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Category Archives for Videos

5 Questions You Need to Answer Before You Retire

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 […]

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What To Consider Before Doing a Roth Conversion

In this video we share some of the important things to consider before doing a Roth conversion. Some of the things we discuss include whether you should do a Roth conversion or not. If so, when should you do a Roth conversion? How much should you convert?  With taxes set to increase in 2026 this is […]

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Understanding The Retirement Bucket Strategy {Income Planning in Retirement}

It’s possible to achieve sustainable income in retirement by utilizing the “Retirement Bucket Strategy.” This strategy involves dividing your retirement savings into different “buckets” based on your spending needs, risk tolerance and other factors. In this short video, we explain each bucket: Short term Bucket Intermediate Bucket Long-term Bucket These buckets represent different asset classes […]

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Are They On Track To Retire At 65? {62 and 62 – $700k}

In this video I share a sample case study. These folks are both 62 and ideally would like to retire at 65 with $6,000 a month available after taxes for living expenses. Unfortunately, they weren’t on track to accomplish this so some adjustments needed to be made. We will look at the impact of some […]

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Can This Couple Retire Earlier Than Planned {Case Study – 58 and 56}

In this sample case study this couple was aiming to retire at age 65. As it turns out they were in a good position to retire even sooner than they hoped. In this video I will walk though some of the different strategies we considered to make this possible and we look at various scenarios.  Some […]

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Couples Planning For Retirement {Widow’s Tax Trap}

If you are married and planning for retirement it’s important to not overlook the widow’s tax trap. Certainly it’s important to make sure that you are planning to have all the income that you need to sustain the lifestyle that you want to have all throughout retirement even if both of you live a long […]

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Should You Pay Off Mortgage Early Or Invest?

Is it better to pay off the mortgage early or invest?

The age-old debate continues: should you pay off your mortgage early or invest for the future? In this video, we talk through whether the answer to that question has changed considering the higher rates today on “safe money”. Before deciding if you should pay off your mortgage faster it’s important to think through the answers to […]

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Retire at 65 And Take Social Security Or Delay? {Case Study – Age 64}

Deciding when to collect Social Security benefits is more complex if you have other assets or sources of income available to you in retirement. If you have money saved in retirement accounts or have other savings and investments, then even though you retire it doesn’t necessarily mean that you should start your Social Security benefits […]

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Don’t Confuse a Roth Conversion With a Contribution

A Roth IRA conversion and a contribution are not the same thing. Making a Roth IRA contribution and doing a Roth conversion are both ways to get money into a Roth IRA. However, the rules for each are very different.  Often times I have found there is confusion in this area. This short video explains what […]

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Understanding Multi-Year Guarantee Annuities (MYGA’s)

In this video I explain what Multi-Year Guarantee Annuities (MYGA’s) are, how they work, and why they have become more popular recently. We will look at the liquidity options, terms, taxes, some current MYGA rates and more.  I’ll cover the important things to know about MYGA’s, and I’ll share some thoughts on how you might consider […]

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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, if any exist. 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.

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