Pre-Retiree
Before you retire, know what your savings can realistically support and how your income, taxes, and healthcare costs fit together.
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My Approach
I help individuals and couples approaching retirement or recently retired make confident decisions about when to retire, how much they can spend, how to invest, and how Social Security, taxes, insurance, and retirement income fit together.
The Clients I Serve
Retirees or Seniors
Retirement isn’t just about making your money last. It’s about creating a plan that lets you spend confidently while managing taxes and risk along the way.
Major Milestones I Specialize In
Early Retirement or Financial Independence
Retiring early takes more than reaching a savings target. Make sure your spending, healthcare, taxes, and investment strategy can support the years ahead.
End of Life and Legacy Planning
Make sure the people you care about know your wishes and that your estate plan, beneficiaries, and financial accounts are coordinated to carry them out.
Retirement Planning
Retirement planning is about more than reaching a savings goal. Make sure your income, spending, taxes, investments, and Social Security all work together.
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
I start by getting a clear understanding of where you are today, what you want retirement to look like, and the decisions that are most important to you. From there, I help you evaluate the big pieces together, including retirement income, investments, Social Security, taxes, insurance, and estate planning. My objective is to make the process understandable and practical. I want clients to know why a recommendation is being made, what tradeoffs are involved, and what the next steps are. For clients who want ongoing help, I continue to monitor the plan and make adjustments as life, markets, and tax rules change.
Disclosures
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Cravitz Financial & Insurance Solutions are independent of each other. CA Insurance Lic #0C86000
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.