Candid Conversations: Retirement Talk with Ryan Cravitz-logo

Candid Conversations: Retirement Talk with Ryan Cravitz

Business & Economics Podcasts

Candid Conversations with Ryan Cravitz is a show specifically about retirement planning for people over 50. If you're wanting to invest better, maximize your income, reduce taxes, and learn how to successfully retire then this is the perfect show for you. Ryan has operated an independent financial planning firm since 2011 and is in his second decade of helping people grow and protect their wealth. Join him each episode for conversations about income, retirement, insurance, 401(k)s, IRAs, investments, and so much more. Visit him online at https://cravitzfinancial.com/ or by calling 714-462-9155.

Location:

United States

Description:

Candid Conversations with Ryan Cravitz is a show specifically about retirement planning for people over 50. If you're wanting to invest better, maximize your income, reduce taxes, and learn how to successfully retire then this is the perfect show for you. Ryan has operated an independent financial planning firm since 2011 and is in his second decade of helping people grow and protect their wealth. Join him each episode for conversations about income, retirement, insurance, 401(k)s, IRAs, investments, and so much more. Visit him online at https://cravitzfinancial.com/ or by calling 714-462-9155.

Language:

English


Episodes
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5 Things You Need to Know About Required Minimum Distributions (RMDs) When Planning for Retirement

7/18/2024
In this video, Ryan outlines five crucial things you need to know about RMDs, including when you need to take them, how to calculate them, and strategies to reduce them for tax efficiency. These five things will help give you a better understanding of RMDs and the role they play in building an income plan, which will also help you be more efficient in retirement. Here’s what we discuss in this episode: 0:00 – Intro 1:46 – When do you have to take your first RMD? 5:00 – Calculating RMDs 7:39 – Can RMDs be aggregated? 11:16 – Why reduce RMDs? 15:06 – Strategies to reduce your RMDs Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:20:00

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Why Delay Social Security Benefits?

7/11/2024
One of the biggest questions that we get about Social Security is when should I take my benefits? A lot of people want to claim them as soon as they can for multiple reasons, but would you be better off delaying your benefits up to age 70? Join us as we explore five compelling reasons why you might want to consider postponing your Social Security claims, from maximizing survivor benefits to enhancing long-term financial stability. Here’s what we discuss in this episode: 0:00 – Intro 1:25 – Survivor benefits 2:48 – Increase your monthly benefit 4:49 – Long-term stability 6:18 – Tax advantages 7:56 – Spousal benefits 10:05 – How far out should you plan? Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:13:58

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How Much Can I Spend in Retirement?

7/3/2024
As you approach retirement, one of the most pressing questions is how much you can withdraw from your savings without running out of money. The 4% rule, a popular guideline in retirement planning, suggests that you can withdraw 4% of your retirement portfolio in the first year and adjust that amount for inflation each subsequent year. This rule, developed by William Bengen in the 1990s, was designed to ensure that retirees wouldn't outlive their savings over a 30-year retirement. But how does this rule align with the actual spending patterns and lifestyle of retirees today? Here’s what we discuss in this episode: 0:00 – Intro 1:01 – Looking at the 4% rule 4:15 – Comparing 4%, 5%, and 6% withdrawal rates 8:42 – Stress testing each withdrawal strategy 13:47 – Incorporating annuities into your plan 20:43 – Conversation takeaways Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:23:46

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How Much Do I Need to Retire?

6/27/2024
The crucial conversation when it comes to retirement is all about how much you need to have saved. The traditional $1 million benchmark doesn’t have as much staying power as it used to. In fact, a recent study found that Americans believe they need at least $1.5 million to retire comfortably. We’ve found that most people believe they’ll need a lot more saved before they can retire or they feel like they need to work a lot longer than they actually do. So what’s the true answer? Well, it’s different for every individual but today we’ll look at the data and break down the numbers to help you get an idea of how much you’re going to need to retire. Here’s what we discuss in this episode: 0:00 – Intro 2:26 – Why people think they need more than they do 3:40 – Results from a study 5:15 – Average annual income 6:35 – Single withdrawal amounts 12:21 – Married withdrawal amounts 16:12 – How much saved for single people 22:15 – How much saved for married people Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:28:22

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Beware of Retirement Half-Truths

6/20/2024
We hear a lot of half-truths in the financial world, not necessarily because people try to make misleading statements, but because sometimes a simple statement just doesn’t quite tell the whole story. On this episode, we’ll discuss a few examples that seem straightforward but have nuances that can significantly impact your retirement strategy. Here are the half-truths we’ll explain in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:22:10

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Retiree Health Insurance: The Basics You Must Know

6/6/2024
While you dream about the leisurely days ahead of you in retirement, it’s also important to think about some of the less glamorous items, including insurance. In this new season of life, your old policies may no longer suit your needs or may come to an end. So, what types of coverage should you be considering for your golden years? What do you need to keep in mind as you prep for the transition? Here’s some of what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:16:50

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Don’t Make These Income Planning Mistakes

5/2/2024
Are you planning for your retirement with the confidence that you're making all the right moves? With so many moving pieces in retirement, it takes detailed planning to cover all your bases, but it begins with building an income plan. 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 foolproof against common pitfalls and ready to secure your financial future. Here’s what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:20:05

