This conversation explores the feasibility of retiring early, specifically within three years or less. The hosts discuss essential factors such as health insurance, budgeting, maximizing retirement contributions, understanding social security benefits, and managing debt. They emphasize the importance of having a solid financial plan, including an emergency fund, to ensure a smooth transition into retirement. The discussion is aimed at providing listeners with actionable insights and strategies to achieve their retirement goals.s. They explore the benefits of part-time work in retirement, the significance of creating a structured schedule, and the implications of Social Security on retirement income. The conversation also addresses listener questions, providing insights into various retirement strategies and financial planning considerations. Reach out to Will  at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this episode of The Absolute Retirement Planning Show, the hosts discuss the various concerns surrounding retirement, including the realities of financial planning, stock market volatility, social security benefits, health and wellness, and the impact of inflation on retirement savings. They emphasize the importance of having a solid financial plan in place to navigate these challenges effectively. In this episode of the Absolute Retirement Planning Show, the hosts discuss various personality types that can affect financial decision-making, particularly during family gatherings like Thanksgiving. They explore the challenges posed by constant debaters, impulsive drinkers, and gadget addicts, and how these traits can lead to poor financial choices. The conversation also includes listener questions about protecting investments and estimating future returns, emphasizing the importance of open communication and professional guidance in financial planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this episode of The Absolute Retirement Planning Show, the hosts discuss the realities of retirement planning, particularly for baby boomers. They emphasize the importance of budgeting, understanding healthcare costs, and the risks associated with investments. The conversation also touches on lessons learned from financial scams and the significance of tax planning in retirement. Overall, the episode provides valuable insights for listeners looking to navigate their retirement planning effectively. In this episode, the hosts discuss various financial topics, including the downfall of Elizabeth Holmes and Theranos, the legendary bank robber John Dillinger, the mystery of DB Cooper, and practical advice on 401k loans and retirement income strategies. They emphasize the importance of professional financial advice and communication between financial advisors and tax preparers to ensure optimal financial planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this episode of the Absolute Retirement Planning Show, hosts, Will Gonzalez, and Osama Abaza discuss the importance of aligning retirement planning with the changing seasons. They emphasize starting early with savings, maximizing contributions during peak earning years, and preparing for retirement by rebalancing portfolios. The conversation also covers managing distributions in retirement and the significance of legacy planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this episode of The Absolute Retirement Planning Show, Will and Osama discuss essential strategies for effective retirement planning. They emphasize the importance of starting to save early, understanding different retirement accounts, and customizing financial plans to meet individual needs. The conversation also highlights the significance of planning for long-term care and the benefits of seeking professional financial advice.  Reach out to Will and Osama at 877-524-2677 or  Absolute Retirement

In this episode of the Absolute Retirement Planning Show, Jackie Selby , along with financial experts Will Gonzalez and Osama Abaza, discuss the complexities of retirement planning in today's world. They explore the disconnect many individuals feel regarding their retirement plans, the impact of technology on financial decisions, and the growing trend of working through retirement. The conversation also highlights the fears surrounding retirement, the importance of understanding IRA accounts and tax implications, and the necessity of planning for long-term care. Additionally, they address listener questions about financial strategies, including Roth conversions and rebalancing portfolios, while emphasizing the emotional connections people have with their money. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

n this episode of The Absolute Retirement Planning Show, hosts Will Gonzalez and Osama Abaza discuss valuable financial lessons derived from historical monarchs. They explore the pitfalls of short-term financial strategies, procrastination, emotional spending, and the importance of financial responsibility. The conversation also touches on the role of music in retirement planning and provides insights into investment options like ETFs versus mutual funds. The episode concludes with a Q&A segment addressing listener questions about retirement planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

