Our Process - Cravitz Financial & Insurance Solutions

Holistic Retirement Planninng

We believe a sound retirement plan includes more than just a solid investment portfolio. It must integrate all aspects of your financial life.

We create holistic retirement income plans designed to help people retire with peace of mind.

Free Consultation

It starts with a 20 minute phone call for us to get to know each other. We will briefly discuss your financial situation and goals to ensure your situation matches with my expertise.

You can also ask any questions you have about the process or anything you'd like to have clarified. It's important to make sure we are a good fit.

Retirement checkup

A 3 Step Process Showing How You Can Improve Your Retirement Success.



Discovery Meeting

It's important to understand where we are now before deciding where to go and how we are going to get there. I will seek to get clarity on your retirement goals, needs, and concerns. 



Review Findings

We will review the recommendations and steps you can take to improve your retirement plan, invest better, maximize income and reduce taxes.



Think It Over

At this point I simply ask that you think it over. I am only looking for long-term relationships with clients. If you decide that it's not a good fit for any reason that is perfectly ok. You will never get any pressure to move forward.

Some of the questions we will answer include:

  • When can you retire?
  • Will you achieve your desired retirement income?
  • What improvements can you make to your retirement plan?
  • What are your options for healthcare in retirement?
  • Are there opportunities for Roth conversions? If so, when and how much?
  • Should you make any adjustments to your investment strategy?
  • Are your investments in the correct location to reduce taxes?
  • If you own any life insurance or long term care policies are they sufficient for your needs?
  • How can you reduce your taxes in retirement?
  • When should you collect your Social Security?

Still have questions?

Keep reading below...

How often will we meet?

Initially we will likely meet several times depending on the complexity of your situation. It's critical to ensure all components of your plan are addressed.

Once the initial planning is complete we will meet on an ongoing basis at least once or twice a year. We will make adjustments as necessary to ensure you are on target to meet your objectives.

In addition, you will receive unlimited support via phone, email, Zoom, and in-person meetings (for clients that live nearby). You will also have 24/7 online access to your financial portal and your retirement plan.

What is an RICP®?

The Retirement Income Certified Professional® (RICP®) is an advanced designation through the American College of Financial Services. It signifies a financial advisor has advanced education and specialized knowledge in retirement income planning.

Where will my investments be held and how can I see them?

We use Charles Schwab as our third party-custodian. They administer about $8.18 trillion in client assets and serve 34.7 million accounts. Your accounts can be viewed any time on their website or on the Cravitz Financial Client Portal.

Do you assist with insurance planning?

Often we find there is a need for either life insurance, annuities, or long-term care insurance as a part of a comprehensive retirement plan.

We are completely independent. If you needed a life insurance policy as an example, we would identify the top carriers and tell you the good the bad, the ugly of each and assist you in getting that in place.

We will also review any policies that you have in place now to ensure they are adequate for your needs.

Are you set up to meet virtually and work with people in other states?

We work with people across the United States.

We also have quite a few clients that are local that prefer meeting virtually. Instead of having to get in a car and drive to our office they can meet virtually from the comfort of their own living room.

Should I hire Cravitz Financial & Insurance Solutions?

Excellent question.

If you are wanting an advisor that engages in buying and selling stocks on a regular basis with the attempt of trying to predict and time the markets we aren't the right firm for you.

We believe markets as well as the news of the day are unpredictable. Predicting what the markets will do day to day, or if/when interest rates will go up and down is a fool's game.

Instead we focus on things you can control like helping to create a reliable income stream, reduce your taxes, invest smarter, and optimize your insurance.

What else should I know?

We specialize in retirement planning. We aim to ensure you have the money you need, to live the lifestyle you want, for the rest of your life.

We limit the amount of clients we bring on to provide a high level of personalized service and planning efforts.

We are firm believers in technology and invest in it heavily to make the retirement planning process as simple as possible.

What's the first step?

Schedule a 20 minute phone call.

Not ready to schedule yet?
Make sure to sign up below.

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500 N. State College Ste 1100
Orange, CA. 92868

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.

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