy, this conversation offers a grounded look at building a retirement roadmap that fits your lifestyle.
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One wrong turn can ruin a dream vacation—and your retirement. In this episode, Abe Abich draws a powerful parallel between travel mishaps and financial missteps, revealing four common pitfalls that can derail your retirement plan. From Social Security timing to investment risk and healthcare costs, learn how to avoid the financial equivalent of a flat tire on the road to retirement.
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Think retirement planning starts at 65? Think again. In this episode, Abe Abich breaks down the key milestone ages that shape your retirement journey—from catch-up contributions at 50 to required distributions at 73. With new rules for 2025 and insights on Social Security timing, Medicare, and rollover strategies, this conversation helps you understand what happens when—and why it matters.
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Retirement is closer than you think—are you ready? Financial Advisor Abe Abich goes through five critical mistakes that could derail your retirement plans, including the dangers of not having a plan, underutilizing saving opportunities, and ignoring tax planning. He also highlights the importance of timing your job exit thoughtfully and preparing for unexpected healthcare costs that could drain your savings. Through real-life examples and practical strategies, Abe emphasizes the steps needed to create a comprehensive retirement plan as you approach the finish line of your working years. Don’t leave your future to chance—understand the key decisions that can set you up for a fulfilling life after work.
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How can you transition seamlessly from accumulating wealth to living off it in retirement? Abe Abich goes through the crucial shift from phase one financial planning to phase two: mastering income generation, mitigating taxes, managing risks, and building a legacy. Through thoughtful discussions, listeners will uncover the importance of clarity, stability, and planning in navigating the complexities of post-work life. Whether you’re tackling income stability, tax efficiency, or passing on wealth, this episode offers practical insights to empower retirees in crafting a plan that supports their goals and adapts to life's changes.
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Curious about retirement planning? Financial planner Justin Dobak explains the first meeting process, emphasizing the importance of a holistic approach to retirement planning that covers investments, estate planning, tax planning, and insurance. Justin shares key topics discussed in the first meeting, such as bringing an open mind and being ready to learn. He explains fee structures and highlights the importance of having emergency funds. Finally, Justin discusses the follow-up process and how financial plans can evolve over time.
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Retirement in 2025 might seem daunting with economic uncertainty, but planning can turn fear into confidence. Abe Abich explores essential steps to preserve your retirement during economic uncertainty including assessing spending, defining goals, timing, and understanding savings and investments. He emphasizes the importance of having a plan to navigate the challenges of retiring during turbulent times.
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Retirement brings new challenges and opportunities for managing finances wisely. Abe Abich discusses key aspects of retirement planning, including income, investments, taxes, healthcare, and estate planning. He emphasizes the importance of setting goals, sticking to them, and ensuring financial stability throughout retirement. Abich highlights the need for a comprehensive lifestyle plan to maintain purpose and fulfillment beyond financial security.
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Retirement regrets can overshadow the joy of retirement. Abe Abich breaks down the three biggest psychological regrets retirees face: not using money as a tool, worrying about running out of money, and waiting too long to enjoy life. Learn how to transform savings into a fulfilling retirement plan.
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Are you emotionally ready to retire and confident in your savings? Many people wonder if they can retire successfully, but it goes beyond financial readiness. Abe Abich dives into five essential considerations for retirement: emotional preparedness, financial stability, lifestyle planning, handling asset distribution, and aligning with your spouse's retirement goals. With millions turning 65 this year, it's crucial to ensure all these boxes are checked for a smooth transition into retirement.
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Most Americans are unaware of how their 401k investments are distributed, often resulting in over-investment in tech stocks. Abe Abich discusses why it's crucial to review your holdings, diversify, and develop a comprehensive plan to create a balanced portfolio. He explains that focusing on long-term goals and global diversification can help manage volatility and protect your retirement savings.
Abe also highlights that when you reach the age of 59 and a half, you have the option to roll over your 401k into an IRA for more investment choices.
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The market's turbulence due to the uncertainty around Trump’s tariffs and global trade dealings shouldn't dictate your retirement. In this episode, Abe Abich shares actionable steps to protect your life savings. He touches on diversifying your nest egg to minimize risk and ways to ensure stable income by leveraging social security and pensions. Abe also explains that retirees should consider tax strategies like Roth conversions and tax loss harvesting.
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Are you paying more in fund expenses than you should? Abe Abich explains how big box firms often charge excessive fees, reducing the efficiency of your retirement savings. With the right approach, Abe discusses how you could potentially save thousands annually. He also covers the importance of personalized financial planning and how independent advisors can offer more tailored solutions to your custom needs.
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What’s the best age for you to maximize your Social Security? In this episode, Certified Financial Planner Joshua Barbin dives into Social Security planning, discussing common misconceptions, the impact of age on benefits, and strategies for optimizing payouts.
Joshua also touches on why some retirees wait to claim, the tax implications once you start to claim, and the potential future changes to Social Security benefits.
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Do you know when the last time you cleaned out your financial portfolio was? Abe Abich discusses the importance of reviewing and consolidating investments, insurance policies, and other financial assets. He explains the concept of phase one and phase two financial planning, highlighting the shift from accumulating wealth to managing and preserving it in retirement. Abe also touches on the advantages of working with an independent financial advisor and the comprehensive planning process.
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Retirement planning isn't just about saving money; it's about protecting your nest egg from market volatility. Abe Abich discusses the importance of understanding your investment allocation and risk tolerance as you approach retirement. With the market's ups and downs, retirees need a comprehensive plan that balances growth and income protection. Abe explains why it’s crucial to evaluate your portfolio's performance and costs to avoid unnecessary fees and losses.
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Financial Advisor Justin Dobak discusses critical mistakes to avoid when planning for retirement. He covers topics such as overspending, miscalculating inflation, underestimating medical expenses, social security strategies, and the risks of retiring too soon.
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Navigating the complexities of federal employee retirement can be overwhelming, especially with recent layoffs and buyout options under the Trump administration. For those close to or in retirement, Abe Abich explains that understanding the impacts on pensions, the Thrift Savings Plan (TSP), and healthcare is crucial. He dives into the options and considerations for federal employees facing these decisions, helping them make informed choices about their financial futures.
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Certified Financial Planner Joshua Barbin discusses the essential factors to consider when choosing a financial advisor. He emphasizes the importance of personal fit, transparency in fees, investment philosophy, and the advisor's qualifications. Joshua also highlights the significance of building a trusting relationship with the advisor and ensuring compliance and a clean record.
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With no major pullback in three years, Abe Abich explains why it's crucial to evaluate your retirement savings strategy. He focuses on the importance of balancing growth and safety in your retirement portfolio by diversifying your investments to protect against significant market losses. Abe shares real-life examples that highlight the risks of overexposure to stocks and the benefits of adjusting your asset allocation as you near retirement.
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Abe Abich explores why many baby boomers are hesitant to spend their retirement savings despite amassing significant wealth. Concerns about leaving money to family, habits formed during COVID, and fears of illness or longevity contribute to their reluctance. Abe explains how a mindset shift and well-structured retirement income strategies can help retirees confidently enjoy their golden years. He touches on common income sources such as pensions, social security, and diversified investments to create a stable financial future.
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Retirement planning continues to evolve and is becoming more complex. Abe Abich discusses the 3 things that need to be done to achieve a comfortable retirement:
1) Maxing out your retirement accounts.
2) Accurately assess your expenses.
3) Having a solid income plan in place.
A recent report by Investopedia suggests that accomplishing the American dream in retirement could cost $4.4 million, with retirement alone making up nearly 40% of this figure. Abe addresses these numbers and breaks down the various factors retirees need to focus on.
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Do you know if your hard-earned savings are protected in retirement? Abe Abich explores the mindset of retirees, the importance of safeguarding your wealth, and balancing risk with growth. He highlights common risks like market fluctuations, inflation, and longevity, and discusses strategies to ensure your money lasts throughout your retirement.
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Retirement isn't just about saving; it's about knowing how to spend. Abe Abich addresses why many retirees struggle with the fear of running out of money, preventing them from enjoying their hard-earned savings. Creating a plan that balances spending and saving is crucial to make the most of your retirement years. From downsizing to buying a dream vacation home, making informed decisions helps retirees spend the way they want to in retirement.
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The relationship between interest rates and bonds is a seesaw, and right now, the seesaw is tipping. Abe Abich discusses that as the Fed lowers interest rates, many Americans are questioning where to place their money. With $2 trillion recently funneled into money market accounts, the drop in rates has many looking at bonds as a potential investment. Short-term bonds, in particular, are gaining attention.
Abe highlights that although money market rates were over 5% and have now dipped to around 4%, inflation eats into these returns, leaving investors with minimal gains. He explains why it’s important to not hold excess cash, as it might lose value over time. Exploring bonds, the stock market, structured notes, and annuities could provide better growth opportunities as interest rates continue to decline.
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Have you ever wondered if your 401k is enough for a secure retirement? In this episode, Abe Abich addresses the pressing concerns many Americans face as they approach retirement. He discusses the importance of having a comprehensive plan that not only includes growth tools like 401ks and IRAs, but also reliable income streams that can replace your paycheck.
Abe also highlights the transition from traditional pensions to modern retirement savings plans and the challenges that come with it. He explores strategies for generating dependable income, hedging against inflation, and planning for healthcare in your retirement years.
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A website posted a list of the “Stupidest Things Americans Overspend On” which included the likely culprits such as overpaying on car insurance, not getting the best price when online shopping and home repair bills. But the stupidest thing according to this website? Not getting a financial advisor.
In this episode, Abe Abich addresses why this is the case by highlighting the anxieties people and retirees face when investing in the stock market and the value a financial advisor can bring to ease these anxieties.
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Justin Dobak, Financial Advisor at Abich Financial Services, discusses the importance of tailoring strategies based on individual savings and risk tolerance. He emphasizes that those with fewer savings need to prioritize safety and may not be able to pursue high returns due to shorter time horizons. Conversely, individuals with substantial savings can afford to be more aggressive in their investment strategies.
Justin also addresses the issue of debt management as retirement approaches, highlighting that the decision to pay off debt depends largely on interest rates, which were recently cut by the Fed.
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Justin Dobak, Financial Advisor at Abich Financial Services, shares his upbringing and story of how he became a financial advisor and why planning for retirement is essential. He discusses each phase of life and what people need to be focused on in each stage when it comes to saving for retirement.
Justin also touches on other factors to consider when planning for retirement, such as budgeting, income sources, long-term care, and taking advantage of various financial tools to maximize savings.
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The uncertainty around higher taxes continues as Trump expresses his desire to extend his own tax cuts beyond 2025. But how long will these historically low tax brackets stick around with US debt being out of control? In this episode, Abe Abich discusses what we should be thinking about before making the decision for a rollover, including the overall process, tax implications that come with it, and the various options to consider.
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Buddy Rizer, the Executive Director of Loudoun Economic Development, discusses leveraging Metro opportunities in northern Virginia, preserving Western Loudon, and maintaining the suburban balance to enhance business and residential life. He highlights the county's impressive evolution, from the development of the airport to becoming an internet hub with AOL. Addressing housing challenges, Buddy emphasizes investment in affordable housing and community building, ensuring that retirees and residents can continue to thrive.
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Certified Financial Planner Joshua Barbin delves into the complexities of the Federal Employees Retirement System (FERS) and the Thrift Savings Plan (TSP). He explains how filing for benefits early while still earning income can reduce pension annuities and highlights the transition from the older CSRS system to FERS.
Justin covers the importance of disciplined investment strategies within the TSP and outlines the advantages of federal health insurance for retirees, emphasizing the five-year rule and the comprehensive coverage it offers.
