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Tag Archives for " retirement planning "

The Universal Truths in Retirement

Retirement is a unique journey for each of us. The thought that there’s a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree?

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Spotting Problematic Personalities of Rogue Advisors

Finding a trustworthy and competent financial advisor is essential for securing your financial future. After all, they play a vital role in helping you make informed decisions about your money, investments, and long-term financial goals.

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

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 […]

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Counterintuitive Advice: Why You Should NOT Invest In A 401k) 

Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it’s important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect some reasons why someone should NOT invest in a 401(k).

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What Should I Do With My Old 401(k)?

41% of people, from 2014-2016, cashed out at least part of their 401(k) when leaving a job, and 85% of those people drained the balance entirely! And since most people will change jobs several times before retiring, @RyanCravitz with @CravitzFinancial and @erinkennedy are breaking down the best (and worst!) options when it comes to your […]

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3 Retirement Risks That Could Cause You To Run Out Of Money

For most retirees, their biggest fear is running out of money. You want your retirement to be a fitting reward to a lifetime of hard work. But it’s hard to know exactly how much money you’ll need to achieve your unique retirement goals, without sacrificing your quality of life. In this video, we break down […]

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Are You Ready to Retire?

The question that gets asked most often when someone sits down with a financial advisor is ‘Am I ready to retire?’ We all want to reach the point where we’re financially independent but have you taken the necessary steps to reach that point?

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Can You Make a Deductible IRA Contribution For 2022?

Can You Make a Deductible IRA Contribution For 2022?  It depends on several things including whether you or your spouse have earned income, whether you’ve contributed to a Roth IRA, and whether you or your spouse have access to a company sponsored retirement plan. If you do have access to a company sponsored retirement plan like […]

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How Much Can You Contribute To a Traditional IRA For 2022?

How much can you contribute to a Traditional IRA for 2022?  It depends on your age, whether you have already contributed to a Roth IRA, and whether you or your spouse have earned income or not.  It’s also important to note that just because you can contribute to a Traditional IRA that does no necessarily mean […]

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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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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.

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