Category Archives for Videos

What Will My After Tax Income Be In Retirement?

Videos

Understanding what your after income will be in retirement is so important. How much after tax spendable income will be available to you. The way your income is taxed differs depending on if it is coming from wages, Social Security, IRA withdrawals, etc… In this video we look at simple example based on a couple […]

Should I Convert My IRA to a Roth IRA? Is a $550,000 IRA enough?

Videos

Often times I’ve found that people think they don’t have enough for it to make sense to consider converting their Traditional IRA to a Roth IRA. Some people think that unless they have a really large IRA that it probably doesn’t make sense. However, each situation is unique. In this video I share with you […]

Reason to Buy Life Insurance {To “Replace” a Social Security Check}

Videos

Life insurance could come in handy to “replace” a Social Security check. If you are married and your spouse passes away you will lose a Social Security check. Life insurance can provide an income tax free source of money to help you meet your expenses in retirement if this were to happen. In this video […]

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), […]

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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.