Category Archives for Videos

Should I Consider a Roth Conversion?

Videos

In this video we break down the important things to know if you’re considering converting to a Roth IRA. Keep in mind, we are in a historically low tax rate environment. Paying your taxes now will allow your money to grow tax deferred, and the growth can be accessed tax free presuming it’s a qualifying distribution. […]

Secure Act 2.0: Later RMDs, 529-to-Roth Rollovers, and Other Tax Planning Opportunities

Videos

Secure Act 2.0. Later RMDs. RMD penalties, QCD's.

Congress recently passed SECURE Act 2.0, which will bring several changes to retirement account rules. In this video we break down the big takeaways, including:*RMD Age Increase*RMD Penalties*QCD Changes*529 PlansKeep in mind, when you delay those Required Minimum Distributions, it will lead to larger account balances at death, which could create a significant tax burden […]

Can You Make a Deductible IRA Contribution For 2022?

Videos

Can You Make a Deductible IRA Contribution For 2022? It depends on several things including whether you or your spouse have earned income, whether you’ve contributed to a Roth IRA, and whether you or your spouse have access to a company sponsored retirement plan. If you do have access to a company sponsored retirement plan like […]

How Much Can You Contribute To a Traditional IRA For 2022?

Videos

How much can you contribute to a Traditional IRA for 2022? It depends on your age, whether you have already contributed to a Roth IRA, and whether you or your spouse have earned income or not. It’s also important to note that just because you can contribute to a Traditional IRA that does no necessarily mean […]

Will Social Security Be There For Me When I Retire?

Videos

Many have concerns as to whether Social Security will be there for them when they retire. Social Security certainly has it it’s financial challenges. According to the 2022 Trustees Report they are projecting that they will be able to pay promised retirement and survivor benefits until 2034. They estimate at that point the trust fund will be depleted and they would only be able to pay 77 cents on the dollar.

Social Security Changes For 2023

Videos

In this video we will talk about some of the important changes to know for Social Security in 2023. The cost of living adjustment (COLA) is 8.7%. The maximum taxable earnings for payroll taxes is going up, and so are the retirement earnings test exempt amounts. Full Transcript: Social Security has announced changes for the year 2023. […]

Can You Afford To Retire? Perhaps Yes Even If You Are Thinking No.

Videos

Many people can actually afford to retire that don’t think they can. Others think they need to work much longer than they actually to or need to save up a lot more money than they actually need.Life is short. Do you work at a job that you really don’t like or are burnt out and […]

How Do Penalties And Free Withdrawals Work On Annuities?

Videos

When you withdraw money from a deferred annuity you will pay a surrender charge on the amount that you withdraw that is more than the free withdrawal amount. Many deferred annuities such as fixed annuities and fixed annuities allow you to withdraw 10% per year without penalty. Some allow you to withdraw the money if […]

Should I Buy An Annuity {Case Study}

Videos

Should you buy an annuity to help provide the income you need in retirement? In this video I will share an actual case study and we will look at the pros and cons of either buying or not buying an annuity.Full Transcript: How’s it going everybody, it’s Ryan here. Okay, so today we’re going to take […]

Investing For Retirement -Potential Impact Of Volatility

Videos

It’s important to be aware of how how volatility could affect your investments and your retirement. When evaluating investments many people just consider the average rate of return. However, the volatility of investments is also very important.In this video I show hypothetical examples of how volatility could affect you in your working years when you […]

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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.