Ryan Cravitz - Cravitz Financial & Insurance Solutions

All posts by Ryan Cravitz

Risks in Retirement – What is Sequence of Returns Risk

Videos

Sequence of returns risk is perhaps one of the biggest risks people face as they transition into retirement that a lot of people (likely most) aren’t even aware of. In this video we’ll look at how sequence risk could affect you when you begin to take withdrawals from your portfolio in retirement.Full Transcript: How’s it going, […]

How to Pass Money To Heirs Tax-Free. An Often Overlooked Way To Do It.

Videos

In this video I discuss a strategy to leave a specified amount of money to your kids or grandkids income tax free, while at the same time allowing you to feel free to spend the rest. Often times an IRA is not going to be the best account to pass to your heirs since the […]

How Much Life Insurance Do I Need? For Income Protection

Videos

How much life insurance should you have? Most people I talk to aren’t sure. In this video I run through a scenario and discuss some of the things to think about. Hopefully this will give you some clarity, and help you determine what makes most sense for you and your situation. Full Transcript: How’s it going on, […]

Example of How RMD’s Work. Paying Taxes on Unneeded RMD’s?

Videos

In this video I show you an example of how required minimum distributions (RMD’s) work. Many people have to take RMD’s that don’t actually need the income. Others need to take a larger RMD than they would want. Unfortunately, doing a great job of saving and accumulating large sums in pretax retirement accounts could lead […]

Are Social Security Benefits Taxable? This is How it Works.

Videos

If your only source of income comes from Social Security you will not have pay any federal taxes. However, if you have other income such as a pension or a withdrawal from an IRA or 401(k) for instance, you may very well have to pay taxes. To determine whether your Social Security is taxable or […]

Am I Able To Do A Roth Conversion? This is Often Misunderstood.

Videos

There’s a lot of confusion around how conversions and contributions work with Roth IRA’s. A question I was just asked was “can I convert $50,000 from my Traditional IRA to a Roth?” I thought there was maximum I could put in a Roth each year.” In this video I answer this question and go over […]

Should You Do a Roth Conversion in 2020?

Videos

Roth IRA’s can be a great. If you take qualified distributions from a Roth IRA in retirement you won’t have to pay any tax on the withdrawals. Also, you don’t have to worry about Required Minimum Distributions (RMD’s) either. However, does it make sense to convert to a Roth IRA? Everyone’s situation is unique so […]

Should You Buy Term or Permanent Life Insurance?

Videos

Life insurance can be a confusing subject for many. One of the questions you should consider is whether term or permanent insurance is better. I believe neither is better. However, one is typically more appropriate for the given situation. When should you buy term life and when should buy permanent (whole) life insurance? In this […]

Is No Medical Exam Life Insurance Legit?

Videos

Many people wonder if no exam life insurance is legit. Why do some companies require you to take an exam, but other insurance companies do not require it? Should you be concerned about the safety or security of a company that doesn’t require a medical exam?In this video we’ll address these questions and more.Full Transcript: Hey, […]

Is an IRA a Good Investment?

Videos

Is an IRA a good investment? Actually, an IRA is not a investment. Instead, it is an account. Within the IRA you can hold investments.Full Transcript: Hey everybody, it’s Ryan here. All right, so today I want to talk to you a little bit about IRAs. And specifically, I want to address a question that I […]

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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, 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.