Hi, I'm Ryan Cravitz.
I’m a CFP® professional and Retirement Income Certified Professional® focused on helping people who are retired or getting close to retirement turn what they’ve saved into a clear plan for income, investments, Social Security, and taxes.
My Story
Ryan Cravitz, cfp®, ricp®
founder & Financial advisor
One of the most common concerns I hear from people approaching retirement or recently retired is not just whether they have saved enough. It is understanding what their savings can actually support.
Before retirement, that may show up as uncertainty about when they can afford to stop working. After retirement begins, it may show up as hesitation around how much they can spend, which accounts to use, and how to make smart decisions with the money they worked so hard to build.
That is where a clear retirement income strategy can help. The planning process should help show how much you may be able to spend, where your income may come from, how your investments should be managed, and how taxes may affect the decisions you make along the way.
My focus is helping you make those decisions in a coordinated way, so you can enjoy retirement today while still making thoughtful decisions for the years ahead.
After a decade in the financial planning profession, I started Cravitz Financial & Insurance Solutions in 2011 to provide more personalized guidance. Today, my practice focuses on helping retirees and people getting close to retirement create retirement income strategies built around their income needs, lifestyle, investments, and taxes.
I’m a graduate of San Diego State University with a bachelor’s degree in Political Science. I’m also a CFP® professional and Retirement Income Certified Professional® focused specifically on retirement income planning.
I believe good financial advice should be clear and understandable. That is why I create retirement planning videos on retirement income, Social Security, taxes, Roth conversions, investing, and the decisions that can affect retirees for years to come.
Born and raised in Southern California, I now live in Newport Beach with my wife, Racheal, and our son, Cody. When I’m not helping clients plan for retirement, you can usually find me playing beach volleyball or spending time with my family.
Credentials & affiliations:
As a CFP® professional, I have completed extensive education, exam, experience, and ethics requirements. The CFP® designation is one of the most recognized credentials in financial planning and reflects a commitment to putting clients’ interests first when providing financial advice.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
The Retirement Income Certified Professional® designation focuses specifically on retirement income planning. That includes strategies for turning savings into income, coordinating Social Security and pensions, managing withdrawal decisions, and planning for risks that can affect retirees over time.
Ryan is a member of the Financial Planning Association, a professional organization dedicated to advancing the financial planning profession.
Get the Retirement Tax Guide
Taxes can affect which accounts you use first, when you claim Social Security, whether Roth conversions make sense, and how much income you recognize each year.
I put together a guide to help retirees and soon-to-be retirees understand some of the key tax planning decisions that can come up in retirement.
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