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While US debt continues to climb with the Trump tax cuts scheduled to sunset at the end of 2025, what implications could this have on retirees? In this episode, Abe delves into crucial year-end financial checkups and tax planning strategies that those nearing retirement should consider. He highlights the importance of adjusting to new tax brackets and discusses Roth conversions.
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Abe discusses LeBron James’ health routine and how his dedication to it can be applied to your financial future in retirement. Abe shares insights for creating income streams, protecting your savings, and maintaining a balanced approach to your retirement years.
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Abe discusses focusing on the unique needs of the boomer generation, the considerations for early retirement, and the importance of having a comprehensive lifestyle plan. He emphasizes the need for individuals to create their own income streams in retirement and the significance of finding purpose and fulfillment during this phase of life.
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Abe Abich speaks with WMAL's Larry O'Connor and reflects on his journey in the financial services industry, celebrating the milestones of his firm and the release of his new book, The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement.
He discusses the importance of helping clients retire with dignity and confidence, the unique approach of his firm in focusing on retirement planning for those aged 55 and older, and the ethical responsibilities that come with being a fiduciary. Abe also shares insights on the challenges facing retirees today and the future vision for his firm, emphasizing the importance of a family-oriented atmosphere and personalized service.
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Abe discusses the essential components of retirement planning, emphasizing the importance of long-term care, life insurance, and hybrid policies. He shares real-life examples to illustrate how these financial tools could provide security during retirement. The discussion highlights the need for comprehensive planning to mitigate risks associated with healthcare costs and to ensure that retirement savings are preserved for future generations.
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Abe discusses the complexities of retirement planning, emphasizing the importance of transitioning into retirement with a solid plan. He introduces his book, 'The Retirement Mountain,' which outlines seven steps to achieve a fulfilling retirement.
Abe highlights the stark contrast in retirement confidence between those who are already retired and those still planning, stressing the need for personalized financial advice and realistic spending expectations. He also underscores the significance of having a lifestyle plan that complements financial planning, encouraging individuals to dream big and actively pursue their retirement goals.
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Abe delves into the complexities of retirement planning, particularly focusing on annuities. He explains the benefits and types of annuities, the importance of a balanced investment portfolio, and the need for regular evaluation of financial products to ensure they meet current needs and market conditions.
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Abe discusses the importance of ensuring finances are in order as you approach retirement to support future dreams and aspirations. He highlights the impact of interest rate cuts and election cycles on the stock market. While market fluctuations are inevitable, Abe notes that historical data suggests elections have minimal long-term effects on market performance. Instead of making fear-based decisions, he recommends focusing on a solid financial plan that includes protection and income strategies to navigate uncertainties effectively.
Abe emphasizes the need to evaluate your current investment strategy, especially as retirement nears. He points out that recent trends, such as the Federal Reserve's interest rate cuts, present both challenges and opportunities for retirement savers. The key, according to Abe, is to stay informed and adapt your approach to ensure a steady income flow despite market volatility. By concentrating on a comprehensive financial plan that includes tax, healthcare, and legacy planning, you can confidently transition from your working years into a secure and fulfilling retirement.
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Abe discusses essential year-end financial strategies for retirement planning. He emphasizes the importance of taking required minimum distributions (RMDs), conducting year-end portfolio reviews, and reassessing insurance policies.
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Abe addresses the fears many Americans face as they approach the transition into retirement. He emphasizes the importance of having a solid financial plan to navigate the uncertainties of retirement, including the potential risks associated with Social Security. The discussion highlights the need for reliable income strategies to ensure a comfortable retirement, encouraging listeners to take proactive steps in their financial planning.
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Abe discusses essential strategies for retirement planning, focusing on market volatility, investment strategies, and the importance of understanding fees. He emphasizes the need for individuals nearing retirement to assess their financial situation and create a comprehensive plan that includes income generation and risk management.
The discussion also highlights the impact of economic predictions and the necessity of adapting to changing financial landscapes.
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Abe discusses the need for both spouses to be involved in financial decisions, especially as one partner may have been primarily responsible for managing finances. The discussion covers the transition from accumulating wealth to managing it in retirement, highlighting the significance of having a comprehensive retirement plan.
Additionally, Abe explains tax strategies like tax loss harvesting, which can help investors manage capital gains effectively.
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Abe discusses important considerations for individuals approaching retirement or in the early years of retirement. One key topic is the mistake of leaving a 401k in a cash account after rolling it over to an IRA, missing out on potential stock market gains.
Another theme Abe touches on is the need for consolidation and planning in the retirement phase, as many people accumulate multiple accounts and face decisions regarding pensions, social security, and insurance policies. The conversation also touches on economic indicators of a potential recession and the importance of adjusting investment strategies as retirement approaches.
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Abe explains why seeking the help of a financial advisor can provide valuable guidance and support. Market turbulence and the possibility of a recession can cause anxiety, but a well-built plan can help mitigate risks. It is crucial to have a comprehensive retirement plan that includes asset allocation, income planning, healthcare analysis, and tax planning.
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As retirement approaches, it is important to protect your nest egg and make your money work for you. Timing the markets is nearly impossible, so it is crucial to have a proactive retirement plan in place. Reducing risk and protecting life savings from downturns is essential. Abe discusses one way to mitigate the risk of outliving your assets is through guaranteed income, such as annuities. Annuities can serve as a bond alternative and provide principal protection.
It is important to build a retirement plan on a rock-solid foundation and consider diversifying risk within the portfolio. Taking chips off the table and protecting life savings from all potential risks, including market downturns, higher taxes, and healthcare events, is crucial.
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Abe discusses the current state of the market and the importance of balancing risk in a retirement plan. He also highlights the challenges faced by women in retirement and why healthcare planning shouldn't be overlooked.
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Abe discusses making savings work in retirement, what the expiration of the Trump tax cuts could mean, and the risk of a stock market bubble. He emphasizes the importance of tax planning, including Roth conversions, to take advantage of current tax rates.
Abe also highlights the need to protect retirement savings from market downturns by implementing a balanced investment strategy.
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Preparing for a financially secure retirement requires careful planning and guidance. Some people have saved one to five million dollars for retirement, which can be enough to live comfortably if managed properly.
However, it's important to have a comprehensive plan that goes beyond just investments. This includes considering income and distribution strategies, tax planning, and estate planning.
Abe discusses a common challenge of dealing with required minimum distributions (RMDs) and the potential tax implications. Strategies such as delaying RMDs and Roth conversions can help mitigate these risks.
Ready to get a second look at your retirement plan? Visit TheRetirementKey.com today!
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Mark Hodulich, CEO and co-founder of 29029 Everesting, discusses the impact of endurance events on all areas of life and the importance of pursuing dreams and goals. He shares the story behind founding 29029 and the unique endurance challenge it offers. The challenge involves hiking the equivalent of Mount Everest in 36 hours or less, with the support of a team and a community.
Mark emphasizes the power of physical health and mental well-being in individual performance and highlights the importance of prioritizing self-care. He hopes to leave a legacy of showing his children the impact of pursuing one's true self and giving to others.
To learn more about 29029, visit 29029 Everesting
To connect with Abe and his team, visit TheRetirementKey.com today!
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Abe explains the difference between financial independence and retirement planning and how they can be achieved simultaneously. Abe also highlights the common mistakes people make with their 401k plans and offers suggestions on how to avoid them.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Abe discusses the things that people worry about in retirement and how to alleviate those worries through financial planning. He emphasizes controlling what you can control and the need for regular check-ups and adjustments to retirement plans.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Pat Volk explains the importance of being cautious with financial news and headlines and discusses the current state of interest rates and inflation. He also mentions different options for conservative investments for diversifying your portfolio.
Pat also mentions focusing on generating income and protecting against market volatility in a retirement plan.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Abe discusses the importance of having a well-thought-out retirement plan and implementing tax strategies to reduce future obligations. He also touches on the impact of tax code changes and the need for consolidation and guidance in financial decision-making.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Abe discusses the concerns people may have when choosing to switch financial advisors and explains the process he and his firm go through when helping new clients. He also emphasizes the importance of entering “Phase 2” of your retirement plan and living off life savings.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Abe discusses the impact of the upcoming election and government spending on retirees' financial future. He emphasizes the importance of election-proofing retirement plans and addresses concerns about rising taxes.
Abe also talks about the need to protect retirement savings from market volatility and discusses tax planning and conversions.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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Pat Volk recently had the chance to interview the Murray Bros. at their annual Caddyshack Charity Golf Tournament down in St. Augustine, Florida.
Bill Murray shares his accidental experience at a Bitcoin ATM when attempting to withdraw cash.
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Abe discusses the importance of preparing for the future by addressing taxes and retirement income. He highlights the potential impact of proposed tax changes on middle-class Americans and emphasizes the need for tax planning in retirement.
Abe also addresses the concern of retirees who are unsure about spending their savings and explains the importance of having a comprehensive retirement plan that includes income generation.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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In this conversation, Pat Volk discusses the importance of planning for retirement and the unique considerations for women. He shares his personal experience with his mother's financial struggles after his father's passing and emphasizes the need for guaranteed income streams in retirement.
Pat also highlights the differences in retirement outlooks between men and women and the importance of having open and honest conversations about financial planning. He encourages individuals to take care of themselves and not be a financial burden on their children. Pat also discusses the benefits of conservative investment strategies and the potential risks of relying on aggressive portfolios.
Ready to start building out your retirement plan? Visit TheRetirementKey.com today!
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In this episode, Pat Volk discusses the importance of having conversations with family members about finances and estate planning. He also emphasizes the need for open communication and updating life insurance and long-term policies while planning for retirement.
Ready to discuss your estate plan? Visit TheRetirementKey.com today!
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$1 Million used to be what you needed to retire, but the latest average according to Schwab is $1.8 Million. Is this number actually accurate?
In this episode, Abe discusses if it's possible to retire with under $1 million and how individual circumstances play into a retirement plan.
Also, Abe breaks down the tax consequences in retirement that people may not know about as they build out their income plans.
Ready to build your plan for retirement? Visit TheRetirementKey.com today!
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The latest inflation number came in hot, implying that the Fed won't be cutting interest rates anytime soon. Government spending contributes to inflation, which may have an impact on your financial plan heading into retirement.
In this episode, Pat Volk explores the different options, such as annuities, that may help protect and generate income during retirement in a time of uncertainty.
Ready to see how inflation is affecting your retirement goals? Visit TheRetirementKey.com today!
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Planning for retirement and creating a personal pension are crucial for a secure financial future. In this episode, Abe discusses that having a sound income plan is essential while living out your retirement years.
Also, Abe explains how the 60-40 model (60% stocks and 40% bonds) may not be as effective in today's market, and alternative strategies should be considered.
Ready to see what developing an income plan for your retirement might look like? Visit TheRetirementKey.com today!
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The stock market continues to make new highs thanks to “The Magnificent 7” which has caused concern for a correction. How much longer can the market run up thanks to a handful of stocks?
On this episode, Abe warns that too much exposure to the market during retirement and the years leading up to retirement can negatively impact your life savings. Protecting your portfolio is key when building out your retirement plan.
Plus, how much in fees are you really paying? Abe shares common fees that many retirees pay without realizing it while offering ideas on how you may be able to reduce yours.
Ready to protect your financial future and expose the unwanted fees in your plan? Visit TheRetirementKey.com today!
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Spending 12 hours a week to plan for one day. That’s what a new study reveals about wedding planning. But what about when it comes to planning for 20-40 years of your life in retirement?
