Category Archives for Videos

3 Strategies to Minimize Your Social Security Taxes

Videos

Many retirees are surprised to learn that above a certain income, Social Security is taxed. In retirement, it’s important to know how all your income streams will be taxed, and how to mitigate those taxes. In this video, Ryan explains the following 3 strategies to Erin: 1. Convert to a Roth IRA 2. Consider Shifting Income Investments […]

Is There Any Reason to Use a Traditional IRA?

Videos

“America’s IRA expert,” Ed Slott, recently told other industry experts that “an IRA is just an IOU to the IRS.” Slott says he doesn’t see any benefit to using a traditional IRA right now because tax rates are so low. In this video, @RyanCravitz with @CravitzFinancial explains to @erinkennedy why he agrees that more people need […]

One of the Toughest Transitions in Retirement: Becoming a Spender Instead of a Saver

Videos

Only one third of retirees are comfortable spending their retirement money! Most would rather live off Social Security, pensions, or income from part-time work, rather than spend down their nest egg.It is a delicate balance in retirement: you don’t want to compromise your quality of life, but neither do you want to run out of […]

Hidden (and not so hidden) Fees, Penalties, and Taxes in Retirement

Videos

It’s not easy to determine exactly what you’ll need to live on in retirement. That calculation is made even more difficult because there can be a few surprise expenses… and some penalties that can last a lifetime!In this video, Ryan Cravitz and Erin Kennedy are breaking down some of those hidden penalties, in order of […]

Which Withdrawal Strategy Is Right For Your Retirement?

Videos

Having a tax-efficient withdrawal strategy in retirement can save you thousands of dollars. A good strategy will minimize the total taxes paid over the course of your retirement, which will increase your wealth and the longevity of your portfolio. In this video, we break down two very different strategies: traditional and proportional. The traditional approach has […]

What Should I Do With My Old 401(k)?

Videos

41% of people, from 2014-2016, cashed out at least part of their 401(k) when leaving a job, and 85% of those people drained the balance entirely! And since most people will change jobs several times before retiring, @RyanCravitz with @CravitzFinancial and @erinkennedy are breaking down the best (and worst!) options when it comes to your […]

3 Retirement Risks That Could Cause You To Run Out Of Money

Videos

For most retirees, their biggest fear is running out of money. You want your retirement to be a fitting reward to a lifetime of hard work. But it’s hard to know exactly how much money you’ll need to achieve your unique retirement goals, without sacrificing your quality of life. In this video, we break down […]

Long Term Care Insurance: 3 Things to Consider Before Buying a Policy

Videos

More than 70% of adults who live to 65 will need Long Term Care of some kind! Not only is LTC very expensive, most costs aren’t covered by Medicare nor other health insurance plans.As Ryan explains to Erin, without proper planning this can wipe out your retirement savings, but before you buy a policy, first, […]

This Social Security Mistake Could Cost You $100,000.

Videos

This one Social Security mistake is costing the average household $111,000.00! Only 4% of retirees claim Social Security at the most “financially optimal time.” That means the remaining 96% are missing out on $3.4 trillion dollars, which averages out to just over $100,000.00 for most families! Yes, you can claim Social Security benefits starting at […]

Proactive Planning – 2023

Videos

2022 was a brutal year for investors. 2023 is sure to be challenging, but there are some action steps you can take now, to set yourself up for success no matter how the market behaves. In this video, we walk through these 5 Resolutions: 1. Rebalance 2. Pay Down Debt, Lower Expenses 3. Keep Saving for […]

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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.