Category Archives for Videos

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: […]

The Roth Conversion Trap that Destroys Retirement Portfolios

Videos

Roth conversions can be one of the smartest retirement planning moves, but only if you do them right. In this video, I uncover the 5 most common Roth conversion mistakes that can quietly derail your financial future, including: Converting too much at once Ignoring the impact on Medicare premiums Not considering Social Security timing Not knowing when you […]

How a Pension in Retirement Changes Everything

Videos

Retiring with a pension? Your retirement landscape is entirely different — and that’s both a massive opportunity and a planning challenge. In this video, I break down exactly how having a pension transforms your financial strategy, including how much you need to save, how to invest, and when you can retire.Most retirement plans are built […]

How Much of Your Social Security Is Taxed? 2025 Law + New Senior Deduction Explained

Videos

There has been a lot of buzz around the new bill signed on July 4, 2025, with claims that Social Security benefits are no longer taxed. But is that really true? This video breaks down what the bill actually changes, including a new temporary deduction for seniors 65 and older (and when it starts phasing […]

4 Retirement Myths That Could Cost You

Videos

In this episode, we bust four major financial myths that could be hurting your retirement plan. From the truth about market cycles and the 4 percent withdrawal rule to unexpected tax surprises in retirement and the possible need for life insurance later in life, we break it all down with practical advice and real world […]

The Retirement Savings Lies That Keep Retirees Working Too Long

Videos

After speaking with hundreds of retirees, I’ve discovered something surprising: anxiety about retirement isn’t just about money — it’s about mindset. Whether you’ve saved $300,000 or $3 million, the fear, uncertainty, and regret often stem from long-held beliefs that simply aren’t true.In this video, I break down the three biggest lies people believe about retirement […]

3 Smart RMD Strategies to Lower Your Taxes in Retirement

Videos

Even if you’re still a several years away from having to take Required Minimum Distributions (RMDs), the best time to plan for them is now.In this video, we walk through three proactive strategies you can start planning for now to help reduce the future impact of RMDs and potentially lower your lifetime tax bill.Take Distributions Before […]

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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.