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Abrams Insurance Solutions, Inc.

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Abrams Insurance Solutions, Inc.

https://abramsinc.com Abrams Insurance Solutions will show you how to grow your wealth safely and minimize taxes while avoiding the risks of Wall Street.

To help clients grow their wealth, I have a very unique approach in that I help people find money that they are currently losing unknowingly and unnecessarily. These wealth transfers often occur in the following areas:

• Type of mortgage you have or lack of one
• How you fund retirement plans such as a 401(k), IRA, SEP, etc.
• How you pay for college
• Income taxes
• How you finance and pay for l

arge purchases such as cars, weddings, etc. Your financial strategy is much more important than the products you own and I will make sure you are being as efficient as possible with your financial resources. There is no charge or obligation for my financial consultation and I often help clients find thousands or tens of thousands of dollars that they are wasting every year. Contact me to discover if your mortgage or retirement plan is benefiting you as much as possible. If you are frustrated with the lack of access and control of your money in your 401(k) or stressed about the timing of the next stock market dive - I have solutions for you. These solutions will help you safely grow your money with preferential tax treatment and no market risk. If you want more flexibility and control with your savings, and less risk and fees, I will be glad to share these options with you. Abrams Insurance Solutions offers independent personal financial analysis, planning and advice to families and small businesses across the U.S. I represent over 70 of the top rated insurance companies and will shop each and every one to find you the best and least expensive policy for your unique circumstances. Disclosure: https://www.simplicitywealth.com/social-media-disclosures/

06/02/2026

Kevin and Steven both retire at 65.

They each have $1.5 million saved.
Same plan. Same withdrawals. Same long-term average return.

But their outcomes couldn’t be more different.

Kevin retires into a strong market.
His portfolio grows early, even while he’s taking income.

Steven retires right before a downturn.
The market drops, and he’s forced to withdraw from a declining portfolio.

Same strategy. Same discipline.
Different timing.

Fast forward 20 years…

Kevin is in great shape.
Steven is running low.

What caused the gap?

Sequence of returns risk.

It’s not just about how much the market returns.
It’s about when those returns show up.

When you’re working, downturns can actually help.
You’re buying in at lower prices.

But in retirement, the early years matter more than people realize.

Losses early on can create a hole that’s hard to recover from, even if the market eventually rebounds.

Same average return.
Very different outcome.

That’s why retirement planning isn’t just about hitting a number.

It’s about building a strategy that can handle bad timing.

Because the market will fluctuate. That part is guaranteed.

What’s not guaranteed is that your plan can handle it.

05/25/2026

Today isn’t about a long weekend.

It’s about remembering the men and women who gave their lives in service to this country.

The freedoms we enjoy, the opportunities we have, and the ability to build a life on our own terms… none of that exists without sacrifice.

Memorial Day is a reminder to pause. To reflect. And to appreciate what’s been given to us.

Grateful for those who served and made the ultimate sacrifice, and for the families who carry that legacy forward.

Wishing everyone a meaningful and reflective Memorial Day.

05/22/2026

Did you know you can sell your term life insurance policy for cash?

If your policy no longer serves its purpose, selling it could provide you with a lump sum to use for retirement, medical bills, or other financial needs. It's a smart way to turn your policy into value while you're still around to enjoy it!

Learn more about how to sell your policy and if it's the right choice for you in our latest blog post. 👉https://abramsinc.com/sell-term-life-insurance-policy-for-cash/

05/19/2026

No one handed you a benefits package when you bet on yourself.

You are your own HR department. Your own CFO. You own everything. And if you're planning to grow your family, you're also the only one who can build your maternity plan because no employer is going to do it for you.

Here's the reality that most self-employed women don't discover until it's too late:

A 6-to-8 week recovery window isn't just a personal milestone. For a solopreneur or small-business owner, it's a business-continuity event. When your income depends on your presence, stepping away without a plan is risky.

Individual Short-Term Disability Insurance was built for exactly this moment.

Here's what it can do for you:

→ Replace up to 60% of your income (up to $3,000/month) during your leave
→ Cover essential overhead while you're away from your business
→ Access unisex rates, meaning you are not penalized in the market simply for being a woman

That last point matters more than most people realize. Many women are surprised to learn that individual STDI offers rate equity that group plans often don't.

One thing every planner needs to know: the 9-month rule. For a routine birth to be covered, your policy must be active at least 9 months before your due date. This is not a reactive purchase; it's a proactive strategy.

You built your business with intention. Protect it with the same energy.

📖 Read the full guide: https://abramsinc.com/short-term-disability-insurance-for-maternity-leave/

05/18/2026

The stay-at-home parent in a $300k household isn't a dependent.

They're infrastructure.

I've sat across from high-earning families where one spouse is driving the income and the other is running everything else... childcare, school logistics, household management, scheduling, the invisible layer that makes a high-performance career possible in the first place.

On paper, it's a one-income, but in reality, it's a two-person operation.

Here's what I've watched happen when that system loses one of its people:

The working spouse doesn't just grieve. They scramble.

Childcare needs to be hired. Schedules need to be managed. The logistics that ran quietly in the background now cost real money...and real time. I've seen careers scaled back, opportunities passed on, and income drop — not from financial failure, but because the support structure disappeared overnight.

That's the gap most financial plans miss entirely.

