Richon Planning

Richon Planning Richon Planning, LLC. is an independent investment & financial services firm headquartered in Fuquay

Independent planning firm located in the Research triangle area and serving Raleigh, Cary, Apex, Holly Springs and Fuquay Varina. We offer insurance planning, protection, and savings as well as investment planning and guidance for individuals and business

10/09/2026

🤔 When might a Roth conversion NOT make sense?

Timing matters! Converting during your peak earning years could mean a higher tax bill, while using converted funds to pay taxes before age 59½ could trigger an additional 10% penalty.

💡 Roth conversions aren't just about if you should convert, but when it makes the most financial sense.

Watch the full video on Youtube (Link Below)


DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.



Music: Honey Morning
Musician: Malorie Young
⬇️⬇️⬇️⬇️⬇️

Having multiple retirement accounts is one thing. Getting them to work together is another. Your 401(k), Traditional IRA...
10/07/2026

Having multiple retirement accounts is one thing. Getting them to work together is another.

Your 401(k), Traditional IRA, Roth IRA, and taxable savings can each play a different role in retirement. And the order in which you save, invest, and eventually withdraw from those accounts can affect taxes, future growth, and how long your savings may last.

The goal? A coordinated strategy that looks at the bigger picture, including income needs, investments, taxes, risk tolerance, and long-term goals.

📞 Ready to see how the pieces of your retirement plan fit together? Call Richon Planning at 919-300-5886.



DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

10/06/2026

You retired. The paycheck stopped. But your Medicare premium might still be priced like you're working.

Your premium is set using an older tax return, not what you're bringing in today. So the year your income drops can be the year your premium doesn't.

Here's what a lot of new retirees never hear: when a major life change like retirement lowers your income, you can ask for your premium to be reviewed using your more recent numbers. If it's approved, what you pay could come down.

A little paperwork now could mean more money staying where it belongs, funding the life you actually retired to live.

Did anyone mention this to you when you retired?

Someday starts today.

Financial planning isn’t just about the numbers. It’s about understanding what matters most and building a strategy arou...
10/06/2026

Financial planning isn’t just about the numbers. It’s about understanding what matters most and building a strategy around it.

We appreciate kind words like these and the trust placed in our team to provide thoughtful guidance through both personal and financial decisions.

Call Richon Planning 919-300-5886 to have a conversation 📲

DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

10/02/2026

Retiring at 62 sounds like freedom. Then the insurance bill shows up.

The years before 65 are the most expensive years to buy your own coverage. For a married couple paying their own way, it can be one of the biggest bills in the budget.

That does not mean you have to work until 65. It means the gap has to be in the plan before you turn in your badge, not after.

Retire early or work for the coverage? There is no wrong answer. There is only an unplanned one.

Richon Planning can help you run the numbers before you decide.

"Someday" starts today.

10/02/2026

There can be a unique window for Roth conversions between retirement and RMD age. ⏳

With earned income potentially lower during these years, some retirees may have an opportunity to convert pre-tax retirement savings at a more favorable tax rate before required minimum distributions begin.

The key is determining how much to convert and when based on the bigger retirement and tax picture.

Learn more about when to do a roth conversion with the full video on Planning Matters Podcast 🎙️

📞 Richon Planning: 919-300-5886


DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.



Music: Coffee & Vinyl
Musician: Emi Izumi

Investor sentiment may say one thing, but investor behavior can tell a different story. 📊As attention turns toward the F...
09/30/2026

Investor sentiment may say one thing, but investor behavior can tell a different story. 📊

As attention turns toward the Fed’s next meeting, questions around interest rates, inflation, and the upcoming election are back in focus. But rate decisions don’t always show up in everyday finances immediately, and markets can move long before the full impact is felt.

That’s why it’s important to keep short-term headlines in perspective and stay focused on a financial strategy built to account for changing markets, interest rates, and economic conditions along the way.

📞 Richon Planning: 919-300-5886


DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

09/29/2026

This or that: convert to Roth now, or leave it alone and deal with required withdrawals later?

Honestly, it may not be a this or that at all. Taxes are pay me now or pay me later. They're coming due at some point either way.

A conversion could bump your Medicare premiums for a stretch. But if it helps you avoid bigger tax bills and premium hikes later in retirement, a year or two of planned conversions might be worth it.

The key is running the math before you make the move. What does the conversion cost you today, and what could it save you over the rest of retirement? That answer looks different for everyone.

Want to see what it looks like for you? Send us a message.

Someday starts today.

A strong financial plan starts with trust, clarity, and having someone in your corner. ⭐⭐⭐⭐⭐We’re grateful for feedback ...
09/29/2026

A strong financial plan starts with trust, clarity, and having someone in your corner. ⭐⭐⭐⭐⭐

We’re grateful for feedback like this and for every opportunity to help individuals and families feel more confident about their financial future.

Call Richon Planning 919-300-5886 to have a conversation 📲

DISCLAIMER:
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

This weekend, we had the opportunity to rappel 17 stories down One City Plaza in Raleigh as part of the Over The Edge fu...
09/28/2026

This weekend, we had the opportunity to rappel 17 stories down One City Plaza in Raleigh as part of the Over The Edge fundraiser supporting Special Olympics NC

We’re always grateful for opportunities to step outside our comfort zone, have a little fun, and support organizations making a difference in our community. Until next year! 🌇 ❤️ 🧗‍♂️

Address

600 Stellata Drive
Fuquay-Varina, NC
27526

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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