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Practical Strategies for Protecting Retirees Against Scams & Fraud

4/10/2024
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. Here’s some of what we discuss in this episode: Resources for this episode: How this 77-year-old widow lost $661,000 in a common tech scam: ‘I realized I had been defrauded of everything’ - https://www.cnbc.com/2023/10/08/how-one-retired-woman-lost-her-life-savings-in-a-common-elder-fraud-scheme.html Fraudsters targeting senior citizens with multiple financial scams – https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/senior-citizens-financial-scams/ Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:17:54

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Financial Questions That We’ve Been Asked Recently

3/7/2024
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. Each of these topics cover common financial scenarios that you have probably dealt with already or might come across in the future. We’ll explain our process for answering them, some of the things you’ll want to consider, and how to determine your best path forward. Here’s some of what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:20:39

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What’s New with Social Security in 2024?

2/1/2024
Whether you're nearing retirement, already retired, or just planning ahead, it's crucial to stay informed about Social Security and any changes that happen each year. Today we’re going to share some key things that you need to know and bring you up to speed on some updates that need to be aware of. Ryan will also tell you how this might impact you and the planning you’ll do this year. Here’s some of what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:24:08

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Important Retirement Updates & Changes for 2024

1/11/2024
It’s not always easy to keep up with rule changes and updates when they happen each year, but we like to stay on top of anything that might impact your retirement planning. In today’s episode, we will bring you up to date on what’s new for 2024. From tax brackets to Social Security to 529 plans, we’ll cover some key planning items that everyone will want to know about. Here’s some of what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:23:27

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Let’s Answer Some Common Financial Questions

12/14/2023
As we close in on the end of the year, we want to finish up by answering questions that people have asked us recently. We’ll cover key financial planning topics like retirement withdrawal rates, investing in CDs, advisor fees, Social Security and more. Here’s some of what we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:20:37

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The Universal Truths of Retirement (PART 2)

11/9/2023
Today we’re going to finish up our two-part conversation that will juxtapose the individuality of retirement plans with the foundational principles that remain constant regardless of who you are. These 10 total truths need to be accounted for when you build a plan for retirement, and we’ll talk about how and why they could have an impact on your financial future. Here are the retirement truths we discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:23:03

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The Universal Truths in Retirement

10/5/2023
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? We’ll explore the realities that all of us will face in this episode so join us as we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. Everyone might address each of these truths in their own way, but no one should ignore what the things we talk about today. This list of 10 truths will be broken up into two parts so make sure you stay tuned for the next episode. Here’s are the truths Ryan will break down: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:17:08

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Is Investing in a Roth a Bad Idea?

9/7/2023
We came across an article recently that would get anyone’s attention when they’re trying to save for retirement. The headline said this person lost $400k in a Roth 401(k) and warned others about the risk as well. While this headline could very easily be characterized as clickbait, we wanted to explore it a little further and see how much truth was in these numbers. Here's some of what we’ll discuss in this episode: Read the article here: https://finance.yahoo.com/news/lost-400k-retirement-savings-roth-174006044.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAIkWwMYSM-fB6t_MX8lExd4gm_ZfdGmNKd-SR1Li8ShRy48dw1PsMw5s01MCGixWIonmjy5Lcp5sNbJ2uQscXkEZtO2c3IOdRhKNuiepnd10XTXtHK1jh2mJwdhTwY42rtygybXhWczN7Bt86GnV3U378E4KLteJIZp0XmwYoUSk Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:19:31

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Spotting Problematic Personalities of Rogue Advisors

8/3/2023
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. We’ll find out in today’s episode as we explore how to identify “The Ghost”, “The Jargon Juggler”, “The Chameleon”, and several more. And what should you do if you encounter them? Here's some of what we’ll discuss in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:17:49

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

7/6/2023
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). Here's some of what we’ll discuss in this episode: (2:45)(5:17)(8:28) (10:02)(13:04)Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:15:20

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9 Big Mistakes People Make When Approaching Retirement

6/1/2023
In this episode, we've distilled it down to what we believe are nine big mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. So, join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement. Here are some of the things you’ll learn in this episode: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:17:56

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Ep 15: Retirement Savings Basics: What’s The Purpose Of All My Accounts?

5/4/2023
Not all retirement accounts are created equal. It's crucial to understand the purpose and advantages of each type of account to make the best choice for your future. In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and several other examples. Here are some of the topics we’ll discuss in this show: Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:16:14

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Ep 14: Retirement Expenses For Which You Forgot To Plan

4/6/2023
Are you preparing for retirement but feeling confident that you have covered all the expenses? Well, think again… It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable. Here are some of the topics we’ll discuss in this show: (1:13)(2:47)(4:53)(7:30) (12:22)(14:14) Get more educational videos on YouTube: https://bit.ly/4b80CuY CONNECT: If you have any questions, you can contact us online here: https://cravitzfinancial.com/ Email: ryan@cravitzfinancial.com Call: 714-462-9155 Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM) a Registered Investment Advisor. Cravitz Financial & Insurance Solutions are independent of each other. 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. Ryan Cravitz and Cravitz Financial & Insurance Solutions are not affiliated with or endorsed by the Social Security administration or any other government agency.

Duration:00:18:10