On this episode, Abe discusses the importance of planning for retirement and the role of a financial advisor in creating a comprehensive retirement plan, helping save time and money in the process.
Plus, “higher for longer” interest rates, wars abroad, and an election year continue to cause fear and doubt. Abe emphasizes that your financial future can be controlled despite the uncertainty in the current economic climate.
Ready to take control of your financial future? Visit TheRetirementKey.com today!
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New research shows the youngest Baby Boomers, born between 1960 and 1965, have significantly less wealth than older Boomers thanks to the Great Recession which hit during their peak earning years.
On this episode, Abe speaks to the work they do at Abich Financial do build protections around their client’s savings to help avoid this kind of catastrophe.
Plus, when asked to choose either “money” or “your love life,” almost half of women say they rather have a conversation about their personal relationship than their finances. Abe wants women to feel empowered and get in on the conversation about retirement planning.
Ready to take control of your financial future? Visit TheRetirementKey.com today!
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Preparing for retirement is a marathon, not a sprint. But even the most seasoned runners can trip over unexpected hurdles. On this episode, Abich Financials’ Sr Advisor Pat Volk talks about hidden risks that can derail your retirement dreams.
Pat shares his thoughts on:
- Why chasing high returns might not be the best strategy for everyone.
- The crucial difference between saving "enough" and setting realistic goals.
- Hidden tax implications you may not have considered.
- Unveiling the risks of underestimating healthcare costs.
- How to create a personalized plan that goes beyond stocks and market trends.
Don't let hidden risks sabotage your retirement plans. Visit TheRetirementKey.com and schedule your complimentary risk analysis today.
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Many are worried about how rising interest rates, inflation, and market volatility could affect their retirement.
So, how does the CEO of America’s biggest bank position his business for adversity? JP Morgan Chase’s Jamie Dimon shares his perspective on ways to “weather the storms.”
Abe points out how this “good business advice” aligns with how we should also think about retirement planning.
We also hear from Jerome Powell who speaks of how it’s no longer a case of if the Fed will cut interest rates, but rather a matter of when. While many anticipate cuts to begin in late spring, at Abich Financial they work daily to build plans that can withstand whatever the market, economy, or government may throw your way.
Visit TheRetirementKey.com and start creating your customized Retirement Roadmap.
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Dreaming of a retirement filled with relaxation and adventure? Then you’ll want to learn more about unforeseen issues that can throw even the best-laid plans into disarray.
In this episode, financial advisor Pat Volk of Abich Financial Services pulls back the curtain on common yet surprising challenges that can derail your retirement dreams. From income taxes to outliving your savings, Pat sheds light on potential pitfalls while providing ideas on actionable strategies you can take to help avoid them.
Learn more about the "great American myth" of budgeting, sneaky income tax surprises lurking in your retirement savings and ways to create a realistic plan for your future.
Visit TheRetirementKey.com to begin creating your personalized financial and retirement plan.
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As the Social Security solvency crisis looms, many Americans are wondering what they can do to help protect their retirement income should they face benefit cuts.
On this episode, Abe Abich speaks with David Duley, a foremost expert on Social Security and co-founder of Social Security Risk Score, about the history and complexities of the program.
David shares theories on ways Congress could rescue the program, through strategies like means testing or changes in retirement age, and why he’s focused on empowering consumers to know what their risk level of a benefit cut may be, so they can take actionable steps towards finding a solution.
Arm yourself with knowledge and tools to navigate Social Security challenges. Visit TheRetirementKey.com for your personalized Social Security Risk Score report.
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California has lost over 750 thousand residents over the last three years because of its oppressive state tax rate of 13.3%. People are leaving for places like Florida, Texas and Tennessee that have no state income tax.
On this episode, Abe talks about other (aka – easier than moving) strategies that may be able to help you limit the taxes you’ll owe in retirement.
Plus, we hear from Azul Wells about the anxiety that can cause us to kick the can down the road before we decide to leave the workforce. Abe speaks to those who are afraid of leaving their regular paychecks behind and, how at Abich Financial they help their clients just say no to the “just one more year” mindset.
Conquer your retirement worries! Visit TheRetirementKey.com and get started on your retirement income plan.
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Worried how election volatility could affect your retirement nest egg? You're not alone.
In this episode, Abe breaks down strategies for pre-retirees and retirees to navigate uncertain markets, including shifting from growth to income, building a comprehensive retirement roadmap, and de-risking your portfolio.
We also hear from Alabama’s Nick Saban, who recently shook up the college football world by announcing his retirement. He shares what made him realize it’s time to pass the torch. Abe uses Coach Saban’s perspective to further explain how, at Abich Financial, they work beyond the dollars and cents to help their clients decide when’s the right time to retire.
Visit TheRetirementKey.com to learn more about creating security around your nest egg.
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Researchers have created a simple test that might predict mortality risk. It consists of standing on one leg with the other tucked behind your knee, and your arms at your sides for 10 seconds. They claim the longer you’re able to do this, the longer you’ll live.
But what about your financial plan? Will your money last as long as you do?
On this episode, Abich Financials’ Senior Financial Advisor Pat Volk, discusses different tests they run on clients’ accounts so they can understand their overall financial health while preparing for retirement uncertainties.
From risk tolerance evaluations to sophisticated Monte Carlo analyses, Pat talks through some of the processes to highlight how these tests can shape a retirement plan.
Want to test your savings plan? Visit TheRetirementKey.com to begin the conversation with Abich Financial Services today!
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Have you checked your 401(k) lately? There’s a good chance it’s looking a lot better than it did a year ago. But behavioral economists warn how the overconfidence that comes with making big gains can cause people to take bigger risks with their investments.
In this episode, Abe also talks about the emotional toll of constantly logging into your accounts and insight to finding balance. Abe provides actionable ideas to portfolio management, risk assessing and why they have reviews every quarter with their clients, at Abich Financial.
Plus, is it possible to take a “mulligan” on Social Security?
Take control of your retirement journey - Visit TheRetirementKey.com for a complimentary portfolio X-ray and personalized insights.
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How much money do you need to be happy? Baby Boomers say $124K annually, while Millennials want more than a $500,00 each year! But one thing all generations agree on: having a financial plan can help bring a sense of security.
On this episode, Abe shares what we can anticipate in 2024. Whether you're nearing retirement or already enjoying it, Abe shares actionable steps for tax planning, insights into market dynamics, and the significance of guaranteed income in retirement.
We also discuss the impact of inflation and how future interest rate cuts could affect opportunities on investments like CDs, Money Markets, treasuries, and annuities.
Take control of your retirement journey - Visit TheRetirementKey.com for a complimentary portfolio X-ray and personalized insights.
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The stock market saw a nice rally in November, and some believe we are set up for a great start for 2024 with the Fed lowering interest rates. But not everyone’s on board with that thinking. Abich Financial's Senior Financial Advisor Pat Volk, dives into the unpredictable world of interest rates and the contrasting opinions on rate cuts.
In the midst of economic shifts, Pat encourages investors to seek practical advice as they approach retirement while underscoring the importance of building a resilient financial plan. He shares insight on tailoring strategies to your individual circumstances. Whether you're a speculative investor or someone near retirement it’s important to align your portfolio with your financial goals.
Don’t be swayed by “blanket advice.” Visit TheRetirementKey.com to start your financial conversation with the team at Abich Financial Services.
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In this episode, Abich Financial's Senior Financial Advisor Pat Volk, reminisces over favorite holiday movies like, Home Alone. A particular scene from the movie prompts a conversation about the changes Pat has seen in the financial world during his career.
He discusses the transition from traditional pension plans to the prevalence of 401(k)s, the economic impact of technology, changing employer-employee dynamics, and the shift towards a more DIY approach in financial planning.
Pat challenges the notion that financial planning should be a one-size-fits-all endeavor, highlighting the importance of seeking professional guidance in an era where individuals are increasingly responsible for their retirement.
Ready to overcome financial anxiety? Visit TheRetirementKey.com to start your financial conversation with the experienced team at Abich Financial Services.
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As we approach the year-end, Abe discusses the importance of resetting financial goals and addresses the impact of political and economic changes on retirees. Discover the potential benefits of Roth conversions, whether you're still in the workforce or already retired.
Abe sheds light on how retirees can take advantage of strategic tax planning and Roth conversions to increase their tax-efficiency in retirement.
We also look at current interest rates and their effects on the stock market. Abe shares his perspective on market dynamics, the impact of interest rate changes, and the caution needed as we approach all-time stock market highs. Learn how to be cautiously optimistic and make informed decisions, especially if you're within five years of retirement.
Visit TheRetirementKey.com to start your financial conversation with Abe and his team at Abich Financial Services.
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Christmas and New Years are just around the corner. So, have you made an appointment for year-end financial planning?
On this episode, Abe shares the things they look out for when having these meetings at Abich Financial Services like required minimum distributions (RMDs), tax loss harvesting, and optimizing allocations.
We also discuss Wall Street’s latest catchphrase, "T-bill and chill." Abe explains why short-term Treasury bills are gaining popularity among investors, especially those in their 50s, 60s, and 70s. Learn how these low-risk instruments may offer more stability during market fluctuations and could be an attractive alternative for conservative investors.
If you're approaching retirement, uncertain about your investment strategy, or seeking comprehensive advice, connect with the team at Abich Financial Services to start your conversation with Abe and his team today.
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Subscribe or follow today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website or call 571-554-1980.
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
retirement #daveramsey #podcast
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Join Pat Volk of Abich Financial Services as he explains how significant historical financial events can help you make decisions about your financial future and retirement based on where you're at in life right now.
Subscribe or follow today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website or call 571-554-1980.
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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If retirement were like a Thanksgiving meal, Abe shares what should be the "main entrée," and what should be "sides".
Subscribe or follow today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website or call 571-554-1980.
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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If you are over 50, you don't want to miss this episode. Tune in as Abe shares insights on why you should be cautiously optimistic in today's market and how consolidation might expose lost retirement accounts.
Subscribe or follow today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website or call 571-554-1980.
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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Tune in to learn what Abe feels are 2023 warning signs and how bonds can play a part in your portfolio.
Subscribe or follow today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website or call 571-554-1980.
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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Abe takes the time to break down what RMDs are, why they are important, and provides strategic advice for those who might not need this additional income but are required to take it. He introduces the concept of Qualified Charitable Distributions (QCDs), a strategy that not only satisfies RMD requirements but also allows for meaningful charitable contributions.
Subscribe today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Services website
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Abe addresses the confusion surrounding the 12/10 IRA, unveiling its true nature as a fixed indexed annuity. He underscores the importance of aligning financial decisions with long-term plans, cautioning against alluring sales pitches that may derail your retirement goals.
Subscribe today and empower yourself to make confident financial decisions for a fulfilling retirement journey.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Solutions website
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Join Pat Volk, financial advisor at Abich Financial Services, as he and Heather Branch discuss the critical aspects of retirement planning beyond mere investments. Discover why seeking a financial advisor goes beyond stock market trends, exploring income tax strategies, legacy planning, and a comprehensive blueprint that ensures your financial goals are met.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Solutions website
Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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Abe Abich revisits the 4% rule and explains how to generate Mail Box Money as part of your retirement.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Solutions website. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
About Abe Abich
Founder & CEO, Certified Financial Fiduciary®
Abe founded Abich Financial Services (AFS) in 2008 and has 20+ years of experience in financial services. He is a seasoned retirement income planning professional and a Certified Financial Fiduciary®. Abe hosts the D.C. metro area radio show, “Retirement Key Radio,” on 105.9 WMAL and the television show, “Retirement Key TV,” on WUSA 9 and ABC7 WJLA.
