Ryan Cravitz, Author at Cravitz Financial & Insurance Solutions

All posts by Ryan Cravitz

Why Retirees Get RICHER After They Stop Working

Videos

Many people assume that once they retire and start withdrawing money from their investments, their portfolio will gradually decline over time.But that’s often not what happens.In fact, some retirees find themselves several years into retirement with more money than they had when they first stopped working.In this video, I explain why that can happen and […]

Do Not Tell Anyone if You Retire with $2M+ – Here’s Why

Videos

Most retirement planning discussions focus on investments, taxes, Social Security, and healthcare.But there is another retirement issue that often gets overlooked:What happens when other people know how much money you have?Many retirees assume that sharing financial details with family and friends is harmless. Sometimes it is. But over the years, I’ve seen situations where wealth […]

Don’t Avoid Retiring Because of Healthcare – Do THIS Instead

Videos

Many people spend years preparing financially for retirement but feel surprisingly uncertain about one specific area: healthcare.And often, it is not because they have not saved enough.It is because the rules feel complicated, the costs feel unpredictable, and the decisions seem interconnected in ways that are hard to fully see until someone lays them out […]

If You’re Married and Claiming Social Security, Watch This First

Videos

Most married couples think about Social Security as a retirement income decision.What many do not realize is that it is also a survivor planning decision.In this video, I walk through a real retirement scenario showing how one Social Security claiming decision can create a difference of more than $1,700 per month for the surviving spouse […]

Your Retirement Plan Looks Great — Unless One of You Dies Early

Videos

Most couples build their retirement plan assuming both spouses will live a long life together.But one of the biggest blind spots in retirement planning is asking:What happens if one spouse passes away much earlier than expected?In this video, I walk through a real retirement planning case study and show how the loss of one spouse […]

The $80,000 Gain They Thought Was Tax-Free (It Wasn’t)

Videos

There’s a tax benefit in retirement that almost everyone has heard of: the 0% capital gains rate.And on the surface, it sounds simple. If your income is low enough, you can sell appreciated investments and potentially pay no tax on the gain.But in practice, it’s rarely that straightforward.In this week’s video, I walk through a […]

You Have $2 Million You Don’t Know About. Here’s the Proof.

Videos

In this video, I walk through a real retirement planning example of a couple who thought they had about $1.3 million saved for retirement… which they did. But when we looked at it a little differently, they actually had over $3 million when you account for the full picture.Not because of anything hidden or complicated, […]

You Saved $1.8 Million for Retirement. Why Doesn’t It Feel Like Enough?

Videos

You can do everything right leading up to retirement and still not feel confident once you get there.That is something I hear all the time.In this video, I walk through why having one point eight million saved or any amount that looks solid on paper does not always translate into feeling secure in retirement.It is […]

Are You Leaving Thousands on the Table in Retirement?

Videos

Most people do not realize it, but they may be leaving thousands of dollars on the table in the early years of retirement.Not because they did something wrong. But because of how they are taking income and the order those decisions are being made.In this video, I walk through a real example of a couple […]

Retiring in 5 Years? The Biggest Mistake No One Prepares For

Videos

Retirement is not just about whether you have enough.There is a window, roughly five years before and after you retire, that tends to have a much bigger impact on how your plan actually plays out. Most people do not realize how important that period is until they are already in it.In this video, I walk […]

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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. Registered Investment Advisors and Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to make full disclosure of any conflicts of interest. Please refer to our firm brochure, the ADV 2A item 4, for additional information. 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. Ryan Cravitz and/or Cravitz Financial and Insurance Solutions are not affiliated with or endorsed by the Social Administration or any other government agency.