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# Cravitz Financial & Insurance Solutions

Financial and Insurance Solutions in Irvine, California

## Sitemaps

- [XML Sitemap](https://cravitzfinancial.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Ready to Retire Now (Even If It Doesn't Feel Like It)](https://cravitzfinancial.com/ready-to-retire-now-even-if-it-doesnt-feel-like-it/)
- [Two Retirees. Same Savings. One Runs Out of Money. Here's Why](https://cravitzfinancial.com/two-retirees-same-savings-one-runs-out-of-money-heres-why/) - Two retirees can start retirement with the same amount saved, the same investments, and the same withdrawal plan, yet end up with very different outcomes. That is because in retirement, the order of investment returns matters. In this video, I walk through a hypothetical example of two couples who both retire at 65 with the
- [STOP Spending Less in Retirement — Do This Instead.](https://cravitzfinancial.com/stop-spending-less-in-retirement-do-this-instead/)
- [They Thought They Were Ready to Retire. Then We Found These 5 Issues](https://cravitzfinancial.com/they-thought-they-were-ready-to-retire-then-we-found-these-5-issues/) - A couple recently came in to meet with me as they were approaching retirement. They had saved well, invested well, and felt like the finish line was finally in sight. But once we started walking through the actual transition into retirement, several important planning decisions came up that they had not fully thought through yet.
- [Age 60 with $1.2M Saved – Should You Roth Convert?](https://cravitzfinancial.com/age-60-with-1-2m-saved-should-you-roth-convert/) - Roth conversions seem to be everywhere these days. But before deciding whether a Roth conversion makes sense, I believe there’s a more important question to answer: What are you actually optimizing for? In this video, I walk through the case of a 60-year-old woman with approximately $1.2 million saved who wanted to know whether Roth
- [Why Retirees Get RICHER After They Stop Working](https://cravitzfinancial.com/why-retirees-get-richer-after-they-stop-working/)
- [Do Not Tell Anyone if You Retire with $2M+ – Here’s Why](https://cravitzfinancial.com/do-not-tell-anyone-if-you-retire-with-2m-heres-why/)
- [Don't Avoid Retiring Because of Healthcare - Do THIS Instead](https://cravitzfinancial.com/dont-avoid-retiring-because-of-healthcare-do-this-instead/) - Many people spend years preparing financially for retirement but feel surprisingly uncertain about one specific area: healthcare. And often, it is not because they have not saved enough. It is because the rules feel complicated, the costs feel unpredictable, and the decisions seem interconnected in ways that are hard to fully see until someone lays
- [If You're Married and Claiming Social Security, Watch This First](https://cravitzfinancial.com/auto-draft/)
- [Your Retirement Plan Looks Great — Unless One of You Dies Early](https://cravitzfinancial.com/your-retirement-plan-looks-great-unless-one-of-you-dies-early/) - Most couples build their retirement plan assuming both spouses will live a long life together. But one of the biggest blind spots in retirement planning is asking:What happens if one spouse passes away much earlier than expected? In this video, I walk through a real retirement planning case study and show how the loss of
- [The $80,000 Gain They Thought Was Tax-Free (It Wasn't)](https://cravitzfinancial.com/the-80000-gain-they-thought-was-tax-free-it-wasnt/)
- [You Have $2 Million You Don't Know About. Here's the Proof.](https://cravitzfinancial.com/you-have-2-million-you-dont-know-about-heres-the-proof/)
- [You Saved $1.8 Million for Retirement. Why Doesn't It Feel Like Enough?](https://cravitzfinancial.com/you-saved-1-8-million-for-retirement-why-doesnt-it-feel-like-enough/)
- [Are You Leaving Thousands on the Table in Retirement?](https://cravitzfinancial.com/are-you-leaving-thousands-on-the-table-in-retirement/) - Most people do not realize it, but they may be leaving thousands of dollars on the table in the early years of retirement. Not because they did something wrong. But because of how they are taking income and the order those decisions are being made. In this video, I walk through a real example of
- [Retiring in 5 Years? The Biggest Mistake No One Prepares For](https://cravitzfinancial.com/retiring-in-5-years-the-biggest-mistake-no-one-prepares-for/)
- [Retiring Before 65? The Hidden $20,000 Health Insurance Trap](https://cravitzfinancial.com/retiring-before-65-the-hidden-20000-health-insurance-trap/)
- [Retiring at 65 With $1.5M? Here’s How Much You Can Actually Spend](https://cravitzfinancial.com/retiring-at-65-with-1-5m-heres-how-much-you-can-actually-spend/)
- [What Happens If the Market Drops 30% in Your First Year of Retirement?](https://cravitzfinancial.com/what-happens-if-the-market-drops-30-in-your-first-year-of-retirement/)
- [Retiring with Most of Your Savings in a 401(k)? Watch This Before Withdrawals Start](https://cravitzfinancial.com/retiring-with-most-of-your-savings-in-a-401k-watch-this-before-withdrawals-start/)
- [Why Social Security Taxes Are So Confusing](https://cravitzfinancial.com/why-social-security-taxes-are-so-confusing/) - Social Security taxation is one of the most misunderstood areas of retirement planning. In this video, I walk through the concepts that tend to cause the most confusion, including provisional income, how filing status affects taxation, and how deductions and withholding interact with your Social Security benefits. Many people are surprised to learn that provisional
- [Is $1 Million Enough to Retire?](https://cravitzfinancial.com/is-1-million-enough-to-retire/)
- [Retiring Early Can Quietly Reduce Your Social Security](https://cravitzfinancial.com/how-early-retirement-can-impact-your-social-security-benefit/) - When people think about retiring early, most of the focus is on the first few years of retirement. Health insurance, market risk, and whether savings can comfortably support the transition. All of that matters. But there is another piece that often gets overlooked. How stopping work earlier than planned can quietly change your future Social
- [Claiming Social Security at 62: When It Deserves More Thought](https://cravitzfinancial.com/claiming-social-security-at-62-when-it-deserves-more-thought/) - Claiming Social Security at age 62 is one of the most common retirement decisions people make. And for some, it is absolutely the right choice. The problem is usually not claiming early. It is making the decision too quickly, without fully understanding the tradeoffs. In this video, I walk through three situations where claiming at
- [Should You Do a Roth Conversion? The Real Answer for Retirees](https://cravitzfinancial.com/should-you-do-a-roth-conversion-the-real-answer-for-retirees/) - Roth conversions are one of the most talked about strategies in retirement planning, and for good reason. A well timed conversion can reduce future required minimum distributions, lower your lifetime tax bill, help you avoid Medicare IRMAA surcharges, and even make things easier for a surviving spouse or for your kids. However, a poorly timed
- [Most Retirement Account Mixes Are Built by Accident](https://cravitzfinancial.com/most-retirement-account-mixes-are-built-by-accident/)
- [Your First Year of Retirement: 5 Things You Must Get Right](https://cravitzfinancial.com/your-first-year-of-retirement-5-things-you-must-get-right/)
- [Getting Ready to Retire: 7 Smart Moves for a Smooth Transition](https://cravitzfinancial.com/getting-ready-to-retire-7-smart-moves-for-a-smooth-transition/)
- [When the Numbers Say You’re Ready but You Still Can’t Retire](https://cravitzfinancial.com/when-the-numbers-say-youre-ready-but-you-still-cant-retire/)
