Candid Conversations: Retirement Talk with Ryan Cravitz

Candid Conversations: Retirement Talk with Ryan Cravitz

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.

Episodes

March 7, 2024 20 mins

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...

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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 discu...

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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:

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    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:

    • Is it okay to take a short-term loan to get funds for a closing while you wait for your current home to sell?
    • Is a 6% withdrawal rat...
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    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:

    • Divers...
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    October 5, 2023 17 mins

    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 addres...

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    September 7, 2023 19 mins

    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:

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    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&a...

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    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(...

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    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:

    • Starting Social Security as s...
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    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: 

    • What are the limits of Roths? (5:51)
    • Are annuities, ...
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    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: 

    • Would Ryan choose a personal chef or personal maid? (1:13)
    • Medical expenses will likely be the most costly expense and Medicare doesn’t cover it all.  (2:...
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    March 16, 2023 13 mins

    Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. 

    Here are some of the topics we’ll discuss in this show: 

    • The danger of a downturn in the market in...
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    March 2, 2023 14 mins
    In today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden.

    Here are some of the tax topics we’ll ...
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    For episode 11 of Candid Conversations: Retirement Talk with Ryan Cravitz, we’re tackling a topic that’s often a source of confusion for many people: annuities. There are different types of annuities, each with their own unique nuances, and it’s important to have a basic understanding of how they work and how they might fit into your financial plan. In this episode, we’ll break down each type of annuity and discuss how they can be ...

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    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 7...

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    January 19, 2023 19 mins

    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 finan...

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    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...

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    December 15, 2022 12 mins

    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...

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    December 1, 2022 12 mins

    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 cleare...

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