Planning for retirement can be daunting, but knowing the pitfalls can make all the difference. From delaying your planning to underestimating your future costs, these missteps can significantly impact your retirement. We'll show you some proactive strategies to sidestep these common errors and secure a comfortable and stress-free retirement. In this conversation, the hosts discuss various topics related to retirement planning and financial management. They touch on personal experiences, such as parenting and birthdays, before diving into the importance of financial literacy and the need for individuals to educate themselves about retirement planning. They also discuss the benefits of annuities and the different tax implications of various income sources. The hosts emphasize the importance of setting clear and achievable financial goals for retirement and maximizing income sources. They also address listener questions about Roth IRAs, 401(k) plans, and investing for retirement. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss the topic of Roth conversions and when it might make sense to do them. They explain the difference between contributions and conversions, as well as the tax liabilities involved. They also discuss the process of rolling over a 401k into an IRA before doing a Roth conversion. The conversation then shifts to the different retirement account options, such as IRAs and 401ks, and the income limitations for Roth contributions. They conclude by offering a complimentary financial review for listeners. In this conversation, the hosts discuss the various events and educational talks offered by Absolute Wealth Management.  Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The Absolute Retirement Planning Show with Absolute Wealth Management and Absolute Tax Service discusses retirement planning and the five pillars of a retirement plan: income planning, expense management, investment management, healthcare and long-term care planning, and estate planning. The hosts emphasize the importance of marrying your retirement plan to your tax plan and provide insights on topics such as social security, IRA contributions, and cashing out retirement accounts. They also discuss the impact of market volatility and offer strategies for protecting and growing retirement investments. The show concludes with a Q&A segment addressing listener questions. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss the importance of finding the right financial advisor and the benefits of working with one. They mention a Vanguard study that shows how working with a financial advisor can lead to better investment growth compared to self-managed accounts. They also emphasize the need for individuals to interview potential advisors and ask for references. The hosts address the misconception that only wealthy individuals need financial advisors and highlight the importance of budgeting, saving, and planning for retirement. They offer a complimentary financial review for listeners and stress the importance of having a comprehensive financial plan. The conversation discusses the state of the economy and its impact on various sectors, such as the stock market, credit card delinquencies, and the used car market. It also explores the rise of gig economy jobs and the tax implications of such work. The hosts touch on the benefits of alternative investments, the role of financial advisors, and short-term investment options. The Q&A segment addresses topics like ETFs, managing money with available information, and ensuring financial security for a spouse. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The conversation covers various topics including retirement planning, generational differences, and the challenges faced by Generation X. The hosts discuss the importance of saving for retirement and the options available for those approaching 59 and a half. They also touch on the gig economy and its impact on retirement planning. The conversation concludes with a mention of the NEETS generation and the potential future of Social Security. In this part of the conversation, the hosts discuss personal topics such as family and birthdays before diving into financial insights and tips for retirement planning. They emphasize the importance of seeking professional advice rather than relying on Google for financial information. They also discuss strategies for paying off high-interest debt and address concerns about investing in the stock market during uncertain times. The hosts encourage listeners to have a comprehensive financial plan and offer a complimentary financial review. They also answer listener questions about required minimum distributions and retirement planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss the importance of continuing to invest after retirement and the potential risks and challenges retirees face. They emphasize the need for a comprehensive retirement plan that takes into account factors such as market volatility, inflation, and tax implications. The hosts also highlight the importance of understanding risk tolerance and developing a customized income plan. They offer a complimentary financial review to help individuals assess their retirement plans and make informed decisions. In this conversation, the hosts discuss the importance of planning for retirement and making informed decisions about spending and withdrawals. They emphasize the need to understand individual financial situations and consider factors such as taxes and income streams. They caution against making hasty decisions, such as claiming Social Security at 62, without consulting a professional. The conversation also touches on topics like IRA contributions, variable annuities, and Roth IRA conversions. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The economic realities facing today's pre-retirees and retirees are vastly different from those of previous generations. The show discusses the new challenges and strategies for retirement planning in the current landscape. They touch on topics such as the changing nature of retirement, the importance of saving for retirement, the impact of Social Security benefits, and the role of AI in financial planning. The conversation explores the limitations of AI in the financial industry and the importance of human interaction. It also discusses the fees and qualifications of financial advisors, the benefits of annuities and HSAs in retirement planning, and the services offered by Absolute Wealth Management and Absolute Tax Services. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The retirement of 10,000 baby boomers every day has significant impacts on current retirees, the economy, and social systems. The depletion of social security benefits is a concern with the increasing number of retirees. The cap on social security taxes and the need for fair taxation are discussed. Planning for retirement involves assessing savings, reducing debt, and creating an emergency fund. Healthcare planning, including long-term care, is crucial. Legacy planning and assigning beneficiaries are important considerations. Market volatility and having enough savings for retirement are common concerns. Divorce in retirement has implications for financial planning. Divorce has a profound impact on both personal and financial aspects of each partner's life, particularly during retirement. Dividing assets such as real estate, retirement savings, pensions, and stocks can have a visible impact on income and purchasing power. It is important to have the right guidance and professionals to help settle financial disputes and divorce settlements. Saving money during retirement is crucial, especially in the early years, to ensure financial stability. Couples can retire at the same time or at different times, but it is important to create a schedule and find ways to stay productive. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

