Category Archives for Videos

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 […]

Risks in Retirement – What is Sequence of Returns Risk

Videos

Sequence of returns risk is perhaps one of the biggest risks people face as they transition into retirement that a lot of people (likely most) aren’t even aware of. In this video we’ll look at how sequence risk could affect you when you begin to take withdrawals from your portfolio in retirement.Full Transcript: How’s it going, […]

How to Pass Money To Heirs Tax-Free. An Often Overlooked Way To Do It.

Videos

In this video I discuss a strategy to leave a specified amount of money to your kids or grandkids income tax free, while at the same time allowing you to feel free to spend the rest. Often times an IRA is not going to be the best account to pass to your heirs since the […]

How Much Life Insurance Do I Need? For Income Protection

Videos

How much life insurance should you have? Most people I talk to aren’t sure. In this video I run through a scenario and discuss some of the things to think about. Hopefully this will give you some clarity, and help you determine what makes most sense for you and your situation. Full Transcript: How’s it going on, […]

Example of How RMD’s Work. Paying Taxes on Unneeded RMD’s?

Videos

In this video I show you an example of how required minimum distributions (RMD’s) work. Many people have to take RMD’s that don’t actually need the income. Others need to take a larger RMD than they would want. Unfortunately, doing a great job of saving and accumulating large sums in pretax retirement accounts could lead […]

Are Social Security Benefits Taxable? This is How it Works.

Videos

If your only source of income comes from Social Security you will not have pay any federal taxes. However, if you have other income such as a pension or a withdrawal from an IRA or 401(k) for instance, you may very well have to pay taxes. To determine whether your Social Security is taxable or […]

Am I Able To Do A Roth Conversion? This is Often Misunderstood.

Videos

There’s a lot of confusion around how conversions and contributions work with Roth IRA’s. A question I was just asked was “can I convert $50,000 from my Traditional IRA to a Roth?” I thought there was maximum I could put in a Roth each year.” In this video I answer this question and go over […]

Should You Do a Roth Conversion in 2020?

Videos

Roth IRA’s can be a great. If you take qualified distributions from a Roth IRA in retirement you won’t have to pay any tax on the withdrawals. Also, you don’t have to worry about Required Minimum Distributions (RMD’s) either. However, does it make sense to convert to a Roth IRA? Everyone’s situation is unique so […]

« Previous 1 … 5 6 7 8 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, 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.