Welcome to Milestone Wealth!

Hello! My name is Ryan Cravitz. Please just call me Ryan. If you get angry with me and want to yell at me, you can do like my parents used to and say my middle name too. Ryan James!

I’ve been working in the financial planning industry for 17 year now. Over that period of time I have developed a passion for helping people that are transitioning into retirement live comfortably and free from financial worry.

Over the years I have seen the good, the bad, and the ugly. I have seen the common mistakes and the not so common ones. There are so many soon to be retirees that need help making smart and informed decisions on matters that could very well affect their retirement and financial security.

I have experienced this, almost first hand, with my parents when it comes to putting all the pieces in order to create a successful retirement. Fortunately, I think I hooked them up with a half-way decent financial advisor guy that has been able to help them!

But, there are so many questions, right?

  • When should I take Social Security?
  • What’s the best way to generate income from your investments?
  • What should I know about Medicare?

Of course, this is just a short list. But this brings me to why I do what I do.

My mission is to simplify things and help you make good, smart, and informed decisions on matters that will affect your retirement. My goal is to help you achieve and maintain the lifestyle you would like and to know that your retirement is secured!

“Simplified, I like that. What does that mean?”

Oh…don’t get me started. You know how a lot of financial advisors like to use big fancy jargon probably just to make themselves sound smart. Yes, I’ll bet you do!

You’re not going to hear me say words like Sharpe Ratio, Treynor Ratio, Standard Deviation, Alpha, or Beta. What?? Did I just say Alpha Beta? Wasn’t that a super market?

Well, yes Alpha Beta actually was a super market.

I’m here to help translate and turn financial jargon into English. Look, I forget who said this, but I believe…

If you can’t explain it simply it means you don’t know it well enough!

My Story

When I began my career in the financial planning industry I simply knew I had a knack for numbers. Math had always come pretty easy to me. I had an interest in helping people plan and save for their future.

Looking back I was just 23 years old. Yes, you can do the math. I started at a Junior College and transferred over to San Diego State. So yes… I was on the six and half year plan.

Come on people, nobody graduates from San Diego State in four years!

You might be surprised to hear this, but the fact is I can’t honestly say I had a true passion for the financial planning industry at that time.

In the early years of my career I worked for a couple smaller companies and a couple large companies. Along the way I gained a lot of experience. I learned a great deal.

Over time I have developed a real passion for helping soon to be retirees secure their retirement.

I remember when the stock market tanked both between 2000-2002 and then again in the so-called Great Recession of 2008. I heard story after story from people who were planning to retire soon. They were forced to delay retirement or retire with far less than their expectations.

I recall the NINJA loans. Remember those? No Income, No Job, No Assets. – NO Problem, right?!? Oh yes, it was problem. It was a huge problem for many. I’ve seen houses lost, dreams destroyed, and plans for retirement ruined.

I’ve seen people that have missed out on thousands of dollars because they didn’t coordinate Social Security benefits with their spouse the right way. Unfortunately, it was too late when they found out they had not moved in a better direction.

I saw people that outlived their retirement savings due to unexpected and unplanned medical expenses that required them to change their lifestyle drastically.

I’ve seen the pain, the worry, the fear.

Why did I start Milestone Wealth in 2011?

That’s simple. Two reasons.

First, is because of all these experiences in the early years of my career. I wanted to make a real difference.

Second, I learned that securing one’s financial future had nothing to do with learning any mysterious tricks or hot tips. Instead, the greatest obstacle to securing anyone’s financial future is actually following the traditional way of doing things.

Instead, I wanted to be 100% independent.

That means I don’t answer to some out-of-touch VP from corporate pressuring me to meet sales quotas. That is too often how it works at the big name companies. That’s the traditional way of doing things.

In this scenario, advisors are often pushed to force their clients into the stocks and mutual funds that are best for the corporation, not necessarily best for the client’s financial future.

I have been able to leverage what I believe is the best of what’s out there, and have developed a strategic partnership with Brookstone Capital Management out of Chicago. This allows me the freedom to serve my clients’ best interests while also enjoying the vast resources of one of the most trusted names in finance.

To learn what it would be like to work with me click here. You can also choose to learn a little more about me by reading on. I mean, the fact is that if you are a Celtic fan, we may not mesh well. Just saying.

The Personal Stuff

I was born and raised in Southern California. I grew up in L.A. County and went to high school in Walnut. Go Mustangs! I then moved on to San Diego County to attend San Diego State and completed my Bachelor’s degree there. I loved San Diego so much that I didn’t end up moving until about 11 years ago. That was when I moved to Orange County.

I met Racheal, the wonderful woman that ended up becoming my beautiful Wife in the Summer of 2013. We were married in May of 2016 and we are living in Newport Beach, CA. No kids yet, but the plan is for us to have them sooner rather than later! No dogs yet either, but I think that’s coming soon. I grew up with dogs and love dogs, but Racheal really loves dogs…so it’s coming.

My family – Racheal, mom, dad, sister, brother in law, my two awesome nephews and me.

Favorite activities – I love being active and I exercise about 5 times week. I like to mix it up. I’ll do a variety of different things such as going to the gym, swimming, hiking, or doing some crazy workout I just find randomly on Youtube! My favorite sport to play is beach volleyball. I have been playing for over 20 years and today you can usually find me playing least a couple times a week. Most often I play at Corona Del Mar.

Favorite TV Shows – Breaking Bad, Seinfeld, Modern Family, Two and Half Men, The Office, America’s Got Talent

Favorite Movies – Shawshank Redemption, Scent of a Woman, Office Space, Gladiator

Favorite Sport Team – Lakers and in the last few years the Broncos (Wife is from Denver and I didn’t have a football team – not a bad bandwagon to jump on!)

Favorite Food – Mexican and Thai

Favorite Quotes –

And in the end it’s not the years in your life that count. It’s the life in your years.” – Abraham Lincoln

Whether you think you can or think you can’t, you’re right.” – Henry Ford

It’s what you learn after you know it all that counts.” – John Wooden

To learn what it would be like to work with me Click Here