The Retire Ready Checkup – Cravitz Financial & Insurance Solutions

      “Security. Confidence. Peace of Mind" –
         That’s Cravitz Financial.


The Retire Ready Checkup

  • What's This All About? This is designed to help you evaluate the services of our firm and for you to make a decision as to whether our firm is right for you.
  • What's The Cost? Before you pay us anything we will show you how you can improve the success of you retirement plan.
  • Who is this for? This is designed for those that are retired or planning to retire within the next 10-15 years. 

6 Step Process

Step 1 - Schedule A Call

The 20-minute phone call is designed to make sure we have the expertise to handle your unique situation. This is similar in the sense that you wouldn't want a patent attorney to handle a family law dispute. Another example is you wouldn't want a brain surgeon operating on your heart. 

If our firm isn't the right fit we will let you know.

Step 2 - Discovery

This step is occurs either in our office or virtually using web based software. This is where we will examine your situation in detail so that we clearly understand your vision for retirement and your needs, goals, and concerns.

We will request some important documents from you before this meeting. Having this information on hand will help us analyze and understand your financial situation.  

Step 3 - Analysis

We will apply our 20+ years of experience with our team and address the most important questions you have and concerns you face.  These include:

1. Where are you now and are you on track towards reaching your long term goals.

2. Determining whether your long term retirement goals can be achieved with less risk and/or a higher probability of success.

3. Examining if your investments can be improved. If so, how?

4. Identifying whether taxes can be reduced.

5. Analyzing any insurance policies (life or long term care) to confirm they are adequate.

Step 4 - Review

With our analysis now completed we will schedule a second meeting either in our office or using virtually using web based software. 

We'll identify any potential red flags and review findings and recommendations. We will not be just giving an 80 page "financial plan" that is over complicated. We will break down the issues that you need to know as simply as possible and we'll answer the five questions above in Step 3.

At this point, you can decide to start working with us or not. The choice is yours.

Step 5 - Give It Some Thought

We are in this for the long haul and are only looking to bring on clients that are looking for a long term relationship with us. Make sure you take as much time as needed to make the decision that feels right to you.

Some questions to consider when making this decision to work with us:

  1. Do I feel comfortable and do I like  Ryan and his team. Do I trust and respect them.
  2. Are the fees worth the cost?
  3. Am I comfortable with the approach to investment management and retirement planning?
  4. Are complex matters explained simply and do the recommendations make sense to you? 

We will get in touch with you in a few days to determine how you would like to move forward.

If you decide we aren't the right fit that is perfectly ok. We are not the right fit for everyone and that's perfect alright. There is never any pressure to become a client. 

Step 6 - Implementation

We are honored to have you as a client. We will get together again either in person or even just over the phone to answer any questions you may have and go over what to expect with the new client onboarding process.  

How to Know If You Might Be a Good Fit?

We specialize in retirement planning and are able to provide the most value to the following:

  • People over 50 that are either retired already or who want to be sure they will be able to retire with the lifestyle they want to have someday.
  • People that have done a good of accumulating retirement assets, and want a game plan to help ensure a successful retirement. 
  • Individuals that have the desire to delegate all the investment management and retirement planning responsibility to a professional.  

If You Still Have Questions Below Are Some Frequently Asked Questions.

Do You Offer One Time Project Fees as an Option?

Unfortunately, we do not. We only work with people that are looking for a long term relationship. Our practice is not set up for short term project work at this time anyway.

How Do You Make Money?

Transparency is a priority for us. As an advisor there are generally three different ways you can structure your business and be compensated. They are fee only, commission only, or both by fees and commissions. We believe that there is a place and an absolute need for both. We are set up as two distinct divisions. Wealth management is fee only. Insurance is paid through commissions paid by the insurance company.

Can you explain more about how you are compensated?

Wealth Management

The first division of our practice is an independent investment advisory practice where we work with more traditional investment vehicles such as stock, bonds, mutual funds, etf’s, as well as some alternative investments all within the context of fee based managed money. Through a strategic partnership that I’ve formed with Brookstone Capital Management I am able to access their resources and literally the entire universe of investment options while still remaining completely independent. I do not receive commissions on investment trades or transactions. Unlike a broker who might get paid when you buy XYZ stock.  Then if they recommend you sell XYZ stock to buy ABC stock instead…you wonder are they are only doing this to earn a commission on the trades?  As a fiduciary I am paid a set fee based upon the assets under management. I am not paid more or less if or when trades are made. You don’t have to worry about a conflict of interest. The fee you pay is dependent upon the dollar amount invested and the strategies selected as a part of upon the portfolio design. Most commonly the fee is going to be somewhere between 1 to 1.5%.  

Can you explain more about how you are compensated?

Insurance Solutions

The other division is the independent insurance agency. Love it or hate we all need insurance whether it’s for our car or our home we all need it. We don’t handle that kind of insurance though. The kind we handle includes life insurance, long term care insurance, and annuities. We are completely independent. If you needed a life insurance policy as example, we would spreadsheet out the top carriers and tell you the good, the bad, the ugly of each and assist you in getting that in place. 

Some advisors that have chosen to operate as completely fee only. Often times they will say that by operating this way and refusing to accept any commissions it removes all conflicts of interest. However, there are certain products such as the insurance products that I mentioned above that the only way an advisor can be compensated on them is through a commission. We believe that if someone needs a life insurance policy or a long term care policy then we'd be doing a disservice by not making the recommendation and helping them get the coverage in place. There is a place for both investments and insurance we believe in a cohesive financial plan.

Some people don't need financial planning or help with their retirement or investments, but know they need a life insurance policy. If that's you, you may want to check out my life insurance blog I created it to help educate people that are over 50 understand their life insurance options. You can also run quotes on the website if you like.

Are You Set Up To Meet Virtually And Work With People In Other States?

We can work with people across the United States. In fact, we have quite a few clients that are local that prefer meeting virtually. Instead of having to get in a car and drive to our office they can meet virtually from the comfort of their own living room.

Should I Hire Cravitz Financial & Insurance Solutions?

Excellent question.

If you are wanting an advisor that engages in buying and selling stocks on  a regular basis with the attempt of trying to predict and time the markets we aren't the right firm for you.

We believe markets as well as the news of the day are unpredictable. Predicting what the markets will do day to day or if/when interest rates will go up and down is a fool's game.

Instead we focus on things you can control like heling to create a reliable income stream, reduce your taxes, invest smarter, and optimize your insurance.

What Else Should I Know?

We specialize in retirement planning. We aim to ensure you have the money you need, to live the lifestyle you want, for the rest of your life.

We limit the amount clients we bring on to provide a high level of personalized service and planning efforts.

We are firm believes in technology and invest in it heavily to make the retirement planning process as simple as possible.


16755 Von Karman Ave. Suite #200
Irvine, CA. 92606

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Cravitz Financial & Insurance Solutions are independent of each other. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.  Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.  CA Insurance License #0C86000.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company and are not offered by Brookstone Capital Management. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract.

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