Retirement planning has seen significant changes over the last 20 years, influenced by shifts in the economy, demographics, technology, and regulatory environments. The conversation covers topics such as the shift from defined benefit pension plans to defined contribution plans, the importance of taking control of retirement savings, the different types of annuities, and the need for personalized income planning. The hosts also emphasize the importance of working with professionals to navigate these changes and create a comprehensive retirement plan. I However, he emphasizes the importance of assessing financial needs and understanding the potential risks and limitations of annuities. The conversation also touches on topics such as tax deferral, laddered annuity structures, and using a Roth IRA to pay off a mortgage. The hosts provide answers to listener questions about the taxability of Social Security benefits and the decision to pay off debt or invest an inheritance. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

60% of retirees wish they could redo their retirement plan. The biggest financial planning regret for retirees is not taking taxation into account when planning for retirement income. Many retirees wish they had received an automatic paycheck from their assets through annuities. Annuities provide a fixed interest rate and principal protection, and fixed indexed annuities allow for participation in market growth without the risk. Variable annuities are subject to market ups and downs. It is important to have an income plan that will last throughout retirement. Women in life transitions face unique challenges and can benefit from financial and tax planning. In this conversation, the hosts discuss the financial challenges faced by women, particularly in retirement.  The conversation touches on topics such as long-term care, estate planning, and the pink tax. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The Absolute Retirement Planning Show with Will and Osama discusses the certainty of uncertainty in retirement, unexpected expenses, and the importance of financial planning. The conversation covers topics such as family milestones, college graduations, HSA benefits, and unexpected home ownership costs. It also emphasizes the need for emergency funds and the impact of market volatility on retirement planning. The conversation covers a range of topics related to retirement planning, financial stress, cost of living, 401k contributions, annuities, real estate, and market volatility. It emphasizes the importance of preparing for retirement, understanding investment options, and making informed financial decisions. The hosts provide insights and advice on various retirement-related matters, including the impact of financial stress, the role of annuities in 401k plans, the use of real estate for retirement income, and the significance of market volatility in retirement planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The conversation covers various topics related to retirement planning, including the economy, Social Security, and market volatility. Stanley Druckenmiller's criticism of fiscal and monetary policy is discussed, as well as the impact of government intervention on the private sector. The potential depletion of Social Security by 2035 is examined, along with the importance of having a comprehensive retirement income plan. The conversation also touches on tax planning and the need to adapt retirement plans to changing circumstances. In this conversation, Gary Nolan interviews Osama Abaza and Will Gonzalez from Absolute Wealth Management and Absolute Tax Service. They discuss their backgrounds and how they got into their respective fields. They also cover topics such as longevity risk, market volatility, inflation, and the advantages of working with a fiduciary advisor. They emphasize the importance of integrating tax planning with retirement planning and provide insights on inherited IRAs, RMDs, and annuities. The conversation concludes with an offer for a complimentary financial analysis and consultation. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss common misconceptions about retirement and provide tips to help listeners avoid making missteps in their retirement planning. They cover topics such as the 4% rule, life expectancy, working in retirement, and the importance of getting accurate information about Social Security. The hosts emphasize the need for comprehensive financial planning and offer a complimentary financial review to help individuals and couples create a retirement plan that will last their lifetime. In this conversation, the hosts discuss various tips and strategies for managing finances and planning for retirement. The conversation provides insights into maximizing retirement savings, reducing taxes, and avoiding unnecessary expenses. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