We insure the paycheck. We forget to protect the system that makes the paycheck sustainable.

If your household runs on two roles, regardless of how many paychecks it produces, both roles deserve coverage.

Because the goal was never just to protect income.

It's to protect the life that income was meant to support.

Is that part of your plan? If not, it's worth a conversation.

05/15/2026

Consistency always beats intensity.

Consistency isn't flashy. It’s the workout you didn’t want to do, the page you forced yourself to write, or the follow-up call you made when you felt like quitting.

Why consistency always beats intensity:

It Builds Self-Trust: Every promise you keep to yourself is a vote for the person you want to become.

It creates a "Floor": Intensity helps you reach your peak, but consistency ensures your "bad days" are still productive.

The Compound Effect: Small, incremental gains are invisible daily but mathematically impossible to beat over time.

The Strategy: Don’t aim for 100% every day. Aim to never miss twice.

Life happens - You’ll miss a day or a deadline. The difference between those who finish and those who stall lies in how quickly they get back into the routine. Success is simply being the one who didn't get bored and move on.

What’s one small habit you’ve kept consistent lately? Let’s hear it below. 👇

05/14/2026

You've spent years building your career with intention — negotiating titles, earning seats at the table, managing risk at every turn.

But there's one risk most high-achieving women haven't fully planned for: the financial gap that arrives with maternity leave.

FMLA protects your position, but it does not protect your paycheck.

With only 27% of workers receiving employer-paid leave, many executives and directors discover too late that their income disappears right when their expenses grow.

That gap has a name, "the Maternity Gap," and it is entirely plannable.

Short-Term Disability Insurance is the strategy most financial advisors don't talk about until it's too late. Here's what makes it powerful for women at your level:

→ Tax efficiency: When you own the policy personally, benefits are generally received tax-free.
→ Portability: Your coverage moves with you... through promotions, firm changes, or pivots.
→ The 9-month rule: This is the most critical detail. For a normal delivery to be covered, the policy must be in force before conception. This is not a last-minute decision.

The women I admire most plan for every contingency in their professional lives. This is an invitation to apply that same rigor to your personal financial strategy.

Your career is your greatest asset. Protect the income it generates.

https://abramsinc.com/short-term-disability-insurance-for-maternity-leave/

05/11/2026

5 Habits to Fix Your Future (and Your Finances)

Most people treat symptoms instead of causes.
They manage stress instead of building resilience.
They chase "hot tips" instead of building a strategy.

→ 1. Move your body every single day.
Not for aesthetics, but for discipline. Physical movement regulates your nervous system. If you can’t master your own body, you’ll never have the discipline to master a complex wealth strategy.

→ 2. Read before you react.
Spend 20 minutes a day with a book, NOT a news feed. Most financial "noise" is designed to trigger a reaction. Deep learning is what builds the conviction to stay the course when everyone else panics.

→ 3. Strategize before you spend.
Before you sign the check, know the tax impact. Inefficiency is a "leak" in your system. Engineer the win before you deploy the capital.

→ 4. Do the hard thing first.
The estate planning or tax-free retirement setup you’ve been avoiding? That is the move that moves the needle. Eat the frog before you check your emails.

→ 5. Audit your "leaks" daily.
Take five minutes to reflect. Where did your time go? Where is your wealth losing power to taxes or fees? Most people react to the market; successful people build systems that ignore it.

Most people hope for a stable retirement. Successful people architect one.

Bonus - Sixth: Leverage.
Don't just work harder. Leverage your assets.

How do I use leverage? I help clients use strategic cash flow and OPM (Other People’s Money) to grow wealth without increasing risk. It’s about getting results in years, not decades.

Which of these 5 habits are you focusing on this week? Drop a comment or reach out to me if you want to dive deeper into the strategy side.

05/07/2026

Most people think Long-Term Care insurance is about paying for a facility. It’s not.

It’s about protecting your family from having to become full-time caregivers. The math is getting harder to ignore:

💰 Home Care is hitting $80k/year.
💰 Nursing homes are crossing the $125k mark.

If you don't have a dedicated plan, your "plan" is actually your spouse or your kids' inheritance.

I’ve spent the last few weeks updating my Complete Guide to LTC for 2025 to help you navigate the new rates and options: https://abramsinc.com/long-term-care-insurance/

Quick question for the group: Have you ever had to help a parent navigate long-term care? What was the biggest surprise you ran into?

05/01/2026

Is your estate plan built for 2026, or a landscape that no longer exists?

Most families focus on diversifying their portfolios but forget to plan their estates for tax efficiency. Between the 10-year IRA distribution rule and state-specific tax cliffs, your heirs could be looking at a 40% "tax haircut" they didn't see coming.

In my latest article, I discuss:

The "Step-Up" vs. Gifting Trap: Why giving it away now might be a mistake.

The Silent State Cliff: How living in the wrong state (or owning property there) changes everything.

Structural Alpha: Using institutional leverage to protect your legacy.

Don't let the IRS be your primary beneficiary.

Full article here 👇
https://www.linkedin.com/pulse/wealth-passed-down-today-how-much-actually-reaches-next-chris-abrams-c1uvc

Address

3525 Del Mar Heights Road Ste 1052
San Diego, CA
92130

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	8am - 5pm

Website

https://abramsinc.com/

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