Beste Cravitz podcaster (2024)

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Financial Mailbag: Annuities, Mortgage Debt, and Spousal Roth IRAs 22:40

25d ago22:40

22:40

As we close out the year, we wanted to take the chance to answer a bunch of financial questions that we’ve received. It’ll give us the opportunity to cover a wide range of topics that will hopefully address an area of planning you’ve also been curious about. Before we get into these great questions, we’ll share a cautionary tale about a retiree who…

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Social Security Shakeup: What Changes Could Be Coming Down The Line? 21:35

2M ago21:35

21:35

Social Security is the backbone of retirement for millions of Americans, but big changes could be coming pretty soon. In fact, one Congressman asked the Congressional Budget Office to put together a report detailing the impact of changing the full retirement age from 67 to 69. This change, if implemented, would have huge implications for anyone pla…

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For Couples, Retirement Planning Is A Team Sport 20:21

3M ago20:21

20:21

Are you and your spouse on the same page when it comes to what you want in your retirement? If not, it’s time to talk. Retirement planning is a significant milestone that requires careful consideration and, more importantly, collaboration. Many couples don’t communicate enough when it comes to money, but preparing for retirement is best done with b…

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The Key Questions to Answer in Retirement Planning 22:35

4M ago22:35

22:35

You can never ask too many questions when you’re trying to understand your finances and prepare for retirement. It’s essential that you know what you’re invested in and what you’re working towards. In this video, Ryan Cravitz will tackle some of the most fundamental yet challenging questions about retirement planning. Here’s what we discuss in this…

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5 Things People Get Wrong About Social Security When Planning for Retirement 21:16

5M ago21:16

21:16

Social Security is a really important part of an overall retirement plan but there are five things people get wrong when planning for retirement. The things we’ll talk about in this video are misunderstandings we often hear from clients and other people. In fact, advisors don’t always get these things right. If you’re approaching retirement or alre…

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3 Reasons To Retire Now (Or As Soon As Possible) 23:00

5M ago23:00

23:00

Today we’re going to give you three compelling reasons why you should consider retiring now or as soon as possible. If you are unsure about your retirement readiness, this episode will help you evaluate your financial security, address potential burnout and health considerations, and ensure you have a purposeful plan for your retirement days. If an…

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5 Things You Need to Know About Required Minimum Distributions (RMDs) When Planning for Retirement 20:00

6M ago20:00

20:00

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…

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Why Delay Social Security Benefits? 13:58

6M ago13:58

13:58

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 c…

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How Much Can I Spend in Retirement? 23:46

6M ago23:46

23:46

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, de…

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How Much Do I Need to Retire? 28:22

6M ago28:22

28:22

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 …

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Beware of Retirement Half-Truths 22:10

6M ago22:10

22:10

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…

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Retiree Health Insurance: The Basics You Must Know 16:50

7M ago16:50

16:50

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…

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Don’t Make These Income Planning Mistakes 20:05

8M ago20:05

20:05

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 sho…

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Practical Strategies for Protecting Retirees Against Scams & Fraud 17:54

9M ago17:54

17:54

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 an…

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Financial Questions That We’ve Been Asked Recently 20:39

10M ago20:39

20:39

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 ha…

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What’s New with Social Security in 2024? 24:08

11M ago24:08

24:08

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 …

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Important Retirement Updates & Changes for 2024 23:27

12M ago23:27

23:27

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 wil…

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Let’s Answer Some Common Financial Questions 20:37

1y ago20:37

20:37

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…

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The Universal Truths of Retirement (PART 2) 23:03

1y ago23:03

23:03

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 fi…

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The Universal Truths in Retirement 17:08

1y ago17:08

17:08

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 founda…

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Is Investing in a Roth a Bad Idea? 19:31

1+ y ago19:31

19:31

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 …

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Spotting Problematic Personalities of Rogue Advisors 17:49

1+ y ago17:49

17:49

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 Chameleo…

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Counterintuitive Advice: Why You Should NOT Invest In A 401(k) 15:20

1+ y ago15:20

15:20

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-prov…

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9 Big Mistakes People Make When Approaching Retirement 17:56

1+ y ago17:56

17:56

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 o…

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Ep 15: Retirement Savings Basics: What’s The Purpose Of All My Accounts? 16:14

1+ y ago16:14

16:14

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 t…

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Ep 14: Retirement Expenses For Which You Forgot To Plan 18:10

1+ y ago18:10

18:10

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 expens…

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Ep 13: The Incomplete Financial Plan 13:49

2y ago13:49

13:49

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 …

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Ep 12: Top 10 Tax Questions for 2023 14:24

2y ago14:24

14:24

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 m…

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Ep 11: The Ins and Outs of Annuities: What You Need to Know to Plan for Retirement 15:06

2y ago15:06

15:06

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…

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Ep 10: Mailbag Edition – Answering Listener Questions About IRAs, Long Term Care, Tax Brackets & Much More 21:42

2y ago21:42

21:42

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 knowled…

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Ep 9: The 3 Worlds of Money 19:16

2y ago19:16

19:16

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 …

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Ep 8: Social Security, Annuities, and Life Insurance – Mailbag Edition 15:34

2y ago15:34

15:34

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…

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Ep 7: Are You Ready to Retire? 12:16

2y ago12:16

12:16

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 …

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Ep 6: Traditional vs Roth IRA 12:20

2y ago12:20

12:20

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 nee…

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Ep 5: The Financial Red Zone 15:02

2y ago15:02

15:02

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 s…

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Ep 4: Busting Social Security Myths 18:21

2y ago18:21

18:21

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 lear…

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Ep 3: Long-Term Benefits of Tax Planning 12:53

2y ago12:53

12:53

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 …

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Ep 2: The Importance of Income Planning 13:12

2y ago13:12

13:12

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 lea…

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Ep 1: Getting To Know Ryan Cravitz 14:34

2y ago14:34

14:34

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…

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