Abe and the team have helped close to 1,000 individuals and families prepare for their financial futures. His authored articles can be seen in Forbes, Fortune, Yahoo! Finance, CNN Money, and more. Abe has also served as a member of the Forbes Financial Council. He earned his B.S. from Liberty University, where he lived out his dream to pitch for their Division I baseball team.
In August 2015, Abe married his wife, Shelly, and they became proud Leesburg residents and teamed up to run AFS as a family firm. With a determination to always give back to the local community, he joined his wife in starting a senior non-profit, has served on the board for Loudoun Habitat for Humanity, and is a member of the Loudoun County Chamber of Commerce and Cornerstone Chapel in Leesburg. He is an avid Washington Commanders fan and, on weekends, enjoys being a local foodie, biking the trails, and boating on the Potomac.
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In this episode of The Retirement Key podcast, Abe Abich, Certified Financial Fiduciary® and Founder & CEO explains why his practice believes in quarterly reviews. He shares what to look for, what to ask yourself and the options you have to help keep your retirement plan in check.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit Abich Financial Solutions website. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
See omnystudio.com/listener for privacy information.
Tax risk is one of the biggest risks you'll face in retirement, and it can have a significant impact on your nest egg. In this episode of The Retirement Key podcast, host Abe Abish and co-host Heather Branch discuss the importance of tax planning in retirement and offer tips on how to protect your nest egg from taxes.
Abe and Heather also discuss the current state of the stock market and how to plan for retirement in a volatile market.
Listen to the episode to learn more about how to reduce your tax risk in retirement and ensure a comfortable retirement.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
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In this episode of The Retirement Key podcast, Abe Abich, discusses the question of whether or not retirees should reduce their exposure to the stock market. He talks about the risks and benefits of staying invested in the market, and offers some advice for retirees who are looking to reduce their risk.
They also discuss the concept of "stealth taxes," which are taxes that are not immediately obvious to taxpayers. They explain how stealth taxes can affect retirees, and they offer some tips for avoiding them.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
About Abe Abich
Founder & CEO,
Certified Financial Fiduciary®
Abe founded Abich Financial Services (AFS) in 2008 and has 20+ years of experience in financial services. He is a seasoned retirement income planning professional and a Certified Financial Fiduciary®. Abe hosts the D.C. metro area radio show, “Retirement Key Radio,” on 105.9 WMAL and the television show, “Retirement Key TV,” on WUSA 9 and ABC7 WJLA.
Abe and the team have helped close to 1,000 individuals and families prepare for their financial futures. His authored articles can be seen in Forbes, Fortune, Yahoo! Finance, CNN Money, and more. Abe has also served as a member of the Forbes Financial Council. He earned his B.S. from Liberty University, where he lived out his dream to pitch for their Division I baseball team.
In August 2015, Abe married his wife, Shelly, and they became proud Leesburg residents and teamed up to run AFS as a family firm. With a determination to always give back to the local community, he joined his wife in starting a senior non-profit, has served on the board for Loudoun Habitat for Humanity, and is a member of the Loudoun County Chamber of Commerce and Cornerstone Chapel in Leesburg. He is an avid Washington Commanders fan and, on weekends, enjoys being a local foodie, biking the trails, and boating on the Potomac.
A portfolio X-ray is a comprehensive review of your investment portfolio. It can help you identify any potential risks or areas where you may be overexposed. In this episode of the Retirement Key podcast, Abe Abich discusses the importance of a portfolio X-ray for retirement planning. He explains how it can help you make sure your portfolio is aligned with your risk tolerance and financial goals.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
About Abe Abich
Founder & CEO,
Certified Financial Fiduciary®
Abe founded Abich Financial Services (AFS) in 2008 and has 20+ years of experience in financial services. He is a seasoned retirement income planning professional and a Certified Financial Fiduciary®. Abe hosts the D.C. metro area radio show, “Retirement Key Radio,” on 105.9 WMAL and the television show, “Retirement Key TV,” on WUSA 9 and ABC7 WJLA.
Abe and the team have helped close to 1,000 individuals and families prepare for their financial futures. His authored articles can be seen in Forbes, Fortune, Yahoo! Finance, CNN Money, and more. Abe has also served as a member of the Forbes Financial Council. He earned his B.S. from Liberty University, where he lived out his dream to pitch for their Division I baseball team.
In August 2015, Abe married his wife, Shelly, and they became proud Leesburg residents and teamed up to run AFS as a family firm. With a determination to always give back to the local community, he joined his wife in starting a senior non-profit, has served on the board for Loudoun Habitat for Humanity, and is a member of the Loudoun County Chamber of Commerce and Cornerstone Chapel in Leesburg. He is an avid Washington Commanders fan and, on weekends, enjoys being a local foodie, biking the trails, and boating on the Potomac.
Join Pat Volk, an experienced financial advisor at Abish Financial Services, as he delves into the world of retirement assumptions and discover how to build a comprehensive plan that goes beyond mere wealth accumulation.
Pat emphasizes the importance of understanding income sources, like pensions and Social Security, and how they can provide stability in uncertain times. Learn how to create a personalized financial strategy that adapts to market fluctuations while maintaining your desired lifestyle.
Tune in to ensure your retirement is backed by solid financial foundations.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe Abich, Pat Volk and the rest of the team on Facebook, Instagram, LinkedIn and YouTube!
Join Abe Abich, founder of Abich Financial Services, in this episode of the Retirement Key podcast as he discusses crucial strategies for preparing your financial future, especially in the midst of market volatility and economic uncertainty.
Explore a real-life case study featuring a couple with almost $2 million in savings, as Abe demonstrates how they were able to correct a significant income shortfall through targeted strategies.
You'll learn how to avoid common 401(k) mistakes, such as underestimating retirement costs and neglecting to rebalance your portfolio. Discover the importance of seeking professional financial advice, especially during this critical phase of life, as you transition from accumulation to the distribution and income-focused phase of retirement planning.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe and the rest of his team on Facebook, Instagram, LinkedIn and YouTube!
**About Abe Abich**
Founder & CEO,
Certified Financial Fiduciary®
Abe founded Abich Financial Services (AFS) in 2008 and has 20+ years of experience in financial services. He is a seasoned retirement income planning professional and a Certified Financial Fiduciary®. Abe hosts the D.C. metro area radio show, “Retirement Key Radio,” on 105.9 WMAL and the television show, “Retirement Key TV,” on WUSA 9 and ABC7 WJLA.
Abe and the team have helped close to 1,000 individuals and families prepare for their financial futures. His authored articles can be seen in Forbes, Fortune, Yahoo! Finance, CNN Money, and more. Abe has also served as a member of the Forbes Financial Council. He earned his B.S. from Liberty University, where he lived out his dream to pitch for their Division I baseball team.
In August 2015, Abe married his wife, Shelly, and they became proud Leesburg residents and teamed up to run AFS as a family firm. With a determination to always give back to the local community, he joined his wife in starting a senior non-profit, has served on the board for Loudoun Habitat for Humanity, and is a member of the Loudoun County Chamber of Commerce and Cornerstone Chapel in Leesburg. He is an avid Washington Commanders fan and, on weekends, enjoys being a local foodie, biking the trails, and boating on the Potomac.
Join host Pat Volk, a seasoned financial advisor at Abich Financial Services, and co-host Heather Branch as they delve into a thought-provoking discussion about redefining retirement, financial goals, and quality of life in this episode of the Retirement Key Podcast.
In a world where retirement planning goes beyond mere dollars and cents, Pat and Heather explore the evolving landscape of retirement preparation, focusing on achieving true wealth and financial security.
Learn how the perspective on wealth has shifted in recent times, with individuals prioritizing health, family, and lifestyle. Discover the essential components of a successful retirement strategy that accounts for both financial stability and the fulfillment of personal aspirations.
Pat shares insights from his extensive experience, including his background in prestigious financial institutions, and highlights the significance of open and honest conversations in guiding individuals towards a prosperous retirement journey.
Whether you're aiming for riches, wealth, or a combination of both, this episode offers actionable insights and expert advice to help you secure your financial future and enjoy a fulfilling retirement lifestyle.
To begin your personalized retirement conversation and gain a deeper understanding of your financial path, visit RetirementKeyRadio.com. Find even more helpful insights from Abe and the rest of his team on Facebook, Instagram, LinkedIn and YouTube!
In this episode of the Retirement Key Radio podcast, host Abe Abich, Certified Financial Fiduciary® and Founder & CEO of Abich Financial Services discusses essential aspects of retirement planning with his co-host, Heather Branch.
They delve into the importance of having a clear path forward for retirement, especially when it comes to taxes and retirement income. Abe shares insights from his recent work trip to Nashville, where he had a one-on-one conversation with Candace Owens, a prominent American conservative political commentator. They explore her ideas on taxes and government spending.
Abe addresses common myths about retirement planning, like the belief that one will be in a lower tax bracket after retirement. He emphasizes the significance of planning for taxes as they can be a major expense during retirement, particularly for individuals in the DC metro area with various sources of income. The episode features real-life scenarios of individuals facing retirement without a clear plan, highlighting the need for comprehensive retirement strategies.
The podcast also explores the issue of fund costs and how they can impact retirement savings. Abe provides practical examples of clients who have a significant income gap and need a well-structured plan to ensure a successful transition into retirement.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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In this episode of the Retirement Key Podcast, host Abe Abich, Certified Financial Fiduciary® and Founder & CEO of Abich Financial Services sits down with the award-winning singer-songwriter Gary LeVox, famed for his time as the lead singer of Rascal Flatts.
Joined in Nashville, Gary discusses his transition to a solo career and shares insights into managing finances amidst a successful music career. Tune in as he opens up about the best financial advice he received and the importance of surrounding oneself with knowledgeable advisors.
Discover how technology has played a crucial role in staying relevant in the fast-paced music industry, and hear Gary's personal tips for finding balance and relaxation when not performing.
Whether you're a music enthusiast or interested in financial success, this episode offers valuable lessons for both realms.
Looking for more insights on your own personal financial situation? Connect with Abe and his team at RetirementKeyRadio.com.
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In this episode of "The Retirement Key Radio Podcast," host Abe Abich, Certified Financial Fiduciary® and Founder & CEO of Abich Financial Services sits down with the renowned American conservative political commentator, author, activist, and television presenter, Candace Owens.
They delve into a range of topics, from the significance of family and motherhood to the future of America's children. Candace shares her insights on politics, including her views on taxes and the importance of citizen engagement in government spending.
Furthermore, the conversation touches on the upcoming 2024 election cycle, and Candace reveals her favorite candidate and the qualities that make them stand out.
Tune in to this thought-provoking episode as Candace Owens shares her perspective on family, politics, and her vision for the future of the United States.
Looking for more insights on your own personal financial situation? Connect with Abe and his team at RetirementKeyRadio.com.
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According to a recent study from Lincoln Financial Group, more than 60% of retirees would like to go back and plan differently for their retirement if they could. Overwhelmingly, retirees wish they’d started saving earlier and saved more for retirement.
Abe Abich, Certified Financial Fiduciary® and Founder & CEO of Abich Financial Services shares his insights on how to avoid this kind of regret in retirement with true stories from real clients he's helped. Don't wait until it's too late! Learn more by tuning in to this week's episode.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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In this episode of the Retirement Key Radio podcast with Abe Abich, founder of Abich Financial Services, Heather and Abe dive into essential financial topics to better prepare for retirement.