A new Forbes advisor study has identified the biggest financial regrets from 2023. We dive in and share some tips to help you navigate through these common concerns. In this segment, Will and Osama discuss the biggest headlines in the economic and financial world. He shares a quote from the Goldman Sachs chief and discusses the current state of the economy and the impact of inflation. Will, the financial planning professional, emphasizes the importance of focusing on the positive and finding strategies to make money last in retirement. The conversation also covers topics such as market volatility, building a steady income in retirement, converting IRAs to precious metals, and the need for a comprehensive financial plan. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss retirement savings for individuals in their 50s. They cover topics such as increased contribution limits, maximizing Social Security benefits, low-risk investments, and high-yield savings accounts. The hosts emphasize the importance of starting retirement planning early and working with professionals to optimize income and minimize taxes. They also touch on the implications of rental properties and the tax considerations involved. Overall, the conversation provides valuable insights and strategies for individuals starting their retirement savings journey in their 50sThey also discuss the benefits and considerations of reverse mortgages and annuities. The conversation concludes with information on leaving money to children after retirement and the importance of having a comprehensive financial plan. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss the impact of inflation on retirement planning and offer advice on how to navigate it. They emphasize the importance of understanding one's budgetary needs and expenses in retirement, as well as the need to factor in inflation when creating a financial plan. They also discuss the cost of healthcare and how self-employed individuals can deduct their healthcare expenses. The conversation then shifts to tax preparation and the importance of filing extensions and making timely payments to avoid penalties. They caution against listening to well-meaning but uninformed individuals and emphasize the need to consult with professionals who understand the complexities of Social Security benefits. They also touch on the benefits of contributing to a traditional IRA, the importance of diversification in investment portfolios, and strategies to minimize taxes on required minimum distributions (RMDs).. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The conversation discusses the negative impact of social media on financial literacy and planning. It highlights the importance of seeking advice from qualified professionals rather than relying on influencers or viral content. The hosts also touch on topics such as the role of debt in building wealth, the benefits and limitations of 401(k) plans, and the importance of having a comprehensive retirement plan that includes tax planning. It emphasizes the need to understand how retirement income is taxed and how different sources of income, such as Social Security benefits, pensions, 401(k)s, and IRAs, work together and affect each other. The hosts stress the importance of starting to plan for retirement income at least five years before retirement and recommend consulting with professionals to develop a comprehensive plan. They also discuss the significance of integrating retirement planning with tax planning and estate planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss various aspects of retirement planning and tax strategies. They explore the decision to retire early and the importance of considering income needs and sources. They also emphasize the benefits of being debt-free in retirement and the impact of credit card debt and car loans. The hosts highlight the significance of creating liquidity and minimizing tax liability in retirement. They discuss the tax implications of different types of investment accounts, including taxable accounts, tax-deferred retirement accounts, and tax-free Roth IRAs. The conversation concludes with a focus on required minimum distributions (RMDs) and distribution strategies. In this conversation, the hosts discuss various topics related to retirement planning and financial management. The hosts also offer a no-cost financial review to help individuals with their retirement planning. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

In this conversation, the hosts discuss the taxation of retirement income and the benefits of a tax-efficient strategy. They cover topics such as the taxability of social security benefits, pensions, and various types of income. They also highlight the advantages of a Roth IRA, including tax-free withdrawals and investment growth. The conversation emphasizes the importance of tax planning and offers a tax preparation service for retirees. Overall, the hosts aim to provide listeners with valuable information to optimize their retirement income and minimize their tax liability. The conversation covers various aspects of retirement planning, with a focus on bucket lists and how they fit into retirement goals. The hosts discuss the importance of defining a bucket list and understanding the budgetary constraints. They emphasize the need to prioritize goals and set a schedule to ensure a fulfilling retirement. The conversation concludes with an offer for a complimentary financial review. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

Will and Abaza tell Jackie the importance of estate planning and the various components involved. They cover topics such as creating a last will and testament, designating a healthcare power of attorney, and establishing a trust fund. They also address the misconception that taxes will be lower in retirement and explain the potential impact of estate taxes. Overall, the conversation emphasizes the need for comprehensive estate planning to protect assets and ensure that one's wishes are carried out. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The conversation covers various topics including tax planning and healthcare strategies for retirement. The hosts emphasize the importance of having a written retirement plan and understanding one's budget and income. They offer a complimentary financial review and discuss the need for customized plans based on individual circumstances. The conversation concludes with a discussion on long-term care and the potential drawbacks of certain long-term care policies. Additionally, the conversation addresses the topic of supplementing a pension with long-term care insurance.  Reach out to Will and Osama at 877-524-2677 or  7u,,

On today's show, the hosts discuss the financial red zone, the importance of marrying retirement and tax plans, and the parallels between football and retirement. They also offer a tax preparation discount and a comprehensive financial review. The conversation is filled with humor and personal anecdotes, creating an engaging and informative listening experience. In this conversation, William Gonzales and Jackie Selby discuss the importance of having a plan for retirement and the need to play to win. They emphasize the need to take control of one's financials and create a plan for financial freedom. They also discuss the benefits of contributing to a Roth 401k and strategies to reduce tax liability. The conversation concludes with the recommendation to seek a second opinion for retirement planning. Reach out to Will and Osama at 877-524-2677 or Absolute Wealth Management