- [Avoid These 5 401(k) Mistakes Before You Retire Early](https://cravitzfinancial.com/avoid-these-5-401k-mistakes-before-you-retire-early/)
- [Retiring with All Pre-Tax Accounts? Here’s How to Minimize Taxes.](https://cravitzfinancial.com/retiring-with-all-pre-tax-accounts-heres-how-to-minimize-taxes/) - If most or even all of your savings are in pre tax accounts like 401(k)s or traditional IRAs, you are not alone. For many people, that is exactly how they were told to save. Defer taxes, let the money grow, and figure it out later. But later is now retirement, and that is where things
- [Why Retirement Completely Changes Once You’ve Saved $1.5 Million](https://cravitzfinancial.com/why-retirement-completely-changes-once-youve-saved-1-5-million/)
- [When to Stop Saving for Retirement (And Start Enjoying Life)](https://cravitzfinancial.com/when-to-stop-saving-for-retirement-and-start-enjoying-life/)
- [How Much You Should Have Saved One Year Before Retirement?](https://cravitzfinancial.com/how-much-you-should-have-saved-one-year-before-retirement/)
- [Age 62 with $1M Saved – Can You Retire Today?](https://cravitzfinancial.com/age-62-with-1m-saved-can-you-retire-today/)
- [The Most Common “I Wish I Had” Stories from Working with 100+ Retirees](https://cravitzfinancial.com/the-most-common-i-wish-i-had-stories-from-working-with-100-retirees/) - After working with over a hundred retirees, I’ve noticed a consistent pattern. The biggest regrets people share aren’t about investments, account balances, or tax brackets. They’re about the things money can’t buy back: time, health, energy, and missed experiences. Again and again, I hear the same three words: “I wish I had…” In this video,
- [You’ve Been Told to Save $1M to Retire – But Here’s the Problem](https://cravitzfinancial.com/youve-been-told-to-save-1m-to-retire-but-heres-the-problem/) - You have probably heard the rule of thumb that you need $1 million to retire. The problem is, that number is both too simple and often misleading. Depending on your lifestyle, income needs, taxes, and healthcare costs, $1 million could be far more than you will ever need or it could fall short. In this
- [84% of Retirees Make this RMD Mistake (and How to Avoid It)](https://cravitzfinancial.com/84-of-retirees-make-this-rmd-mistake-and-how-to-avoid-it/) - A JP Morgan Chase study found that 84% of retirees only take their Required Minimum Distributions (RMDs) and it’s quietly costing them. While it seems smart to “just follow the IRS rules,” it often results in: Less money to spend in your best yearsHigher taxes and Medicare penalties laterReduced control over your retirement income In
- [5 Common Purchases Retirees Regret Buying](https://cravitzfinancial.com/5-common-purchases-retirees-regret-buying/) - Many retirees look back on their first few years of retirement with one common feeling: regret over certain big purchases. In this video, I share the top 5 retirement money mistakes I’ve seen retirees make, and how you can avoid them. I’ll share some real stories and possible alternatives to some of the most common
- [How to Maximize Social Security for Married Couples – Claim Now?](https://cravitzfinancial.com/how-to-maximize-social-security-for-married-couples-claim-now/) - If you’re married and approaching retirement, deciding when to claim Social Security isn’t just about you. It’s about your entire household. The timing of your benefits can have a major impact on your lifetime income, taxes, and survivor benefits. In this video, we’ll walk through: Key factors to consider before claiming Social Security How spousal
- [6 Retirement Planning Risks People Overlook. Are You Ready?](https://cravitzfinancial.com/6-retirement-planning-risks-people-overlook-are-you-ready/)
- [The Roth Conversion Trap that Destroys Retirement Portfolios](https://cravitzfinancial.com/the-roth-conversion-trap-that-destroys-retirement-portfolios/) - Roth conversions can be one of the smartest retirement planning moves, but only if you do them right. In this video, I uncover the 5 most common Roth conversion mistakes that can quietly derail your financial future, including: Converting too much at once Ignoring the impact on Medicare premiums Not considering Social Security timing Not knowing when
- [How a Pension in Retirement Changes Everything](https://cravitzfinancial.com/how-a-pension-in-retirement-changes-everything/)
- [How Much of Your Social Security Is Taxed? 2025 Law + New Senior Deduction Explained](https://cravitzfinancial.com/how-much-of-your-social-security-is-taxed-2025-law-new-senior-deduction-explained/) - There has been a lot of buzz around the new bill signed on July 4, 2025, with claims that Social Security benefits are no longer taxed. But is that really true? This video breaks down what the bill actually changes, including a new temporary deduction for seniors 65 and older (and when it starts phasing
- [4 Retirement Myths That Could Cost You](https://cravitzfinancial.com/4-retirement-myths-that-could-cost-you/)
- [Risks in Retirement – Why the Average Rate of Return May Not Matter](https://cravitzfinancial.com/risks-in-retirement-why-the-average-rate-of-return-may-not-matter/) - 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
- [401(k) vs Roth 401(k). Case Study Example – What If Tax Rates Rise?](https://cravitzfinancial.com/401k-vs-roth-401k-case-study-example-what-if-tax-rates-rise/) - 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
- [Can I Afford To Retire?](https://cravitzfinancial.com/can-i-afford-to-retire/) - 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
- [Can I Have Multiple Life Insurance Policies?](https://cravitzfinancial.com/can-i-have-multiple-life-insurance-policies/) - 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
- [Is a Roth 401(k) Better Than a 401(k)? [Case Study]](https://cravitzfinancial.com/is-a-roth-401k-better-than-a-401k-case-study/) - 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
- [Reason to Buy Life Insurance {To “Replace” a Social Security Check}](https://cravitzfinancial.com/reason-to-buy-life-insurance-to-replace-a-social-security-check/) - 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
- [Should I Convert My IRA to a Roth IRA? Is a $550,000 IRA enough?](https://cravitzfinancial.com/should-i-convert-my-ira-to-a-roth-ira-is-a-550000-ira-enough/) - 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
- [What Will My After Tax Income Be In Retirement?](https://cravitzfinancial.com/what-will-my-after-tax-income-be-in-retirement/) - 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
- [Investing For Retirement -Potential Impact Of Volatility](https://cravitzfinancial.com/investing-for-retirement-potential-impact-of-volatility/) - 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
- [Should I Buy An Annuity {Case Study}](https://cravitzfinancial.com/should-i-buy-an-annuity-case-study/) - 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
- [How Do Penalties And Free Withdrawals Work On Annuities?](https://cravitzfinancial.com/how-do-penalties-and-free-withdrawals-work-on-annuities/) - 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
- [Can You Afford To Retire? Perhaps Yes Even If You Are Thinking No.](https://cravitzfinancial.com/can-you-afford-to-retire-perhaps-yes-even-if-you-are-thinking-no/) - 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
- [Social Security Changes For 2023](https://cravitzfinancial.com/social-security-changes-for-2023/) - 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
- [Will Social Security Be There For Me When I Retire?](https://cravitzfinancial.com/will-social-security-be-there-for-me-when-i-retire/) - 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.