Abe discusses the benefits of Roth IRAs, describing them as "God's gift to financial planning." If you've been wondering about the right financial moves to make as you approach retirement, this episode offers valuable insights and actionable advice to secure your financial future. Don't miss out on the opportunities to optimize your retirement savings and build a solid plan that will protect you and your loved ones.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
Find even more helpful insights from Abe and his team on Facebook, Instagram and YouTube!
In this episode of the Retirement Key Radio Podcast, financial advisor Pat Volk discusses the importance of incorporating alternative assets into your retirement plan. With the changing landscape of the financial market and the confusing language surrounding investments, it's crucial to explore options beyond traditional stocks and bonds.
Pat breaks down the concept of alternative assets and explains how they can provide stability and growth in your portfolio. Whether you're considering annuities, structured notes, or other alternatives, Pat offers valuable insights to help you make informed decisions about your financial future. Tune in to this episode to learn how to optimize your retirement plan with alternative assets.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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In this episode of Retirement Key Radio podcast, Abe Abich of Abich FInancial Services highlights the current state of the markets, the dominance of a few key companies, and the potential risks ahead.
Abe also shares a real-life client story, emphasizing the importance of having a well-rounded retirement plan that balances growth and protection.
Lastly, they address the fears and concerns that both men and women face when approaching retirement, offering insights on how to turn negative views into positive actions.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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Many of us spend over a 100 hours a year dreaming about vacation, but how much time do we dedicate to planning for the longest and most significant vacation of our lives—retirement? Abe Abish, founder of Abich Financial, breaks down the process of creating a retirement plan and emphasizes the need to take it seriously.
Additionally, he discusses the impact of taxes on retirement and provides examples of how tax planning can be integrated into the overall retirement plan.
If you're nearing retirement or have already retired without a plan in place, this episode will inspire you to take action and start planning for the next phase of your financial life.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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In this episode, we explore the current state of the market and discuss whether cash is still king or if there are better alternatives to traditional banking. We analyze the dominance of tech stocks in the market and the potential risks associated with it.
Abe Abich shares valuable insights on how to make money on extra reserves and explores safer options for your portfolio. We delve into cash alternatives that offer attractive yields without the risks of the stock market.
Additionally, we address the importance of having a comprehensive retirement plan and highlight the differences between working with specialized retirement-focused advisors versus general investment-focused firms.
Join us as we offer a roadmap for successfully transitioning into retirement and provide guidance on addressing risks, generating income, and achieving financial security. If you're unsure about your financial future or want a second opinion on your retirement plan act now!
Gain more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
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Cautious yet growth-focused, hosts Abe Abich and Heather Branch reveal the crucial missteps pre-retirees must avoid and offer a comprehensive approach to retirement planning, calling for a second opinion and a review of financial status.
In this episode, you will be able to:
- Explore the necessity of formulating a comprehensive retirement strategy.
- Delve into the benefits of a conservative stance amidst the current financial landscape.
- Recognize the importance of an external perspective and continuous evaluation of your retirement plan.
- Discern the varying financial goals between those nearing and living in retirement.
- Acknowledge the value of enlisting a financial planning firm's guidance for retirement enhancement.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
Find even more helpful insights from Abe and his team on Facebook, Instagram and YouTube!
The key moments in this episode are:
00:00:00 - Introduction,
00:01:08 - Recession and Market Volatility,
00:06:49 - Retirement Planning Survey Results,
00:08:23 - Getting a Second Opinion,
Are you nearing retirement and in need of personalized financial advice? Have you heard these common myths about the importance of seeking professional financial advice for retirement planning? Myth 1: I don't have enough money to warrant professional advice. Myth 2: I can do it myself - I don't need a financial advisor. Myth 3: Financial advisors are too expensive. But the truth is, seeking professional financial advice can have a significant impact on your retirement planning. Pat Volk will share the truth and debunk these myths once and for all.
In this episode, you will be able to:
* Understand the value of professional financial counsel for retirement plan development.
- Gain insight into customized retirement strategies for maximum savings.
- Delve into essential retirement planning components like Social Security, pension plans, and taxation.
- Learn subtle aspects of retirement plans including Roth conversions, tax-loss harvesting, and philanthropic distributions.
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Prioritize the protection of your spouse and family with well-rounded retirement planning.
Pat Volk, a seasoned financial advisor at Abich Financial Services has a wealth of experience in retirement planning. With over three decades of experience under his belt, Pat has a unique ability to uncover hidden opportunities and strategies that can have a considerable impact on his clients' financial well-being. Pat's personable, conversational style makes him an approachable expert in the often-complex world of retirement planning. Pat is dedicated to guiding individuals and families through the intricacies of retirement, ensuring they feel confident and secure in their financial futures.
Get more insight from Pat and the rest of the team at Abich Financial on Facebook, Instagram and YouTube!
The key moments in this episode are:
00:00:00 -
Introduction,
00:01:45 -
Dumb Purchases,
00:05:09 -
Planning Your Own Retirement,
00:10:30 -
Working with a Financial Advisor,
00:12:10 -
Conclusion,
Major League Baseball has instituted several rule changes. The pitch clock, bigger bases and eliminating “The Shift” were added to speed up the game. The MLB realized they needed to make changes to stay relevant and keep fans happy. Financial advisor, Abe Abich, explains how they help clients keep up with ever-changing financial rules at Abich Financial Services, and how you may need your own financial shift for retirement. Plus, billionaire Ray Dalio once said “Cash is Trash,” but is now backpedaling on his previous statement. Learn what different investment opportunities you may have.
Plan a time for your complementary second opinion at RetirementKeyRadio.com. And get more insight from Abe and his team on Facebook, Instagram and YouTube!
Abich Financial's Senior Investment Advisor, Pat Volk, shares famous misquoted movie lines from Apollo 13, Field of Dreams, and Jaws to help illustrate risks of DIY financial planning. Discover why relying on internet recommendations or non-professionals for financial and retirement planning could risk your savings.
If you’re looking for a retirement professional to help with your plan, visit RetirementKeyRadio.com. Get more insight from the Abich Financial team on Facebook, Instagram and YouTube!
Welcome to Retirement Key Radio, the podcast that provides helpful insights and guidance on securing a prosperous retirement. Join hosts Abe Abich and Pat Volk, as they share extensive knowledge and passion for creating effective financial solutions.
Join the Retirement Key Radio community and unlock the secrets to a successful retirement. Subscribe now and empower yourself to make confident decisions and secure the financial freedom you deserve. Start your journey towards a fulfilling retirement today.
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
Find even more helpful insights from Abe and his team on Facebook, Instagram and YouTube!
Join Abe Abich on this episode of the Retirement Key Podcast as he uncovers the significant benefits of seeking a second opinion for your retirement savings plan. Discover how a fresh perspective can reveal hidden treasures and expenses lurking within your financial strategy. Additionally, gain insights from renowned author Robert Kiyosaki on investment opportunities amidst current high inflation rates. Schedule your complimentary second opinion at RetirementKeyRadio.com and unlock the full potential of your retirement savings.
Get even more insight from Abe and his team on Facebook, Instagram and YouTube!
In this informative episode of the Retirement Key podcast, Abe Abich, founder of Abich Financial Services, shares valuable insights on how to avoid common retirement mistakes and effectively navigate market risks.
Discover the importance of creating a comprehensive retirement plan, diversifying investments, and maximizing contributions to retirement accounts. Gain valuable strategies to mitigate the impact of market volatility and safeguard your financial future.
Join Abe as he provides expert advice to help you make informed decisions and secure a worry-free retirement. Don't miss out on this essential information!
Looking for more insights on your own personal situation? Connect with Abe and his team at RetirementKeyRadio.com.
Find even more helpful insights from Abe and his team on Facebook, Instagram and YouTube!
How the “ultra-wealthy” manage volatile times and factoring travel dreams into your plan. Connect at RetirementKeyRadio.com. #Virginia #Retirement
Abich Financial's Pat Volk explains the need to keep an open mind when planning for what may come. Connect at RetirementKeyRadio.com. #Virginia #Retirement #SocialSecurity
Your savings should make you happy, but many retirees are afraid to spend. Abe talks about how to create “spending confidence.” Connect at RetirementKeyRadio.com.
Risk is a part of retirement planning, but Abich Financials’ Pat Volk raises a warning flag about not understanding how much risk you carry. Connect at RetirementKeyRadio.com.
2022 taught many DIY investors some hard lessons. Abe talks about 4 ways to take your “cards off the table” once you’ve reached retirement age. Connect at RetirementKeyRadio.com.
Before joining Abich Financial Services, financial advisor, Pat Volk worked in non-profit. Here he explains charitable opportunities (and tax benefits they come with) that you may not know about. Connect at RetirementKeyRadio.com.
Failing banks, unemployment, and empty buildings… it sounds like recession to many. What kind of planning should you consider? Connect at RetirementKeyRadio.com.
If Social Security cuts are made in 2034, are you at risk of losing some benefits? Social Security Risk Score is a new tool to assess your risk. Get your score at RetirementKeyRadio.com.
Economists fear the Fed will crash the economy to lower inflation. Pat Volk explains that retirees need portfolios that add stability, plus reasonable growth to defend against high inflation. Connect at RetirementKeyRadio.com.
Rates are rising and your 401(k) is falling. Abe shares ways to take control of your savings. Connect at RetirementKeyRadio.com.
Abe talks about the critical importance of having a proper withdrawal strategy in retirement. Connect at RetirementKeyRadio.com.
Some say the Rule of 55 is a little-known “retirement hack.” Abich Financial advisor, Pat Volk, explains what you need to know before trying to utilize it. Connect at RetirementKeyRadio.com.
Virginia was just named the top state to retire. Abe shares why he thinks NoVa is great for retirees plus, planning for RMD’s so you’re not forced to take more than you need. Connect at RetirementKeyRadio.com.
Wall Street has been enjoying a rally, but some warn “not for long.” Abe talks about making sense of the mixed messages. Plus, what retired people wish they’d known earlier. Connect at RetirementKeyRadio.com.
As the Fed continues interest rate hikes, economists warn we won’t feel the effects for up to a year from now. Abe shares what this means for those who want to retire in that time. Connect at RetirementKeyRadio.com.
With some predicting another market pullback, Abe explains why you need to check your portfolio’s total asset allocation and the risks of “set it and forget it” investing. Connect at RetirementKeyRadio.com.
The sudden passing of Elvis’ daughter, Lisa Marie, has brought legacy planning to the forefront. Abe shares the story of a woman where he helped protect her savings now and for her children in the future. Connect at RetirementKeyRadio.com.
A recent publication offered 5 tips to survive a recession. Abich Financial advisor, Pat Volk, talks through each point, offering a more in-depth explanation. Connect at RetirementKeyRadio.com.
Higher interest rates to control inflation are new opportunities for investors. Plus taking advantage of the current tax landscape before it ends in 2026. Connect at RetirementKeyRadio.com.
The stock market seems to already be trying to factor in when the Fed will begin to cut rates, but Abe warns to expect more volatility in 2023. Plus, what is in “SECURE 2.0.” Connect at RetirementKeyRadio.com.
Abe shares common financial resolutions that have people calling Abich Financial, plus why “hang in there” may not be the best advice for your 2023 investments. Connect at RetirementKeyRadio.com.
Abe discusses the latest interest rate hikes. Plus, “mailbox money” isn’t just for celebrities…Mimicking the concept in your retirement. Connect at RetirementKeyRadio.com.
Abe shares insight on the latest Bear Market Rally and the Social Security changes coming in 2023. Connect at RetirementKeyRadio.com.
As Jeff Bezos waves a caution flag, Abe shares ideas to help “recession proof” your savings. Plus, is it time for “aggressive tax planning.” Connect at RetirementKeyRadio.com.
