Category Archives for Videos

The One Money Move That Could Add Years to Your Nest Egg

Videos

Let’s address the number one fear of most retirees: running out of money. One way to make your nest egg last longer… figure out how to keep all of it in your pocket, as opposed to sharing it with the government. In this video, we discuss how converting your tax deferred accounts to Roth accounts can […]

Retiring in 2025? 5 Money Moves to Make Before You Retire.

Videos

Retirement planning usually takes place over decades. Checking in with yourself throughout the planning process can keep you on track, but you also need to give your finances a hard look. In this video, we lay out 5 steps you need to make before you tell the boss goodbye: 1. Decide when to claim Social Security […]

What is a Good Monthly Retirement Income For You in Retirement?

Videos

According to the Bureau of Labor Statistics, the average annual expenses for people 65 plus in 2021 was about $52,141.00, which works out to about $4,345 a month. But as we talk about here, no two people are alike, so figuring out how much money YOU will need depends on your lifestyle and your unique […]

4 Reasons Why Your Taxes Might Be Higher In Retirement

Videos

Many people worry that taxes will increase once they retire, but will that actually be the case? In this video, we break down 4 key reasons why your taxes might go up in retirement, and a few thoughts on how you can plan to manage it. Key Takeaways: **Successful Saving: Large withdrawals from pre-tax retirement […]

Social Security COLA up 2.5% for 2025…Medicare Part B projected to jump 5.9%

Videos

The 2.5% cost of living adjustment reflects a steady decline in inflation. However, it looks like the standard Medicare Part B premium is going up almost 6%! That likely doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you we will walk through the following […]

Should You Pay For Long-Term Care With Your IRA? {Tax Impact}

Videos

In this video we look at an example of what the tax impact could be if someone were to withdraw a substantial amount of money from an IRA to pay for long term care. Many people, if not most people, that have done a great job of saving for retirement have most of their money saved […]

Can They Retire On $500k? {Case Study – 65 & 67}

Videos

In this video I am sharing a sample case which is based on a couple that I have been working with recently. He is 65 and she is 67, and they have $500,000 saved in their retirement accounts. They would like to retire now. We’ll take a look at their current situation and the strength of […]

Popular Financial Guru Proposes An 8% Withdrawal Rule. Is That Realistic?

Videos

Recently, on his popular show, Dave Ramsey, a well-known, “financial expert” dismissed the common advice to withdraw only 4% of your retirement savings annually as “moronic,” advocating instead for an 8% withdrawal rate. In this video, we talk through whether and when an 8% withdrawal rate makes sense. Here’s the answer: yes, it might make sense. […]

Understanding the Rule of 55 {Retire Early}

Videos

In this video I’m sharing what you need to know about the rule of 55. If you are planning to retire early or if you leave your job prior to age 59.5 you might be able to access the funds in your 401(k) without having to pay the 10% penalty.I will go over the rules […]

5 Questions You Need to Answer Before You Retire

Videos

To design your ideal retirement, you need to start with a few specific questions… and if you’re married, make sure you do this exercise together!In this video, we walk through what you should consider when answering these vital questions:1. When do you want to retire?2. Where do you want to live when you’re retired?3. How […]

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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.