- [How Much Can You Contribute To a Traditional IRA For 2022?](https://cravitzfinancial.com/how-much-can-you-contribute-to-a-traditional-ira-for-2022/) - 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
- [Can You Make a Deductible IRA Contribution For 2022?](https://cravitzfinancial.com/can-you-make-a-deductible-ira-contribution-for-2022/) - 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
- [Secure Act 2.0: Later RMDs, 529-to-Roth Rollovers, and Other Tax Planning Opportunities](https://cravitzfinancial.com/secure-act-2-0/) - 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 Plans Keep in mind, when you delay those Required Minimum Distributions, it will lead to larger account balances at death, which could
- [Should I Consider a Roth Conversion?](https://cravitzfinancial.com/should-i-consider-a-roth-conversion/) - 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
- [Proactive Planning – 2023](https://cravitzfinancial.com/5-key-resolutions/) - 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
- [This Social Security Mistake Could Cost You $100,000.](https://cravitzfinancial.com/this-social-security-mistake-could-cost-you-100000/) - 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 This one Social Security mistake is costing the average household $111k! Only 4% of retirees claim Social Security at the most "financially optimal time."
- [Long Term Care Insurance: 3 Things to Consider Before Buying a Policy](https://cravitzfinancial.com/long-term-care-insurance-3-things-to-consider-before-buying-a-policy/) - 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,
- [3 Retirement Risks That Could Cause You To Run Out Of Money](https://cravitzfinancial.com/3-retirement-risks-that-could-cause-you-to-run-out-of-money/) - 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
- [What Should I Do With My Old 401(k)?](https://cravitzfinancial.com/what-should-i-do-with-my-old-401k/) - 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
- [Which Withdrawal Strategy Is Right For Your Retirement?](https://cravitzfinancial.com/which-withdrawal-strategy-is-right-for-your-retirement/) - 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
- [Hidden (and not so hidden) Fees, Penalties, and Taxes in Retirement](https://cravitzfinancial.com/hidden-and-not-so-hidden-fees-penalties-and-taxes-in-retirement/) - 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
- [One of the Toughest Transitions in Retirement: Becoming a Spender Instead of a Saver](https://cravitzfinancial.com/one-of-the-toughest-transitions-in-retirement-becoming-a-spender-instead-of-a-saver/) - 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
- [Is There Any Reason to Use a Traditional IRA?](https://cravitzfinancial.com/is-there-any-reason-to-use-a-traditional-ira/) - “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, Ryan explains to Erin why he agrees that more people need to
- [3 Strategies to Minimize Your Social Security Taxes](https://cravitzfinancial.com/3-strategies-to-minimize-your-social-security-taxes/) - 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
- [Do You Need Life Insurance In Retirement?](https://cravitzfinancial.com/do-you-need-life-insurance-in-retirement/) - A lot of people wonder if you still need life insurance when you’re retired, since you’re no longer working and, for most of retirees, the kids are grown and out of the house. However, according to Ryan there are several reasons you should still consider owning life insurance in retirement. He breaks down 3 reasons:
- [Social Security COLA Jumps 3.2% for 2024... but Medicare Part B Jumps 5.9%!](https://cravitzfinancial.com/social-security-cola-jumps-3-2-for-2024-but-medicare-part-b-jumps-5-9/) - The 3.2% cost of living adjustment reflects another year of high inflation. However, we now know we’ll be paying almost 6% more for Medicare Part B! That doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you, in this video we will walk through these
- [When Can You Afford to Retire?](https://cravitzfinancial.com/when-can-you-afford-to-retire/) - Often times I talk to people that don’t think they can afford to retire, but they actually can. Others think they need to work for perhaps another 5 or 6 years when they could actually retire perhaps in just a couple of years. Often I find that it’s the people that have done the best
- [Does It Make Sense To Convert To A Roth IRA](https://cravitzfinancial.com/does-it-make-sense-to-convert-to-a-roth-ira/) - One of the biggest mistakes I see people make is not knowing how much they should convert to a Roth IRA, and even whether you should even do any Roth IRA conversions at all. Both not converting enough and converting too much could cause you to pay more in taxes over the course of your
- [Can This Couple Afford To Retire Now? {Early 60's}](https://cravitzfinancial.com/can-this-couple-afford-to-retire-now-early-60s/) - In this video we will walk through a sample case study of a couple that were approaching retirement. The husband is 62 and the wife is 61. We will first look at what the chances would be of them running out of money in retirement if they were to retire now. Then we will take
- [Does Working Longer Increase Social Security Benefits?](https://cravitzfinancial.com/does-working-longer-increase-social-security-benefits/) - Will continuing to work help increase your Social Security benefits? On your Social Security statement it shows how much you would receive if you file for benefits at various ages assuming that you continue to work. However, what if you stop working now, and don’t plan to take your benefits for a few more years?