Abe shares stories of the major losses he’s seen thanks to high-risk investments, and ideas to better protect your savings. Connect at RetirementKeyRadio.com.
Interest rate hikes are dashing hopes that we could avoid a recession. Abe talks about engineering your own “soft landing.” Connect at RetirementKeyRadio.com.
As opinions that the "60-40 portfolio is dead” continue, Abe shares thoughts on the “50-30-20 portfolio.” Connect at RetirementKeyRadio.com.
Many retirees want to maintain and grow their assets out of fear. Abe talks about ridding yourself of this fear, even in times like these. Connect at RetirementKeyRadio.com.
How long will it take to get back to even after a market crash? Abe talks about “sequence of returns risk,” and defending yourself against it. Connect at RetirementKeyRadio.com.
Market opinions vary from “we need prayer” to “we’re almost out of the woods.” How to manage the chaos on a micro level. Connect at RetirementKeyRadio.com.
Recession history shows that we’ve not seen the bottom yet. Plus, Costco’s CEO says they’ve weathered inflation thanks to vertical integration. Abe shares how they utilize this strategy in building plans for their clients. Connect at RetirementKeyRadio.com.
Recession history shows that we’ve not seen the bottom yet. Plus, Costco’s CEO says they’ve weathered inflation thanks to vertical integration. Abe shares how they utilize this strategy in building plans for their clients. Connect at RetirementKeyRadio.com.
Many say the financial “printing press” is what’s caused current economic turmoil and that the Fed will do whatever it takes to fix it. Abe shares ideas to help protect your savings. Connect at RetirementKeyRadio.com.
Many say the financial “printing press” is what’s caused current economic turmoil and that the Fed will do whatever it takes to fix it. Abe shares ideas to help protect your savings. Connect at RetirementKeyRadio.com.
Connie hoped to retire at 65 but when she went to see a financial advisor, the news was not what she’d hoped. Abe talks about lessons you can learn from her story. Need a checkup on your plan? Visit RetirementKeyRadio.com.
Connie hoped to retire at 65 but when she went to see a financial advisor, the news was not what she’d hoped. Abe talks about lessons you can learn from her story. Need a checkup on your plan? Visit RetirementKeyRadio.com.
The IRS is getting $80 billion to beef up their tax enforcement division, but Abe wants you to know about ways to reduce what you may owe Uncle Sam. Need a retirement tax plan? Visit RetirementKeyRadio.com.
A bear stock market, inflation and possible recession may have you looking at your plan a lot. Some say “just tune out,” but Abe talks about a better way to calm your financial jitters. Need help managing your money nerves? Visit RetirementKeyRadio.com.
That’s the big question market investors are asking. Abe explains how he, like many others, thinks there’s more bad news to come but how you can stay positive and proactive with your savings. Worried about how low it could go? Visit RetirementKeyRadio.com.
Interest rates went up again and more hikes are expected, meanwhile “standard” rules like 60/40 and 4% are broken. Abe explains creating a plan so that you know how much you can spend and won’t run out of money. What can you afford to spend? Visit RetirementKeyRadio.com.
All the talk of “recession” and “inflation” are both confusing and scary, but how should it affect how you plan for retirement? Abe shares ideas on how to help defend your savings. Worried about unpredictable financial factors? Visit RetirementKeyRadio.com.
Jerome Powell admits the Federal Reserve didn’t anticipate inflation rates this high. Plus, why now may be the best opportunity you’ve had to do a Roth conversion. Worried about future taxes? Visit RetirementKeyRadio.com.
Abe shares 3 mistakes savers often make that can derail their plan and make it difficult to get back on track. Worried you may be missing the boat? Visit RetirementKeyRadio.com.
Abe recently chatted with Larry O’Connor, on WMAL, about the current market climate and moves investors can make despite how everything seems to be “down.” Unlock the keys to your retirement, visit RetirementKeyRadio.com.
The Fed continues to raise interest rates as it tries to control inflation. Abe explains why it’s critical to build inflation into your retirement income plan. Worried your money won’t keep up with your lifestyle goals? Visit RetirementKeyRadio.com.
When a hurricane is brewing you board up windows, gather flashlights, batteries, and water. Abe talks about going into “protective mode” with your money. Need to check your allocation? Visit RetirementKeyRadio.com.
Early retirement is a dream for many, but it comes with risks. Abe shares ways to figure out if you’re properly prepared. Wondering if you’re ready? Visit RetirementKeyRadio.com.
“Hang in there, it will come back” is not the advice you want when you’re about to retire. Abe shares the perspective he believes you must have for a “Phase 2” plan. Need a 2nd opinion on your savings? Visit RetirementKeyRadio.com.
Rising interest rates to control high inflation has many wondering whether a recession is coming. Abe offers his insight, plus the tax lessons we can all learn from lotto winners. Visit RetirementKeyRadio.com.
As the Fed takes a more aggressive approach on soaring inflation, how aggressive should you be with your financial plan? Plus, factoring “financial shocks” into your plan. Visit RetirementKeyRadio.com.
Inflation has many rethinking their spending choices and many expecting a recession soon. Seek solace by controlling what you can. And your pillow needs scrubbing… as does your 401(k). What nasty fees are you paying? Visit RetirementKeyRadio.com.
While the Fed works to control inflation, you need to work on controlling your risk because of what rate hikes could do to your investments. And, are you one of the many who pays more taxes than necessary? Connect at RetirementKeyRadio.com.
There’s an actual “underwear index” that shows sales decreased significantly from 2007 to 2009, only to rebound in 2010. Plus, some common retiree tax mistakes. Are you tax ready for retirement? Connect at RetirementKeyRadio.com.
Inflation may last longer than they originally told us. Now is the time to get “dead money” out of your accounts to increase your buying power. Plus, doing the math to get the most out of your Social Security benefits. Connect at RetirementKeyRadio.com.
Seeing your accounts go up-and-down with the market can be stressful. Still, planning your retirement should be fun, not anxiety inducing. Abe lays out some steps in the planning process to help you get out of harm’s way. Take your first step, visit RetirementKeyRadio.com.
The Secure Act did away with the “Stretch IRA.” Now the IRS is developing a new way to collect taxes on your inherited IRA money sooner. How can you keep up with constantly changing rules and avoid paying unnecessary taxes? Visit RetirementKeyRadio.com.
Much like how dentists can ID other issues like cancer, osteoporosis, and diabetes, Abe shares unexpected financial problems he’s uncovered for clients. Plus, a test drive on those free online calculators… the results are shocking. Looking for a human element? Visit RetirementKeyRadio.com.
Inflation is hitting your wallet from many angles, but one major area is driving American’s “financial anxiety.” Abe explains how creating a financial plan is what can give you more control in seemingly uncontrollable times. Be proactive, visit RetirementKeyRadio.com.
Warren Buffett says you need to be fearful when others get greedy, and greedy when others get fearful. Abe talks about utilizing this mindset in retirement planning. Plus, building multiple income streams. Need an income plan for retirement? Connect at RetirementKeyRadio.com.
Speculation continues - When will the Fed raise rates and what will it mean for your investments? Plus, the best advice Abe believes he gives his clients. Looking for guidance in Phase II of your financial life? Connect at RetirementKeyRadio.com.
Our tendency to overestimate the chance of unlikely events, could be ruining your financial happiness. Abe explains how the right plan can help you avoid this, and if you want one of McDonald’s limited menu items you’re going to have to work for it... literally. Connect at RetirementKeyRadio.com.
How can you build a plan that helps protect your savings despite current market volatility? Abe shares ideas, plus many 50-something’s looking at big retirement account balances are asking, “Why not retire now?” Make sure you’ve considered these 4 factors, first. Wondering how soon you can retire? Visit RetirementKeyRadio.com.
The market is up and down, inflation is high, Covid is still rampant… even the so-called “experts” can’t predict where the economy is headed. Abe shares ideas on how to create calm by evaluating your asset allocation. Connect at RetirementKeyRadio.com.
Is it better to make market investment adjustments multiple times a year, or can you have a plan to deal with everything at once? If you’re near or in retirement, you need to think about your portfolio differently. Also, Abe explains why he thinks cash management is just as important as market management. Connect at RetirementKeyRadio.com.
With the obvious exception of being financially stable, what makes people happy in retirement? Abe shares his opinions on how to build a plan for your future happiness. Does your plan have you covered? Connect at RetirementKeyRadio.com.
Christmas marks the “spirit of giving,” but that spirit goes the way of the Grinch when it comes to preparing those gifts. Over half of us say the worst part of the holidays is this one particular activity, and it’s similar to our mindset on retirement planning. Abe talks about how he and his team can help give you a more positive mindset. Plus, with all the talk about a looming market correction, should retirees move into a protective mode? Wondering what moves to make in your portfolio? Connect at RetirementKeyRadio.com.
Over the next decade, retirees will pay $650 billion in taxes on their Social Security benefits! Abe talks about how critical it is to factor taxes into your retirement plan. Also, the fruitcake may be the most-maligned holiday treat, giving it a direct correlation to this common retirement planning tool. Learn more on protecting your savings at RetirementKeyRadio.com.
Economists are now admitting that high inflation may be here for a while. Yet, consumers are still opening their wallets and accepting higher prices. Abe talks about ways to protect your buying power. Plus, if you’re thinking about an early retirement, first check these 7 items. Wondering if you can retire early? Connect at RetirementKeyRadio.com.
Your plan will likely look very different than your parent’s because it has to… Abe talks about ways to use technology towards your planning advantage. Plus, in your working years volatility is not that big of an issue. When you retire, it suddenly becomes a big one. Worried about the amount of risk in your portfolio? Connect at RetirementKeyRadio.com.
“Skimpflation” is something you’ve likely experienced whether or not you realize it, but how can you make sure you’re not getting “skimped” on your retirement plan? And history says the market’s headed for a “Sophomore Slump” in 2022. Learn ways to help protect your retirement investments. Connect at RetirementKeyRadio.com.
Thanksgiving dinner costs could be the highest ever thanks to a knotted supply chain, high transportation expenses, and inflation. Higher prices reduce everyone’s buying power, but how should you factor it into your retirement plan? Plus, the fear of missing out is alive and well for today’s market investors, but greed can come back and bite you. Fight the FOMO, connect at RetirementKeyRadio.com.
The “Great Resignation” includes many older Americans but retiring at 60 instead of 66 tends to be costlier. Abe lists some expenses to consider when retiring at a younger age. Plus, the next time you log in to your retirement account, imagine that the number at the bottom of the page is quite a bit smaller than the one you’re seeing. Connect now at RetirementKeyRadio.com.
50% are being forced to retire before they’d planned. Abe shares ideas on what you can do now to help protect your future self from an early exit of the work world. Plus, most millionaires share this particular trait and it’s one that you too can implement into your own savings plan. Learn more at www.RetirementKeyRadio.com.
Unfortunately, your sleep issues may not dissolve after you leave the 9 to 5. Experts say silencing the alarm can lead to irregular sleep patterns and disorders, but the last thing retirees want to lose sleep over is money. Abe explains how a proper plan can act as “sleep insurance.” Plus, could “stagflation” make a return in the 21st century? Learn more at www.RetirementKeyRadio.com.
For many retirees, the payment difference encourages them to wait before taking Social Security, but how do you make up the income gap in your early retirement years? Abe talks about income strategies he’s built for clients. Plus, how to handle your “sequence of returns risk.” Learn more at www.RetirementKeyRadio.com.
