Ryan Cravitz, CFP^®

Hi, I’m Ryan Cravitz. I’m a CFP® professional and Retirement Income Certified Professional® helping people who are retired or getting close to retirement turn what they’ve saved into a clear plan for income, investments, Social Security, and taxes. After decades of saving, the questions often change. How much can you spend? Which accounts should you use first? When should you claim Social Security? How should your investments support the income you need? And how might taxes and Medicare premiums affect those decisions? My focus is helping bring those pieces together into a coordinated retirement plan. My work includes retirement income planning, tax-aware withdrawal planning, Social Security and pension decisions, investment management, and risk and survivor planning. I work mainly with individuals and couples who have at least $500,000 in investments and want an ongoing retirement planning and investment management relationship. The people I serve have generally done a good job building their savings and want an advisor to help coordinate the moving pieces over time. I believe good financial advice should be clear and understandable. Retirement planning involves important and sometimes complicated decisions, but that does not mean the advice needs to be filled with jargon. I want clients to understand how their plan works, why certain decisions are being made, and how the different parts of their financial life fit together. After a decade in the financial planning profession, I started Cravitz Financial & Insurance Solutions in 2011 to provide more personalized guidance. I meet with clients at my office in Orange County, California, and virtually with clients across the country. I’m a graduate of San Diego State University with a bachelor’s degree in political science. In addition to being a CFP® professional, I hold the Retirement Income Certified Professional® designation from The American College of Financial Services, which focuses specifically on retirement income planning. I also create retirement planning videos covering topics such as retirement income, Social Security, taxes, Roth conversions, investing, and the decisions that can affect retirees for years to come. Born and raised in Southern California, I now live in Newport Beach with my wife, Racheal, and our son, Cody. When I’m not helping clients plan for retirement, you can usually find me playing beach volleyball or spending time with my family.

Comprehensive Financial Planning, 401(k)/403(b)/IRAs, Annuities, Asset Allocation, Investment Management, Mutual Funds, Insurance, Life Planning, Retirement, Stocks & Bonds, Long-term Care, Sudden Wealth