- [Expenses in Retirement What's Your Plan?](https://cravitzfinancial.com/expenses-in-retirement-whats-your-plan/) - It’s important to have an understanding of what your expenses are going to be in retirement. Having a spending plan or an income plan to meet your expenses and provide the lifestyle that you would like to have in retirement helps to give you the confidence to spend. Often the people that were the best
- [Can This 60 Year Old With $600,000 Retire At 65?](https://cravitzfinancial.com/can-this-60-year-old-with-600000-retire-at-65/) - Mike was turning 60 next month. He had $400,000 in a pre-tax 401(k) and $200,000 in a taxable brokerage account. He wanted to retire at 65 if possible. In this sample case study we will discuss several things including: When he should take his Social Security (and his Survivor benefit). The pros and cons of
- [Should You Buy An Annuity For Guaranteed Lifetime Income? {Case Study}](https://cravitzfinancial.com/should-you-buy-an-annuity-for-guaranteed-lifetime-income-case-study/) - Should you buy an annuity as a part of your retirement portfolio. In this video we will examine the pros and cons of purchasing a fixed indexed annuity with a guaranteed lifetime income rider with a portion of your retirement savings. We look at a sample case study of a couple who are ages 67
- [5 Retirement Planning Mistakes To Avoid](https://cravitzfinancial.com/5-retirement-planning-mistakes-to-avoid/) - A financially secure and happy retirement doesn’t just happen; it takes planning and some modifications as you get older. In this video, I will discuss some of the mistakes. 1. Not Having a Plan 2. Forgetting about Inflation 3. Not Creating any Tax-Free Income 4. Investing too Conservatively 5. Taking on too much Risk as
- [When Should You Take Your Social Security Retirement Benefits?](https://cravitzfinancial.com/when-should-you-take-your-social-security-retirement-benefits/) - When should you begin collection your Social Security retirement benefits? You can take it at anytime between age 62 and 70. What’s the right choice for you? In this video we’ll discuss some of the important things to think about when making this decision. Some of the factors you’ll want to consider include: If you
- [What is a Retirement Drawdown Strategy? 5 Tips to Make Your Money Last.](https://cravitzfinancial.com/what-is-a-retirement-drawdown-strategy-5-tips-to-make-your-money-last/) - You spend decades building your nest egg. Then, when you retire, you need a plan to stop saving and start spending, but not too much that you risk running out of money. It’s a delicate balance. In this video, we’ll discuss 5 variables that are important to consider: Plan for Longevity Make the Right Decision
- [Should Couples Retire Together?](https://cravitzfinancial.com/should-couples-retire-together/) - Couples should carefully consider the financial and emotional consequences of retiring simultaneously before making the decision. If you’re considering retiring at the same time, we walk through 4 questions you should consider first: Have You Correctly Calculated Your Cost of Living in Retirement? According to a recent study: 46% of older adults spend MORE money
- [5 Signs Your Advisor is Doing Real Financial Planning](https://cravitzfinancial.com/5-signs-your-advisor-is-doing-real-financial-planning/) - Is your financial advisor truly planning for your future, or just coasting? In this video, Ryan and Erin lay out the five signs that your advisor is delivering genuine financial planning, not just quick fixes. A truly committed advisor will: Help you define your goals and objectives Gather details on ALIE (Assets, Liabilities, Income, and
- [Understanding Multi-Year Guarantee Annuities (MYGA's)](https://cravitzfinancial.com/understanding-multi-year-guarantee-annuities-mygas/) - In this video I explain what Multi-Year Guarantee Annuities (MYGA’s) are, how they work, and why they have become more popular recently. We will look at the liquidity options, terms, taxes, some current MYGA rates and more. I’ll cover the important things to know about MYGA’s, and I’ll share some thoughts on how you might
- [Don't Confuse a Roth Conversion With a Contribution](https://cravitzfinancial.com/dont-confuse-a-roth-conversion-with-a-contribution/) - A Roth IRA conversion and a contribution are not the same thing. Making a Roth IRA contribution and doing a Roth conversion are both ways to get money into a Roth IRA. However, the rules for each are very different. Often times I have found there is confusion in this area. This short video explains
- [Retire at 65 And Take Social Security Or Delay? {Case Study - Age 64}](https://cravitzfinancial.com/retire-at-65-and-take-social-security-or-delay-case-study-age-64/) - Deciding when to collect Social Security benefits is more complex if you have other assets or sources of income available to you in retirement. If you have money saved in retirement accounts or have other savings and investments, then even though you retire it doesn’t necessarily mean that you should start your Social Security benefits
- [Should You Pay Off Mortgage Early Or Invest?](https://cravitzfinancial.com/should-you-pay-off-mortgage-early-or-invest/) - The age-old debate continues: should you pay off your mortgage early or invest for the future? In this video, we talk through whether the answer to that question has changed considering the higher rates today on “safe money”. Before deciding if you should pay off your mortgage faster it’s important to think through the answers
- [Couples Planning For Retirement {Widow's Tax Trap}](https://cravitzfinancial.com/couples-planning-for-retirement-widows-tax-trap/) - If you are married and planning for retirement it’s important to not overlook the widow’s tax trap. Certainly it’s important to make sure that you are planning to have all the income that you need to sustain the lifestyle that you want to have all throughout retirement even if both of you live a long
- [Can This Couple Retire Earlier Than Planned {Case Study - 58 and 56}](https://cravitzfinancial.com/can-this-couple-retire-earlier-than-planned-case-study-58-and-56/) - In this sample case study this couple was aiming to retire at age 65. As it turns out they were in a good position to retire even sooner than they hoped. In this video I will walk though some of the different strategies we considered to make this possible and we look at various scenarios.
- [Are They On Track To Retire At 65? {62 and 62 - $700k}](https://cravitzfinancial.com/are-they-on-track-to-retire-at-65-62-and-62-700k/) - In this video I share a sample case study. These folks are both 62 and ideally would like to retire at 65 with $6,000 a month available after taxes for living expenses. Unfortunately, they weren’t on track to accomplish this so some adjustments needed to be made. We will look at the impact of some
- [Understanding The Retirement Bucket Strategy {Income Planning in Retirement}](https://cravitzfinancial.com/understanding-the-retirement-bucket-strategy-income-planning-in-retirement/) - It’s possible to achieve sustainable income in retirement by utilizing the “Retirement Bucket Strategy.” This strategy involves dividing your retirement savings into different “buckets” based on your spending needs, risk tolerance and other factors. In this short video, we explain each bucket: Short term Bucket Intermediate Bucket Long-term Bucket These buckets represent different asset classes
- [What To Consider Before Doing a Roth Conversion](https://cravitzfinancial.com/what-to-consider-before-doing-a-roth-conversion/) - In this video we share some of the important things to consider before doing a Roth conversion. Some of the things we discuss include whether you should do a Roth conversion or not. If so, when should you do a Roth conversion? How much should you convert? With taxes set to increase in 2026 this
- [Popular Financial Guru Proposes An 8% Withdrawal Rule. Is That Realistic?](https://cravitzfinancial.com/popular-financial-guru-proposes-an-8-percent-withdrawal-rule-is-that-realistic/) - Recently, on his popular show, Dave Ramsey, a well-known, “financial expert” dismissed the common advice to withdraw only 4% of your retirement savings annually as “moronic,” advocating instead for an 8% withdrawal rate. In this video, we talk through whether and when an 8% withdrawal rate makes sense. Here’s the answer: yes, it might make