New Bills in Congress could create a capital gains tax on estates and raising social security payroll taxes. Abe shares ideas on ways to begin your tax planning now. Plus, Fall tends to be a volatile time for the stock market. If you’re worried about risk levels in your retirement accounts, visit www.RetirementKeyRadio.com.
“Tax season” means Feb – April for most of us, but that’s tax filing season. Another tax season that’s coming up is tax planning season. Abe talks about what you can do now - Dec to possibly reduce your tax burdens. Plus, what to do if your company’s pension goes to a 3rd party. Need to weigh out your pension option pros and cons? Visit www.RetirementKeyRadio.com.
It seems many of us are suffering “investor amnesia” thanks to the long bull run, but if 2008 happened again what would that mean for your retirement? Plus, RMD’s should not be your guide to how much you can spend. Get to work on your retirement income plan and visit www.RetirementKeyRadio.com.
The number of retirement account millionaires is at an all-time high! The problem is that many of us suffer from short term memories. Abe is joined by financial advisor, Pat Volk, to talk about what could happen to your retirement if we have another 2008. Plus, many believe that $1.9m is the “magic number” for a comfortable retirement. How much will you need to have socked away? Visit www.RetirementKeyRadio.com.
There are warnings about big problems for state and local government pensions because of underfunding. Abe talks about what that might mean for those planning for this kind of income. Plus, why so many retirees are hesitant to start tapping into their nest egg. Learn ways to increase your spending confidence. Visit www.RetirementKeyRadio.com.
Approaching retirement with a nice big IRA?... You’re probably not as wealthy as you think, because of deferred taxes. Also, saving for retirement is the important and obvious first step, but then what? Wondering where to go from here? Visit www.RetirementKeyRadio.com.
Social Security should replace 40% of your income, but some estimates say it may dwindle to less than 30%. Abe explains how to make up the difference. Plus, high 401(k) fees can cost tens-of-thousands of dollars over the course of a career. Need a 401(k) X-ray? Visit www.RetirementKeyRadio.com.
We spend a lot of time thinking about how to make it to retirement, but what will you do when you finally get there? Abe explains why a “lifestyle” plan is a critical part of your overall plan. And you’ve heard about Roth’s, but did you know that life insurance can also be used to help manage your taxes? Learn more at www.RetirementKeyRadio.com.
Crypto currency: Some think it’s nothing but a scam, others are confident it’s a good investment, but is there a place for it in our retirement plans? Also, Abe explains why part of your retirement plan should be a lifestyle plan. Worried about running out of money? Visit www.RetirementKeyRadio.com.
Retirees admit that guaranteed income makes a bigger difference than they thought. With pensions becoming scarce, how can you do this yourself? Plus, a major downside to 401(k)s. Learn ways to Replace Your Paycheck at www.RetirementKeyRadio.com.
A recent article says you can “manage your 401(k) without lifting a finger!” Abe points out the problems in this kind of thinking. Also, life insurance can do more than just protect a young family. Learn how you can make it a tool in your retirement plan. Visit www.RetirementKeyRadio.com.
Employer offered retirement accounts are not static. Abe explains how to get clarity on your 401(k) and other retirement accounts. Plus, 3 in 4 workers are missing one major step in planning their retirement, and studies warn that you’re “flying blind” if you don’t have one. Do you have everything you need for retirement? Visit www.RetirementKeyRadio.com.
New Jersey CPA’s are telling people to leave the state if they want to save more money. Abe talks about clients who’ve utilized “relocating” as a retirement tax strategy. Plus, how can you customize an annuity to fit your needs? Visit www.RetirementKeyRadio.com.
As you approach retirement, should you adjust your market risk? Abe talks about adjusting market strategies as you transition from a “growth phase” to a “spending phase.” And how do you know when you can really afford to retire. Need help figuring out your time frame? Visit www.RetirementKeyRadio.com.
There’s a new record high number of million-dollar 401(k) and IRA accounts. But, with rumblings that the bull market may be nearing an end, many are wondering where to go from here. Plus, have you been offered a company “buyout” offer? Abe talks about what you need to consider before accepting, or rejecting, that offer. Have questions about your retirement options? Visit www.RetirementKeyRadio.com.
Every so often economists are caught off guard by an unpredictable “Black Swan” event. Some experts say we’re in the early stages of one of those events right now with rising inflation rates. Abe talks about strategies to help protect against inflation and shares the purpose behind his own legacy plan in effort to give you some thought starters. Learn more at www.RetirementKeyRadio.com
President Biden’s new programs may cost $700 billion more than he projected. Many think this will create higher taxes for even those who make less than $400k a year. Plus, a typical retirement portfolio contains a mix of stocks and bonds, but the WSJ says you’re overlooking a 3rd investment option. Abe talks about the opportunities you may be missing. Curious about your retirement investment options? Visit www.RetirementKeyRadio.com
The Fed insists recent inflation increases are only temporary, but some experts disagree. Abe shares ideas on how you can work to prepare for future inflation. Plus, there is something special about your 60s and the opportunities you have with your IRA’s. Want to learn more about maximizing your IRA advantages? Visit www.RetirementKeyRadio.com
Investors have put more money in stocks in the last 5 months, than they did in the previous 12 years combined! With a growing market “bubble” that could pop at any time, Abe shares examples of how you can protect your investments. Plus, everyone used to say “save in a 401(k)… it’s tax deferred!” That was then. Now, you may just be sitting on a big bag of tax. Worried about the taxes you might owe in retirement? Visit www.RetirementKeyRadio.com
Jim Lovell, commander of the ill-fated “Apollo” 13 moon mission, says he never considered himself to be a risk taker and doesn’t do anything without knowing, and weighing, the odds. Abe explains the benefits of having this mindset when creating a retirement plan. Plus, what should you do if offered a lump sum buyout offer on your pension? Have questions about your retirement options? Visit www.RetirementKeyRadio.com
Many advisors focus on investment management, but a retirement plan needs tax, social security, RMD and other strategies. Does your plan cover these areas? Plus, everyone has opinions about annuities, often because they don’t understand them. Abe explains the different types available and how they might work for you. To learn more about building an income plan for your retirement, visit www.RetirementKeyRadio.com
There are some common mistakes we make with our IRA accounts. Abe points out these areas and offers solution examples. Plus, an analyst is warning that a big correction is coming to Wall Street. If you want to check the risk level in your retirement plan, visit www.RetirementKeyRadio.com
Google searches on the word “inflation” have spiked in the last month. Abe explains why. Plus, there’s an old saying, “You don't know what you don't know” …and that could be costing you a lot of money! Want to make sure you KNOW everything that’s going on with your money? Visit www.RetirementKeyRadio.com to plan your portfolio analysis.
96% of Americans think Social Security is one of the most important programs we have... meanwhile, some experts say that it’s basically just like using an annuity. Abe clarifies this theory and how it might relate to your plan. Plus, it’s time to do some aggressive tax planning. Do you have a proper tax strategy for your retirement? Visit www.RetirementKeyRadio.com.
Abe explains why he believes most financial plans could fail in the coming years and the dangers for those planning to retire in this time. Plus, this is one of the most misunderstood retirement planning tools, but it might be the investment opportunity you’ve been wanting!
Lack of proper planning and preparation in this area can cause big problems with the IRS. Abe shares ideas on how you can get prepared. Plus, as we grow older our risk tolerance usually gets lower. So, why should you still keep some stocks in your retirement portfolio?
44% of people in a committed relationship are keeping financial secrets from their significant other. Abe talks about how he and the team help couples work through difficult financial conversations. Then, if you’re among those cheering the recent GameStop frenzy, you might want to re-think that enthusiasm.
The hot stock market has some strategists worried about the “bubble” that may be about to burst. Abe shares ideas on ways to gauge your risk tolerance. Also, these once common truths about retirement, have now become common myths.
What kind of approach should your financial advisor take when creating your plan? Abe shares what he thinks you should expect from an advisor. Plus, RMDs will likely be back this year. What does that mean, from a planning standpoint?
If you have some of your retirement funds in stocks, you might be a little worried as we keep seeing the markets climb higher, but we keep hearing that the economy is weak. Abe shares ideas on how to find balance. Plus, why more Americans are feeling less confident about their ability to retire.
Abe sits in the hotseat to offer his thoughts on why women are so commonly frustrated by the financial services industry and the steps he’s taking to remedy this common problem. Also, we continue to watch the growth go higher and higher, so why shouldn’t we all be “all in” in the market this year?
Some of the ideas seem basic, yet many of us often neglect these simple things. Abe talks about the steps you can take to work on improving your financial position in the new year. Plus, some are hinting at another age raise on RMDs this year. What can you do now to prepare?
The question we all want answered depends on these 3 basic factors. Abe talks about how to prepare. Plus, what is it about the month of November that tells us if more market gains are on the way?
From the crash in March to the highs by year’s end, we’ve seen about a decade's worth of price swings crammed into half a year! Abe talks about how to prevent falling into the common buy/sell patterns of a volatile market. Plus, why many are financially optimistic for the new year.
A survey found that the average baby boomer has $920,000 saved for retirement, but expects to spend about $135,000 a year in retirement. At that rate, you’ll run out of money after 7 years. Abe talks about ways to work on your income versus spending plan. Plus, retirees considering a financial adviser say these are the top issues they want professional help with.
We all cheer with glee that the political ads have stopped! But with all of the recent attention on the election, you might have missed the news that Congress is considering another retirement bill. Abe explains in simple terms what the “Securing a Strong Retirement Act of 2020” legislation means, and how it could impact your required minimum distributions. Plus, an eye-opening yet positive story concerning the fear many have about running out of money.
As we wrap up 2020, many are not only happy this year will be over… But thankful to see how well our investment accounts bounced back from the market crash in February! However, some of the investing gurus say we still haven’t fully recovered from the economic impact of the pandemic that caused the crash. Today Abe answers a question many baby boomers are wondering: Do we need to re-think our portfolio and retirement before 2021?
People often assume they’re diversified because they own something like an S&P 500 index fund. But all that means is that your stock holdings are diversified – Not your overall portfolio. Abe explains the BIG difference, and how he and the team recently helped a couple become better diversified with their investments and ultimately have a more positive outlook about their future. Plus, how to find the positives about your retirement by creating goals and a plan!
After Abe clarifies why you need to revisit the taxes you pay on your portfolio before the end of 2020, we dive into the reality of what to consider when facing a forced early retirement. Yes. We’ve been through economic downturns in this country, but there’s something unusual about this one: Unlike previous downturns, the unemployment rate is now higher among older workers. Abe explains how he’s seen this become a harsh reality, and more importantly how he and the team help people like you navigate your way through the BIG decision: Can you retire?
One of the biggest news stories has been the claim that over the last 10 years President Trump paid little, or no, taxes. It’s well known that ultra-wealthy Americans have legal ways of reducing the amount they pay in taxes. If you’re part of the middle class and wondering what you’re doing wrong, this episode is for you!Abe uncovers what all of this REALLY means, and how to find out if you’re able to legally lower the taxes on your portfolio. Plus, a helpful reminder to double check the fees that you’re paying on your retirement accounts.
We all have our own view of how we’d like to see the election end up in November. Many Americans are nervous about how the results will impact wall street, main street and our taxes. In other words… our entire bottom line! Abe explains how he and the team are helping people make calm proactive decisions, and what you should consider for the future of YOUR retirement. This episode is focused on what you CAN control… in addition to your vote!
Market performance typically correlates to the overall economy. But lately, the markets have soared – even as the economy continues to struggle. Abe answers a question many of us are wondering: Are we in more trouble than we realize? In light of the political and news climate… This may feel like the worst time to do anything other than focus on getting through the craziness… much less altering your financial plans! Even though we’re all facing uncertainty, this episode spotlights what you CAN control financially… and how to NOT let headlines or politics dictate your fiscal future.
