Category Archives for Videos

Why Retirement Completely Changes Once You’ve Saved $1.5 Million

Videos

There is a point in retirement planning where everything changes, and it is not when you hit your first $100,000 or even $1 million. Once your accounts reach about $1.5 million, the conversation shifts entirely.At this level, retirement stops being about survival and becomes about coordination, balancing taxes, withdrawals, investments, Social Security, and Medicare so […]

When to Stop Saving for Retirement (And Start Enjoying Life)

Videos

You don’t often hear this from a financial planner, but sometimes the right move isn’t to save more, it’s to live more.In this video, I share a real life case of a couple who had already won the savings game. They were on track to have nearly two million dollars by retirement and wanted to […]

How Much You Should Have Saved One Year Before Retirement?

Videos

If you’re about a year away from retirement, one of the biggest questions on your mind is probably, “Do I have enough saved?”In this video, I walk through an example of someone retiring at 65 who wants to spend $8,000 per month in retirement. You’ll see how Social Security fits in, what kind of portfolio […]

Age 62 with $1M Saved – Can You Retire Today?

Videos

Retiring at 62 with $1,000,000 isn’t a simple yes or no. It depends on how you spend, how you’ll cover healthcare before Medicare, and how your plan holds up if markets stumble. In this video, I walk through two real case studies, Dana and Michael, who each had around $1M but very different lifestyles and […]

The Most Common “I Wish I Had” Stories from Working with 100+ Retirees

Videos

After working with over a hundred retirees, I’ve noticed a consistent pattern. The biggest regrets people share aren’t about investments, account balances, or tax brackets. They’re about the things money can’t buy back: time, health, energy, and missed experiences. Again and again, I hear the same three words: “I wish I had…”In this video, I […]

You’ve Been Told to Save $1M to Retire – But Here’s the Problem

Videos

You have probably heard the rule of thumb that you need $1 million to retire. The problem is, that number is both too simple and often misleading. Depending on your lifestyle, income needs, taxes, and healthcare costs, $1 million could be far more than you will ever need or it could fall short.In this video, […]

84% of Retirees Make this RMD Mistake (and How to Avoid It)

Videos

A JP Morgan Chase study found that 84% of retirees only take their Required Minimum Distributions (RMDs) and it’s quietly costing them. While it seems smart to “just follow the IRS rules,” it often results in:Less money to spend in your best yearsHigher taxes and Medicare penalties laterReduced control over your retirement incomeIn this video, […]

5 Common Purchases Retirees Regret Buying

Videos

Many retirees look back on their first few years of retirement with one common feeling: regret over certain big purchases. In this video, I share the top 5 retirement money mistakes I’ve seen retirees make, and how you can avoid them.I’ll share some real stories and possible alternatives to some of the most common financial […]

How to Maximize Social Security for Married Couples – Claim Now?

Videos

If you’re married and approaching retirement, deciding when to claim Social Security isn’t just about you. It’s about your entire household. The timing of your benefits can have a major impact on your lifetime income, taxes, and survivor benefits.In this video, we’ll walk through: Key factors to consider before claiming Social Security How spousal and […]

6 Retirement Planning Risks People Overlook. Are You Ready?

Videos

Planning for retirement is about more than just saving money. It’s about protecting your hard-earned nest egg from risks that could jeopardize your financial future. In this video, we break down the six critical risks every retiree should know about:Sequence of Returns Risk: How market downturns early in retirement can impact your savings.Withdrawal Rate Risk: […]

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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.