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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 […]

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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 […]

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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.  Some […]

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Couples Planning For Retirement {Widow’s 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 […]

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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 […]

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Should Couples Retire Together?

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 […]

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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 LongevityMake the Right Decision about Social Security BenefitsChoose the […]

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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 […]

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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 You […]

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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 […]

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Ryan@CravitzFinancial.com

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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