Category Archives for Videos

Retiring with Most of Your Savings in a 401(k)? Watch This Before Withdrawals Start

Videos

Many people approach retirement with most of their savings sitting in a traditional 401(k) or other pre-tax accounts. While those accounts are great for accumulation during your working years, they can create a different kind of planning challenge once retirement begins.In this video, I walk through an often overlooked shift that occurs when most of […]

Why Social Security Taxes Are So Confusing

Videos

Social Security taxation is one of the most misunderstood areas of retirement planning.In this video, I walk through the concepts that tend to cause the most confusion, including provisional income, how filing status affects taxation, and how deductions and withholding interact with your Social Security benefits.Many people are surprised to learn that provisional income is […]

Is $1 Million Enough to Retire?

Videos

One of the most common questions I hear is:How much do I need to retire?But what people are really asking is:Do I actually have enough to stop working without worrying every time the market moves?The truth is, there is not a single number that works for everyone. What feels comfortable for one person can feel […]

Retiring Early Can Quietly Reduce Your Social Security

Videos

When people think about retiring early, most of the focus is on the first few years of retirement. Health insurance, market risk, and whether savings can comfortably support the transition. All of that matters. But there is another piece that often gets overlooked. How stopping work earlier than planned can quietly change your future Social […]

Claiming Social Security at 62: When It Deserves More Thought

Videos

Claiming Social Security at age 62 is one of the most common retirement decisions people make. And for some, it is absolutely the right choice.The problem is usually not claiming early. It is making the decision too quickly, without fully understanding the tradeoffs.In this video, I walk through three situations where claiming at 62 is […]

Most Retirement Account Mixes Are Built by Accident

Videos

Most people spend decades saving for retirement, but far less time thinking about where they are saving. In many cases, money ends up heavily concentrated in traditional, pre tax accounts simply because that is what was available at work.In this video, I walk through how I actually think about the mix of traditional, Roth, and […]

Should You Do a Roth Conversion? The Real Answer for Retirees

Videos

Roth conversions are one of the most talked about strategies in retirement planning, and for good reason. A well timed conversion can reduce future required minimum distributions, lower your lifetime tax bill, help you avoid Medicare IRMAA surcharges, and even make things easier for a surviving spouse or for your kids.However, a poorly timed conversion […]

Your First Year of Retirement: 5 Things You Must Get Right

Videos

The moment the paycheck stops, everything changes. Even with years of planning behind you, the first twelve months of retirement can feel very different from what you expected. The structure of work disappears. The routine shifts. And for many people, the questions start to creep in: Am I on track? Am I spending too much? […]

Getting Ready to Retire: 7 Smart Moves for a Smooth Transition

Videos

If you are planning to retire in the next five years, the decisions you make now can have a major impact on how smooth your transition feels. In this video, I walk through the key steps that help people retire with more clarity and confidence.I start with defining what you want life to look like […]

When the Numbers Say You’re Ready but You Still Can’t Retire

Videos

Even if you have saved diligently, have no debt, and know you are financially ready, it is common to still feel uneasy about stepping away from work. After years of helping people retire, I have seen how that anxious feeling rarely comes from the numbers. It comes from uncertainty.In this video, I talk about why […]

« Previous 1 2 3 4 … 13 Next »

CONTACT

500 N. State College Ste 1100
Orange, CA. 92868
1-714-462-9155
Ryan@CravitzFinancial.com

QUICK LINKS

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.