Category Archives for Videos

Inherited an IRA? Don’t Waste the 10-Year Window

Videos

If you inherit an IRA, you may have heard that you have 10 years to empty the account.That is true for many non-spouse beneficiaries.But the important part is not just the 10-year deadline. It is how you use those 10 years.In this video, I walk through a sample case of someone who inherits a $400,000 […]

Don’t Let This Medicare Surcharge Drive the Wrong Decision

Videos

Medicare surcharges can be frustrating. If your income goes over certain thresholds, your Medicare premiums can increase two years later. And unlike federal income tax brackets, where only the dollars above the next bracket line are taxed at the higher rate, going even $1 over an IRMAA threshold can move your Medicare premiums into a higher […]

63 With a Pension? Don’t Assume the Survivor Option Is Best

Videos

If you have a pension, deciding how to take it can be one of the more important retirement decisions you make.Typically, you may have a choice between taking a larger monthly payment for your life only, or taking a smaller payment that continues to your spouse if you pass away first.That may sound like a […]

$1.5 Million IRA? Don’t Make This Roth Conversion Mistake

Videos

Roth conversions can be a valuable retirement planning tool.But that does not mean bigger is always better.In this video, I walk through a sample case involving a couple near retirement with a large IRA and a plan to convert aggressively before required minimum distributions begin.At first, that strategy may sound reasonable. Pay taxes now, reduce […]

Age 55 with $1.2 Million – How to ACTUALLY Retire at Age 60

Videos

If you are 55 and want to retire at 60, the next five years matter a lot.In this video, I walk through a sample retirement plan for a couple who is 55, has meaningful savings, and wants to stop working at 60.Under the starting assumptions, they are close, but not quite where they need to […]

The Flaw in “Safe” Retirement Spending Rules

Videos

Most retirement spending rules start with a number.But retirement does not move in a straight line. Markets change, Social Security begins, a mortgage may get paid off, spending patterns shift, and your needs often look different at 75 than they did at 65.In this video, I discuss the flaw in many “safe” retirement spending rules […]

Ready to Retire Now (Even If It Doesn’t Feel Like It)

Videos

Many people expect that once they save enough for retirement, they will simply feel ready.But that is often not what happens.They reach the number they had been working toward and then move the goalpost. Retirement still feels risky, even when the financial plan suggests they may already be in a strong position.In this video, I […]

STOP Spending Less in Retirement — Do This Instead.

Videos

Many retirees are careful with money, especially after the paycheck stops.That caution is understandable. But sometimes being too careful creates a different kind of problem.In this video, I walk through a hypothetical couple who are spending less than their retirement plan allows. The unspent money may feel like a harmless cushion, but because most of […]

Two Retirees. Same Savings. One Runs Out of Money. Here’s Why

Videos

Two retirees can start retirement with the same amount saved, the same investments, and the same withdrawal plan, yet end up with very different outcomes.That is because in retirement, the order of investment returns matters.In this video, I walk through a hypothetical example of two couples who both retire at 65 with the same amount […]

They Thought They Were Ready to Retire. Then We Found These 5 Issues

Videos

A couple recently came in to meet with me as they were approaching retirement.They had saved well, invested well, and felt like the finish line was finally in sight.But once we started walking through the actual transition into retirement, several important planning decisions came up that they had not fully thought through yet.In this video, […]

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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 Security Administration or any other government agency.