Retirement Planning – Page 2 – Cravitz Financial & Insurance Solutions

Category Archives for Retirement Planning

401(k) vs Roth 401(k). Case Study Example – What If Tax Rates Rise?

Video Transcript: Hey, what’s going on, everybody. It’s Ryan here. Okay. So if your employer gives you the option of either funding a 401k on a pre-tax basis, or on an after-tax basis, meaning a Roth 401k, which option should you choose? Well, I’m going to tell you right up front that it depends upon your […]

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Investing In Retirement – Could Taking Withdrawals Make a Difference?

Video Transcript: Hey. What’s going on, everybody? It’s Ryan here. Okay. So chances are, probably over the years, you’ve heard that it makes sense that when you get to your retirement years, that you should invest differently than you invested when you were in your pre-retiree years. And if you’re like a lot of the people […]

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2021 Retirement Plan Contribution Limits and Phase-Outs

Video Transcript: Hey, what’s going on, everybody. It’s Ryan here. Okay. So the new 2021 guidelines, or rules, or just release as far as how much you’re allowed to contribute to various retirement accounts, such as IRAs and 401ks and that sort of thing, for the year 2021. And then also they’ve outlined what the new […]

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Understand Required Minimum Distributions (RMDs) – 5 Questions

Video Transcript:What’s going on, everybody? It’s Ryan here. Okay, so today I want to talk to you a little bit about required minimum distributions, or RMDs for short. Now, there’s no doubt this could be a little bit of a confusing topic and if you haven’t had to take out an RMD before you probably […]

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Risks in Retirement – What is Sequence of Returns Risk

Video Transcript:How’s it going, everybody? It’s Ryan here. Okay, so we’re going to talk about sequence of returns risk. Now, this is arguably one of the biggest risks that people face as they start to transition into retirement that most people aren’t even aware of. It’s not one of the more common types of risks. […]

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

Video Transcript:How’s it going everybody? It’s Ryan here. Okay. So how do RMDs work and how much might you have to take out of your IRA over the course of your lifetime? That’s what we’ll look at here in this video. In a second, I’m going to share my screen here with you. But real […]

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

Video Transcript: What’s going on, everybody? It’s Ryan here. Okay. So are your Social Security benefits taxable to you? Well, the short answer is, is that it depends. The slightly longer answer is, is that it depends upon where your other income comes from. So in a few short moments, I’m going to share my screen […]

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

Video Transcript: How’s it going everybody. It’s Ryan here. Okay, so I want to share with you all a question that I received earlier today. Here was the question. “Ryan, I know we’re looking at converting maybe 40 or 50,000, or maybe even more of my traditional IRA over to a Roth IRA, but can 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. 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.

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