Services - Cravitz Financial & Insurance Solutions

Holistic Financial Planning

We create holistic financial plans designed to help with the five critical components of retirement planning.

Social Security Planning

We will help you determine the best time take your Social Security, and will help you to coordinate any spousal, divorced spouse, or survivor benefits you may be entitled to with your own benefit.

To do this effectively we consider how your benefits will interact with your other sources of income. We also consider the longevity in your family as well as your current health. 

By looking at your entire financial picture we are able to determine a claiming strategy that helps to optimize your income and reduce your taxes.

Retirement IncomeInvestment

Once the paycheck has stopped we help turn your hard earned savings into a reliable income stream. Although investment returns are still important the focus becomes minimizing the volatility with a diversified asset portfolio. This typically includes traditional investments such as stocks, bonds, mutual funds, and ETF's.

Additionally, we incorporate fixed annuity products since they provide protection and guarantees against market losses and outliving your savings. Like Social Security or a pension, annuities can provide a guaranteed income for life.

Various sources of income are taxed differently. We create a withdrawal strategy that coordinates your various income streams to help minimize the taxes you have to pay.

Tax Planning

There's a difference between tax filing and tax planning. Tax filing is concerned with looking in the rear view mirror and filing taxes for last year. 

Tax forward planning has to do with looking at ahead, and seeking to minimize the taxes you'll have to pay over the course of your retirement.

Are you holding the right investments in each account? When should you withdraw money from your taxable, tax deferred, and tax free accounts? Can you reduce or eliminate taxes on your Social Security income? Should you incorporate Roth conversions? 

These are just some of the things that need to be considered.

Healthcare Planning

Healthcare costs have continued to increase faster than the overall inflation rate. It's critical to have a plan to pay for these costs.

There are important decisions to be made when it comes to Medicare. As a starting point you need to know when you need to sign up to avoid any penalties. Should you choose a Supplement or should you go with a Advantage plan? It's important to understand the differences to determine what's best for you. 

Also, Medicare doesn't cover long term care costs.

Planning for how you will pay for these expenses if they arise is critical to the success of your retirement plan.

Legacy & Estate Planning

Legacy & Estate planning involves making decisions as to who you'd like your assets to go to after you pass away. 

Estate planning also addresses how you want your affairs handled if you are in a position where you are not able to handle them on your own for any reason. We will work with you and your attorney or can recommend one if needed to ensure any discrepancies between your wishes and your current estate documents.

We will also address any life insurance needs. Even in retirement you might need life insurance. If you were to pass away would anyone such as your spouse suffer financially as result?

For instance, when one spouse passes away the surviving spouse loses a Social Security check. If there is enough income from assets outside of Social Security then life insurance may not be needed.

That said, it may be desired to help leave a legacy to children, grandchildren, or a favorite charity.

Investing for retirement in a crazy market

Confidence, Security, Peace of Mind
That’s Cravitz Financial


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.

Copyright © 2024 Cravitz Financial & Insurance Solutions | | Privacy Policy