- [Should You Pay For Long-Term Care With Your IRA? {Tax Impact}](https://cravitzfinancial.com/should-you-pay-for-long-term-care-with-your-ira-tax-impact/) - In this video we look at an example of what the tax impact could be if someone were to withdraw a substantial amount of money from an IRA to pay for long term care. Many people, if not most people, that have done a great job of saving for retirement have most of their money
- [Social Security COLA up 2.5% for 2025...Medicare Part B projected to jump 5.9%](https://cravitzfinancial.com/social-security-cola-up-2-5-for-2025-medicare-part-b-projected-to-jump-5-9/) - The 2.5% cost of living adjustment reflects a steady decline in inflation. However, it looks like the standard Medicare Part B premium is going up almost 6%! That likely doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you we will walk through the following
- [4 Reasons Why Your Taxes Might Be Higher In Retirement](https://cravitzfinancial.com/4-reasons-why-your-taxes-might-be-higher-in-retirement/) - Many people worry that taxes will increase once they retire, but will that actually be the case? In this video, we break down 4 key reasons why your taxes might go up in retirement, and a few thoughts on how you can plan to manage it. Key Takeaways: **Successful Saving: Large withdrawals from pre-tax retirement
- [What is a Good Monthly Retirement Income For You in Retirement?](https://cravitzfinancial.com/what-is-a-good-monthly-retirement-income-for-you-in-retirement/) - According to the Bureau of Labor Statistics, the average annual expenses for people 65 plus in 2021 was about $52,141.00, which works out to about $4,345 a month. But as we talk about here, no two people are alike, so figuring out how much money YOU will need depends on your lifestyle and your unique
- [Understanding the Rule of 55 {Retire Early}](https://cravitzfinancial.com/understanding-the-rule-of-55-retire-early/) - In this video I’m sharing what you need to know about the rule of 55. If you are planning to retire early or if you leave your job prior to age 59.5 you might be able to access the funds in your 401(k) without having to pay the 10% penalty. I will go over the
- [Can They Retire On $500k? {Case Study - 65 & 67}](https://cravitzfinancial.com/can-they-retire-on-500k-case-study-65-67/) - In this video I am sharing a sample case which is based on a couple that I have been working with recently. He is 65 and she is 67, and they have $500,000 saved in their retirement accounts. They would like to retire now. We’ll take a look at their current situation and the strength
- [Retiring in 2025? 5 Money Moves to Make Before You Retire.](https://cravitzfinancial.com/retiring-in-2025-5-money-moves-to-make-before-you-retire/) - Retirement planning usually takes place over decades. Checking in with yourself throughout the planning process can keep you on track, but you also need to give your finances a hard look. In this video, we lay out 5 steps you need to make before you tell the boss goodbye: 1. Decide when to claim Social
- [The One Money Move That Could Add Years to Your Nest Egg](https://cravitzfinancial.com/the-one-money-move-that-could-add-years-to-your-nest-egg/) - Let’s address the number one fear of most retirees: running out of money. One way to make your nest egg last longer… figure out how to keep all of it in your pocket, as opposed to sharing it with the government. In this video, we discuss how converting your tax deferred accounts to Roth accounts
- [6 Questions You Should Ask Your Advisor Before You Retire](https://cravitzfinancial.com/6-questions-you-should-ask-your-advisor-before-you-retire/) - Before you retire, there are very specific questions you should ask your advisor. In this video we talk through those questions, which, when answered, can give you a much clearer picture as to whether you are really ready to retire. Those questions are: Am I financially ready to retire? What income sources will I rely
- [Are You Tax Ready For Retirement?](https://cravitzfinancial.com/are-you-tax-ready-for-retirement/) - Taxes don’t disappear in retirement. In fact, understanding tax implications can be even more important when you’re retired. In this video, we talk through 4 tax questions you should ask your financial advisor before retiring, including: How will my tax situation change once I retire? Are there strategies to reduce my tax liability in retirement?
- [If You’re Over 60 and Still Working… Watch THIS](https://cravitzfinancial.com/if-youre-over-60-and-still-working-watch-this/) - If you’re over 60 and still working full time, there’s a good chance you’ve already reached financial freedom—but just don’t know it yet. In this video, we uncover reasons people delay retirement and share the real story of someone who broke free from the cycle of “just a few more year years.” Learn what questions
- [5 Smart Times to Do a Roth Conversion](https://cravitzfinancial.com/5-smart-times-to-do-a-roth-conversion/) - When is the best time to do a Roth conversion? In this video, we cover 5 smart times to consider converting to a Roth IRA, including during market downturns, in years with lower income, and in the gap between retirement and required minimum distributions. It’s important to plan now to help lower your taxes in the
- [3 Smart RMD Strategies to Lower Your Taxes in Retirement](https://cravitzfinancial.com/3-smart-rmd-strategies-to-lower-your-taxes-in-retirement/) - Even if you’re still a several years away from having to take Required Minimum Distributions (RMDs), the best time to plan for them is now. In this video, we walk through three proactive strategies you can start planning for now to help reduce the future impact of RMDs and potentially lower your lifetime tax bill. Take
- [I’m 62 with $1M – Should I Claim Social Security Now or Wait?](https://cravitzfinancial.com/im-62-with-1m-should-i-claim-social-security-now-or-wait/) - Whether you’ve saved $1 million or not, deciding when to claim Social Security is one of the most important retirement choices you’ll face. In this video, I walk through a real life example to break down the key factors in claiming Social Security early versus delaying. The insights apply to almost anyone nearing retirement, no
- [Retirement at Age 60 vs 65: The REAL Difference](https://cravitzfinancial.com/retirement-at-age-60-vs-65-the-real-difference/) - If you’re in your late 50s or early 60s and wondering whether to retire around age 60 or keep working until 65, you’re not alone. In this video, I break down the real trade-offs—financial, emotional, and lifestyle—and share the story of a couple facing the same decision. I cover key topics like healthcare, Social Security
- [How This Couple Retired Early with $600k in Retirement Savings](https://cravitzfinancial.com/how-this-couple-retired-early-with-600k-in-retirement-savings/) - In this video, I break down how I helped one couple retire comfortably with $600,000 in savings. You often hear that you need a million, two million, or some other arbitrary number to retire—but that idea can be misleading. The truth is, there is no one-size-fits-all number. Every situation is different, and every person has
- [The Retirement Savings Lies That Keep Retirees Working Too Long](https://cravitzfinancial.com/the-retirement-savings-lies-that-keep-retirees-working-too-long/)
- [How Much Do I Need to Retire?](https://cravitzfinancial.com/how-much-do-i-need-to-retire/) - Today we’ll look at the data and break down the numbers to help you get an idea of how much you’re going to need to re-tire.
- [How Much Can I Spend in Retirement?](https://cravitzfinancial.com/how-much-can-i-spend-in-retirement/) - As you approach retirement, one of the most pressing questions is how much you can withdraw from your savings without running out of money.
- [Why Delay Social Security Benefits?](https://cravitzfinancial.com/why-delay-social-security-benefits/) - Join us as we explore five compelling reasons why you might want to consider postponing your Social Security claims, from maximizing survivor benefits to enhancing long-term financial stability.
