Ryan Cravitz, Author at Milestone Wealth Management - Ryan Cravitz

All posts by Ryan Cravitz

Will Social Security be there for me when I retire

Will Social Security Be Around When I Retire?

If I had a nickel for every time I was asked this question… well, let’s just say I’d have a lot of nickels. But I don’t blame people for asking. It’s a good question. If you watch or read any news at all, then you’ve gotten mixed reports over the years. A dozen stories will […]

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Can and should you take money out of your retirement plan to pay for your child's college education?

Should You Take Money Out Of Your Retirement Plan To Pay For Your Child’s College Education?

Look, I get it.  Your son or daughter is getting ready to go to college.  You realize you haven’t saved enough and you want to consider every possible solution to help your child be to afford a solid college education. Perhaps you have been saving in a 529 plan or perhaps just a taxable brokerage […]

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average vs real rate of return

What is the difference between the Average Rate of Return and the Actual Rate of Return – And Why Should I Care?

I spoke to a lady the other day and for the sake of anonymity, we’ll name her Sarah.  Sarah went to a workshop seminar that was given by a fairly popular figure in the financial world. And I must say, I don’t always agree with his advice. In fact, oftentimes, some of things he says and […]

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Pros and Cons of reverse mortgage

The Pros and Cons of Using a Reverse Mortgage in Retirement

A reverse mortgage can be an important financial tool for seniors concerned that they may not have enough money available to them for retirement. With a reverse mortgage, older homeowners are able to convert part of the equity in their homes into cash, yet still maintain ownership of property. These funds can then be used […]

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Getting life insurance with problems

Getting Life Insurance With Pre-Existing Conditions

You might be surprised at how often people tell themselves ‘No’ when it comes to life insurance. In many cases, they have already made up their minds that they can’t get life insurance before they meet with me. Some people express worry because they believe they won’t be able to pay their end-of-life bills. Others […]

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How to Hedge Your Retirement Against the Costs of Healthcare

How to Hedge Your Retirement Against the Costs of Healthcare

According to a report published by SkilledNursingFacilities.org, the median cost of a semi-private room in one of California’s nursing homes is $7,450 a month. That’s almost $90,000 a year! – enough to drain the retirement savings of most Americans. It happens. It happens far too often, in fact, and it often results in state Medicaid authorities seizing […]

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Life Insurance Boosts Pension

How the Right Life Insurance Policy Essentially Boosts Your Pension

No, buying a life insurance policy isn’t going to increase your pension benefit checks. But there is a legit strategy for using life insurance as a way to get the most of your pension. Let me share a recent experience with you… Meet Darren and Leigh Darren came to me the other day for advice […]

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Make the most of RMD's from IRA's

What If You Don't Need Your RMD's? Creative Ways to Make the Most of RMDs

You know, 2016 is going to be one of those years many of us will remember for a very long time. We’ve watched the stock market reach record heights, felt our jaws drop when the Brits voted for Brexit, saw Michael Phelps cement his Olympics legacy and the Chicago Cubs break the longest championship drought […]

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