Category Archives for Videos

If You’re Married and Claiming Social Security, Watch This First

Videos

Most married couples think about Social Security as a retirement income decision.What many do not realize is that it is also a survivor planning decision.In this video, I walk through a real retirement scenario showing how one Social Security claiming decision can create a difference of more than $1,700 per month for the surviving spouse […]

Your Retirement Plan Looks Great — Unless One of You Dies Early

Videos

Most couples build their retirement plan assuming both spouses will live a long life together.But one of the biggest blind spots in retirement planning is asking:What happens if one spouse passes away much earlier than expected?In this video, I walk through a real retirement planning case study and show how the loss of one spouse […]

The $80,000 Gain They Thought Was Tax-Free (It Wasn’t)

Videos

There’s a tax benefit in retirement that almost everyone has heard of: the 0% capital gains rate.And on the surface, it sounds simple. If your income is low enough, you can sell appreciated investments and potentially pay no tax on the gain.But in practice, it’s rarely that straightforward.In this week’s video, I walk through a […]

You Have $2 Million You Don’t Know About. Here’s the Proof.

Videos

In this video, I walk through a real retirement planning example of a couple who thought they had about $1.3 million saved for retirement… which they did. But when we looked at it a little differently, they actually had over $3 million when you account for the full picture.Not because of anything hidden or complicated, […]

You Saved $1.8 Million for Retirement. Why Doesn’t It Feel Like Enough?

Videos

You can do everything right leading up to retirement and still not feel confident once you get there.That is something I hear all the time.In this video, I walk through why having one point eight million saved or any amount that looks solid on paper does not always translate into feeling secure in retirement.It is […]

Are You Leaving Thousands on the Table in Retirement?

Videos

Most people do not realize it, but they may be leaving thousands of dollars on the table in the early years of retirement.Not because they did something wrong. But because of how they are taking income and the order those decisions are being made.In this video, I walk through a real example of a couple […]

Retiring in 5 Years? The Biggest Mistake No One Prepares For

Videos

Retirement is not just about whether you have enough.There is a window, roughly five years before and after you retire, that tends to have a much bigger impact on how your plan actually plays out. Most people do not realize how important that period is until they are already in it.In this video, I walk […]

Retiring Before 65? The Hidden $20,000 Health Insurance Trap

Videos

If you are thinking about retiring before 65, there is one part of the plan that can get expensive pretty quickly and a lot of people do not fully see it coming.Most people know health insurance is going to cost some money before Medicare. In some cases, quite a bit.But what catches people off guard […]

Retiring at 65 With $1.5M? Here’s How Much You Can Actually Spend

Videos

If you retire at 65 with about $1.5 million saved, how much can you realistically spend each year?It sounds like a simple question, but the answer is often very different from what people expect.Many people start with a rule of thumb like the 4 percent rule, which would suggest around $60,000 per year from a […]

What Happens If the Market Drops 30% in Your First Year of Retirement?

Videos

A major market decline early in retirement can have a lasting impact on your income.If you retire with $1,000,000 and the market falls 30% in your first year, your portfolio may drop to around $700,000. And once withdrawals begin, that loss doesn’t just affect your balance in the moment. It can change how much income […]

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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.