Retirement is all about change and how we adjust to those changes. In this conversation, the hosts discuss unexpected changes in retirement, including daily routines, health, income, and retirement planning. They emphasize the importance of adjusting to a new routine, prioritizing physical and mental health, managing income changes, and staying up-to-date with modern retirement planning strategies. They also discuss the financial red zone, where individuals are five to ten years away from retirement, and the need to plan for healthcare costs in retirement. The conversation covers various retirement planning topics, including complimentary retirement planning meetings, contributing to traditional or Roth IRAs, handling life insurance after a spouse's death, investing $75,000, and determining retirement income needs. The hosts emphasize the importance of personalized retirement planning and the need to consider individual circumstances and goals. They also encourage listeners to schedule a meeting with them for a comprehensive retirement plan. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

Around 10,000 baby boomers retire every day, and that number will be even higher this year.  On today’s Absolute Retirement Planning Show with Will and Osama  we’ll break down a list that you may want to avoid and we’re calling it the ‘unbucket-list’. Also,if saving for retirement hasn’t been a priority until now, chances are you’ve still got time to turn things around. In the style of comedian Jeff Foxworthy we’ve put together a list of things we call...you might not be able to retire if....The good news is we’ve also got solutions to help get you on a better path. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

On "The Absolute Retirement Planning Show" Will and Osama cover some shocking statistics, how to achieve your financial goals in the new year, and tips to get you started. Plus, U.S. credit card debt surged to more than $1 trillion for the first time in 2023 and nearly 9 million student loan borrowers defaulted on payments—so what is that telling you about the future of the economy?  Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

As we enter 2024, it's crucial to assess your budget, debt, and investments in alignment with your financial objectives. On The Absolute Retirement Planning Show with Will and Osama they'll help you kickstart the process with steps to help you get started. In addition, the most important planning questions. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

On The Absolute Retirement Planning Show we know that the holiday season is upon us,and with that in mind, we thought we would visit a few moments from beloved holiday movies and sitcoms and explore the financial planning missteps made by some of our favorite fictional characters. To help you steer clear of these roadblocks, we have our favorite financial professionals, Will and Osama ready to dive into each with solutions for how to navigate situations similar to each. 

There are a few “harsh truths” about retirement planning, and financial planning in general, that a simple google search won’t answer for you—with that in mind,on The Absolute Retirement Planning Show with Will and Osama we have decided to tackle five major harsh truths about planning for the financial future you want, so you can enjoy the kind of financial future you both want and deserve.  Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The holidays are upon us and that means it’s time to make sure you have tied up all the loose ends before we welcome 2024.  On The Absolute Retirement Planning Show   with Will and Osama they’ve put together a few things you should be sure to do before the end of the year. In addition, five changes to Social Security coming in 2024 that will impact retirees. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

As the year winds down we’re looking ahead to 2024 and what changes are in store for many in the financial red zone, that’s five to ten years from retirement. SECURE 2.0 has rolled out some changes that are shaking up how employer sponsored retirement plans work. On today’s Absolute Retirement Planning Show with Will and Osama  we’ll  check some highlights.  WILL & OSAMA Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The state of the economic union has folks across the country worried about what the future holds. For those in the financial red zone approaching retirement, these economic conditions could change the trajectory of their retirement. Don’t worry,  on The Absolute Retirement Planning Show  with Will and Osama they are going to help you cut through the confusion and offer tips and takeaways that will help you find your footing amid market volatility and inflation. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The Absolute Retirement Planning Show with Will and Osama they'll discuss  the 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement income systems across the world using the weighted average of the adequacy, sustainability and integrity of the systems. The U.S. earned a C+, with 63 out of 100 possible points and an overall ranking of 22 out of the 47 countries included in the study. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/

The Absolute Retirement Planning Show with Will and Osama they are going to break down some of the most common reasons folks resist professional help while building their financial plans and explain exactly how a financial advisor would be able to help. In addition, we are going to learn by taking a more hands-on approach to see exactly what can be done by posing some hypothetical case studies to our financial advisors and then allowing them to do what they do best and explore the specifics of what they could do with each. Reach out to Will and Osama at 877-524-2677 or  https://absolutewealthmanagementllc.com/