Ep 12: Top 10 Tax Questions for 2023

Candid Conversations: Retirement Talk with Ryan Cravitz

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المحتوى المقدم من Ryan Cravitz. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Ryan Cravitz أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/techsurge-deep-tech-vc-podcast">TechSurge: Deep Tech VC Podcast</a></span>

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TechSurge: Deep Tech VC Podcast

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منذ 13 يومًامنذ 13d ago

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The TechSurge: Deep Tech VC Podcast explores the frontiers of emerging tech, venture capital, and business. For entrepreneurs, investors, tech professionals, or anyone interested in where technology is headed next. Presented by Celesta Capital, and hosted by Founding Partners Nic Brathwaite, Michael Marks, and Sriram Viswanathan. Email feedback and show ideas to techsurge@celesta.vc. Join us as we examine the next major tech cycle, uncover emerging global tech hubs, and analyze where VC investment dollars are headed. Tune in to hear directly from Silicon Valley leaders, daring new founders, and visionary thinkers. Past guests on the podcast and TechSurge Live summits include Kara Swisher, Vinod Khosla, former PepsiCo CEO Indra Nooyi, Micron CEO Sanjay Mehrotra, and others. Each discussion delves into the intersection of technology advancement, market dynamics, and the founder journey, offering insights into the vast opportunities and complex challenges ahead. Episode topics include AI, data center transformation, blockchain, cyber security, healthcare innovation, VC investment trends, tips for first-time founders, and more. New episodes release every two weeks. Visit techsurgepodcast.com for more details and to sign up for our newsletter and other content!

منذ عامين 14:24

MP3•منزل الحلقة

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 discuss in this show:

What are the tax implications of withdrawing money from your retirement accounts? (1:30)
How will the SECURE Act 2.0 impact your retirement income and taxes? (4:04)
How will your taxes change if you decide to move to another state in retirement? (8:15)
If you want to give money to your children or grandchildren, what are the tax considerations? Can you still contribute to an IRA in retirement and still get a tax deduction? (12:41)

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.

39 حلقات

#Trading #Business News #Business #News #Ryan Cravitz #Retirement #Finance #Financial #Cravitz #California #Advisors #IRA #401k #Money

Ep 12: Top 10 Tax Questions for 2023

Candid Conversations: Retirement Talk with Ryan Cravitz

published منذ عامين

MP3•منزل الحلقة

What are the tax implications of withdrawing money from your retirement accounts? (1:30)
How will the SECURE Act 2.0 impact your retirement income and taxes? (4:04)
How will your taxes change if you decide to move to another state in retirement? (8:15)
If you want to give money to your children or grandchildren, what are the tax considerations? Can you still contribute to an IRA in retirement and still get a tax deduction? (12:41)

39 حلقات

#Trading #Business News #Business #News #Ryan Cravitz #Retirement #Finance #Financial #Cravitz #California #Advisors #IRA #401k #Money

كل الحلقات

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

منذ عام واحد22:40

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 fell victim to an investment scam, losing nearly three-quarters of a million dollars. Here’s what we discuss in this episode: 0:00 – Intro 0:36 – Retirement scam story 7:30 – Annuity withdrawal 11:07 – Paying off a mortgage 13:54 – Spousal Roth IRA 17:02 – Mortgage tax deduction 18:13 – Income planning 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.…

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

منذ عام واحد21:35

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 planning their retirement. Ryan will break down some of the key takeaways and discuss the implications if the government moves forward with this idea. Read the full report here: https://www.cbo.gov/publication/60516 Here’s what we discuss in this episode: 0:00 – Intro 1:19 – Full retirement age 3:04 – Key takeaways from the report 9:13 – How should you view Social Security changes at different ages? 13:28 – Final thoughts on Social Security 14:17 – Mailbag 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.…

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

منذ عام واحد20:21

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 both parties understand the goals and how they’ll get there. That’s what we want to highlight in this video so we’ll break down the importance of being a team when it comes to your financial future. Here’s what we discuss in this episode: 0:00 – Intro 1:28 – Mailbag 3:54 – Couples with uncertainty 9:50 - How we help couples get on the same page for retirement 12:00 – Do both spouses need to be involved financially? 14:22 – Why couples benefit from an advisor 16:51 – Closing thoughts 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.…

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The Key Questions to Answer in Retirement Planning 22:35

منذ عام واحد22:35

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 episode: 0:00 – Intro 1:16 – How much you need when you retire 4:46 – How much in savings? 7:22 – How much risk 11:06 – Annuities 13:26 – Are you tax-efficient 17:28 – When to take Social Security 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.…

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

منذ عام واحد21:16

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 already in retirement, you’ll want to make sure you get clarity on these five things before you make any Social Security decisions. Here’s what we discuss in this episode: 0:00 – Intro 1:57 – Long-term solvency of Social Security 6:17 – Spousal benefits 8:51 – Maximizing survivor benefits 12:04 – Confusing taxes with the earnings test 14:51 – Taxes you’ll owe 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.…

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

منذ عام واحد23:00

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 any of these reasons resonate with you, it’s worth having a conversation with a financial professional to see if you’re ready to retire. You might be closer to retirement than you think. Here’s what we discuss in this episode: 0:00 – Intro 1:38 – Financial security 8:41 – Burnout or health considerations 13:26 – What will you do Monday morning? 20:10 – Final thoughts 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.…

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

منذ عام واحد20:00

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 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.…

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Why Delay Social Security Benefits? 13:58

منذ عام واحد13:58

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 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.…

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How Much Can I Spend in Retirement? 23:46

منذ عام واحد23:46

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, 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.…

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How Much Do I Need to Retire? 28:22

منذ عام واحد28:22

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 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.…

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Beware of Retirement Half-Truths 22:10

منذ عام واحد22:10

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 are the half-truths we’ll explain in this episode: Don’t worry about those losses because the market always goes up in the long run. Diversification is the key in retirement planning. You should withdraw 4% annually from your retirement savings. Saving just enough to match your employer’s 401(k) contribution is sufficient. You don’t need a retirement plan if you plan to work throughout retirement. 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.…

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

منذ عام واحد16:50

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 to keep in mind as you prep for the transition? Here’s some of what we discuss in this episode: The surprise many people get when they see how much health insurance costs if you pay on your own. Why might your health insurance change when you retire? What you need to know about the Medicare enrollment process. The different parts and deciding which you need. You might need supplemental coverage because Medicare doesn’t cover everything. 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.…

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Don’t Make These Income Planning Mistakes 20:05

منذ عام واحد20:05

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 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: Don’t plan to be retired for years. Instead, plan to be retired for decades. Why starting Social Security too early before you understand your options could cost you. As you build your income plan, one expense that is easy to overlook is healthcare costs. Why you need to factor inflation into your plan because your budget won’t be the same in 20 years. Creating lifetime income streams other than Social Security. Is now a time to consider moving money into an annuity? 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.…

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

منذ عام واحد17:54

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 and identity theft. Here’s some of what we discuss in this episode: Marjorie Blum’s scamming story + the threat of scams for Americans over 60 Phishing, vishing, and smishing techniques that are used today Some red flags to look out for when it comes to scams Protections you can put in place to protect your finances, like strong passwords and two-factor authentication 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.…

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

منذ عام واحد20:39

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 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: What options do you have to provide financial support for your new grandchild and what are the tax implications? How do you overcome the lack of decision-making because you’re overthinking everything? What should you do if you realize you’ll have more money than you’ll ever spend and you haven’t been spending much in retirement? How should you take your final paycheck before retirement if you have a lot of paid time off accrued? 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.…

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