- [5 Things You Need to Know About Required Minimum Distributions (RMDs) When Planning for Retirement](https://cravitzfinancial.com/5-things-you-need-to-know-about-required-minimum-distributions-rmds-when-planning-for-retirement/) - Most people don’t start thinking about Required Minimum Distributions (RMDs) until they start nearing those milestone ages, but you should start incorporating strategies into your planning further out to give yourself the best chance to maximize those withdrawals.
- [5 Things People Get Wrong About Social Security When Planning for Retirement](https://cravitzfinancial.com/5-things-people-get-wrong-about-social-security-when-planning-for-retirement/) - Today we’re going to give you three compelling reasons why you should consider retiring now or as soon as possible.
- [3 Reasons To Retire Now (Or As Soon As Possible)](https://cravitzfinancial.com/3-reasons-to-retire-now-or-as-soon-as-possible/) - Today we’re going to give you three compelling reasons why you should consider retiring now or as soon as possible.
- [The Key Questions to Answer in Retirement Planning](https://cravitzfinancial.com/the-key-questions-to-answer-in-retirement-planning/) - In this video, Ryan Cravitz will tackle some of the most fundamental yet challenging questions about retirement planning.
- [For Couples, Retirement Planning Is A Team Sport](https://cravitzfinancial.com/for-couples-retirement-planning-is-a-team-sport/) - Are you and your spouse on the same page when it comes to what you want in your retirement? If not, it’s time to talk.
- [Social Security Shakeup: What Changes Could Be Coming Down The Line?](https://cravitzfinancial.com/social-security-shakeup-what-changes-could-be-coming-down-the-line/) - Social Security is the backbone of retirement for millions of Americans, but big changes could be coming pretty soon.
- [Financial Mailbag: Annuities, Mortgage Debt, and Spousal Roth IRAs](https://cravitzfinancial.com/financial-mailbag-annuities-mortgage-debt-and-spousal-roth-iras/) - As we close out the year, we wanted to take the chance to answer a bunch of financial questions that we’ve received.
- [5 Questions You Need to Answer Before You Retire](https://cravitzfinancial.com/5-questions-you-need-to-answer-before-you-retire/) - To design your ideal retirement, you need to start with a few specific questions… and if you’re married, make sure you do this exercise together! In this video, we walk through what you should consider when answering these vital questions: 1. When do you want to retire? 2. Where do you want to live when
- [Beware of Retirement Half-Truths](https://cravitzfinancial.com/beware-of-retirement-half-truths/) - From the 4% rule to diversification myths, Ryan breaks down why these statements aren't always black and white and how to navigate them for a successful retirement.
- [Retiree Health Insurance: The Basics You Must Know](https://cravitzfinancial.com/retiree-health-insurance-the-basics-you-must-know/) - While you dream about the leisurely days ahead of you in retirement, it’s also important to think about some of the less glamorous items, including health insurance.
- [Don’t Make These Income Planning Mistakes](https://cravitzfinancial.com/dont-make-these-income-planning-mistakes/) - In today's episode, we'll unveil the crucial income planning mistakes that could jeopardize your retirement and show you how to craft a financial plan that's built to last decades, not just years. Tune in to ensure your retirement strategy is fool-proof against common pitfalls and ready to secure your financial future.
- [Practical Strategies for Protecting Retirees Against Scams & Fraud](https://cravitzfinancial.com/practical-strategies-for-protecting-retirees-against-scams-fraud/) - As much as any other threat, recognizing and avoiding scams has become a necessary skill for today’s retirees to develop. In today’s episode, we’ll share a story of how a scam destroyed a woman’s entire retirement savings. Then, we’ll explore some crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft.
- [Financial Questions That We’ve Been Asked Recently](https://cravitzfinancial.com/financial-questions-that-weve-been-asked-recently/) - We work through all types of scenarios with clients each day and find tools that will help them reach their financial goals. To help you get a better idea of how we work through these different scenarios, we are going to run through a list of questions that we’ve been asked recently.
- [What’s New with Social Security in 2024?](https://cravitzfinancial.com/whats-new-with-social-security-in-2024/) - Whether you're nearing retirement, already retired, or just planning ahead, it's crucial to stay informed about Social Security and any changes that happen each year. Today we’re going to share some key things that you need to know and bring you up to speed on some updates that need to be aware of. Ryan will also tell you how this might impact you and the planning you’ll do this year.
- [Important Retirement Updates & Changes for 2024](https://cravitzfinancial.com/important-retirement-updates-changes-for-2024/) - As we close in on the end of the year, we want to finish up by answering questions that people have asked us recently. We’ll cover key financial planning topics like retirement withdrawal rates, investing in CDs, advisor fees, Social Security and more.
- [Let’s Answer Some Common Financial Questions](https://cravitzfinancial.com/lets-answer-some-common-financial-questions/) - As we close in on the end of the year, we want to finish up by answering questions that people have asked us recently. We’ll cover key financial planning topics like retirement withdrawal rates, investing in CDs, advisor fees, Social Security and more.
- [9 Big Mistakes People Make When Approaching Retirement](https://cravitzfinancial.com/9-big-mistakes-people-make-when-approaching-retirement/) - In this episode, we've distilled it down to what we believe are nine big mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. So, join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement.
- [Counterintuitive Advice: Why You Should NOT Invest In A 401k) ](https://cravitzfinancial.com/counterintuitive-advice-why-you-should-not-invest-in-a-401k/) - Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect some reasons why someone should NOT invest in a 401(k).
- [Spotting Problematic Personalities of Rogue Advisors](https://cravitzfinancial.com/spotting-problematic-personalities-of-rogue-advisors/) - Finding a trustworthy and competent financial advisor is essential for securing your financial future. After all, they play a vital role in helping you make informed decisions about your money, investments, and long-term financial goals.
- [Is Investing in a Roth a Bad Idea?](https://cravitzfinancial.com/is-investing-in-a-roth-a-bad-idea/) - We came across an article recently that would get anyone’s attention when they’re trying to save for retirement. The headline said this person lost $400k in a Roth 401(k) and warned others about the risk as well. While this headline could very easily be characterized as clickbait, we wanted to explore it a little further and see how much truth was in these numbers.
- [The Universal Truths in Retirement](https://cravitzfinancial.com/the-universal-truths-in-retirement/) - Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree?
- [The Universal Truths of Retirement (PART 2)](https://cravitzfinancial.com/the-universal-truths-of-retirement-part-2/) - Today we’re going to finish up our two-part conversation that will juxtapose the individuality of retirement plans with the foundational principles that remain constant regardless of who you are.
- [Retirement Expenses For Which You Forgot To Plan](https://cravitzfinancial.com/retirement-expenses-for-which-you-forgot-to-plan/) - Are you preparing for retirement but feeling confident that you have covered all the expenses? Well, think again… It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable.
