I’m Ryan Cravitz!
I’ve been working in the financial industry for 20 years now. Over that period of time I have developed a passion for helping people that are serious about their financial future simplify their financial lives and achieve financial freedom.
"Simplified, I like that. What does that mean?"
Oh…don’t get me started. You know how a lot of people in the financial industry like to use big fancy jargon probably just to make themselves sound smart. Yes —I’ll bet you do!
You’re not going to hear me say words like Sharpe Ratio, Treynor Ratio, Standard Deviation, Alpha, or Beta. What!? Did I just say Alpha Beta? Wasn’t that a super market?
Well, yes Alpha Beta actually was a super market.
I’m here to help translate and turn financial jargon into English. Look, I forget who said this, but I believe…
If you can’t explain it simply it means you don’t know it well enough!
Why I Do What I Do
You might be surprised to hear this, but when I began my career in the financial industry right out of college, I really didn’t have much passion for what I did.
It all began in the last semester of my senior year. At that point, I really hadn’t figured out what I wanted to do for a career when I graduated college.
As fate would have it, I met a recruiter from a financial services firm that came to my college. After speaking with him, I thought it sounded intriguing.
However, at the time, I simply knew I had a knack for numbers. I’ve been fortunate that math has always come pretty easy to me.
So…I figured why not. Let’s give this financial planning stuff a shot!
Long story short I was hired right out of college.
I didn’t know it at the time, but the next years several years had a tremendous impact on me.
I remember experiencing the stock market tanking both between 2000-2002 and then again in the so-called Great Recession of 2008. I heard story after story from people who were planning to retire. However, many were forced to delay retirement or retire with far less than their expectations.
I recall the NINJA loans. Remember those? No Income, No Job, No Assets. – NO Problem, right?!? Oh yes, it was problem. It was a huge problem for many. I’ve seen houses lost, dreams destroyed, and plans for retirement ruined.
I’ve seen people that have missed out on thousands of dollars because they didn’t coordinate Social Security benefits with their spouse the right way. Unfortunately, it was too late when they found out they had not moved in a better direction.
I saw people that outlived their retirement savings due to unexpected, and unplanned medical expenses that required them to change their lifestyle drastically.
It was these experiences that gave me my passion for helping achieve financial freedom and secure their financial future.
I’ve seen the pain, the worry, the fear. I realized that I could make an impact and I decided that I wanted to make a real difference.
This led me to founding my own independent firm back in 2011.
And I have never looked back...
Today, I help my clients solve complex financial planning issues, grow and protect their hard-earned money, and achieve a happy, and secure retirement.
In other words, I get to help my clients make their financial life awesome!
To learn more about the type of work I do, click the button below:
You can also visit my YouTube channel where I answer many of the financial questions I get concerning retirement, investing, and more.
If you don't need financial planning help, but know that you need to get life insurance you can go to my life insurance blog by clicking here.
You can also choose to learn a little more about me by reading on. I mean, the fact is that if you are a Celtic fan, we may not mesh well. Just saying.
THE PERSONAL STUFF
Family, love, shows - views towards life
I was born and raised in Southern California. I grew up in L.A. County and went to high school in Walnut. Go Mustangs!
I then moved on to San Diego County to attend San Diego State and completed my Bachelor’s degree there. I loved San Diego so much that I didn’t end up moving until about 11 years ago. That was when I moved to Orange County.
I met Racheal, the wonderful woman that ended up becoming my beautiful Wife in the Summer of 2013. We were married in 2016 and we are living in Irvine, CA.
In May of 2018 our son Cody was born. Still no dogs, but I think that’s coming soon. I grew up with dogs and love dogs, but Racheal really loves dogs…so it’s coming.
Favorite activities – I love being active and I exercise about 5 times a week. I like to mix it up. I’ll do a variety of different things such as going to the gym, swimming, hiking, or doing some crazy workout I just find randomly on Youtube!
My favorite sport to play is beach volleyball. I have been playing for over 20 years and today you can usually find me playing at least a couple times a week. Most often, I play at Corona Del Mar.
Favorite TV Shows - Breaking Bad, Seinfeld, The Sopranos, Two and Half Men, The Office, America's Got Talent.
Favorite Movies - Shawshank Redemption, Scent of a Woman, Office Space, Gladiator.
Favorite Food - Mexican and Thai
Favorite Sports Team - Lakers all the way. Very exciting times again to be a Laker fan. Not only do we have LeBron but we also have AD!