Ryan Cravitz - Cravitz Financial & Insurance Solutions

All posts by Ryan Cravitz

Can This Couple Afford To Retire Now? {Early 60’s}

Videos

In this video we will walk through a sample case study of a couple that were approaching retirement. The husband is 62 and the wife is 61. We will first look at what the chances would be of them running out of money in retirement if they were to retire now. Then we will take a […]

Does It Make Sense To Convert To A Roth IRA

Videos

One of the biggest mistakes I see people make is not knowing how much they should convert to a Roth IRA, and even whether you should even do any Roth IRA conversions at all. Both not converting enough and converting too much could cause you to pay more in taxes over the course of your […]

When Can You Afford to Retire?

Videos

Often times I talk to people that don’t think they can afford to retire, but they actually can. Others think they need to work for perhaps another 5 or 6 years when they could actually retire perhaps in just a couple of years. Often I find that it’s the people that have done the best […]

Social Security COLA Jumps 3.2% for 2024… but Medicare Part B Jumps 5.9%!

Videos

The 3.2% cost of living adjustment reflects another year of high inflation. However, we now know we’ll be paying almost 6% more for Medicare Part B! That doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you, in this video we will walk through these […]

Do You Need Life Insurance In Retirement?

Videos

A lot of people wonder if you still need life insurance when you’re retired, since you’re no longer working and, for most of retirees, the kids are grown and out of the house. However, according to Ryan there are several reasons you should still consider owning life insurance in retirement. He breaks down 3 reasons: 1.Income […]

3 Strategies to Minimize Your Social Security Taxes

Videos

Many retirees are surprised to learn that above a certain income, Social Security is taxed. In retirement, it’s important to know how all your income streams will be taxed, and how to mitigate those taxes. In this video, Ryan explains the following 3 strategies to Erin: 1. Convert to a Roth IRA 2. Consider Shifting Income Investments […]

Is There Any Reason to Use a Traditional IRA?

Videos

“America’s IRA expert,” Ed Slott, recently told other industry experts that “an IRA is just an IOU to the IRS.” Slott says he doesn’t see any benefit to using a traditional IRA right now because tax rates are so low. In this video, @RyanCravitz with @CravitzFinancial explains to @erinkennedy why he agrees that more people need […]

One of the Toughest Transitions in Retirement: Becoming a Spender Instead of a Saver

Videos

Only one third of retirees are comfortable spending their retirement money! Most would rather live off Social Security, pensions, or income from part-time work, rather than spend down their nest egg.It is a delicate balance in retirement: you don’t want to compromise your quality of life, but neither do you want to run out of […]

Hidden (and not so hidden) Fees, Penalties, and Taxes in Retirement

Videos

It’s not easy to determine exactly what you’ll need to live on in retirement. That calculation is made even more difficult because there can be a few surprise expenses… and some penalties that can last a lifetime!In this video, Ryan Cravitz and Erin Kennedy are breaking down some of those hidden penalties, in order of […]

Which Withdrawal Strategy Is Right For Your Retirement?

Videos

Having a tax-efficient withdrawal strategy in retirement can save you thousands of dollars. A good strategy will minimize the total taxes paid over the course of your retirement, which will increase your wealth and the longevity of your portfolio. In this video, we break down two very different strategies: traditional and proportional. The traditional approach has […]

« Previous 1 2 3 4 … 6 Next »

CONTACT

500 N. State College Ste 1100
Orange, CA. 92868
1-714-462-9155
Ryan@CravitzFinancial.com

QUICK LINKS

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, if any exist. 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.