Category Archives for Videos

Is a Roth 401(k) Better Than a 401(k)? [Case Study]

Videos

For some people contributing to a Roth 401(k) is a better option than contributing to a pre-tax 401(k). It all depends on your overall financial situation. In this video I will take you through a case study of a hypothetical couple where we take a look at not only contributing to a Roth 401(k) instead […]

Can I Have Multiple Life Insurance Policies?

Videos

Are you allowed to have more than one life insurance policy? Or is having multiple life insurance policies not allowed. Not only is having multiple life insurance policies allowed, but strategically it could make a lot of sense to do so. Having said that, there are limits to as to how much total life insurance […]

Can I Afford To Retire?

Videos

Can you afford to retire and still maintain the lifestyle that you’ve become accustomed to? It’s unfortunate, but many people who can afford to retire don’t realize that they probably actually can. Too often it is misunderstood how taxes work in your working years vs. once you are retired. Know that different sources of income […]

401(k) vs Roth 401(k). Case Study Example – What If Tax Rates Rise?

Videos

Should you fund a pre-tax 401(k) or a Roth 401(k) which is funded with after tax dollars. In this video we look at what the potential impact could be on a retirement plan if tax rates were to rise in the future. If all, or most of your money is in pre-tax retirement accounts and […]

Risks in Retirement – Why the Average Rate of Return May Not Matter

Videos

There’s several risks that need to addressed when planning for retirement. One of the risks is assuming that if you earn a particular average rate of return on your investments in retirement that you will be ok. However, the order of the rates of return and the range of the returns can have a significant […]

Investing In Retirement – Could Taking Withdrawals Make a Difference?

Videos

Generally speaking the way you invest when you are accumulating money for retirement is going to be different than the way you invest once you retire and need to withdraw money from your investment portfolio to live on.In this video I show some actual examples that show the impact that taking withdrawals could have on […]

2021 Retirement Plan Contribution Limits and Phase-Outs

Videos

The contribution limits for how much you can contribute to various retirement accounts is the same in 2021 as they were in 2020. The catchup contribution for those 50 and over remains the same as well. However, the phaseout ranges have changed slightly. In this video we will at the maximum contribution limits for 401(k), […]

An Example of When a Roth Conversion Makes Sense – Case Study

Videos

A part of building an efficient retirement plan is to identify ways to potentially reduce taxes. I call this tax forward planning. Instead of focusing on ways to reduce your taxes for this year or last it’s about how to reduce your taxes over the next few decades of your life to maximize your income. […]

What is the Best Life Insurance Over 50?

Videos

The best life insurance for you to buy when you over 50 is going to depend on your situation. 3 things you want to consider are your specific need for coverage, your overall medical history and lifestyle habits, and the application process that you prefer. When you are over 50 there is no one size […]

Understand Required Minimum Distributions (RMDs) – 5 Questions

Videos

Required Minimum Distributions (RMDs) can be a confusing topic. What is an RMD and when do you have to take it? How much do you have to take? Can you aggregate your accounts? How are RMDs taxed. What are the penalties if you don’t take an RMD? In this video I answer these questions.Full Transcript: What’s […]

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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.