- [Retirement Savings Basics: What’s The Purpose Of All My Accounts?](https://cravitzfinancial.com/retirement-savings-basics-whats-the-purpose-of-all-my-accounts/) - Are you aware that not all retirement accounts are created equal? It's crucial to understand the purpose and advantages of each type of account to make the best choice for your future. In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and several other examples.
- [The Incomplete Financial Plan](https://cravitzfinancial.com/the-incomplete-financial-plan/) - Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete.
- [Does it Always Make Sense to Contribute to a Roth IRA?](https://cravitzfinancial.com/does-it-always-make-sense-to-contribute-to-a-roth-ira-2/) - I love Roth IRA’s. However, does it always make sense to contribute to one even if you are eligible to? I say definitely not always. In this video I describe a situation where I believe it’s a bad idea. Instead, in this specific scenario I recommended they fund a Traditional IRA instead. As you approach
- [Is an IRA a Good Investment?](https://cravitzfinancial.com/is-an-ira-a-good-investment/) - Is an IRA a good investment? Actually, an IRA is not a investment. Instead, it is an account. Within the IRA you can hold investments. Full Transcript: Hey everybody, it’s Ryan here. All right, so today I want to talk to you a little bit about IRAs. And specifically, I want to address a question
- [Is No Medical Exam Life Insurance Legit?](https://cravitzfinancial.com/is-no-medical-exam-life-insurance-legit/) - Many people wonder if no exam life insurance is legit. Why do some companies require you to take an exam, but other insurance companies do not require it? Should you be concerned about the safety or security of a company that doesn’t require a medical exam? In this video we’ll address these questions and more.
- [Should You Buy Term or Permanent Life Insurance?](https://cravitzfinancial.com/should-you-buy-term-or-permanent-life-insurance/) - Life insurance can be a confusing subject for many. One of the questions you should consider is whether term or permanent insurance is better. I believe neither is better. However, one is typically more appropriate for the given situation. When should you buy term life and when should buy permanent (whole) life insurance? In this
- [Should You Do a Roth Conversion in 2020?](https://cravitzfinancial.com/should-you-do-a-roth-conversion-in-2020/) - 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
- [Am I Able To Do A Roth Conversion? This is Often Misunderstood.](https://cravitzfinancial.com/am-i-able-to-do-a-roth-conversion-this-is-often-misunderstood/) - 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
- [Are Social Security Benefits Taxable? This is How it Works.](https://cravitzfinancial.com/are-social-security-benefits-taxable-this-is-how-it-works/) - 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
- [Example of How RMD’s Work. Paying Taxes on Unneeded RMD’s?](https://cravitzfinancial.com/example-of-how-rmds-work-paying-taxes-on-unneeded-rmds/) - 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
- [How Much Life Insurance Do I Need? For Income Protection](https://cravitzfinancial.com/how-much-life-insurance-do-i-need-for-income-protection/) - 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
- [How to Pass Money To Heirs Tax-Free. An Often Overlooked Way To Do It.](https://cravitzfinancial.com/how-to-pass-money-to-heirs-tax-free-an-often-overlooked-way-to-do-it/) - 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
- [Risks in Retirement – What is Sequence of Returns Risk](https://cravitzfinancial.com/risks-in-retirement-what-is-sequence-of-returns-risk/) - 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
- [Understand Required Minimum Distributions (RMDs) – 5 Questions](https://cravitzfinancial.com/understand-required-minimum-distributions-rmds-5-questions/) - 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
- [What is the Best Life Insurance Over 50?](https://cravitzfinancial.com/what-is-the-best-life-insurance-over-50/) - 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
- [An Example of When a Roth Conversion Makes Sense – Case Study](https://cravitzfinancial.com/an-example-of-when-a-roth-conversion-makes-sense-case-study/) - 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.
- [2021 Retirement Plan Contribution Limits and Phase-Outs](https://cravitzfinancial.com/2021-retirement-plan-contribution-limits-and-phase-outs/) - 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),
- [Investing In Retirement – Could Taking Withdrawals Make a Difference?](https://cravitzfinancial.com/investing-in-retirement-could-taking-withdrawals-make-a-difference/) - 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
- [Top 10 Tax Questions for 2023](https://cravitzfinancial.com/top-10-tax-questions-for-2023/) - In today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden.
- [The Ins and Outs of Annuities: What You Need to Know to Plan for Retirement](https://cravitzfinancial.com/the-ins-and-outs-of-annuities-what-you-need-to-know-to-plan-for-retirement/) - For episode 11 of Candid Conversations: Retirement Talk with Ryan Cravitz, we’re tackling a topic that’s often a source of confusion for many people: annuities. There are different types of annuities, each with their own unique nuances, and it’s important to have a basic understanding of how they work and how they might fit into your financial plan. In this episode, we’ll break down each type of annuity and discuss how they can be used to meet your specific financial goals.
- [The 3 Worlds of Money](https://cravitzfinancial.com/the-3-worlds-of-money/) - When you really boil it down, there are really only three places where you can invest money: the banking world, the insurance world, and the Wall Street world. Understanding how these three worlds of money are used is important, but so is knowing the pros can cons for each.
- [Mailbag Edition – Answering Listener Questions About IRAs, Long Term Care, Tax Brackets & Much More](https://cravitzfinancial.com/mailbag-edition-answering-listener-questions-about-iras-long-term-care-tax-brackets-much-more/) - For episode 10 of Candid Conversations: Retirement Talk with Ryan Cravitz, we’re peppering Ryan with, you guessed it, 10 listener questions about a wide range of financial planning and retirement topics. From IRAs to long term care, tax brackets, reverse mortgages and more, Ryan will share tips and guidance that will level up your financial knowledge in almost every corner of the retirement planning space.
- [Long-Term Benefits of Tax Planning](https://cravitzfinancial.com/long-term-benefits-of-tax-planning/) - Mentioning taxes is usually enough to turn people away from a conversation, but when you put some thought and strategy into how you approach your investments, taxes can actually work in your favor.
- [Are You Ready to Retire?](https://cravitzfinancial.com/are-you-ready-to-retire/) - The question that gets asked most often when someone sits down with a financial advisor is ‘Am I ready to retire?’ We all want to reach the point where we’re financially independent but have you taken the necessary steps to reach that point?
- [Traditional vs Roth IRA](https://cravitzfinancial.com/ep-6-traditional-vs-roth-ira/) - Most Americans will utilize a retirement account during their working career to put money aside for retirement, and the most common option is the IRA. However, things can get a little trickier when deciding whether a traditional IRA or a Roth IRA is the better fit for your investments.
