Category Archives for Videos

I’m 62 with $1M – Should I Claim Social Security Now or Wait?

Videos

Whether you’ve saved $1 million or not, deciding when to claim Social Security is one of the most important retirement choices you’ll face.In this video, I walk through a real life example to break down the key factors in claiming Social Security early versus delaying. The insights apply to almost anyone nearing retirement, no matter […]

5 Smart Times to Do a Roth Conversion

Videos

When is the best time to do a Roth conversion? In this video, we cover 5 smart times to consider converting to a Roth IRA, including during market downturns, in years with lower income, and in the gap between retirement and required minimum distributions. It’s important to plan now to help lower your taxes in the […]

If You’re Over 60 and Still Working… Watch THIS

Videos

Over 60 and want to retire? Maybe you actually can.

If you’re over 60 and still working full time, there’s a good chance you’ve already reached financial freedom—but just don’t know it yet. In this video, we uncover reasons people delay retirement and share the real story of someone who broke free from the cycle of “just a few more year years.”Learn what questions you should […]

Are You Tax Ready For Retirement?

Videos

Taxes don’t disappear in retirement. In fact, understanding tax implications can be even more important when you’re retired.In this video, we talk through 4 tax questions you should ask your financial advisor before retiring, including:How will my tax situation change once I retire?Are there strategies to reduce my tax liability in retirement?Should I consider a […]

6 Questions You Should Ask Your Advisor Before You Retire

Videos

Before you retire, there are very specific questions you should ask your advisor. In this video we talk through those questions, which, when answered, can give you a much clearer picture as to whether you are really ready to retire. Those questions are: Am I financially ready to retire? What income sources will I rely on […]

The One Money Move That Could Add Years to Your Nest Egg

Videos

Let’s address the number one fear of most retirees: running out of money. One way to make your nest egg last longer… figure out how to keep all of it in your pocket, as opposed to sharing it with the government. In this video, we discuss how converting your tax deferred accounts to Roth accounts can […]

Retiring in 2025? 5 Money Moves to Make Before You Retire.

Videos

Retirement planning usually takes place over decades. Checking in with yourself throughout the planning process can keep you on track, but you also need to give your finances a hard look. In this video, we lay out 5 steps you need to make before you tell the boss goodbye: 1. Decide when to claim Social Security […]

What is a Good Monthly Retirement Income For You in Retirement?

Videos

According to the Bureau of Labor Statistics, the average annual expenses for people 65 plus in 2021 was about $52,141.00, which works out to about $4,345 a month.But as we talk about here, no two people are alike, so figuring out how much money YOU will need depends on your lifestyle and your unique retirement […]

4 Reasons Why Your Taxes Might Be Higher In Retirement

Videos

Many people worry that taxes will increase once they retire, but will that actually be the case? In this video, we break down 4 key reasons why your taxes might go up in retirement, and a few thoughts on how you can plan to manage it. Key Takeaways:**Successful Saving: Large withdrawals from pre-tax retirement accounts […]

Social Security COLA up 2.5% for 2025…Medicare Part B projected to jump 5.9%

Videos

The 2.5% cost of living adjustment reflects a steady decline in inflation. However, it looks like the standard Medicare Part B premium is going up almost 6%!That likely doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you we will walk through the following in […]

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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.