Tag Archives for " retirement income planning "

Should You Buy An Annuity For Guaranteed Lifetime Income? {Case Study}

Videos

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 […]

Can This 60 Year Old With $600,000 Retire At 65?

Videos

Mike was turning 60 next month. He had $400,000 in a pre-tax 401(k) and $200,000 in a taxable brokerage account. He wanted to retire at 65 if possible. In this sample case study we will discuss several things including: When he should take his Social Security (and his Survivor benefit). The pros and cons of […]

Expenses in Retirement What’s Your Plan?

Videos

It’s important to have an understanding of what your expenses are going to be in retirement. Having a spending plan or an income plan to meet your expenses and provide the lifestyle that you would like to have in retirement helps to give you the confidence to spend. Often the people that were the best […]

Does Working Longer Increase Social Security Benefits?

Videos

Will continuing to work help increase your Social Security benefits? On your Social Security statement it shows how much you would receive if you file for benefits at various ages assuming that you continue to work. However, what if you stop working now, and don’t plan to take your benefits for a few more years? […]

When Can You Afford to Retire?

Videos

Often times I talk to people that don’t think they can afford to retire, but they actually can. Others think they need to work for perhaps another 5 or 6 years when they could actually retire perhaps in just a couple of years. Often I find that it’s the people that have done the best […]

Social Security COLA Jumps 3.2% for 2024… but Medicare Part B Jumps 5.9%!

Videos

The 3.2% cost of living adjustment reflects another year of high inflation. However, we now know we’ll be paying almost 6% more for Medicare Part B! That doesn’t mean you’ll see a smaller Social Security check in January, but if you’re wondering how this will affect you, in this video we will walk through these […]

Hidden (and not so hidden) Fees, Penalties, and Taxes in Retirement

Videos

It’s not easy to determine exactly what you’ll need to live on in retirement. That calculation is made even more difficult because there can be a few surprise expenses… and some penalties that can last a lifetime!In this video, Ryan Cravitz and Erin Kennedy are breaking down some of those hidden penalties, in order of […]

Which Withdrawal Strategy Is Right For Your Retirement?

Videos

Having a tax-efficient withdrawal strategy in retirement can save you thousands of dollars. A good strategy will minimize the total taxes paid over the course of your retirement, which will increase your wealth and the longevity of your portfolio. In this video, we break down two very different strategies: traditional and proportional. The traditional approach has […]

Can You Afford To Retire? Perhaps Yes Even If You Are Thinking No.

Videos

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 […]

Can I Afford To Retire?

Videos

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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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.