Category Archives for Videos

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, […]

Age 60 with $1.2M Saved – Should You Roth Convert?

Videos

Roth conversions seem to be everywhere these days.But before deciding whether a Roth conversion makes sense, I believe there’s a more important question to answer:What are you actually optimizing for?In this video, I walk through the case of a 60-year-old woman with approximately $1.2 million saved who wanted to know whether Roth conversions should be […]

Why Retirees Get RICHER After They Stop Working

Videos

Many people assume that once they retire and start withdrawing money from their investments, their portfolio will gradually decline over time.But that’s often not what happens.In fact, some retirees find themselves several years into retirement with more money than they had when they first stopped working.In this video, I explain why that can happen and […]

Do Not Tell Anyone if You Retire with $2M+ – Here’s Why

Videos

Most retirement planning discussions focus on investments, taxes, Social Security, and healthcare.But there is another retirement issue that often gets overlooked:What happens when other people know how much money you have?Many retirees assume that sharing financial details with family and friends is harmless. Sometimes it is. But over the years, I’ve seen situations where wealth […]

Don’t Avoid Retiring Because of Healthcare – Do THIS Instead

Videos

Many people spend years preparing financially for retirement but feel surprisingly uncertain about one specific area: healthcare.And often, it is not because they have not saved enough.It is because the rules feel complicated, the costs feel unpredictable, and the decisions seem interconnected in ways that are hard to fully see until someone lays them out […]

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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.