- [Social Security, Annuities, and Life Insurance – Mailbag Edition](https://cravitzfinancial.com/social-security-annuities-and-life-insurance-mailbag-edition/) - On today’s show, we’re going to open up the mailbag and find out what questions you have for Ryan. Over the course of this episode, we’ll tackle annuities, life insurance policies, Social Security strategy, and whether it’s time to be more aggressive with your investments.
- [The Financial Red Zone](https://cravitzfinancial.com/ep-5-the-financial-red-zone/) - Mentioning taxes is usually enough to turn people away from a conversation, but when you put some thought and strategy into how you approach your investments, taxes can actually work in your favor.
- [Getting to Know Ryan Cravitz & the Podcast](https://cravitzfinancial.com/getting-to-know-ryan-cravitz-the-podcast/) - We’re kicking off the podcast with a little introduction to our show and host, Ryan Cravitz. Before we dive into the financial planning conversations we’ll have on future episodes, we wanted to lay the foundation for what’s to come on the show by giving you a little background on our business and how Cravitz Financial began.
- [The Importance of Income Planning](https://cravitzfinancial.com/the-importance-of-income-planning/) - On this episode of the podcast, we’re going to discuss the importance of income planning and why so many people fail to put a proper one in place. Plus, we’ll tell you about the steps we take with clients to insure they have a plan for turning everything they’ve accumulated over their career into income in retirement.
- [Busting Social Security Myths](https://cravitzfinancial.com/busting-social-security-myths/) - Mentioning taxes is usually enough to turn people away from a conversation, but when you put some thought and strategy into how you approach your investments, taxes can actually work in your favor.

## Pages

- [Home](https://cravitzfinancial.com/) - Turn Your Savings Into retirement Income With a plan for income, investments, Social Security, and taxes. CFP® Professional | RICP® | Orange county, CA | Clients Nationwide As seen in For retirees & future retirees STOP Spending Less in Retirement — Do This Instead. Read More Two Retirees. Same Savings. One Runs Out of Money.
- [About Us](https://cravitzfinancial.com/about-us/) - Hi, I’m Ryan Cravitz. I’m a CFP® professional and Retirement Income Certified Professional® focused on helping people who are retired or getting close to retirement turn what they’ve saved into a clear plan for income, investments, Social Security, and taxes. My Story Ryan Cravitz, cfp®, ricp® founder & Financial advisor One of the most common concerns I
- [Videos](https://cravitzfinancial.com/videos/) - Retirement Planning Videos Helpful videos on retirement income, Social Security, taxes, investing, and the decisions that can shape your retirement. Latest Retirement Videos STOP Spending Less in Retirement — Do This Instead. Learn MoreLearn More Two Retirees. Same Savings. One Runs Out of Money. Here’s Why Two retirees can start retirement with the same amount saved, the same
- [Frequently Asked Questions](https://cravitzfinancial.com/faqs/) - Questions Are a Good Place to start Here are answers to common questions about who I work with, how the process works, and what to expect before scheduling a call. Choosing the right financial planner is an important decision. Before deciding whether to work with a financial planner, it’s normal to have questions. You may
- [Services](https://cravitzfinancial.com/services/) - Retirement Planning for the Decisions that matter Most I help people who are retired or getting close to retirement coordinate income, investments, Social Security, taxes, and risk into one clear retirement plan. Retirement Income Planning Once retirement gets close, the question changes from “How much can I save?” to “How much can I safely spend?” Retirement
- [Start Here](https://cravitzfinancial.com/get-started/) - Retirement is a Big Transition. You Don’t Have to Figure It Out Alone. I help people who are retired or getting close to retirement bring income, investments, Social Security, and taxes together into a coordinated retirement plan. Planning for Retirement with Clarity and Confidence After decades of saving, the challenge is not just reaching retirement.
- [CONTACT](https://cravitzfinancial.com/contact/) - Contact Ryan Have a question or need to get in touch? Send me a message and I’ll respond within one to two business days. Contact Details Ryan@CravitzFinancial.com Office: 1-714-462-9155 500 N. State College Blvd. Suite 1100 Orange, CA 92868 For general questions, use the form below. If you are interested in working together, the best
- [Retirement Tax Planning Guide](https://cravitzfinancial.com/retirement-tax-planning-guide/) - Ryan Cravitz, CFP®, RICP® What Most People Don’t Know About Taxes in Retirement. And Why It Matters. Many retirees unknowingly miss tax planning windows that are only open for a limited time. Your information will never be shared. Unsubscribe at any time. Most people spend decades saving for retirement. Far fewer have a clear plan for
- [Financial Lab](https://cravitzfinancial.com/financial-lab/) - [tcb-script src=”//embed.typeform.com/next/embed.js”][/tcb-script]
- [Podcasts](https://cravitzfinancial.com/podcasts/) - Ryan Cravitz Podcasts Candid Conversations: Retirement Talk with Ryan Cravitz is a show specifically about retirement planning for people over 50 years of age. If you’re wanting to invest better, maximize your income, reduce taxes, and learn how to successfully retire, then this is the perfect show for you. Subscribe YouTube Apple Podcasts Spotify Amazon
- [Upload](https://cravitzfinancial.com/upload/) - [tcb-script type=”text/javascript” src=”https://app.precisefp.com/w/widget.js?key=dedaea77-2b3c-4750-9780-f5c434d2f8fe”][/tcb-script]
- [Schedule Meeting](https://cravitzfinancial.com/schedule/) - [tcb-script type=”text/javascript” src=”https://cdn.oncehub.com/mergedjs/so.js”][/tcb-script]
- [ABOUT](https://cravitzfinancial.com/about/) - I’m Ryan Cravitz! I’ve been working in the financial industry for 22 years now. Over that period of time I have developed a passion for helping people who are serious about their financial future simplify their financial lives and achieve financial freedom. MY STORY “Simplified, I like that. What does that mean?” Oh…don’t get me started.
- [Financial Planning Software](https://cravitzfinancial.com/plan/) - This video gives you an idea of what my financial planning software looks like. In this video I show how to set things up and import your accounts.
- [Chat](https://cravitzfinancial.com/chat/) - Schedule a 15 Minute Call [tcb-script type=”text/javascript” src=”https://cdn.oncehub.com/mergedjs/so.js”][/tcb-script]
- [Retire Ready Checkup](https://cravitzfinancial.com/retire-ready-checkup/) - The Retire Ready Checkup How Would You Rate Your Retirement Plan? Get your free assessment with our complimentary analysis. Will You Have Enough Money In Retirement? What’s this about? The Retire Ready Checkup is designed to give you a snapshot of your current financial picture. Think of it as a report card of your retirement
- [Privacy Policy](https://cravitzfinancial.com/privacy-policy/) - Privacy Policy Effective Date: 2/5/2015This privacy notice discloses the privacy practices for cravitzfinancial.com. This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following: What information we collect; With whom it is shared; How it can be corrected; How it is secured; How policy

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