Tag Archives for " Cravitz financial "

Couples Planning For Retirement {Widow’s Tax Trap}

Videos

The widow’s tax trap: what married couples should plan forIf you’re married and planning for retirement, it’s important to consider more than what happens if both spouses live long lives together.You also need to understand what could happen financially after the first spouse dies.That is where the widow’s tax trap can become a problem.The surviving […]

Should You Pay Off Mortgage Early Or Invest?

Videos

Is it better to pay off the 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 to […]

Don’t Make These Income Planning Mistakes

Podcasts

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.

Retire at 65 And Take Social Security Or Delay? {Case Study – Age 64}

Videos

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 […]

Don’t Confuse a Roth Conversion With a Contribution

Videos

Roth IRA contributions and Roth conversions are two ways to get money into a Roth IRA. But they’re not the same thing, and the rules are very different.One of the most common questions I hear when discussing Roth conversions is, “I thought I couldn’t put that much money into a Roth IRA.”Another is, “My income […]

Understanding Multi-Year Guarantee Annuities (MYGA’s)

Videos

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 consider […]

Practical Strategies for Protecting Retirees Against Scams & Fraud

Podcasts

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.

5 Signs Your Advisor is Doing Real Financial Planning

Videos

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 objectivesGather details on ALIE (Assets, Liabilities, Income, and Expenses)Help optimize your Social […]

Should Couples Retire Together?

Videos

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 during their […]

Financial Questions That We’ve Been Asked Recently

Podcasts

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.

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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. 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 Security Administration or any other government agency.