If you’re judging the performance of your money based solely on the rate of return, Abe explains that financial termites could be eating away at your portfolio if you’re not also considering the fees you’re paying. Plus, you’ll hear the incredible adventure one couple is planning for when they stop working… and find out why including fun money items in a financial plan is a priority.
This fall is expected to be rough for the industries hit hardest during the pandemic. That’s when certain payroll protection provisions under the CARES Act expire, which means a new wave of layoffs are expected. Abe gives encouragement and advice for those near retirement who are concerned their job could be in danger. He also clarifies one of the downsides of maxing out your 401(k): Without proper planning, it could increase the taxes you owe on Social Security.
Informing people about their financial options has always been a priority for Abe, and today we highlight why recently became a Certified Financial Fiduciary, and how it benefits people like you. Then he breaks down how this headline impacts your wallet: The U.S. economy contracted almost 33% between April and June, our worst drop on record! Abe discusses out how to make sure your personal economy is moving in the right direction, so that you have income when you stop working!
Even though the markets have been doing well, the overall economy seems to be struggling. Abe addresses of what we’re all wondering: Are we headed for another record high? Or should we listen to our gut and start paying more attention to the amount of risk we’re taking? Abe explains how to approach the financial uncertainty you may be feeling, and how he recently helped one couple uncover how much risk they had no idea they were taking!
Some normalcy returning in the world of sports with a 60-game baseball season. Bobby Bonilla hasn't played MLB in nearly 20 years. However, the Mets have been paying him over $1 million per year since 2011… and will until 2035. Bonilla made a smart decision and put off immediate financial gratification and opted to defer his contract buy out, so he has plenty of income coming in during his retirement! Abe explains how he recently helped a couple create their OWN retirement income plan, and how you can do the same… Stop working on your terms and pay yourself when you retire!
After a nostalgic “Days of Our Lives” flashback, Abe reveals some common financial beliefs that haven’t stood the test of time, and how they could damage your financial future if you aren’t careful. But don’t worry, he also explains how you can avoid them!
The travel industry has been hit incredibly hard from the virus and economic downturn. From Boeing to hotels and airlines… layoffs and early retirement packages have become a reality for millions of Americans. On this episode, Abe discusses how to deal with this overwhelming personal finance obstacle… and how to prepare in advance for the “what ifs”of life when it comes to retirement.
Americans have been forced to spend more time at home since Covid-19 began. Since we’ve now cleaned out every closet and baked every bread recipe on Pinterest… Abe explains why and how we should use any free time to be proactive with our financial future. Also, since the market crashed in March, stocks have been mostly up – prompting talk of a new bull market. But is it for real? Considering Abe’s #1 focus is helping baby boomers, he explains why the worst may not be over and how to prepare.
One of the best ways to get through a recession is to have multiple sources of income. Abe explains how you can to build that into your retirement… And considering the volatility we’re still seeing on wall street; he gives insight about how often baby boomers should be checking their retirement money. Plus, a fun (yet helpful) story of how a client reacted to a strategy Abe explained by saying: “A potential 6% tax free return gets me hot!”
The Dow and S&P 500 closed out April with their best monthly gains in more than 30 years. Does that mean our economy is back on track from the COVID-19 attack? Not according to some economists. With this in mind, Abe breaks down the actions Baby Boomers should take to make sure they can weather a possible looming recession.
Topping just over $2 trillion, the largest stimulus package in American history is now moving throughout the economy. As we continue to adapt to many changes, Abe clarifies how we must also prepare for changes to our future taxes in retirement… And how we can be as efficient with those taxes as possible.
If you were hoping to retire in the next few years, you’re likely wondering if you need to keep working until the chaos passes… And you’re not alone! The financial downturn has dropped some American’s retirement accounts down anywhere from 25% to 45%, depending on how they’re invested. On this episode, Abe tells the story of how he has walked a client through doing the math and building a retirement income plan, to find out if she’s still able to retire on her terms!
After Abe & Kristen discuss making the best out of life at the moment, they address how many Americans over age 55 are faced with some hard decisions after being recently laid off or offered an early retirement buyout. The harsh reality is that your retirement could be much different than you expected, but not necessarily. Before you rush into a decision that could affect you and your family for the rest of your life, listen to Abe explain how to step back and evaluate your options.
50 years ago, during the Apollo 13 mission the infamous “Houston we have a problem” quote was born. Just as the crew did under distress that day, Abe explains that during our current crisis it’s important that we remain calm, realistic but still positive as our routine and economy continues to change… And more importantly, how to take more control!
Taking a much-needed break from the news. On this episode we’re introducing you to every member of the Abich Financial team! We’ll hear fun insights of how their “physically distanced working from home”life is going with their families. Plus, Abe explains what soon to be and current retirees need to know about sequence of returns risk… especially right now.
Abe shares the silver lining he’s experiencing during this time of uncertainty, which is kindness and compassion with each other. He also explains how to approach our personal economy, especially if you intend to retire in the next year or so. Plus, the GOOD NEWS of how he helped one client achieve her goal!
We’re all staying home to try and stay healthy, but the market certainly doesn’t feel very healthy right now! Abe tells the story of a couple he helped “financially distance” the money they need to live comfortably away from Wall Street… and how they’re still enjoying life during this volatile market!
As if the hysteria of this pandemic wasn’t enough, the closing numbers of the market on Friday wrapped up U.S. markets’ worst week since the 2008 financial crisis. Abe discusses what soon to be and current retirees need to stay focused on given the latest wall street drops.
The coronavirus fueled a major market tailspin this past week. Abe explains how to prepare in advance for times like this with diversification… and how even pensions aren’t immune to the volatility.
A significant rise in Coronavirus cases triggered some major volatility on Wall Street recently. If you’re like most savers, you got a bit nervous and reacted by checking your investments and 401(k)s. On this episode Abe explains how to plan around these unexpected events possibly draining your retirement.
Some Fidelity customers went through a brief nightmare recently when they logged into their online accounts, and saw they had a balance of ZERO! Thankfully it was only a technical issue and was resolved within hours. However, it’s a good reminder of how quickly many lost a large portion of their retirement money in the stock market crash of 2008… And how it took so many years to recover those loses. Abe explains that given the current market highs and dips, we need to be prepared for the what ifs… But not seek too much safety.
Baby Boomers could learn a lot from Millennials when it comes to technology and social media. Should we also should follow how their approach to investing? The short answer…. No! Abe explains how approaching your financial life aggressively can damage the future of those over 55, and why you need an efficient and consistent income plan.
44% of us admit to hiding a bank account or debt, or to spending more money than our partner would be comfortable with… That’s according to a study from CreditCards.com. And over a quarter of adults say financial infidelity is worse than an affair! Abe explains how he’s helped a few of his clients work through financial infidelity, and why it’s important that spouses be on the same page about money.
You’re probably loyal to some name brands items instead of the generic options. Maybe coffee, clothing, or even ketchup? On this episode we tackle a pricier dilemma: Can generic rule-of-thumb financial advice hurt your retirement? Abe explains how he helped one couple better understand how they could create a retirement income plan that allows them to spend more than they realized was possible, by NOT following generic advice.
We live in a do-it-yourself world. Want to put new flooring in your home, fix your car or learn to play guitar? Just Google it and you’ll find all the advice you ever could want. You can DIY your retirement… But does that mean you should? On this episode, Abe explains what to consider if you’re thinking of going it alone… and when you may want to reach out to a financial professional.
Recently an AARP study revealed some jarring numbers: Americans who are 50-and-older make up just 35% of the population…but they pay 59% of all the federal income taxes! On this episode, Abe explains how he helped a couple make changes to be much more efficient with their retirement tax strategy. Plus, the story of how Abe and his team uncovered over $15,000 in annual fees one couple wasn’t aware of.
At the end of 2019, Congress passed, and President Trump signed the SECURE Act, which will inevitably affect most retirement savers in some way. Is this good or bad for your retirement? On this episode Abe explains how this is already impacting his clients and clarifies what the changes in the required minimum distribution (RMD) age and inherited IRAs mean for you!
We’ll get in the holiday spirit by hearing some adorable kids talk about what Christmas means to them! Plus, an interesting take on one of the items that the wise men brought as a gift for Jesus… and what people are using it for today.
Candy is something simple we enjoy (especially at Christmas), but you won’t believe how complicated taxes can be for a mere Kit Kat bar. Confusion over a 75-cent candy bar is one thing – but confusion over taxes with our retirement money is another. Today Abe discusses how we should approach the whole tax question, in terms of our retirement. Plus, why women should ask more questions of their financial professional.
Whether you have $500,000 or $5 million, Abe reveals that most people (including you)typically share the same top concern about retirement… and how to resolve that anxiety. Plus, why and how to roll over your retirement money when you leave a job.
If the market goes up, that’s obviously great for your personal economy! But on this episode, Abe discusses if too much of a good thing can lead to a meltdown of your retirement. Plus, Abe explains the vital importance of having a Legacy plan in place by telling the story of what happened to a client recently.
Remember how excited you were to receive your 1st paycheck from you very 1st job? Do you also remember that gut-wrenching moment when you found out all of the money you earned didn’t actually belong to you? Abe explains how the hard lesson we experienced with our 1st paycheck still applies (in fact, matters even more) to your prime earning years, and when you stop working.
What do President Reagan and President Trump have in common? They both cut your taxes! Abe brings to light what many are missing regarding the current tax cuts and retirement. Plus, he reveals how future tax rates can negatively impact your social security income and tax deferred accounts, but don’t have to if you’re using the most effective strategy. And since many baby boomers are concerned about out-of-control healthcare expenses draining their retirement, Abe explains how to best account for those future costs.
Abe sits down with Rock and Roll Hall of Famer Jonathan Cain of Journey, who wrote some of the biggest hits for the band. They have a sincere conversation about Cain’s faith and family, why he spends a good amount of time in D.C., and his hope for the legacy of Journey. He also reveals his surprising “rock star” perspective about money and investing.
As a longtime baseball fan, Abe’s more than excited that the Washington Nationals made it to the World Series! On this episode he explains what America's pastime has in common with our retirement, and tells the story of a lady who’d won the game already… But didn’t realize it until he did the math. Plus, with recent headlines about pensions failing, Abe weighs the pros and cons of taking monthly payments verses the lump-sum option, and what it means for you financial future.
With another year is flying by, Abe uses this episode to address what you need to be doing now to be tax efficient with your retirement in 2020… and beyond. You’ll also hear a real-life retirement reality of why rising healthcare cost should be vital part of your retirement income plan.
An insightful conversation with former Redskin Santana Moss about the mind shift change he went through after being a successful NFL wide receiver for 14 years, to retiring. Abe and Shelly also talk to him about the biggest influences in his life, overcoming odds and embracing opportunity, and his 89 Ways to Give Foundation. Plus, his perspective on what’s happening with the Redskins on the field now.
Future NFL Hall of Famer and Redskin Adrian Peterson joins Abe & Shelly to discuss various aspects of his life: Giving back with his wife Ashley and their A & A Peterson Family Foundation, overcoming adversity, life on the football field, and his insight on the Redskins this season.
For some, the word “budget” conjures up negative feelings. Abe explains how a budget can often be a positive and fun part of planning for the future. And if tax portion of your retirement feels intimidating, don’t worry… you aren’t alone. Abe tells the story of a former tax attorney who turned to him for help concerning taxes, RMD’s and the future of her retirement.