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.

Play Button

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

Ep 10: Mailbag Edition – Answering Listener Questions About IRAs, Long Term Care, Tax Brackets & Much More

2/2/2023
For episode 10 of Candid Conversations: Retirement Talk with Ryan Cravitz, we’re peppering Ryan with, you guessed it, 10 listener questions about a wide range of financial planning and retirement topics. From IRAs to long term care, tax brackets, reverse mortgages and more, Ryan will share tips and guidance that will level up your financial knowledge in almost every corner of the retirement planning space. One listener is turning 72 and starting to worry about RMDs. Another is interested in...

Duration:00:21:42

Ep 9: The 3 Worlds of Money

1/19/2023
When you really boil it down, there are really only three places where you can invest money: the banking world, the insurance world, and the Wall Street world. Understanding how these three worlds of money are used is important, but so is knowing the pros can cons for each. Once you’ve done that, you’ll have a better grasp on how to structure your portfolio. Let’s talk about the role that each of those worlds plays in a good financial plan and how we help our clients balance each of...

Duration:00:19:16

Ep 8: Social Security, Annuities, and Life Insurance – Mailbag Edition

1/5/2023
On today’s show, we’re going to open up the mailbag and find out what questions you have for Ryan. Over the course of this episode, we’ll tackle annuities, life insurance policies, Social Security strategy, and whether it’s time to be more aggressive with your investments. If you’ve been curious about any of these financial planning topics, we hope this episode might provide a little more clarity and help you understand how we work through each of these items with our clients. Here’s...

Duration:00:15:34

Ep 7: Are You Ready to Retire?

12/15/2022
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? Today we’ll share some of the common discussions we have with clients when it comes to determining when you can step away from work and begin that next chapter of your life. Plus, we’ll share a few stories about how people know they’ve reached that...

Duration:00:12:16

Ep 6: Traditional vs Roth IRA

12/1/2022
Most Americans will utilize a retirement account during their working career to put money aside for retirement, and the most common option is the IRA. However, things can get a little trickier when deciding whether a traditional IRA or a Roth IRA is the better fit for your investments. On this episode, we’ll provide you with the information you need to understand the differences between these two types of accounts and get a clearer picture of who might benefit from one over the...

Duration:00:12:20

Ep 5: The Financial Red Zone

11/17/2022
Much like the game of football, retirement planning has a similar period of time where it’s essential for your long-term success. We call this the Financial Red Zone, and it’s the 5-10 years prior to retirement and the first years in retirement. Planning and execution become critical during this time and we’ll tell you why on this episode. Here’s some of what you’ll learn on the podcast: · What is the Financial Red Zone? (2:01) · How you should manage your risk during this time....

Duration:00:15:02

Ep 4: Busting Social Security Myths

11/3/2022
On this episode, we’re going to clear up some of the most common myths and misunderstandings surrounding this retirement program. From how to get the most out of your claim to taxes to whether it will eventually run out of money, Ryan will help you better understand Social Security and what goes into planning for it. Here’s some of what you’ll learn on the podcast: · The Social Security Administration won’t help you decide when it’s best to start your benefit. (3:18) · There are spousal...

Duration:00:18:21

Ep 3: Long-Term Benefits of Tax Planning

10/27/2022
Tax planning is another core piece of a comprehensive retirement plan so let’s focus in on this area. People often confuse this topic with tax filing, but when we say tax planning we’re talking about what we can do in order to increase our after-tax, spendable income. Making the right decisions with your investments today can help you keep more of your money down the road in retirement. Here’s some of what you’ll learn on the podcast: · The difference between tax filing and tax planning....

Duration:00:12:53

Ep 2: The Importance of Income Planning

10/20/2022
On this episode of the podcast, we’re going to discuss the importance of income planning and why so many people fail to put a proper one in place. Plus, we’ll tell you about the steps we take with clients to insure they have a plan for turning everything they’ve accumulated over their career into income in retirement. Here’s some of what you’ll learn on the podcast: · Why the income plan is critical to retirement. (2:51) · Why very few people have a true income plan when doing it on their...

Duration:00:13:12

Ep 1: Getting To Know Ryan Cravitz

10/10/2022
We’re kicking off the podcast with a little introduction to our show and host, Ryan Cravitz. Before we dive into the financial planning conversations we’ll have on future episodes, we wanted to lay the foundation for what’s to come on the show by giving you a little background on our business and how Cravitz Financial began. Here’s some of what you’ll learn on the podcast: · How Ryan stumbled into the financial planning industry during college. (1:39) · What financial planning looks like...

Duration:00:13:38