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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 and […]

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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 […]

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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 to take […]

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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 you […]

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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 […]

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Should I Convert My IRA to a Roth IRA? Is a $550,000 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 […]

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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 […]

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Is a Roth 401(k) Better Than a 401(k)? [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 […]

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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 […]

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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 […]

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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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